Robert Leginus

Problem

API limitations prevented end-to-end digital policy issuance because mandatory health questionnaires had to be completed in the legacy core system.

Solution

Introduced a BPM-based orchestration layer that transferred calculation data into the legacy system, enabling users to complete the questionnaire and finalize the contract without manual re-entry.

Impact

Enabled seamless end-to-end processing from quotation to policy issuance, eliminated duplicate work, improved user experience, and maintained compliance with existing insurance processes.

Problem

External broker integration into health insurance systems was overly complex due to rigid standards, excessive data requirements, and manual processing.

Solution

Implemented an intelligent BPM-based onboarding workflow combining automated validation, dynamic decisioning, and minimal-data integration.

Impact

Accelerated broker onboarding, strengthened security and compliance, improved user experience, and created a flexible, future-proof digital integration platform.

Problem

Bank guarantee processing was highly manual, paper-driven, and dependent on disconnected communication channels, limiting efficiency and traceability.

Solution

Implemented a BPM-based digital process integrated with OCR, document generation, core banking, and enterprise task management systems to automate the end-to-end guarantee lifecycle.

Impact

Automated around 80% of standard domestic guarantee transactions, improved operational KPIs and process traceability, reduced manual workload, and enabled a scalable digital guarantees platform.