AWS re:Invent 2016: Re-imagining Insurance Processes with AWS Mobile Services (MBL402)
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Transcript of AWS re:Invent 2016: Re-imagining Insurance Processes with AWS Mobile Services (MBL402)
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© 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
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What to Expect from the Session
AWS Mobile Services Recap
New York Life Labs Use Case
Business Problem Overview
Solution Overview
Deep Dive
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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
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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)
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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
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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….
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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
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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
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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
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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
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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
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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
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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
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Application architecture
Availability Zone 1
Node.js backend
Availability Zone 2
Node.js backend
Frontend
Amazon
DynamoDB
Amazon
CognitoAWS Lambda
Amazon
SWF
Amazon
SNS
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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
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Custom authorizer blueprint
InternetMobile
Endpoints on
AWS Elastic
Beanstalk
401Custom authorizer
Amazon
DynamoDB
AWS Lambda
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Custom authorizer sample code
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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
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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
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Amazon Cognito user pools custom fields
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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
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Automated workflow with Amazon SWF
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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
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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
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Mobile notifications with Amazon SNS
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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: [email protected]
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Thank you!
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Remember to complete
your evaluations!
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