The products differ; the foundation is shared — one data model, one security model, one audit trail, and one AI layer that learns across your whole business. Adopt one product or run everything connected.
AI isn't a bolt-on feature — it runs across underwriting, claims, finance, reconciliation and service, in every product GCT builds.
Risk scoring and pricing suggestions from data and rules — faster, more consistent decisions with a human in the loop.
Automated intimation, adjudication and settlement, with exceptions routed to people — cashless and reimbursement.
Pattern and outlier detection flags suspicious claims, duplicate submissions and leakage before they are paid.
OCR + NLP read proposals, bordereaux, slips and medical documents — extracting and validating data automatically.
Reserving (OSLR), lapse and loss-ratio forecasting, and portfolio insight — turning your data into foresight.
Automated matching of receipts, recoveries and technical accounts — surfacing breaks for review, tying figures out.
A natural-language copilot for staff, agents and members — query policies, statements and claims in plain language.
For SACCO and lending — data-driven loan appraisal and limits, with explainable, auditable recommendations.
Each product runs standalone or plugs into the rest — and each has AI built in.
Endowment, term, whole-life, money-back and ULIP — configurable products, premium setup, survival benefits, commissions, standing order & check-off, loans and claims.
Members, schemes with sub-limits & co-pay, pre-authorisation, provider-network & TPA integration, adjudication, settlement, renewals and wellness.
Motor, fire, marine, engineering and liability — rules-driven rating, underwriting, endorsements, claims, and reinsurance / coinsurance cessions.
Risk recording, treaties (prop / non-prop / fac), premium & technical accounting, claims, cash calls, retrocession recovery, OSLR, reinstatements and statements.
Members & accounts, savings, shares & dividends, loan origination-to-recovery, check-off & standing order, portal, mobile and statutory reports.
Role-based portals for cedants, brokers, reinsurers, agents, employers and members — plus native iOS & Android apps for balances, payments, loans and claims.
Cloud-native, API-first and composable — engineered so you can adopt AI, integrate anything, and scale without re-procuring.
Independent services with documented REST APIs — integrate any core, GL, bank or third party.
A built-in ML layer for scoring, prediction and document AI — models governed, explainable and auditable.
Containerised and orchestrated — deploy in public, private or hybrid cloud, or in your own data centre.
PostgreSQL, Oracle, MSSQL or MySQL — the same application, no re-write, no lock-in.
OAuth2 / TLS, encryption, immutable audit trail, and RMA, IFRS 17 & ECL-ready reporting.
Adopt modules independently and upgrade continuously — new capabilities without disruptive migrations.
Tell us the lines you run and where you want to grow. We'll show you the modules that fit, the AI they bring, and a route to go-live.
