A closer look at what each GCT product does, the capabilities your teams get, and exactly where AI automates the work — so you can see how GCT fits your business end to end.
A complete life administration system for endowment, term, whole-life, money-back, unit-linked (ULIP) and group life. Products, premium structures and benefit schedules are configured, not coded — so a new plan is a setup task. It runs the full contract lifecycle, with premium collected by standing order and salary check-off, and it keeps clean, actuarial-ready data throughout.
AI removes the manual, repetitive parts of new business and servicing, keeping people focused on judgement calls and exceptions.
Risk scoring from proposal, financial and medical data auto-classifies cases into accept, refer or decline — clean cases issue straight through, edge cases route to an underwriter with the reasons attached.
OCR + NLP read proposal forms, ID and medical reports, extract and validate the data, and pre-fill the record — cutting data entry and errors.
A model flags policies at risk of lapse and triggers retention workflows and reminders before the grace period ends, protecting persistency.
Death and early claims are scored for anomaly and fraud indicators, flagging suspicious patterns for investigation before payout.
Health administration for members and dependants across retail and group schemes, with benefit designs that carry sub-limits, co-pay and waiting periods. It runs the full claims journey — pre-authorisation, cashless through a provider network and TPAs, or reimbursement — with adjudication against benefit rules built in, plus renewals, portability and wellness.
The biggest wins are in claims — GCT automates the clean-claim majority and concentrates human effort on exceptions and abuse.
Claims are checked automatically against the scheme's benefits, sub-limits, co-pay and tariffs — clean claims are approved straight through, others routed with the rule that stopped them.
Requests are validated against eligibility and package rates in real time, giving providers faster cashless decisions.
Detects upcoding, duplicate and split claims, unusual provider patterns and out-of-pattern utilisation — reducing leakage before payment.
OCR reads bills, prescriptions and discharge summaries and maps them to diagnosis / procedure codes, removing manual coding.
A non-life core for motor, fire, marine, engineering, liability and miscellaneous classes. A rules-driven rating and validation engine lets business users configure products, tariffs and covers, and the system runs quotation and underwriting, issuance and endorsements, and claims from first notice to settlement — with the reinsurance and coinsurance cessions behind each risk feeding accounting automatically.
AI speeds up both the front (pricing, issuance) and the back (claims triage, fraud) of the non-life cycle.
Suggests rates and flags high-risk exposures from historical loss data, improving consistency and speed of quotation.
Photos of vehicle damage are analysed to estimate severity and support faster, more consistent motor claim assessment.
Incoming claims are auto-triaged by complexity and scored for fraud, fast-tracking simple claims and flagging suspicious ones.
Predicts which policies are likely to lapse and prioritises retention action at renewal.
Our flagship — the entire reinsurance lifecycle on one data model. Risk recording and placement; treaty management across proportional, non-proportional and facultative; premium and technical accounting; claims and cash calls; retrocession recovery with credit notes and automatic payment entries; outstanding loss reserves (OSLR) and reinstatements; period close; general finance; and cedant and broker statements — built for RMA, IFRS 17 and ECL reporting.
Reinsurance drowns in documents and reconciliation — AI ingests, matches and forecasts so technical teams focus on analysis.
Document AI reads premium and claims bordereaux and slips in varied formats, extracting and normalising the data into the system automatically.
AI-assisted analysis of accumulations, exposures and treaty performance surfaces insight for pricing and renewal decisions.
Models support outstanding-loss-reserve estimation and IBNR, improving the speed and consistency of reserving.
Automatically matches recoveries, receipts and technical accounts, generating recovery credit notes and flagging breaks for review.
A core banking system for savings and credit cooperatives, covering both back-office (BOSA) and front-office (FOSA) operations. It manages members and accounts, savings and deposits, shares and dividends, and the entire loan journey from origination to recovery — with contributions collected by check-off and standing order, and members served through a self-service portal and mobile app.
AI strengthens lending decisions and protects the loan book — with recommendations that are explainable and auditable.
Scores loan applications from savings history, income, check-off and behaviour to recommend limits and terms — explainable and auditable, with the officer in control.
Flags members at risk of default from repayment and transaction patterns, prompting timely recovery action.
Identifies savings and loan opportunities and next-best-offers to grow member value.
Monitors transactions for anomalies and potential fraud across FOSA, mobile and agency channels.
Role-based web portals put each participant in direct control of their business with you — cedant, broker and reinsurer portals for placement and settlement; agent and intermediary portals; employer and scheme portals for group business; and member and policyholder self-service. Everything is governed by the same role model and audit trail as the core, and branded to each client.
AI turns portals from forms into assistants — answering questions and doing the data entry for the user.
A natural-language copilot and chatbot lets users ask about policies, claims and statements and get instant answers, reducing support load.
Document AI reads uploaded documents and auto-fills forms, so users submit complete, validated data first time.
Each user sees the actions, renewals and alerts most relevant to them, surfaced intelligently.
AI guides users through quoting, claims and onboarding step by step, cutting drop-off and errors.
Native-feel apps for iOS and Android put the core in the hands of members, customers and field agents. Check balances and statements, pay premiums, apply for loans, intimate a claim, and receive alerts — secured with biometric login and tolerant of patchy connectivity. Whatever a member does on the phone is instantly reflected in the core, the portal and the audit trail.
On mobile, AI makes the hard tasks — claims and applications — as easy as taking a photo and asking a question.
A conversational assistant answers questions and helps members transact in plain language, any time.
Members photograph documents or damage; AI extracts the details and pre-fills the claim, speeding intimation.
AI credit and eligibility checks give members instant, explainable answers on loans and cover from the app.
Timely, relevant reminders and offers based on each member's behaviour and lifecycle.
GCT's AI doesn't sit in silos. The same automation pipeline — ingest, understand, decide, act, learn — runs behind Life, Health, General, Reinsurance and SACCO, always with a human in the loop for the decisions that matter.
Documents, forms, bordereaux and channels captured automatically.
›OCR + NLP extract, validate and structure the data.
›Scoring & rules recommend accept, refer or decline — explainably.
›Clean cases straight-through; exceptions routed to people.
›Outcomes feed back to improve models over time.
AI recommends; people decide the cases that matter. Every automated decision can be reviewed, overridden and audited.
Each score and decision carries its reasons. Nothing is a black box — essential for regulators, underwriters and members.
Models are version-controlled and monitored, and run within the platform's role-based security and immutable audit trail.
Bring a real workflow — underwriting, a claim, a bordereau, a loan — and we'll show you exactly what GCT automates.
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