Comprehensive Insurance Fintech Platform
Presented by DATA DSS LIMITED for Republic Insurance Company Limited PLC
A complete digital ecosystem for insurance operations, from mobile customer engagement to backend administration and AI-powered automation. Designed to streamline policy sales, claims management, and customer experience.
Mobile-First User Experience
Onboarding Journey (3 Steps)
  1. Quick Registration
  • Mobile number entry
  • OTP verification (60-second window)
  • Instant account creation without NID requirement
  • Reduces friction and enables immediate access
  1. Profile Completion
  • Optional personal details during signup
  • Full NID verification during first purchase
  • Biometric enrollment (Face ID/Touch ID)
  • Profile picture and contact information
  1. Security Activation
  • Face ID or Touch ID setup
  • PIN backup authentication
  • Device fingerprinting for fraud prevention
  • Secure session management
Security Features
  • Biometric Authentication: Face ID and Touch ID for one-tap secure login
  • Encrypted Storage: End-to-end encryption for all sensitive data
  • AI Fraud Detection: Real-time monitoring of suspicious activities
  • Secure Key Management: Enterprise-grade encryption protocols
Data Processing
  • AI-Powered OCR: Extracts NID data with 99% accuracy
  • Intelligent Field Validation: Auto-detects and corrects data entry errors
  • Face Match Verification: Compares uploaded photo with NID document
  • Manual Override: Users can edit auto-filled information
Dashboard & Navigation - Step by Step
Welcome Screen
  • Animated greeting with user name
  • "Do you want to buy a policy?" prompt
  • Get Started button
Main Dashboard
  • Product cards (Motor, Personal Accident, OMP, Nibedita)
  • Quick action buttons (Buy, Renew, Claim, Track, Pay, Download)
  • Notification badges
Bottom Navigation
  • Home | Policies | Claims | Payments | Profile
  • Always accessible from any screen
Smart Notifications
  • Renewal reminders (1 month, 1 week, 1 day before)
  • Payment confirmations
  • Claim status updates
  • Policy announcements
Intuitive Dashboard & Navigation
Dashboard Components (Step-by-Step)
01
Home Screen Layout
  • Header: User greeting with profile quick access
  • Featured Products: Motor, Personal Accident, OMP, Nibedita policies
  • Quick Action Bar: Buy, Renew, Claim, Track, Pay, Download buttons
  • Promotional Banner: Current offers and seasonal campaigns
02
Product Discovery
  • Categorized product cards with icons
  • Clear benefit summaries for each policy type
  • Premium price indicators
  • Coverage period information
  • "Learn More" and "Buy Now" CTAs
03
Quick Actions
  • One-tap access to core functions
  • Buy: Browse and purchase new policies
  • Renew: Quick renewal of expiring policies
  • Claim: File new insurance claims
  • Track: Monitor claim status in real-time
  • Pay: Make premium payments
  • Download: Access policy documents
04
Smart Notifications
  • Centralized notification center with badge counts
  • Policy renewal reminders (30, 7, 1 day before expiry)
  • Claim status updates (submitted, approved, settled)
  • Payment confirmations and receipts
  • Promotional offers and updates
  • Notification preferences and scheduling
05
Bottom Navigation
  • Persistent 5-tab navigation bar
  • Home: Dashboard and quick access
  • Policies: View all active and inactive policies
  • Claims: Manage all claims and history
  • Payments: Payment methods and history
  • Profile: Account settings and preferences
Navigation Features
  • Gesture-based navigation (swipe, tap, long-press)
  • Search functionality across all sections
  • Favorites and bookmarks for quick access
  • Dark mode and accessibility options
Smart Product Catalog & Quotation
Dynamic Premium Calculation
Real-time quotes adjust instantly as users select products and enter vehicle or personal details.
AI-Based Risk Assessment
Machine learning models analyze user data to provide personalized premium rates and coverage recommendations.
Product Comparison Tools
Side-by-side feature comparison helps users make informed decisions about their insurance needs.
