Software plays an important and ever increasing role in our daily lives and we do not even realize it most of the time. You may be surprised to learn that it took less code to send a person to the moon than it does to power the smartphones we use every day. Designing and writing the code that creates software is more than a discipline - it is a difficult skill that a small percentage of the population have mastered with great success. As programming has evolved, technology companies have introduced platforms that have made it easier for both developers and non-developers to create tailored solutions. You have probably heard about these platforms, referred to as “low-code” and “no-code”, but may not know what makes them different.
What is Low-Code?
Low-code refers to a more modern way of developing applications, where less programming expertise is needed. A low-code platform has pre-built blocks of coded commands that can be organized and then connected via programming into larger workflows. Low-code platforms are targeted to IT users but complex technical skills are not required to develop applications. Examples of low-code platforms include Appian, Mendix, OutSystems, Quick Flow and ServiceNow. Digital portals for customers and brokers that facilitate transactions through connections with backend core policy, claims and billing systems have been successfully built using low-code platforms. But just like each programming language having its place in terms of fit, low-code platforms will not always be the best option. This includes when meeting the business needs cannot be met through the platform’s pre-built templates, widgets, and UI components.
Low-code platforms offer speed, encourage agility and foster collaboration, as developers work together to deliver impactful solutions.
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No-code is similar to low-code but has some specific differences. No-code platforms have a drag-and-drop visual interface, similar to some low-code solutions. However, no-code platforms do not require programming to connect the pre-built components. They are designed for non-developer users with no coding experience required. These non-technical professionals, also referred to as citizen developers, have the ability to create complete applications. No-code platforms require minimal training, resulting in a quick ramp-up, contributing to speed to market.
While IT skills are not required to create applications using no-code platforms, IT plays an essential role in establishing the compliance and security governance structure, along with the sandbox (test environment) for the citizen developers. Developers will also assist if there is the need to integrate a no-code system with an enterprise application. But otherwise by design, the citizen developer builds solutions autonomously. This can reduce the contention of demand for IT talent, a challenge for many insurance companies.
The benefits of a no-code platform include agility and speed. Workflow automation is a strong use-case for no-code, where a business analyst at an insurance carrier can introduce new capabilities in less than an hour. Collaboration and the voice of the customer are amplified with no-code, with the application being built by teams that are closer to the business operations and end users. The return on investment (ROI) will be greater, with fewer resources and hand-offs between teams reducing both cost and duration, compared to development where coding is required.
Ushur’s No-Code Solutions
Ushur has created a no-code platform for insurance carriers to better serve customers, agents, brokers, members and claimants through automation. Employees are empowered to create, deploy and track two-way communications and workflows across multiple digital channels. Ushur enables digital transformation through its complete solution for intelligent automation, powered by advanced conversational AI and intuitive process automation workflows.
What are you waiting for? See how Ushur can introduce a differentiating customer experience and improve operational costs.
Ushur delivers the world’s first AI-powered Customer Experience Automation™ platform that has been purpose-built, from the ground up, to intelligently automate entire customer journeys, end to end. Designed to deliver delightful, hyper-personalized customer experiences through rapid issue resolution and unified, omnichannel engagement, Ushur is the first-of-its-kind system of intelligence. It combines Conversational Automation and Knowledge Work Automation in a No-Code, Cloud-native, SaaS platform to digitally transform every step of the complete enterprise customer experience – from Micro-engagements™ to entire customer journeys.
Backed by leading investors including Third Point Ventures, 8VC, Pentland Ventures, Aflac Ventures and Iron Pillar, Ushur’s Customer Experience Automation™ solutions are currently in production at some of the leading insurance providers across the globe including Irish Life, Unum, Aetna, Cigna and Tower Insurance.
Have you ever wished that it was easier to interact with an insurance carrier? We all know that waiting on hold for what can feel like forever and scouring the Internet for answers to seemingly basic questions are major hurdles that can cause most customers to approach simple tasks, such as filing an insurance claim, with caution and dread. With Ushur’s omni-channel Virtual Customer Assistant (VCA) powered by Conversational AI, insurance carriers can automate servicing for their end users in their channel of preference. That’s why Ushur has added WhatsApp, a popular communication tool used by 2 billion people worldwide, as a communication channel.
The insurance policy is a contractual agreement that stipulates, in exchange for payment, a person or business will receive reimbursement or financial protection against losses from an insurance company. In other words, if the required premium is paid, a customer will be paid for covered damage, injury, illness or loss.
Insurance is one sector of the financial services industry which has faced challenges as it embraced the digital revolution - first by choice and then by necessity following the pandemic lockdown. Cloud computing has taken hold, but some carriers are early in exploring solutions like artificial intelligence and machine learning.Insurance companies are eager to find technologies that cannot just improve but differentiate their overall customer experience, ideally while also reducing operational expense. One specific area insurance companies are looking at closely is claims service and process automation or as Ushur likes to call it, the future of insurance.
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