DXC is building a Digital Insurance as a Service (DIaaS) platform on AWS to provide end-to-end digital insurance solutions. The DIaaS platform offers core insurance services, technology services, and business services through a curated ecosystem. It provides a flexible cloud-based platform for insurance carriers through consumption-based pricing and managed operational services. DXC aims to help insurers address disruption through the DIaaS platform by simplifying products and processes, enhancing customer understanding and engagement, and leveraging new technologies.

1. 1DXC Proprietary and Confidential
© 2018, Amazon Web Services, Inc. or its Affiliates. All rights reserved.
Kevin Aylward
Global Director, AWS Solutions, DXC Technology
Building DXC's Digital Insurance as a
Service (DIaaS) on AWS

2. DXC Proprietary and Confidential
April 11, 2018
Building DXC's Digital Insurance as a
Service (DIaaS) on AWS
Kevin Aylward
Global Director, AWS Solutions
Singapore | April 4, 2018

3. DXC Proprietary and Confidential
Agenda
• Disruption in insurance
• How market leaders respond
• Building DXC’s Digital Insurance as a Service (DIaaS) on
AWS
• Delivering an Onnichannel Experience
• Omnichannel Demo – DIaaS/Alexa

4. DXC Proprietary and Confidential
Disruption:
What’s happening in
insurance?

5. 5DXC Proprietary and Confidential
Today’s carriers are facing new challenges from many
directions
Growth of new entrants
Digital transformation Data revolution
• Commoditization of core protection products
and services
• New economy setting the bar for ecosystem and
brand experience
• New competitors, new delivery channels,
extended ecosystems
Changing market dynamics
• Power shifting from carriers and agents
to customers
• Digital savvy rejecting traditional products,
processes and channels
• Ubiquity of mobile, social, and self directed
buying behavior
• Readily available scalable technology innovations
(IoT, cloud)
• High run and maintain costs limit capacity for
investment in innovation
• Movement towards standardization, rationalization
and automation
• Proliferation of new data sources and types – social
media, Iot sensors, telematics
• Emergence of “consumer grade” analytics platforms
and tools
• Behavior based risk assessments

6. 6DXC Proprietary and Confidential
Disruption: Online aggregators & price comparators
Accelerating commoditization and a race to the bottom
Three graphics: Major search engine, Progressive,
and a new entrant that’s nothing more than an
aggregator. Three different models:
• Progressive: positive and negative selection
powered by telematics and analytic enabled
underwriting
• Google: power resides with “he who has the
data” and their ability to build and leverage an
ecosystem
• New Entrant: agile startup with a potentially new
business model
Impact:
• UK reports 25-30% reduction in overall
premiums
• Further leveling of the playing field; scale no
longer an advantage
So What for carriers:
1. Significant commoditization and premium
pressures
2. Increased competition from non-traditional
competitors

7. 7DXC Proprietary and Confidential
Predicting the future is hard but the trends are clear
Business
Technology
1. Increased distribution channel diversity – new entrants from a multitude of sectors
2. Self Service/Direct to Consumer
3. Price aggregation/commoditization/Product Simplification
4. Customer centricity
5. Usage-based insurance products – casualty, home, health
6. Shift in core value proposition – emphasis on education, loss mitigation, prevention
7. Digital engagement through mobile, web, social, chat, and video
8. Consumption IT: software and infrastructure as-a-Service
9. Data driven analytics and insight
10. Cybersecurity and data protection

8. DXC Proprietary and Confidential
How market leaders are
responding

9. 9DXC Proprietary and Confidential
Across the board – market leaders are transforming
Sold by Agents Bought by Customers
Transaction Customer Experience
Paper Based Digital/Real-time
Data Capture Data Analytics
Term Based Usage Based
Indemnification Continuous Value
Carrier Ecosystem
Inside-Out
Outside-In

10. 10DXC Proprietary and Confidential
Digital insurance:
Today’s market leaders are focused on three themes…
Consumption
Understanding
Engagement
Product Innovation
• Simplified/Embedded
• Mass Customization
• Enhanced
Features/Smart
Data Driven
• Macro and Micro
• External/Real-time
• Behavioral/Contextual
Ecosystems
• Partners
• Providers
• Channels
Buying Journey
• Channels/Devices
• 360o/Personalization
• Self Service/Social
Insight Enabled
• Holistic/Integrated
• Predictive/Responsive
• Granular Segmentation
Enhanced Experience
• Ease/Speed/Convenience
• Prevention/Education
• Continual Value
As a Service
• Infrastructure/Software
• API Economy
• Cybersecurity
Internet of Things
• Connected
Car/Home/Self
• Machine2Machine
• Big Data and Analytics
Mobility
• Device/Wearable/Camera
• Sensors/GPS/Beacons
• Virtual Assistant
Embracing Market
Dynamics
Addressing New
Needs and Wants
Leveraging
Technology