01
Product Browsing (Step 1)
  • Browse by Category: Motor, Health, Personal Accident, Property
  • Filter by Coverage Type: Basic, Standard, Premium
  • Sort by Price: Low to High, High to Low
  • View Detailed Specifications: Coverage limits, deductibles, exclusions
  • Compare Multiple Products: Side-by-side feature matrix
02
Premium Calculation (Step 2)
  • Enter Basic Information: Age, location, vehicle type
  • Real-Time Quote Generation: Premium updates as you enter data
  • AI Risk Assessment: Machine learning analyzes your profile
  • Personalized Recommendations: Suggested coverage based on risk profile
  • Multiple Quote Scenarios: Compare different coverage levels
03
AI-Based Risk Assessment (Step 3)
  • Data Analysis: Evaluates age, location, vehicle history, claims history
  • Risk Scoring: Generates risk profile (Low, Medium, High)
  • Premium Adjustment: Applies risk-based pricing
  • Coverage Recommendations: Suggests appropriate coverage levels
  • Fraud Detection: Identifies suspicious patterns in application
04
Product Comparison (Step 4)
  • Feature Comparison: Side-by-side coverage details
  • Price Comparison: Premium costs across different plans
  • Benefit Analysis: What's included vs excluded
  • Customer Reviews: Ratings and feedback from other users
  • Coverage Calculator: Estimate potential claim payouts
05
Decision Support (Step 5)
  • Coverage Advisor: Chatbot helps select appropriate coverage
  • FAQ Section: Common questions about each product
  • Document Preview: View full policy terms before purchase
  • Expert Consultation: Option to speak with insurance advisor
  • Secure Checkout: Proceed to purchase with confidence
Product Quotation Process - Step by Step
Browse Products
  • View categorized insurance products
  • Read benefit summaries
  • Compare coverage options
Select Product
  • Choose Motor, Personal Accident, OMP, or Nibedita
  • View product details and FAQs
  • Understand coverage limits
Calculate Premium
  • Enter vehicle/personal details
  • AI-based risk assessment
  • Real-time premium calculation
  • View discount eligibility
Review & Compare
  • Preview policy terms & conditions
  • Check coverage details
  • Review exclusions
  • Compare with other products
Three-Step Policy Purchase Flow
Customer Identification
Document Upload
  • Open camera interface
  • Capture NID front side
  • Capture NID back side
  • Automatic image quality check
  • Retry if image is blurry or incomplete
AI Data Extraction
  • OCR technology reads NID fields
  • Extracts: Name, ID number, DOB, address, issue/expiry dates
  • Automatic field validation
  • Highlights any unreadable fields
  • 99% accuracy rate
Manual Verification
  • Review auto-filled information
  • Edit any incorrect fields
  • Confirm extracted data
  • Proceed to next step
Face Verification
  • Capture selfie photo
  • AI compares face with NID photo
  • Liveness detection prevents fraud
  • Confirmation message on match
  • Retry if face doesn't match
Product Information Entry
Product Selection
  • Choose insurance type (Motor, Health, etc.)
  • Select coverage level (Basic, Standard, Premium)
  • Confirm product details
Vehicle/Property Details (for Motor)
  • Vehicle Type: Car, Motorcycle, Truck, etc.
