Omnichannel motor insurance at PKO BP

Goal and challenges:

Launch of innovative process of purchasing motor insurance packet for the current Bank customer with the option of continuing the interrupted calculation in any sales channel.


The implemented solution enables the entire purchasing process to be completed in any sales channel, with the option of interruption and continuation from the breakpoint in the other channels.

The system, through numerous integrations, automates the data acquisition process maximally shortening the working time on the application. Selected functionalities affecting the acceleration of work include automatic download of customer data from the central database, acquisition of vehicle information based only on the number of license plates, algorithms for calculating the best offer for the Customer including the result of the needs analysis, integration of the sales path with a wide range of payment methods such as personal account, card or integration with cash payments at a Bank branch.

In addition, the system provides support to the Bank in the process of premium allocation, refunds, commission calculations and renewal automation.



The implementation process


In the first stage, the Bank internally developed a preliminary list of several hundred functional and non-functional requirements for the newly created business, the rules functioning at the Bank and the requirements of the security department. Based on these requirements, a detailed analysis was carried out, which was the complete scope of the project decomposed into a multi-stage implementation schedule.

Adaptation of the platform to the requirements

In less than three months, key processes were prepared, including the innovative process of purchasing motor insurance enabling the purchase of several risks from various Insurance Companies in one sale approach, which ultimately creates one contract for the client. At the same time, all components supporting the sales path were adapted to the visual identity (Corporate Identity / Brand Book) of the Bank.

Installation and integration with the Bank's environment

Based on the requirements prepared by the Bank, the necessary integration of the Blue Booster platform with the Bank's systems and external systems of Insurance Companies was defined. The interfaces of these systems were then connected to the Blue Booster platform and made available for use in the Bank's environments. As a result, in less than seven months, we managed to prepare, test and implement dedicated sales processes and launch sales through all non-direct channels.

Development and implementation of remaining stages

In the following months, the platform was integrated through subsequent dedicated integrations with the Bank's direct sales channels. Thanks to this, it became possible to fully support the Customer's applications as Omnichannel processes, where the Customer could, for example, be the initiator of the calculation on the IKO mobile application, switch to continuing it in the iPKO transaction system, and in case of problems consult the CallCenter or go to the branch and there close the sales process.