Insurance Software Solutions
Build a nimble insurance organization.
Ready to turn your data into a business asset? With Â鶹´«Ã½, you gain real-time insight and a flexible system. So you can spot opportunities, uncover risks, and quickly act on what you see.
Automates premiums and claims data integration using automated and scalable finance.
Shortens the close cycle by 25% using financial reporting and analytics.
Increases IT efficiency by 27% using continuous and company-wide planning.
Cuts auction cycle time by 80% using spend management.
Gains 24/7 insights into staff development and improves communication with talent management.
SOLUTION USE CASES
A use for all aspects of your organization.
Risk and Financial Controls
AUTOMATED AND SCALABLE FINANCE
Risk and financial controls.
Save time and money on audits and automate your controls. With Â鶹´«Ã½, you can:
- Take advantage of built-in controls
- Monitor controls for Sarbanes-Oxley
- Monitor operational risk
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy, claim, and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Shared data.
Give treasury and risk identical information.
Cash position stress testing.
Identify liquidity risk.
Line of business profitability reporting.
Keep stakeholders informed.
Streamlined Operational Data Integration
AUTOMATED AND SCALABLE FINANCE
Streamlined operational data integration.
Save time and money on audits and data collection. With Â鶹´«Ã½, you can:
- Get rid of silos and legacy systems
- Have the same account codes in your operational system
- Remove manual reconciliation processes
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Same data source.
Give treasury and risk identical information.
Cash position stress testing.
Identify liquidity risk.
Line of business profitability reporting.
Keep stakeholders informed.
Insurance Policy and Claim Subledgers
AUTOMATED AND SCALABLE FINANCE
Insurance policy and claim subledgers.
Increase agility, capture more policy attributes, and save on data collection cost. With Â鶹´«Ã½, you can:
- Bring your policy subledgers together
- See all data elements for each policy
- Gain a clear audit trail to policy-level details
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Same data source.
Give financial staff identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Deferred Acquisition Cost (DAC) and Premium Spreads
AUTOMATED AND SCALABLE FINANCE
Deferred acquisition cost (DAC) and premium spreads.
Improve your policy-level reporting. With Â鶹´«Ã½, you can:
- Automatically determine DAC
- Easily allocate deferred acquisition cost
- Eliminate manual reconciliation processes
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Built-in FTP calculation.
Quickly analyze profitability.
Automated Process Control
Automatic premium calculations.
Determine earned and unearned premiums and costs.
Drill back to transaction details.
Gain deeper insight.
Cost and profitability reporting.
Keep stakeholders informed.
Remeasurement Accounting (LDTI/IFRS)
AUTOMATED AND SCALABLE FINANCE
Remeasurement accounting (LDTI/IFRS).
Spend less time on manual regulatory processes, comply with new regulations faster, and reduce manual errors. With Â鶹´«Ã½, you can:
- Prepare for LDTI/IFRS 17
- Access data you need in one central location
- Easily update your quarterly GL
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Actuarial remeasurement and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data Enrichment
Cohort-level reporting.
Allow business analysts to map rules.
Accounting rules.
Quickly create journal entries.
Built-in worktags.
Empower actuarial assumptions.
Automated Process Control
Same data source.
Gain accurate insight into policy and financial details.
Drill back to transaction details.
See reserve changes by product.
Cost and profitability reporting.
Keep stakeholders informed.
Cost Allocations
AUTOMATED AND SCALABLE FINANCE
Cost allocations.
Gain visibility into all components of activity-based costing, save on data collection cost, and make decisions faster. With Â鶹´«Ã½, you can:
- Assign costs to your products and services
- Identify cost drivers for each activity
- Calculate and maintain overhead rates
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Common data model.
Easily calculate activity-based costing.
Data Enrichment
Allocation rules engine.
Allow business analysts to map rules.
Costing rules.
Empower business users to set up rules.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Same data source.
Give finance teams identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Financial Reporting and Analytics
Insurance Data Models and Financial Data Warehouse
FINANCIAL REPORTING AND ANALYTICS
Insurance data models/financial data warehouse.