  • Registration Number: Auto-lookup vehicle details
  • Engine Number: Manual entry with validation
  • Chassis Number: Manual entry with validation
  • Manufacturing Year: Dropdown selection
  • Current Market Value: Estimated or manual entry
Usage & History
  • Annual Mileage: Estimated usage
  • Primary Usage: Personal, Commercial, Taxi
  • Parking Location: Home, Office, Street
  • Previous Claims: Number and details
  • Driving License: Upload and verify
Vehicle Assessment
  • Vehicle Photo: Capture exterior condition
  • AI Damage Detection: Identifies existing damage
  • Condition Report: Generated automatically
  • Manual Notes: Add any additional information
Secure Payment
Payment Method Selection
  • Digital Wallets: bKash, Nagad, Rocket
  • Card Payment: Credit/Debit cards via SSLCommerz
  • Bank Transfer: Direct EFT or online banking
  • Wallet Balance: Use stored balance if available
  • Installment Options: Pay in 3, 6, or 12 months
Amount Confirmation
  • Display Premium Amount: Total cost breakdown
  • Taxes & Fees: Show all additional charges
  • Discount Applied: Display any promotional discounts
  • Final Amount: Confirm total payable
Payment Processing
  • Redirect to payment gateway
  • Enter payment credentials
  • OTP verification (if required)
  • Real-time processing status
  • Timeout handling with retry option
Confirmation & Delivery
  • Payment Success Message
  • Policy Number Generation
  • Digital Certificate Download
  • Email Confirmation with policy details
  • SMS notification with policy summary
  • Option to share policy via WhatsApp/Email
Policy Purchase - Detailed Steps
Customer Identification
  • Upload NID document (camera or gallery)
  • AI-powered OCR extracts data automatically
  • System validates all fields
  • User can manually edit if needed
  • Face match verification (AI compares photo with NID)
  • Confirmation of identity
Product Information Entry
For Motor Insurance:
  • Vehicle type selection (Private/Commercial/Motorcycle)
  • Registration number input
  • Engine & chassis number capture
  • Year of manufacture
  • License details
  • Vehicle photo capture for AI assessment
For Other Insurance:
  • Product-specific form fields
  • AI-guided form completion
  • Document upload support
Secure Payment
  • Select payment method (bKash, Nagad, Rocket, Card, Bank Transfer)
  • Enter payment details
  • Real-time payment processing
  • Confirmation receipt
  • Failed payment retry option
Comprehensive Policy Management
Active Policies Management
  • Policy List View: All active policies with status badges
  • Policy Details: Coverage amount, premium, expiry date
  • Status Indicators: Active, Expiring Soon, Expired, Pending
  • Quick Actions: Renew, Claim, Pay, Download
  • Digital Certificate: QR code for instant verification
  • Certificate Sharing: Share via email, SMS, WhatsApp, or print
Policy Details Breakdown
  • Coverage Summary: What's included in the policy
  • Premium Details: Amount, payment frequency, due date
  • Policy Period: Start date and expiry date
  • Insured Items: Vehicle/property details
  • Beneficiaries: Listed beneficiaries and contact info
  • Endorsements: Any modifications to original policy
Smart Renewal System
  • Automated Reminders: 30 days, 7 days, 1 day before expiry
  • One-Click Renewal: Auto-fills previous policy details
  • Premium Recalculation: Updated rates based on current data
  • Coverage Options: Modify coverage if needed
  • Instant Processing: Renewed policy issued immediately
  • Grace Period: Coverage continues during renewal process
Document Storage & Organization
  • Digital Locker: Secure cloud storage for all documents
  • Document Types: Certificates, schedules, endorsements, receipts
  • Auto-Organization: Documents categorized by policy
  • Search & Filter: Find documents by date, type, or keyword
  • Tagging System: Add custom tags for easy retrieval
  • Download Options: PDF, image, or email delivery
Policy Modification
  • Endorsement Requests: Request coverage changes
  • Beneficiary Updates: Add or modify beneficiaries
  • Address Changes: Update contact information
  • Coverage Adjustments: Increase or decrease coverage
  • Premium Adjustments: Recalculate based on changes
  • Approval Workflow: Admin review and confirmation
Policy History & Analytics
  • Claims History: All past claims with outcomes
  • Payment History: Complete transaction record
  • Coverage Timeline: Visual history of policy changes
  • Renewal History: Previous renewal dates and amounts
  • Premium Trends: Historical premium changes
  • Export Reports: Download policy history as PDF
Policy Management Features - Complete Overview
ACTIVE POLICIES
  • View all active policies in one place
  • Policy status indicators (Active, Expiring Soon, Expired)
  • Quick access to policy details
  • Digital certificate with scannable QR code
  • Download, print, or share options
  • Policy summary with coverage details
SMART RENEWALS
  • Automated reminder system:
  • 1 month before expiry
  • 1 week before expiry
  • 1 day before expiry
  • One-click renewal button
  • Auto-fill previous policy data
  • Instant premium recalculation
  • Seamless continuation without gaps
DOCUMENT STORAGE
  • Secure digital locker for all documents
  • Policy certificates
  • Payment receipts
  • Policy schedules
  • Endorsement documents
  • Smart categorization and tagging
  • Easy search and retrieval
Intelligent Claims Management
Step 1: Claim Submission Process
1a: Initiate Claim
  • Select policy to claim against
  • Choose claim type (Accident, Theft, Damage, etc.)
