IT development agency Finance & Insurance

Digitalisation in finance and insurance is now essential if we are to meet customer expectations and remain competitive. It brings major benefits:

• Improving the customer experience Thanks to mobile applications, online platforms and chatbots, customers can access their services 24 hours a day and enjoy a fluid, personalised experience.
  
  
• Operational efficiency Automated processes (contracts, payments, claims management) that reduce lead times, minimise errors and cut costs.
  
  
• Analysis and use of data Big data and artificial intelligence enable us to better understand customer behaviour, fine-tune our offers and anticipate risks.
  
  
• Compliance and safety Digitalisation enhances regulatory monitoring, the traceability of operations and the protection of sensitive data.
  
  
• Innovation and competitiveness Digitalised financial institutions and insurance companies are launching new products and services more quickly, tailored to market needs.
  
  

In short, digitisation is transforming the financial and insurance sector into a "one-stop shop". a more agile, secure and customer-focused ecosystem.

Make an appointment with our experts to discuss the digital transformation of your financial services.

The banks and financial institutions are facing a number of major challenges in their digital transformation:

• Security and cybersecurity The protection of sensitive data and the fight against fraud are absolute priorities in the face of increasingly sophisticated cyber threats.
  
  
• Regulatory compliance New regulations: institutions must constantly adapt to new regulations (RGPD, European directives, local standards) while guaranteeing the transparency of operations.
  
  
• Omnichannel customer experience Customers expect seamless continuity between physical branches, mobile applications and online platforms.
  
  
• Modernisation of existing systems Many institutions still rely on old IT infrastructures that are difficult to integrate with new technologies.
  
  
• Exploiting data and AI : transform the mass of data collected into strategic levers remains a key challenge for improving customisation, risk management and operational efficiency.
  
  
• Increased competition from fintechs Innovative financial start-ups are forcing traditional players to rethink their models and accelerate their digitalisation.
  
  

In short, banks must innovate rapidly while remaining reliable, secure and compliant, to continue to earn the trust of our customers.

La digitalisation of the insurance sector is profoundly changing the way companies interact with their customers and manage their business. This is reflected in :

• A better customer experience online underwriting, contract management and claims tracking via mobile applications or digital portals.
  
  
• Process automation These include reduced claims processing times, automatic claims management and optimisation of internal workflows.
  
  
• Use of artificial intelligence and big data These include predictive risk analysis, fraud detection and customised offers based on policyholder profiles.
  
  
• Greater accessibility and transparency The new system gives policyholders immediate access to their data and enables them to track the progress of their claims in real time.
  
  
• Innovation and new services These include on-demand insurance, dynamic pricing, personalised products and integration with connected objects (IoT).
  
  

In short, digitalisation is enabling insurers to be more agile, closer to their customers and more competitive, while reducing their operating costs.

Schedule an appointment with our experts to explore digital solutions tailored to your needs.

The FinTech/InsurTech field is evolving rapidly, driven by technological innovations, changing customer expectations and an evolving regulatory framework. Here are some of the major trends to watch out for:

• Advanced AI and automation Artificial intelligence is profoundly transforming processes such as underwriting, risk assessment, claims handling and the personalisation of offers. Platforms rely on predictive models, natural language processing (NLP) or autonomous agents (“agentic AI”) to improve efficiency and accuracy. The Fintech Times+1
  
  
• Embedded insurance Integration of insurance products directly into non-insurance services or platforms (e.g. e-commerce, mobility). This makes the offer more fluid and contextualised for users. The Fintech Times+1
  
  
• Parametric products & use of external data To respond to climatic or emergency risks, these products trigger payments automatically according to predefined triggers such as weather conditions. Increasing use of external and alternative data to better model risks. EMARKETER+2IMARC Group+2
  
  
• Focus on the omnichannel customer experience Customers demand simple, fast interactions via mobile, web or application. Chatbots, customer portals, instant notifications, enhanced UX. The Fintech Times+1
  
  
• InsurTech market growth in Europe, regulatory scope & partnerships The European InsurTech market is experiencing strong growth, underpinned by increased investment in AI, blockchain and digital transformation technologies. Regulations such as the Data Protection Directive (GDPR) and the AI Act are encouraging innovation while imposing high standards. EMARKETER+3IMARC Group+3KMS Technologie+3
  
  

Supporting innovation through open finance/open data Secure opening of financial data, better interoperability between services, and collaborative ecosystems between FinTech, InsurTech, banks and insurers. This will encourage the emergence of new models for financial and insurance services. Wikipedia+1

Iterates supports banks, insurance companies and financial institutions in their digital transformation through the development of made-to-measure solutions adapted to their business needs. Our achievements include

• Secure web and mobile applications These include account management, policy monitoring, claims reporting tools and financial simulators that can be accessed from anywhere.
  
  
• Financial and insurance CRM centralising customer data, automating reminders and tracking sales opportunities.
  
  
• Compliance and reporting tools solutions to meet regulatory obligations (RGPD, audit, traceability of operations).
  
  
• Customer portals and extranets Digital spaces: intuitive digital spaces to offer transparency, autonomy and better communication with customers and partners.
  
  
• Solutions based on AI and big data These include predictive risk analysis, fraud detection, dynamic pricing and personalised offers.
  
  
• Automation of internal processes (RPA) optimised management of contracts, payments and declarations, reducing lead times and costs.

These solutions are helping to make financial institutions more efficient, more agile and closer to their customers, while guaranteeing safety and compliance.

A tailor-made banking or insurance applications offers a number of advantages over standard solutions:

• Personalised user experience The application is designed around your customers and your services, with an interface tailored to their needs (account consultation, contract management, claims tracking, financial simulators, etc.).
  
  
• Enhanced security security: integration of advanced security protocols (biometric authentication, dual authentication, encryption) to protect sensitive data.
  
  
• Agility and scalability New features added at the pace of your innovations, without having to rely on the limitations of generic software.
  
  
• Integration with your internal systems : seamless connection with your existing tools (CRM, ERP, risk management, regulatory reporting).
  
  
• Competitive advantage differentiation in the market with unique, innovative digital services that are aligned with your strategy.
  
  
• Customer loyalty By offering simple, fast and reliable digital pathways, you can increase user satisfaction and retention.
  
  

In short, a tailor-made application becomes a a strategic lever for growth and competitiveness for financial and insurance players.

Schedule an appointment to design your customised banking or insurance application with our team.