11. 11DXC Proprietary and Confidential
To thrive in today’s digital economy, insurers
must master:
Consumption
Mobile devices outnumber humans and are growing five times faster than the human population1
26% of non life consumers bought their policies on line2; 71% of insurance customers are willing to
purchase insurance online3
Business delivering a seamless customer experience across multiple touch points including their
contact center experience enjoy 9% higher customer retention4
• Streamline consumption
• Simplify processes
• Gain agility
• Consume data as a service
• Push innovation at the edge
Understanding
1 in 4 insurers don’t have a single customer view3
89% don’t consider past interactions when recommending product/services online1
74% plan to invest in customer analytics in 20155
• Break through data silos
• Enable a customer centric view
• Make smart interaction possible
• Deliver innovative products
• Enable better returns
Engagement
92% of policy holders indicate the importance for their insurer to go beyond indemnification to
helping them reduce and manage their risk¹
49% of US consumers would provide personal information in order for insurer to seek the best deal
for relevant service on their behalf6
• Improve customer satisfaction
• Engage continuously through value added
ecosystems
• Increase awareness and wallet share
1Tech Times, October 8, 2014
2IInsurance in a Digital World: the Time is Now, EY Global Insurance Digital Survey, 2013
3The Digital Insurer – Accenture 2013 Consumer-Driven Innovation Survey
4 The Business Value of Integrating the Contact Center Within your Omni-Channel Strategy, Aberdeen Group, March, 2014
5 Can IT Keep Up with Business Demands for BI and Analytics in Insurance? Gartner, 2014
6 Insurance 2020: The Digital Prize – Taking Customer Connection to a New Level, Price Waterhouse Chase

12. 12DXC Proprietary and Confidential
To Succeed, Insurers Must Focus on Four Imperatives
Build greater customer engagement
and intimacy
Simplify and automate products,
processes and technology
Reduce capital deployed
Use new data sources and
partner ecosystem services
Build
the new
Tackle
the legacy

13. DXC Proprietary and Confidential
Building DXC’s Digital
Insurance as a Service on
AWS

14. 14DXC Proprietary and Confidential
Pivot to Digital Insurance as a Service
End to End Solution:
- Software
- Infrastructure
- Operations
Curated Ecosystem
Consumption-Based Pricing
Flexible Deployment

15. 15DXC Proprietary and Confidential
Digital Insurance as a Service (DIaaS)
Reference Model
Platform services
• Telematics/IoT
• Digital claims
• Digital marketing
• CRM
Technology services
• eSignature
• Notifications
• Chat/voice
• eContent
Business services
• Travel & transportation
• Health & fitness
• Entertainment
• Security & monitoring
DXC Insurance Components Insurance Ecosystem: Platforms & Services
• Provisioning/de-provisioning
• Monitoring & management
• Hybrid cloud management
• Network management
• Help desk/escalation
• Scheduling/file transfers
• Cybersecurity monitoring
• Capacity management
• Versioning/patching
• Metering/billing
• Logging/audit
• DR/BC
Platform Operations
• Public reference APIs
• Insurance entity model
• API gateway & manager
• UI/UX framework
• Enterprise MEAP
• State manager
• Hybrid API adapters • Identity & access management
Product Marketing Distribution Servicing Billing Claims
DXC Digital Insurance Framework – API Management
Consumer Agent Advisor CSR Adjuster Underwriter
Back-office
worker
Digital marketer
Digital Insurance Applications
• New Business
• Policy Administration
• Product
• Billing
• Claims
• Reinsurance
Systems of Analysis
• Analytics & Reporting
• Analytics Platforms
• Data Platforms

16. 16DXC Proprietary and Confidential
DXC DIaaS Platform – Core of a Digital Ecosystem
DXC Digital Insurance Framework – API Management
(OmniChannel)
UX Framework DXC REST
Reference
Resource Model for
Insurance API’s
DXC Digital Enablement Framework
GI-P&C PAS Life PAS Group PAS Reinsurance
Claims
Product &
Rules
Engine
DXC API
Access &
Identity
Management
DXC Security
Monitoring
AWS Services
ServiceNow and DXC ITSM
DXC DevOps Platform
DXC Managed Services for AWS
CX/UX Templates
DXC Mobile Applications
DXC Analytics
DXC Regional
Digital
Transformation
Practice
DXC
ConversionEdge
Migration
Practice
API Gateway
Enterprise
Mobility