  • Incident date and time entry
  • Location of incident
1b: Incident Details
  • Detailed description of what happened
  • Parties involved (if applicable)
  • Police report number (if filed)
  • Witness information
  • Third-party contact details
1c: Document Upload
  • Photo/video of damage
  • Police report (if available)
  • Medical reports (for health claims)
  • Repair estimates
  • Any other supporting documents
1d: AI Assessment
  • Computer vision analyzes damage photos
  • Preliminary damage estimate generated
  • Fraud risk assessment
  • Claim validity check
  • Estimated settlement amount
Step 2: Claim Assessment Phase
  • Document Verification: All submitted documents reviewed
  • Completeness Check: Ensure all required documents provided
  • Authenticity Verification: Validate document authenticity
  • Policy Coverage Check: Confirm incident is covered
  • Preliminary Approval: Initial assessment completed
Step 3: Inspection & Evaluation
  • Field Survey Scheduling: Adjuster assigned and scheduled
  • Inspection Notification: SMS/email with date and time
  • On-Site Assessment: Physical inspection of damage
  • Detailed Report: Adjuster documents findings
  • Repair Estimate: Professional damage assessment
  • Negotiation (if needed): Discuss repair costs
Step 4: Approval & Decision
  • Claim Review: Management reviews assessment
  • Coverage Determination: Confirm coverage applicability
  • Settlement Amount: Final approved amount calculated
  • Approval Notification: Customer informed of decision
  • Denial Reason (if applicable): Clear explanation provided
  • Appeal Option: Process for contesting decision
Step 5: Payment Processing
  • Payment Method Selection: Choose payout method
  • Bank Transfer: Direct deposit to account
  • Check Payment: Physical check delivery
  • Repair Shop Payment: Direct payment to authorized shop
  • Processing Timeline: 3-5 business days
  • Payment Confirmation: Receipt and reference number
Step 6: Real-Time Tracking
  • Visual Timeline: Claim progression visualization
  • Status Updates: Real-time status notifications
  • Milestone Tracking: Submitted → Assessment → Inspection → Approved → Settled
  • Expected Timeline: Estimated completion date
  • Contact Information: Adjuster and support contact
  • Document Access: View all submitted and generated documents
Step 7: Post-Settlement
  • Settlement Confirmation: Final payment confirmation
  • Claim Closure: Claim marked as settled
  • Feedback Request: Rate claim experience
  • Document Archive: All claim documents stored
  • Future Reference: Access claim history anytime
  • Renewal Assistance: Help with policy renewal
Claims Management - Complete Process
CLAIM SUBMISSION
  • Select policy to claim against
  • Choose claim type (Accident, Theft, Damage, etc.)
  • Enter incident date, time, and location
  • Describe incident details
  • Upload photos/videos of damage
  • AI-based damage assessment
  • Submit claim
CLAIM TRACKING (Real-Time Status)
  • Submitted: Claim received and logged
  • Assessment: Documents verified and reviewed
  • Inspection: Field survey scheduled and completed
  • Approved: Claim accepted by adjuster
  • Payment Processing: Settlement amount calculated
  • Settled: Payment completed to customer
CLAIM COMMUNICATION
  • In-app chat with claims handler
  • Request additional documents
  • Upload supporting documents
  • Receive push notifications for status updates
  • View inspector details and appointment times
  • Download settlement letter
Multi-Channel Payment Ecosystem
Digital Wallets
Native integration with bKash, Nagad, and Rocket for instant mobile payments
Card & Banking
SSLCommerz gateway supports credit/debit cards and online banking
Bank Transfer
EFT and direct bank transfer options for large transactions
Wallet Balance
Stored balance for quick payments without external gateways
Auto-Payment Setup
Users configure automatic reminders and authorize auto-debit for recurring premiums, reducing lapse risk.
