Risk management and technical performance
ScalAttrib is used by insurers to:
- Understand the true causes of risk (beyond correlations)
- Optimize pricing and actuarial models
- Anticipate cost drifts (claims, inflation, climate)
- Strengthen explainability of regulatory and business decisions
Typical cases:
- Multi-factor pricing (auto, health, home)
- Climate and natural catastrophe risk analysis
- Insurance portfolio allocation and management
- Long-term profitability optimization
Fraud, compliance and claims management
ScalFraud is used by insurers to:
- Detect complex and emerging fraud
- Reduce false positives and prioritize critical alerts
- Understand the causal mechanisms of fraudulent behavior
- Optimize investigation and claims management processes
Typical cases:
- Claims fraud detection (auto, health, home)
- Fraudulent network analysis
- Prioritization of cases to investigate
- Optimization of processing time and costs
Decision, simulation and strategic steering
ScalTwin is used by insurers to:
- Simulate the real impact of decisions before deployment
- Test different strategies in complex environments
- Understand interactions between business, risk, and market variables
- Secure strategic arbitrage decisions
Typical cases:
- Simulation of pricing strategies
- Impact of prevention programs
- Macro scenarios (inflation, climate, regulation)
- Strategic portfolio steering
Scoring, performance and automated decision-making
ScalScore is used by insurers to:
- Improve scoring and risk assessment decision quality
- Identify truly explanatory variables of insured behavior
- Reduce bias and strengthen model robustness
- Automate decisions while remaining explainable
Typical cases:
- Insurance risk scoring
- Customer segmentation and offer personalization
- Churn prediction and reduction
- Optimization of acceptance and underwriting decisions