Make decisions faster and save on audit and data collection costs. With Â鶹´«Ã½, you can:
- Gain audit trails to your policy-level details
- Report on policy-level details
- Remove manual reconciliation processes
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Same data source.
Give treasury and risk identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Risk and Actuarial Financial Reporting
FINANCIAL REPORTING AND ANALYTICS
Risk and actuarial financial reporting.
Save time and money on audits and automate controls. With Â鶹´«Ã½, you can:
- View a complete audit trail of transactions
- Improve audit controls
- Gain built-in segregation of duties
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Same data source.
Give treasury and risk identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
SEC Reporting
FINANCIAL REPORTING AND ANALYTICS
SEC reporting.
Save time on report creation, reduce the cost of data collection, and make decisions faster. With Â鶹´«Ã½, you can:
- Bring your transactions out of silos
- Unify account codes in your operational system
- Stop hard coding integration points
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Same data source.
Give treasury and risk identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
ESG Reporting
FINANCIAL REPORTING AND ANALYTICS
ESG reporting.
Centralize data for new disclosure requirements, commit to science-based targets, and streamline your path to net-zero emissions. With Â鶹´«Ã½, you can:
- Get ready to meet new disclosure requirements
- Understand supplier sustainability
- See the largest sources of scope 3 emissions
Want more information?
Featured capabilities.
Social Reporting for ESG
Progress tracking.
Measure progress and identify areas for improvement.
Consolidated information.
Understand workforce composition and more.
Syncs with other features.
Use with analytics, VIBE Index?, and learning.
Supplier Risk and Sustainability
Supplier ESG data collection.
See supplier risk and uncover ways to improve.
Scope 3 emissions reporting.
Report on emissions from supplier spend.
Emissions Modeling and Planning
Impact modeling.
See the impact of your reduction efforts.
Emissions data.
Understand where your material emissions come from.
Regulatory Reporting (NAIC/solvency II)
FINANCIAL REPORTING AND ANALYTICS
Regulatory reporting (NAIC/solvency II).
Report faster and save on data collection costs. With Â鶹´«Ã½, you can:
- Source data for NAIC/solvency II reports
- Flow data to your regulatory reporting system
- Eliminate manual, error-prone processes
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy, claim, and finance data in one platform.
Gain a granular view.
Data Enrichment
Quick accounting implementation.
Free up time for IT.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Same data source.
Give everyone access to identical information.
Automatic finance reconciliation.
Send reports to regulators faster.
Management Reporting/KPIs
FINANCIAL REPORTING AND ANALYTICS
Management reporting/KPIs.
Save time on report preparation, improve data quality, and make decisions faster. With Â鶹´«Ã½, you can:
- Ensure accurate reports
- Deliver various versions of data to leadership
- Tailor reporting to individual roles
Want more information?
Featured capabilities.
Robust Reporting
Object data model.
Build reports with unlimited dimensionality.
Unified data.
Bring financial, workforce, and operational data together.
Security permissions.
Distribute reports based on roles.
Insights to Drive Business
Reporting alerts.
Prompt leaders to take action.
Metrics and scorecards.
Track business performance.
Dimensional analysis.
Analyze your business across every dimension.
Analytics and Dashboards
Â鶹´«Ã½ Prism Analytics.
Blend Â鶹´«Ã½ and external data for reporting.
Persona-driven dashboards.
Gain insight into day-to-day operations.
Continuous and Company-Wide Planning
Claims Modeling
CONTINUOUS AND COMPANY-WIDE PLANNING
Claims modeling.
Update planning models faster, save on data collection costs, and speed up decision-making. With Â鶹´«Ã½, you can:
- Access policy-level details
- Securely source claims data
- Frequently update your claims models
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Claims and finance data in one platform.
Gain a granular view.
Built-in audit support.
Track transactions with data lineage.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Standardized planning models.
Bring consistency to how you plan.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Same data source.
Give treasury and risk identical information.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Product and Branch Profitability
CONTINUOUS AND COMPANY-WIDE PLANNING
Product and branch profitability.
Save time on planning and make decisions faster. With Â鶹´«Ã½, you can:
- Easily monitor branch performance
- Allocate costs to individual branches
- Model the impact of branch expansion and closures
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Intelligent data core.