Payment History
Complete transaction archive with searchable receipts, filters, and PDF export capabilities.
Payment Methods & Billing
Payment Options
  • bKash, Nagad, Rocket (mobile wallets)
  • Credit/Debit cards via SSLCommerz
  • Bank transfer and EFT
  • Stored wallet balance
TRANSACTION HISTORY
  • View all payments with dates and amounts
  • Generate receipts
  • Filter and search transactions
  • Export to PDF
  • Retry failed payments
AUTO-PAYMENT SETUP
  • Set automatic payment reminders
  • Authorize auto-debit for premiums
  • Reduce policy lapse risk
  • Manage preferences anytime
All payments are secure and PCI-DSS compliant.
AI-Powered Backend Services
Document Processing AI
OCR technology extracts data from NID, vehicle documents, and signatures with 99% accuracy
Image Recognition
Computer vision assesses vehicle damage from photos, analyzes property conditions, and detects fraud patterns
Predictive Analytics
Machine learning models predict risk profiles, claim likelihood, and customer retention probabilities
Fraud Detection
Real-time anomaly detection identifies suspicious claims and policy applications using behavioral analysis
These AI services integrate seamlessly across mobile, admin, and backend systems, creating an intelligent insurance platform that improves accuracy and efficiency.
AI & Automation Services - Backend Intelligence
DOCUMENT PROCESSING AI
  • NID OCR: Extracts data with 99% accuracy
  • Vehicle document processing
  • Signature verification
  • Automatic field validation
  • Manual override capability
  • Real-time data extraction
IMAGE RECOGNITION AI
  • Vehicle damage assessment from photos
  • Property condition analysis
  • Fraud pattern detection
  • Automated damage severity scoring
  • Photo quality validation
  • Multi-angle analysis support
PREDICTIVE ANALYTICS
  • Risk assessment models for premium calculation
  • Claim likelihood prediction
  • Customer retention analysis
  • Churn prediction
  • Personalized product recommendations
  • Behavioral pattern analysis
FRAUD DETECTION
  • Real-time anomaly detection
  • Suspicious claims identification
  • Policy application fraud detection
  • Behavioral analysis
  • Pattern matching across database
  • Automated alerts to admin team
All AI services integrate seamlessly across mobile, admin, and backend systems.
Admin Portal & Complete System Overview
01
Executive Dashboard
Real-time metrics on policy sales, claim ratios, revenue trends, and customer acquisition
02
Customer Management
Centralized database with policy assignment, communication history, and blacklist controls
03
Policy Administration
Manual and bulk policy creation, endorsements, cancellations, and commission calculations
04
Claims Processing
Queue management, adjuster assignment, document verification, and approval workflows
05
System Configuration
Product setup, premium rate management, payment gateway settings, and notification templates
The complete ecosystem connects mobile customers with admin teams through robust APIs, ensuring data synchronization across all touchpoints while maintaining security and compliance standards.
Admin Portal - Complete Management System
01
EXECUTIVE DASHBOARD
  • Real-time metrics on policy sales
  • Claim ratio monitoring
  • Revenue trends and analytics
  • Customer acquisition data
  • Custom report generation
  • Export to Excel/PDF
02
CUSTOMER MANAGEMENT
  • Centralized customer database
  • Policy assignment and tracking
  • Communication history
  • Blacklist management
  • Customer segmentation
  • Activity logging
03
POLICY ADMINISTRATION
  • Manual policy creation
  • Bulk policy upload
  • Policy endorsements
  • Cancellation and refund processing
  • Expiry tracking
  • Commission calculations
04
CLAIMS PROCESSING
  • Claims queue management
  • Assign to adjusters
  • Document verification
  • Approval workflow
  • Settlement management
  • Recovery tracking
05
SYSTEM CONFIGURATION
  • Product setup and management
  • Premium rate configuration
  • Discount and promotion setup
  • Payment gateway settings
  • Notification templates
  • User role management