Identity Intelligence for Digital Insurance
Digital policy origination and claims processing demand meticulous policyholder identity verification to neutralize identity theft, forgery, and insurance fraud schemes without slowing down purchase speed.
Solutions from Marple S.r.l. enable insurance carriers and Insurtech platforms to perform deterministic, background analysis at quoting and payout stages, validating customer authenticity and eliminating onboarding friction.
Through instant real-time verification during underwriting, our platform assists risk managers and fraud teams in safeguarding insurance portfolios while ensuring compliance with regulatory frameworks and Anti-Money Laundering (AML) standards.
Targeted Defense for Insurance Ecosystems
Preventing Identity Theft in Policy Underwriting
Issuing insurance coverage based on stolen personal data or synthetic identities exposes carriers to premium default and legal disputes. Marple verifies deterministic alignment between applicant and access channel in real time, preventing fraudulent policy issuance.
Securing Digital Claims & Payout Workflows
Digital insurance claim submissions are vulnerable to Account Takeover and impersonation attempts designed to divert settlements. Marple checks confirm claimant legitimacy prior to claim processing or fund disbursement, protecting carrier capital.
Frictionless Instant Quoting
Requiring cumbersome document checks before delivering a quote causes high drop-off rates. Marple technology conducts invisible pre-screening during form entry, enabling fast, secure, and high-converting quoting journeys for customers.
Full Regulatory & AML Compliance
Rigorous Customer Due Diligence (CDD) mandates demand transparent, auditable checks. Marple analytics provide a complete audit trail that supports Compliance departments during regulatory audits and protects against non-compliance penalties.
Scalable REST API Architecture for Digital Distribution
Marple solutions connect effortlessly to insurance e-commerce portals, Policy Administration Systems (PAS), and brokerage apps via high-performance RESTful APIs.
Delivering average latencies under 850 milliseconds, our infrastructure handles thousands of concurrent requests, maintaining seamless operations during peak seasonal buying cycles or marketing pushes.
All data processing strictly complies with European privacy frameworks (EU GDPR Regulation 2016/679), ensuring privacy-by-design without unnecessary long-term data storage.
Advantages for the Insurtech Sector
Loss Ratio Optimization
Filter out high-risk applications at origination and intercept fraudulent claim attempts, driving down overall portfolio loss ratios.
Conversion Rate Acceleration
Complete more policy purchases by delivering a smooth, rapid checkout journey free of unnecessary manual hurdles.
Back Office Operational Efficiency
Automate initial applicant validation and drastically reduce overhead associated with manual document review on flagged files.
Proactive fraud prevention, real-time risk assessment, and transparent API integration equip insurance carriers with a competitive advantage.
Schedule a Proof of Concept (POC) in your sandbox environment to evaluate fraud reduction and sales growth directly on your traffic.
Secure policy origination and zero claims fraud
Discover how Marple technology protects carriers and digital brokers while maximizing sales conversion rates.