Decision Intelligence Software for Insurance
Insurance is a data business. Pricing, underwriting, claims and compliance all depend on the same data being consistent, governed and available when a decision needs to be made. Most insurers are not there yet. Stratio gets them there without replacing a single core system.
Claims fraud and policy intelligence at a regulated European insurer
A European insurer with millions of policies across multiple markets, working with Stratio to reduce claims fraud and automate contract intelligence.
20%
improvement in early fraudulent claims detection
97%
accuracy on contract and policy queries
The data problem behind every stalled insurance AI programme
Actuarial models that take weeks to reach the underwriting platform. Claims fraud patterns that are only visible after the loss has been paid. Regulatory reports that require a quarterly scramble across five systems. Behind all of it is the same problem: data that exists but carries different definitions across every system, with governance applied after the fact rather than built in.
The gap is not the AI. It is the data foundation. Without consistent business meaning across policy, claims and risk systems, without governance that operates continuously, AI outputs cannot be explained to the regulator or the board. Stratio closes that gap, connecting to your existing core systems without replacing them, enforcing governance from source to output, and delivering AI that works at scale and carries a full audit trail. Designed and built in Europe.
What Stratio makes possible for insurers
01
Underwriting and pricing models that depend on manually reconciled data take weeks to move from validation to production. Stratio gives every model a single governed view of your policy, claims and risk data, so what works in the actuarial environment works the same way in the underwriting platform. Risk and fraud models run on near-real-time unified data, without a data transformation project in between.
02
Regulatory reporting in insurance is not an annual exercise. It is a continuous obligation that compounds with every new requirement. The insurers that adapt fastest are the ones whose reporting processes run on governed, automated data. Stratio turns Solvency II, IFRS 17 and EIOPA obligations into automated workflows with end-to-end lineage from source to submission.
03
Most insurance AI deployments stall when the regulator asks for explainability and the answer is a black box. Stratio builds auditability into the architecture: every model output is explainable, every decision is logged, and the audit trail runs from source data to final output. Designed and built in Europe, so GDPR, Solvency II and EU AI Act compliance is structural rather than a contractual workaround.
HOW IT WORKS
How Stratio works in a regulated insurer
Stratio connects to your existing core systems without moving data or disrupting live operations. Nothing is replaced. Most insurers have their first governed AI process running within weeks.
Native connectors for core insurance platforms including Guidewire, Duck Creek and SAP FS-CD, actuarial tools, reinsurance systems and cloud data warehouses. Zero data movement. Data residency stays within your perimeter.
Stratio establishes consistent definitions of what a policy means, what a claim covers and what an exposure represents across every system. One shared understanding across every platform, model and regulatory report.
Access controls, data quality gates and end-to-end lineage run at runtime. When a regulatory requirement changes, the update propagates across every process that depends on it. Compliance posture is always current.
Automated processes handle underwriting scoring, claims fraud alerts and compliance checks within the limits set by your actuarial and risk teams. Every output is logged and explainable.
Underwriting, pricing and fraud models built on Stratio carry governance by design. Every model output is explainable, every prediction is traceable to its input data, and the full audit trail is available at any point. Models that pass internal actuarial review pass regulatory scrutiny for the same reason.
Where Stratio makes the difference in insurance
Automated regulatory lifecycle with explainable AI, lineage and built-in data quality.
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60→14
Person-days per single regulatory report
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−80%
Effort per regulatory report
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<3 mo
Time to first measurable results
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−20%/ +20%
Tech cost vs. transactional volume (5y)
Answers to common questions about Stratio, decision intelligence and enterprise deployment.
Ready to put AI at the heart of your underwriting, claims and compliance?
Request a demonstration with your own use case. We work with insurers and regulated financial institutions across Europe and LATAM.
