Insurance

Insurance is transforming at speed. We help firms keep pace — modernizing what's holding them back and building what comes next.

Insurance

Built for the complex

From space and aviation to railway and defense, we've earned our reputation delivering quality in the world's most demanding environments. In insurance, that translates to technology trusted by regulators, reliable for your operations, and built around the needs of your customers and agents.

Many insurers face the same tensions: fragmented legacy systems, rising customer expectations, tighter regulation, and growing pressure on margins. The firms pulling ahead aren't just adopting new technology — they're rethinking how they operate. We help them do exactly that.

Our solutions

Insurance redefined

We don't just deliver technology. We co-create value — combining deep insurance expertise with the capability to execute on complex, business-critical transformation.

01
Claims & Fraud Prevention

Streamline claims intake, processing, and settlement with intelligent automation and AI-powered fraud detection to minimise losses and reputational risk. Reduce cycle times, improve accuracy and give customers faster, fairer resolutions and clear status updates.

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02
Digital Insurance

AI-powered portals and omnichannel journeys that reduce churn and raise the bar on customer experience.

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03
Regulatory Compliance & Data Security

Automated compliance reporting and robust data protection, aligned with Solvency II, GDPR, and beyond.

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04
Embedded & Usage-Based Insurance

API-driven integrations for embedded insurance, IoT-based usage policies, and real-time coverage adjustments.

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05
Legacy Systems

Deep technical expertise and proven approaches to tackle legacy system challenges and ensuring maintainability, modernisation and seamless integration with evolving architectures.<br>

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06
Underwriting & Risk Assessment

Faster decisions through AI-driven analytics, automated risk scoring, and dynamic pricing.

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07
Policy Administration & Operations

Modernize core policy systems for greater agility, efficiency, and long-term value.

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Some of our clients and partners

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Resources

Industry insights

Explore our latest thinking on financial services transformation, from legacy modernisation to AI-driven innovation.

Solution Brief

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Engineering Insurance for the Extreme

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White Papers

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Data Virtualisation in Financial Services

White Paper
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Finance
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Data Consolidation in Financial Services

White Paper
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Finance
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Modernization Reimagined with AI

Guidebook
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Finance

Case Studies

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Legacy Code Explainer

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APS - Segurnet

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Agile Maturity in Financial Services

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Digital Transformation with AI

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Finance
OUR ACCELERATORS

The accelerators to tackle your most complex challenges

Pre-built, deployable solutions that tackle specific financial services and insurance challenges from day one — from digital currency readiness to legacy modernisation and customer retention.

Accelerator
Digital Euro in a Box

A spec-conformant accelerator for PSPs and banks integrating the digital euro. Built on the ECB pilot specification (Appendix 2.F), with a working DESP sandbox, BDD conformance harness and D1-mapped resilience posture — for pilot participants and production-track institutions alike.

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Accelerator
Legacy Code Explainer

Our AI-powered tool that speaks fluent Cobol and Assembler and other legacy languages. It accelerates understanding, overcoming resource needs and supporting modernisation efforts with insightful information.

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Accelerator
Customer Retention Intelligence

AI-driven, churn prevention solution that predicts risk, deploys targeted mitigation actions, and continuously monitors effectiveness.

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OUR CAPABILITIES

The capabilities to tackle your most complex challenges

From cloud architecture to engineering delivery, our capabilities are built for the complexity of financial services and insurance, designed to deliver from day one.

Legacy Systems

Deep expertise in modernizing legacy systems and ensuring maintainability.

Data Engineering

Expertise in scalable data architectures, pipelines, and governance models.

AI & Machine Learning

AI and machine learning capabilities for automation and predictive insights.

Cloud & DevOps

Cloud and DevOps capabilities for scalable and resilient delivery.

Software Development

Robust engineering expertise to build scalable, secure, and high-performance applications.

Digital & Product Strategy

Expertise in shaping product vision, defining roadmaps, and leveraging market insights.

Systems Architecture

Deep expertise in solution design to create reliable, scalable, and maintainable systems.

Cyber Security

Protect systems and data while ensuring compliance and resilience.

Insightful Business Extractor

An AI-powered tool that turns information into compliant business insights.

Natural Language Data Exploration

Enables business users to access and analyze enterprise data using natural language, without technical skills.

Application Understanding Accelerator

AI agents to learn and infer business logic from web applications, even with no source code or documentation.

End-to-End Modernization at Scale with AI

AI-driven engine that executes end-to-end system modernization with human validation.

Banking Lending accelerator for SMEs

A smart eligibility and limit‑assessment capability that enhances conversion while reducing operational costs.

Smart Document Validation

Smart document validation using AI and custom models for structured and unstructured documents.

Get in touch

Let's build your next insurance solution together

Our team supports insurers from strategy to delivery, helping you modernize, innovate, and stay ahead in a shifting market.

Luís Monteiro
Luís Monteiro

Business Development Director

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Miklos Matsuka

Business Development Manager

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Paulo Ferro

Principal Engineer

News

Latest from Insurance

Insights, news, and perspectives from our insurance team.

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BlogInsurance

When Disaster Strikes: Digital Insurance That Helps, Fast

Making the right decisions on digital deployment today will help insurers better deal with the difficult, intense rush of claims — and fraud attempts — that inevitably follow an emergency.

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BlogInsurance

Insuring the Future: The Risks of Delaying Claims Automation

Delaying claims automation increases costs, inefficiencies, and customer dissatisfaction. Learn why insurers must act now.

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NewsFinancial services

Critical Software Joins TechQuartier to Accelerate Innovation in FinTech

Critical Software joins TechQuartier to strengthen collaboration and innovation within Europe’s fintech and startup ecosystem.

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NewsFinancial services

Critical Software and cognitivo AG Join Forces to Shape the Future of Financial Infrastructure in Europe

Critical Software and Cognitivo AG join forces to shape the future of financial infrastructure in Europe with secure, scalable digital solutions.

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BlogFinancial services

A Surgical Approach to Financial Services System Modernisation

Explore a targeted, low-risk approach to modernising financial systems while maintaining stability and regulatory compliance.

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BlogFinancial services

Legacy Systems: The Cost of Doing Nothing

Outdated legacy systems can increase costs, risks, and inefficiencies. Learn why modernisation is critical for financial services.

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NewsFinancial services

Three Ways to Achieve Sustainable Software Development

Discover three approaches to building sustainable software, improving efficiency, reducing waste, and supporting long-term innovation.

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4 Ways to Keep Your APIs Safe

Learn four key strategies to secure your APIs, protect sensitive data, and strengthen cybersecurity in financial systems.

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How to Select a Bad Partner for Finance Software Development

Selecting the wrong software partner can impact delivery, compliance, and costs in financial services. Learn how to make the right choice.

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BlogFinancial services

The Hidden Costs of Software Development in Finance

Uncover the hidden costs of software in finance, from maintenance and compliance to security and system complexity.