17. 17DXC Proprietary and Confidential
DIaaS Platform Deployment Topology
Availability Zone A
Internet
Availability Zone B
ELBDXC ABS
IAM
Availability
Zone C
Omni Channel
DMZ Subnet
vRouter and
Firewall
Management
API Consumer
OpenG OpenAM
Policy
OpenDJ
Config DB
OpenDB
User Profile
IAM Private
Subnet NACL
OpenG OpenAM
Policy
OpenDJ
User Profile
ELB OpenDJ
Config DBIntegration Integration
Client SOR
Application
CAS
GBP App
Private
Subnet
NACL
DirectoryRules
Engine
SoR PAS Print Web
Server
Business
Analytics
API
Adapter
CAS DirectoryBusiness
Analytics
SoR PAS Print Web
Server
API
Adapter
Rules
Engine
Client SOR
Database
GBP DB Private
Subnet NACL
SoR DB
SoR DB SoR DB
Monitoring
Platform
CSC Agility
DevOps
Platform
Batch
Scheduling
Platform
Security
Management
Platform
Monitoring
Platform
Agility
DevOps
Platform
Batch
Scheduling
Platform
Security
Management
Platform
Cloud
Management
Management
Platform Private
Subnet NACL
DeploymentDesigner
AWS Key
Management
Dev Portal
Cloud Front
Route 53
.
Key personas use DXC’s digital insurance
applications to access the RESTful API architecture
that exposes data and functionality in the core
insurance components
AWS Managed Services for DNS, CDN and API
Gateway.
Authentication services for DXC’s digital insurance
applications including standard user ID, token based,
federation and social authentication capabilities
– Policy Administration system that acts as the system
of record, providing the administrative services
– Business Rules Engine enables the externalisation of
rules and calculations
– The analytics layer providing reporting capability
Management services including;
- DevOps platform
- Security management
- System management platforms
DXC Digital Insurance
As-a-Service (DIaaS) Production
Environment Template
API Gateway
AWS
Managed
Services
AWS Container
Services

18. 18DXC Proprietary and Confidential
DIaaS Deployed Consistently Across Regional Hubs

19. 19DXC Proprietary and Confidential
Deployed Across Regional DIaaS Hubs
Global Reinsurance and Insurance Carrier
(US Operations)
• Term Life
• Unit-Linked Life
• Whole Life
Belgium P&C and Life Carrier
• Automobile, Motorcycle, Moped
• Homeowners
• Term Life and Mortgage
European Insurance Carrier
(Italy and Spain operations)
• Group
• Pension
• Custom Personal Risk
Global Insurance Carrier
(ANZ Operations)
• SME (Professional Indemnity, Cyber,
Material Damage)
• Corporate Travel
AWS Cloud Regions and
Availability Zones
(note: HK in plan)
Existing DIaaS Hub
Locations
(note: ASIA hub in plan)
Client Example
• Business overview
LEGEND

20. 20DXC Proprietary and Confidential
DIaaS Hub Managed Operational Services
The DIaaS Platform supports core business services,
as the centre of a Digital Ecosystem.
The Platform is managed by DXC allowing Customers
to concentrate on their core business, and new digital
opportunities.
Through DXC DIaaS Hub Operational Services, we
provide a Fully Managed Cloud Platform, ensuring
Customers’ business applications are secure and
highly available.
DXC DIaaS Hub Operational Services leverage proven
DXC Offerings in Security/Cyber, Managed AWS,
ITSM-ServiceNow, and Analytics.
Cloud
Management
Application
Monitoring
Security
Performance
Management
DevOps
ITSM -
ServiceNow

21. DXC Proprietary and Confidential
Delivering an Onmichannel
Experience

22. 22DXC Proprietary and Confidential
Industry Innovations
Industry objectives
Buyer expectations have changed, and the industry is beginning
to listen…
Why can’t I buy life
insurance as easily as
I buy things from
Amazon?
– Gen Y Consumer
Direct business models require web-scale, web-responsive, consumerized technologies.
What worked in the past won’t enable growth in the future.
Instant Issue
Policies
New distribution
Partners
Social
Media
Targeted
Marketing
Direct
Sales
Mobile
Technology

23. 23DXC Proprietary and Confidential
Omnichannel focuses on “connecting the dots” of
digital services…
• The consumer expects access to their digital assets anytime, anywhere on any device.
• Direct interaction with companies is expected
• Self-service is expected, but support is wanted and needed – on demand
• Enterprise IT systems need to enable the business and all potential channels of interaction
• This is where “digital” begins...
Source: Mckinsey, March 2014
Digital “refers to consumer-controlled electronic
interactions or cross-platform usage”

24. 24DXC Proprietary and Confidential
Omnichannel: User personas
Create tailored services as system of interaction
• Policyholder
• Claims Processor
• Broker/Agent
• Product Manager
• Executive
• Bio & Characteristics
• Goals
• Key Decisions &
Responsibilities
• Business Life
• Device Preferences
• Key UI Screens
Assigned AttributesKey Stakeholders

