シンガポールの多国籍生命保険会社：API・AI主導の未来に向けたマイクロサービスベースのコア構築
お客様の概要
会社： 大手多国籍生命保険会社
商品ライン： すべての主要な生命保険商品
所在地： シンガポール
事業内容： 同保険会社は、バンカシュアランス、アドバイザー、富裕層チャネルを通じて、個人および法人顧客にサービスを提供する大手生命・健康保険会社です。
課題
シンガポールでの大規模な買収を経て、同社は戦略的なアーキテクチャ上の選択に直面しました。すなわち、従来型のモノリシック・コアのアプローチを続けるか、複数コア環境を統合しつつ新規ビジネスを可能にし、システム・オブ・レコードを段階的に置き換えていく、モダンなマイクロサービスベースのアーキテクチャを確立するか、です。
同社は、顧客や販売パートナーに支障をきたすことなく既存のシステムとプロセスを統合すると同時に、商品イノベーション、請求および契約サービス、エコシステム販売、そして将来のAI主導の体験を加速する基盤を構築する必要がありました。
「これは、当社のオペレーティングモデルを根本から変える、大規模で数年に及ぶ取り組みでした」と彼は述べています。「今日、私たちは、より迅速なイノベーション、シームレスなデジタルおよびデータ統合、そして顧客・販売パートナー・従業員のジャーニー全体での一貫性を実現する、未来に対応したテクノロジースタックを手にしています。」
Chief Executive Officer
The MNC Life Insurer in Singapore
insureMO を選んだ理由
This insurer selected insureMO to establish a fundamentally different core architecture: microservices-based, API-first and designed around reusable insurance capabilities rather than a tightly coupled monolith. Atomic APIs provide the foundation for composing higher-level Business APIs, allowing them to expose core functions as reusable digital assets for products, channels, partners, applications and future AI agents.
The architecture is built around three foundation pillars — API, Data and AI — giving them the flexibility to modernize today while creating an extensible platform for future innovation.
Microservices-based core architecture as an alternative to a traditional monolithic core
Atomic APIs as foundational building blocks for reusable Business APIs and core insurance functions
API, Data and AI as three integrated foundation pillars for transformation
Consolidation of a multi-core environment onto one platform, enabling new business while progressively replacing systems of record
Open integration with legacy systems, third parties, distribution channels and front-office applications
APIs as sales and distribution enablement assets for ecosystem and multi-channel customer experiences
AI-ready APIs that can be consumed by agents, coding assistants and future customer- and partner-facing AI applications
The result is more than a core replacement: it is a composable technology foundation designed to let this insurer innovate at the speed of the market, reuse capabilities across channels and ecosystems, and progressively move toward an AI-led operating model.
成果
The new architecture is translating technology modernization into direct business outcomes — accelerating change, improving operational turnaround times and creating reusable API assets for future distribution and AI innovation.
Faster product and campaign delivery
c.20% reduction in technology-related product development time and cost
c.20% expected increase in the speed of launching campaigns
Material operational improvement across key journeys
14% reduction in Life Claims Turnaround Time
50% reduction in payment Turnaround Time
c.20% reduction in Policy Servicing Turnaround Time
API-enabled sales, distribution and servicing
They can use reusable Atomic and Business APIs to power ecosystem distribution, front-office applications and multi-channel customer servicing, reducing dependence on point-to-point integration and tightly coupled core releases.
Future-ready foundation for innovation
Modular, microservices-based architecture
Enhanced controls and reusable digital capabilities
Automated processes across core journeys
AI and automation readiness
c.15% of e2e Underwriting cases will be STP.
Automated CDD processing for plans without cash value submitted
By making core insurance capabilities available through reusable APIs, this insurer has a platform that can support faster innovation today and an AI-led ecosystem tomorrow. Atomic APIs can be composed into Business APIs, consumed by digital channels and partners, and made available to AI agents and AI-coded applications — creating a durable innovation asset beyond the core itself.