Integrated with finance and HCM.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Driver-based analysis.
Understand business performance.
In-memory calculation.
Process data faster.
Automated Process Control
Single security.
Keep your information secure.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Operational Expense Planning
CONTINUOUS AND COMPANY-WIDE PLANNING
Operational expense planning.
Improve expense ratios, reduce planning cycle times, and make better decisions faster. With Â鶹´«Ã½, you can:
- Plan for non-interest expenses
- Frequently update forecasts
- Reconcile plans versus actuals
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Intelligent data core.
Integrated with finance and HCM.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Driver-based analysis.
Understand business performance.
In-memory calculation.
Process data faster.
Automated Process Control
Single security.
Keep your information secure.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Premiums Forecasting
CONTINUOUS AND COMPANY-WIDE PLANNING
Premiums forecasting.
Create forecasts faster and save time on data collection costs. With Â鶹´«Ã½, you can:
- Plan and forecast at the policy level
- Gain visibility across all product lines
- Update premium forecasts as often as needed
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Policy and finance data in one platform.
Gain a granular view.
Intelligent data core.
Integrated with finance and HCM.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Driver-based analysis.
Understand business performance.
In-memory calculation.
Process data faster.
Automated Process Control
Single security.
Keep your information secure.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Workforce Planning
CONTINUOUS AND COMPANY-WIDE PLANNING
Workforce planning.
Hire faster, save time spent on audits, and cut data collection costs. With Â鶹´«Ã½, you can:
- Plan for your workforce needs
- Understand your staffing needs
- Monitor workforce costs
Want more information?
Featured capabilities.
Workforce Modeling
Driver-based assumptions.
Model hiring and retention plans.
Cost impact modeling.
See workforce costs right away.
Global drivers.
See how global attributes impact plans.
Aligned Plans
Strategic planning.
Identify how to attract top talent.
Skills modeling.
Close the skills gap across functions.
Seamless execution.
Turn plans into action.
Staffing Insights
Intuitive dashboards.
Monitor costs, workforce composition, and open positions.
Workforce analytics.
See what¡¯s working and pivot as needed.
Reinsurance Rate Planning
CONTINUOUS AND COMPANY-WIDE PLANNING
Reinsurance rate planning.
Save time on revenue modeling, cut data collection costs, and make decisions faster. With Â鶹´«Ã½, you can:
- Plan for reinsurance rate changes
- Store treaty data in a unified system
- Remove manual planning processes
Want more information?
Featured capabilities.
One Data Source
Foundational data model.
Trust your data.
Treaty, policy, and finance data in one platform.
Gain a granular view.
Intelligent data core.
Integrated with finance and HCM.
Data Enrichment
Rules engine.
Allow business analysts to map rules.
Quick accounting implementation.
Free up time for IT.
Advanced preprocessing.
Vet every transaction.
Automated Process Control
Single security.
Keep your information secure.
Drill back to transaction details.
Gain deeper insight.
Line of business profitability reporting.
Keep stakeholders informed.
Spend Management
Strategic Sourcing
SPEND MANAGEMENT
Strategic sourcing.
Save time on sourcing, complete contracts faster, and improve your relationship with suppliers. With Â鶹´«Ã½, you can:
- Automate contracting process
- Monitor supplier performance
- Quickly onboard new suppliers
Want more information?
Featured capabilities.
Sourcing
Intake and pipeline management.
Streamline the sourcing process.
RFx.
Speed up the RFx process.
Value analysis.
Negotiate better deals.
Contract Management
Renewal alerts.
Stay on top of contracts.
Streamlined authoring.
Quickly create and revise contracts.
Supplier Management
Onboarding.
Bring suppliers in faster.
Supplier 360.
Manage your supplier relationships.
Performance insight.
See your top suppliers.
Supplier Management
SPEND MANAGEMENT
Supplier management.
Save time, improve supplier management capabilities, and close contracts faster. With Â鶹´«Ã½, you can:
- Gain visibility into all suppliers
- See supplier transaction history
- Monitor supplier performance
Want more information?
Featured capabilities.
Sourcing
Intake and pipeline management.
Streamline the sourcing process.
RFx.