25. 25DXC Proprietary and Confidential
Empowering smart engagement: Omnichannel
April 11, 2018 25
Digital engagement: Right message,
right channel, right time
• Customer Lifecycle
• Buying Journey
• 360°/Personalization
• Self Service/Social
• Seamless/Integrated
• Choice/Paths
• Proactive Content
Creation
• Virtual and physical
• Digital Forms, Signature,
Delivery
Systemof
Record
Third-Party Software DXC Software Home-Grown Applications
Business
Process
Scope
Billing
Product
Development
Marketing, Sales
& Distribution
Underwriting &
Risk Mgmt
Policy
Administration
Claims
Customer
Servicing
Non
Functional Documents ReportingWorkflow
Smart
Engagement
Actionable
Relevant Contextual
CompliantPersonalized
Proactive
Omnichannel
ChannelManagement
Policy
Holder
Agent/Broker
Claims
Service/
Adjuster
Customer
Service
Executive/
Management
Product
Manager
Underwriter
Business
Scope
Health, Worker
Compensation
Saving, Annuities
Pension
Home
Leisure/
Accident
Fleet
Building
Personal Car
Non Life Commercial
Life

26. 26DXC Proprietary and Confidential
Delivering a digital customer experience for insurance
Seamless customer experience across
distribution & engagement channels
Digital engagement: right message, right
channel, right time
Insight and understanding driven by
internal and externally available data
Guided buying journeys tailored to roles,
personae, and lifecycle stage
1
2
3
4
Bank
Partner
Direct
Advisor
Broker
Agent
Policy Holder
3600
Understanding
Smart
Engagement
Integrated
Predictive
Real-Time
Structured
and
Unstructured
Behavioral
Actionable
Relevant
Contextual
CompliantPersonalized
Proactive
Customer
Journey
Renew
Consider
Purchase
EnhanceClaim
Refer

27. 27DXC Proprietary and Confidential
Technology stack for Omnichannel – Operational
User channels
IOS, android, windows, desktop, tablet, smartphone
Application
AIA, WMA-J, Integral, Risk master, Exceed, Point In, 3rd party, etc.
Omnichannel user experience
IE10+, Firefox 22+, IOS safari, android browser
Client-side UI rendering
meta-model driven, restful and dynamic rendering
API Gateway
API Mediation, Authentication, Policy
enforcement
Optional Restful Service Coordination
ESB if needed (may be fulfilled by API Platform)
Infrastructure
virtual or physical
REST API – RMM level 2 or 3
Platform
DXCAPIStore
Analytics,BusinessActivity
Monitoring
Mobile Platform
Device management,
push notifications,
etc.
API Management
Security, Policy, Governance, Lifecycle
Management, API Store
Apache Camel
RedHat Linux, Windows Server

28. DXC Proprietary and Confidential
Demo
DXC_CSC-612 March 2017

29. 29DXC Proprietary and Confidential
DXC market leadership increases…
Software – 1500+ clients
33 new Integral licenses (3 Java) in last year
310 licenses installed in 46 countries
2 “Go Lives” for POINT IN (Java)
Business Process Services
Significant transactions
Infrastructure Transformation
Global leader in infrastructure outsourcing
300,000+ desktops
NOA International Outsourcing Contract of the Year
Techworld Financial Services Project of the Year
Market Leading
More than half of the insurance companies in the top 500 of the
Forbes’ Global 2000 are DXC clients 90% of the insurance
companies in the top 250 of the US Fortune 500 are DXC clients

30. 30DXC Proprietary and Confidential
Our insurance business combines infrastructure, process servicing, and
next generation technologies based around our insurance software
spine
• Insurance software
– “Backbone” of our ecosystem and differentiator
– Five regional next generation policy platforms
– Six global application components
• Application services
– Modernization and conversion to support efficient processing
and digital ambitions
• Business process services
– Life and Annuity – open and closed book services
– Property and Casualty – personal and commercial products
• Infrastructure
– Rapidly moves to as-a-Service, supported by multi-provider
orchestration is key
• Integration of next-generation technologies
– Big Data, Cloud, cyber, mobile, digital Insurance

31. 31DXC Proprietary and Confidential
DXC Technology Suite
DXC Technology helps enterprises discover, migrate, modernize and manage application
workloads to the AWS cloud platform and utilize their latest innovations. Join us in Opal
Room 101 for deep dive workshops on how to begin your digital transformation!
The agenda and topics are shown below:
12PM - 1PM: DXC Cloud Workload and Advisory Services
2PM - 3PM: Managed Services for AWS
3PM - 4PM: SAP S/4 HANA Transformation for AWS
Register at: http://bit.ly/2IATgnF or see a DXC representative at the back of the room after this
session.

32. DXC Proprietary and Confidential
Thank you.
DXC_CSC-612 March 2017