aws re:invent 2016: re-imagining insurance processes with aws mobile services (mbl402)

© 2016, Amazon Web Services, Inc. or its Affiliates. All rights reserved.

Ilya Epshteyn, AWS

Rohit Katti, NY Life Labs

Sudeep Kulkarni, NY Life Labs

November 30, 2016

MBL402

Re-imagining Insurance Processes with AWS

Mobile ServicesHow New York Life Labs is re-imagining insurance

processes through disruptive innovation in the cloud

What to Expect from the Session

AWS Mobile Services Recap

New York Life Labs Use Case

Business Problem Overview

Solution Overview

Deep Dive

Mobile dev perspective

Platforms

Android, iOS, etc.

Languages

Java, Swift, Java Script, HTML5, C#,

Objective-C, Ruby, CSS

Frameworks

Cordova/PhoneGap

Ionic, Kendo

React Native

and more…

Development environments

Native apps, Mobile web, Hybrid app

Customer perspective

Secure, fast, responsive,

intuitive, personalized

user experience

Business perspective

Audience, engagement

Native app or and mobile webDespite apps dominance in usage time, mobile web is responsible for big audiences on

mobile. Mobile web audiences are almost 3x the size and growing 2x as fast as app

audiences (Source: comScore The 2016 U.S. Mobile App Report)

Areas that will make your app a success

Make it easy to find

Provide immediate and clear value

Simplify the user interface

Personalize experience with user insights

Deliver contextual information

Make it fun

Areas that customers spend the most time on

Identity Management

Auth

Device Synchronization

Asynchronous Communication

Engagement Analytics

User Behavior

User Retention

Push Notifications

File and Media Storage

Database access

And More….

Get started faster AWS Mobile SDKs

• Android, iOS, Unity, and JavaScript

• React Native Developer Preview – NEW!

• Cross-service authentication mechanism

• Optimized for mobile OS

• Handle intermittent network connections

• Reduced memory footprint, battery impact

iOS Android Fire OS Unity

Xamarin React Native

(Developer Preview)

Java Script

Amazon Cognito

Authenticate & sync

Amazon Mobile

Analytics

Analyze user behavior

AWS Lambda

Run business logic

Amazon S3

Amazon DynamoDB

Store content

Store data

Amazon SNS mobile

push notifications

Send push notifications

Complete set of mobile services

Mobile SDK

Amazon API Gateway

About New York Life Labs

New York Life Labs is a subsidiary of New York Life Ventures, the corporate

venture arm of New York Life Insurance Co.

Thinkers, engineers, and actuarial scientists

Experimenting with Chatbots, AI, and Blockchain

Connect, collaborate, and create next generation insurance products and

services

Insurance processes are broken

Analysts have to jump through a large number of systems to process a

single claim

Fragmented systems

Data interoperability

Manual work involving claim setup, review, and payout

It takes significant time to collect required information to process a claim

for a vanilla term life policy

Solution approach and goals

Disruptive innovation – build a new system from the ground up

Complete freedom – unfettered by constraints of existing systems

Mobile-first – utilizing the best of latest technologies and tools

Cloud native – secure, easy to scale, easy to deploy, easy to use

Focus on key value of the app – leverage as many AWS services as possible

Design goals

Responsive, mobile-first design:

Website “responds” to its environment

Seamless transition between devices

Screen-size agnostic

Material design:

Delightful visuals, playful animations

Bright, bold colors

Uniform experience across all devices

Redesign of claims processing grounds up

1. Beneficiary submits the claim online

2. Claim is saved and policy information is retrieved

3. Workflow process triggered

4. Automated claim processing workflow initiated

5. Notifications of status updates sent to beneficiaries

1

2

3

4 5

Application architecture

Availability Zone 1

Node.js backend

Availability Zone 2

Node.js backend

Frontend

Amazon

DynamoDB

Amazon

CognitoAWS Lambda

Amazon

SWF

Amazon

SNS

Authentication and authorization with Amazon

Cognito

Why did we use Amazon Cognito?

Securely access AWS services and resources used by our application

Support for authenticated and unauthenticated identities

Allows more than one user to have the same kind of access to services

and resources defined in the pool’s policy

Security requirement for token validation

Authorize API routes

Need a way to validate tokens

Leveraged custom authorizer blueprints for API Gateway

Custom authorizer blueprint

InternetMobile

Endpoints on

AWS Elastic

Beanstalk

401Custom authorizer

Amazon

DynamoDB

AWS Lambda

Custom authorizer sample code

Amazon Cognito user pools

Why did we select Amazon Cognito user pools?

Scalable, fully-managed user directory

Provides enhanced security; gives granular control over sign-up and

sign-in process

As a startup, rapid ramp-up time facilitated by user pools was a

critical factor

Worked closely with the AWS product team as early beta users

Amazon Cognito user pools custom fields

Custom registration fields Mandatory while signing up

Used for RBAC; distinguish among different

types of user in the application layer

Defines the operations the user can perform

and objects in the UI

Easy to implement

Considering the use of lifecycle triggers

with Lambda in the future

Amazon Cognito user pools custom fields

Company Notified

• Notification received via phone, or through an agent

• The Individual is flagged as deceased in the system

Claim creation

• New claim is set up

• Workflow process is initiated

Assignment

• Claims are assigned

Review

• Analyst verifies the information received; gathers more info if necessary

• Handles special cases

Payout

• Initiated for each verified beneficiary

• Manager approval could be needed

• Make payment

Claims processing workflow

Automated workflow with Amazon SWF

Event processing with AWS Lambda

DynamoDB Stream invokes Lambda, which calls SWF

Lambda also used as activity workers invoked from SWF

Amazon

DynamoDBAssign Claim

and trigger workflow

SWF

User files

a claim

DynamoDB

stream

Start the claim

workflow

Trigger additional

business logic

Mobile notifications with Amazon SNS

Why SNS?

Scalable, simple, and

secure

Easy to set up, simple,

and cost-effective

Key considerations

Security and reliability

Integration with other

AWS services

Mobile notifications with Amazon SNS

New York Life Labs and you

New York Life Labs is the hub for engaged stakeholders

focused on next-gen insurance technologies and products

We’re both a startup and a Fortune 100 company

Help shape the future of insurance by joining our team

Email me at: Rohit_Katti@nylim.com

Thank you!

Remember to complete

your evaluations!

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