Speed up the RFx process.
Value analysis.
Negotiate better deals.
Contract Management
Renewal alerts.
Stay on top of contracts.
Streamlined authoring.
Quickly create and revise contracts.
Supplier Management
Onboarding.
Bring suppliers in faster.
Supplier 360.
Manage your supplier relationships.
Performance insight.
See your top suppliers.
Contract Management
SPEND MANAGEMENT
Contract management.
Streamline the contract process and strengthen reporting. With Â鶹´«Ã½, you can:
- Automatically update contract changes
- Gain full visibility into contracts
- Quickly approve contract changes
Want more information?
Featured capabilities.
Contract Management
Contract templates.
Create, approve, and track customer contracts.
Invoice automation.
Automate based on billing terms and schedules.
Robust repository.
Support various contract types.
Single System
Aligned with billing.
Gain greater accuracy.
Business process framework.
Leverage built-in governance.
CRM integration.
Manage the full quote-to-cash process.
Analytics
Aggregated data.
See all your contract data in one place.
Built-in controls.
Ensure governance and control data access.
Insight into third-party credit data.
Determine customer risk.
Cost Containment
SPEND MANAGEMENT
Cost containment.
Reduce the procure-to-pay cycle time and save on data collection cost. With Â鶹´«Ã½, you can:
- Leverage three-way matching
- Automate controls and approval rules
- Monitor and analyze spend
Want more information?
Featured capabilities.
Purchasing
One system.
Manage information, processes, and policies for purchasing goods and services in one place.
Supplier Invoicing
Machine learning.
Intelligently capture processes and invoices to save time.
Spend Controls
Consistent controls.
Ensure transactions adhere to your rules.
Role-based permissions.
Choose who sees what.
Transaction details.
Better understand spend.
Predictable Spend
SPEND MANAGEMENT
Predictable spend.
Reduce the procure-to-pay cycle time and save on data collection costs. With Â鶹´«Ã½, you can:
- Leverage three-way matching
- Automate controls and approval rules
- Monitor and analyze spend
Want more information?
Featured capabilities.
Purchasing
One system.
Manage information, processes, and policies for purchasing goods and services in one place.
Supplier Invoicing
Machine learning.
Intelligently capture processes and invoices to save time.
Spend Controls
Consistent controls.
Ensure transactions adhere to your rules.
Role-based permissions.
Choose who sees what.
Transaction details.
Better understand spend.
High-performing Procurement
SPEND MANAGEMENT
High-performing procurement.
Reduce the procure-to-pay cycle time and save on data collection cost. With Â鶹´«Ã½, you can:
- Leverage three-way matching
- Automate controls and approval rules
- Monitor and analyze spend
Want more information?
Featured capabilities.
Purchasing
One system.
Manage information, processes, and policies for purchasing goods and services in one place.
Supplier Invoicing
Machine learning.
Intelligently capture processes and invoices to save time.
Spend Controls
Consistent controls.
Ensure transactions adhere to your rules.
Role-based permissions.
Choose who sees what.
Transaction details.
Better understand spend.
Talent Management
Recruit and Onboard
TALENT MANAGEMENT
Recruit and onboard.
Streamline the recruitment process to hire faster and improve engagement. With Â鶹´«Ã½, you can:
- Attract the right workers for every job
- Better plan for attrition
- Assess retention risk
Want more information?
Featured capabilities.
Built-In Automation
Dynamic candidate workflow.
Speed up the recruiting process.
Contract builder.
Send offers faster.
Automated onboarding.
Provide a seamless experience.
End-to-End Talent Acquisition
Internal and external sourcing.
Widen your talent pool.
Interview and candidate management.
Hire as a team.
Connection to compensation.
Send competitive offers.
Consumer-Grade Experience
Mobile-driven.
Allow candidates to search and apply for jobs from anywhere.
Configurable job applications.
Tailor the application to your needs.
Social media connectors.
Reach everyone¡¯s network.
Employee Engagement
TALENT MANAGEMENT
Employee engagement.
Build a diverse workforce, reduce turnover, and improve engagement. With Â鶹´«Ã½, you can:
- Know how your employees feel
- Break down employee sentiment by region
- Cultivate a sense of belonging
Want more information?
