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Legacy Technology Burden in Non-Auto Core Systems of P&C Insurers
Most small and medium-sized P&C insurers still rely on first-generation domestic core systems for non-auto insurance, which are built on monolithic, centralized architectures. These systems are highly coupled and difficult to modify, making it challenging to adapt to evolving business requirements. As a result, technical debt has accumulated over time, hindering the ability to adopt modern architectures such as cloud-native and distributed systems.
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Limited Data Processing Capabilities and Performance Bottlenecks
The data layer is insufficiently decoupled from core business systems, restricting the effective utilization of data assets. This significantly undermines data-driven capabilities across functions such as marketing, sales, product transactions, and risk management.
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Slow Product Innovation and Market Response
Legacy systems have low modularity and lack componentization, resulting in prolonged development and testing cycles for every product update or innovation. This severely limits the insurer’s ability to respond quickly to market demands and accelerate business growth.
GienTech’s Non-Auto P&C Core System, grounded in independent innovation, integrates advanced cloud-native technologies—including distributed architecture and DevOps containers—to significantly enhance development and operational efficiency.
The Product Factory seamlessly integrates with underwriting operations, enabling rapid product configuration and model-driven synchronization of underwriting workflows. It supports multi-business models and differentiated endorsement processes.
Powered by a premium calculation engine and policy rendering engine, the system delivers exceptional scalability and flexibility, enabling intelligent operations while improving efficiency and risk governance.
The Product Factory enables configuration and deployment within 1–3 days via modular design, ensuring unparalleled flexibility.
The premium calculation engine and policy rendering engine allow drag-and-drop configuration, minimizing technical dependencies.
Powered by rule engines, core workflows like policy issuance, claims, and renewals are fully automated—reducing manual steps and improving efficiency.
Personalized product bundles—tailored via customer profiling—drastically reduce service response times.
Built on ORIGIEN Financial-Grade Digital Infrastructure, the system leverages microservices and cloud-native technologies to accelerate iteration cycles.

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