Digital Operating Model Redesign for a Pan-African Insurance Group
Redesigning the end-to-end operating model of a 12-country insurance group — reducing time-to-market for new products by 70% and claims cycle time by 55%.
The Challenge
The client's growth through acquisition had produced a balkanised operating model: 12 country operations running entirely separate core systems, product catalogues, and claims processes. Launching a new insurance product required 11 months of configuration work across all jurisdictions. Claims processing averaged 23 days — a figure driving customer attrition in markets where insurtech competitors promised instant settlement.
A planned regional regulatory harmonisation initiative created a hard deadline: the new operating model needed to be in place before the regulatory framework change, or the client would face compliance re-certification across all 12 markets simultaneously.
The Strategic Solution
Core Platform Consolidation
Designed and managed migration of 12 country core systems onto a single cloud-native insurance platform with jurisdictional configuration layers, eliminating the need for independent system deployments per market.
Straight-Through Processing Engine
Implemented an AI-powered claims triage engine that automatically adjudicates 68% of claims without human intervention, based on policy terms, loss patterns, and fraud probability scores — reducing average claims cycle time from 23 days to 10.
Unified Digital Distribution Layer
Built a unified API layer enabling products to be distributed through mobile apps, bancassurance partners, and agency networks from a single configuration environment — reducing product launch time from 11 months to 3.
Measurable Outcomes
Reduction in time-to-market for new insurance products across all 12 markets.
Reduction in average claims processing time from 23 days to 10.
Of claims processed straight-through without human intervention.
The scale of what Agradiant delivered — across 12 markets, three regulatory regimes, and 4,000 staff — while meeting a regulatory deadline that everyone said was impossible, was extraordinary. They didn't just redesign our operating model; they rebuilt our ambition.
Emmanuel AdeyemiGroup CEO, Pan-African Insurance GroupInterested in a similar engagement?
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