EZurance Smart Customer — digital transformation for conventional + Sharia insurance

Jasa Raharja Putera manages conventional general insurance + Sharia unit with operations dependent on legacy systems + layered manual processes. Quotation + claims took days to weeks. Agent network struggled with real-time information access. Regulatory compliance reporting required significant manual effort.

Capital Commerce executed a multi-phase transformation roadmap:

1. Core insurance system replacing legacy.
2. ERP + CRM for operational + customer ops.
3. E-Quotation + E-Claim self-service for agent + customer.
4. E-KYC digital onboarding.
5. Microservices architecture for modularity + scale.
6. EZurance Smart Customer app (Android + iOS) — customer-facing self-service for:
   • View detailed policy information
   • Digital claim submission + status tracking
   • Find nearest partner workshops
   • Locate Jasa Raharja Putera branches
7. Online payment integration to bank + e-wallet channels.
8. Agent app with commission tracking + lead management.

DX roadmap executed end-to-end + ongoing maintenance:

• EZurance Smart Customer app: 4.8 of 5 rating (123 verified reviews on Google Play), 5k+ installs, last updated Sep 2025 — production-grade + still iterated.
• Quotation cycle time dropped from days to hours.
• Claims flow self-service via mobile + e-claim — customers submit directly without visiting branches.
• Agent network real-time data access + commission tracking.
• Compliance reporting automated to OJK.
• Sharia + conventional units run in parallel with aligned workflows.