Magnus Carlsson, head of automation at the Swedish insurance company Trygg-Hansa, admits that he thought it was “pretty strange” when his bank began to accept million-kroner mortgage applications via a cell phone app. But that was before his own workplace began to use the same type of intelligent automation.
In 2013, Trygg-Hansa introduced its first ‘robot’, a computer programme known as CAI (Cabas Artificial Intelligence) who, as the name suggests, was endowed with a degree of man-made intelligence.
CAI went straight to work reviewing and processing motor damage estimates submitted by a variety of vehicle repair shops. Working on Trygg-Hansa’s existing digital platform, CAI could determine which estimates were immediately acceptable and automatically give the go-ahead to commence repairs. More complicated cases were diverted to a claims assessor for further review – an assessor precisely the right qualifications in terms of skills, available time and convenient geographical location.
Three years later, CAI got a ‘colleague’ named MAI (Meps Artificial Intelligence) who could do the same type of work in the area of building damage.
Speaking the same language
The intelligent automation solution described above was developed by Scalepoint and adapted for use at Trygg-Hansa. It was integrated into Trygg-Hansa’s existing software, and the two new ‘robots’ speak the same language as their end-users.
This means there is no need for an in-house IT staff to spend weeks or months developing new projects whenever Trygg-Hansa wants to change anything in its insurance portfolio. Trygg-Hansa’s advanced, cloud-based solution is hosted by Scalepoint, and Scalepoint can therefore quickly configure any necessary software changes.
An easily managed end-user interface then allows Trygg-Hansa’s own insurance specialists to fine-tune the changes using ordinary insurance terminology.
Consistent and flexible
An important aspect of intelligent automation is consistency. Human employees need to keep a myriad of requirements, prerequisites, conditions and special situations in mind when reviewing an estimate – or any other aspect of an insurance claim.
These parameters are the ‘rules’ that determine how CAI and MAI must react to a given piece of information. And while human employees have an empathy for their customers that the machines of course lack, the machines will never forget a rule, once it has been fed into the system. Every relevant rule is quickly and consistently applied. And if the rules need to be refined or changed, it can also be accomplished without time-consuming IT projects.