Featured capabilities.
Active Listening Technology
Personalized surveys.
Track engagement, D&I, health, and wellbeing.
Intelligent question targeting.
Ask the right questions.
Survey automation.
Ensure consistent feedback.
End-to-End Talent Acquisition
Employee sentiment insight.
See data in real-time.
Machine learning and semantic search.
Help applicants find the right job.
Impact correlations and benchmarking.
See how you measure up.
Consumer-Grade Experience
Contextual learning and prescriptive actions.
Help your people grow.
Dashboards for everyone.
Enable two-way collaboration.
Confidential conversations.
Get honest feedback.
Modernize for Efficient HR Service Delivery
TALENT MANAGEMENT
Modernize for efficient HR service delivery.
Reduce HR case volume, improve efficiency, and reduce the total cost of ownership. With Â鶹´«Ã½, you can:
- Quickly roll out HR programs to a distributed workforce
- Offer employees self-service
- Better engage with employees
Want more information?
Featured capabilities.
Digital Self-Service
Data integrity and synchronization.
Offer up-to-date information.
Faster search results.
Provide help at the moment of need.
Personalized content.
Meet people where they are.
People-Centered Design
Survey and feedback loop.
Keep communication open.
Tailored experiences.
Be there for moments that matter.
Push notifications.
Keep people connected.
Built-In Automation
Dynamic candidate workflow.
Speed up the recruiting process.
Contract builder.
Send offers faster.
Automated onboarding.
Provide a seamless experience.
Employee Experience and Well-Being
TALENT MANAGEMENT
Employee experience and well-being.
Provide greater self-sufficiency and improve connection. With Â鶹´«Ã½, you can:
- Better engage with employees
- Make things easier for an overstretched workforce
- Offer self-service
Want more information?
Featured capabilities.
Self-Service Functionalities
Built-in workflows.
Make processes easier.
Time-tracking, expenses, tax forms, and more.
Take care of everyday tasks.
Comprehensive guidance.
Offer support when needed.
People-Centered Design
Survey and feedback loop.
Keep communication open.
Tailored experiences.
Be there for moments that matter.
Push notifications.
Keep people connected.
Consumer-Grade Experience
Native mobile.
Take care of business from anywhere.
Chatbot and search.
Provide help at the moment of need.
Natural workspaces.
Meet your people where they work.
Belonging and Diversity
TALENT MANAGEMENT
Belonging and diversity.
Increase D&I insight, build a culture of belonging, and foster a more diverse workforce. With Â鶹´«Ã½, you can:
- Understand the makeup of your workforce
- Bring in and retain diverse talent
- Use data to make an impact
Want more information?
Featured capabilities.
Insight to Drive Change
Holistic workforce data.
Gain real-time insight.
Reporting and analytics.
See outcome-based belonging and diversity metrics.
Strategic Action
Progress monitoring.
Track your D&I initiatives.
Skills-based hiring.
Ensure equitable access to opportunity.
VIBE Index?.
Ensure inclusion and equal pay.
Meaningful Experiences
Employee sentiment survey.
Measure how your employees feel.
Personalized experiences.
Foster inclusion and belonging.
Skills Development and Training
TALENT MANAGEMENT
Skills development and training.
Reduce turnover, better allocate resources, and personalize learning experiences. With Â鶹´«Ã½, you can:
- Place the right people in the right roles
- Develop your best talent
- Stay on top of required training
Want more information?
Featured capabilities.
Career Development
Opportunity graph.
Offer up clear career pathways.
Job recommendations.
Suggest gigs based on skills and interests.
Democratized opportunity.
Give everyone the chance to grow.
Skills Analysis
Skills ontology.
Understand the skills you have.
Reports and dashboards.
See skills analytics.
Skills tracking.
Measure skills against business needs.
Learning and Training
Machine-learning recommendation.
Intelligently suggest learning.
Certification and license tracking.
Keep track of training.
Alerts and notifications.
Send automatic learning reminders.
CUSTOMER SUCCESS
More insurance companies are live on Â鶹´«Ã½ than any other cloud-based solution.
See how we put our customers at the center.