Rysy - a platform for rapid launch of niche insurance products Qorus-NTT DATA Innovation in Insurance Awards 2026

The solution we created is a reusable, mobile‑first platform that improves the process of deploying partner‑specific PZU insurance programs fully online. It integrates  custom-made platform with PZU’s processes, controls, and insurance components combined into a final product.  The solution covers the entire delivery lifecycle: from UX design and digital sales flows with dynamic tariffication to technical integration and regulatory compliance. This integrated approach allows new offers to go live faster, eliminating traditional deployment delays.

As those individual programs can’t be easily offered as a ready, standalone product, we use insurance components-based approach that applies to the specific needs of niche group clients. This modularity makes it possible to rapidly create “micro‑products” dedicated to closed customer groups. These clients typically include groups with distinct, specific insurance needs that differ from mass‑market segments, such as beekeepers, whose work involves unique operational and property risks around apiaries, or employer‑provided accommodation, where the insurance requirements differ from standard household products due to shared infrastructure, temporary housing status or employer responsibilities. These groups are exposed to specific risks that are not well-adressed through already available mass products and historically the cost and complexity of creating a one-time offer (including custom integration, pricing, regulatory reviews and operational setup) made serving them slow or impractical. Rysy solution removes these barriers by providing a ready-to-use, compliant path for delivering specialty products with minimal additional effort and with easy access for the client.

Previously, introducing  dedicated products required multiple Teams cooperation, custom integration  with legacy policy systems every single time and lengthy formal steps (requirements, security, legal/compliance), which slowed down delivery and limited rapid market testing. PZU looked for a repeatable way to deploy tailored insurance products quickly, with mobile‑first distribution and minimal effort for clients, while complying with existing central systems and gathering structured data. Rysy solution was created to provide a reusable path that embeds these steps into the insurance delivery process and removes time-consuming obstacles for addressing agent/client‑initiated market needs.

We were especially focused on the workflow’s regulatory and security readiness. The team conducted a formal review against DORA and The Polish Financial Supervision Authority (UKNF) cloud guidance, delivered cloud‑compliance documentation, completed a GDPR audit with process mapping, and ran an independent application pentest to validate cybersecurity controls. These measures made it reusable for new products and compliance-ready for financial institution production use.

For implementation, we operated on a platform to build an MVP and then executed a test deployment of a new PZU program on a live website, where customers could complete the entire purchase journey online (landing page through checkout) and give their feedback.

RESULTS

• Radical Time-to-Market reduction: The Rysy solution has successfully compressed the product launch cycle from 12 months to just 1 month. This enables PZU to react to emerging market niches.

• Massive operational savings: By utilizing the platform's no-code approach, the cost of launching new programs has been reduced to near-zero compared to the high-cost, resource-heavy legacy system deployments previously required.

• High internal adoption & satisfaction: The solution received an exceptional internal satisfaction rating of 9.3/10 from PZU stakeholders, highlighting its ease of use and business utility.

• Commercial scalability: Already implemented programs are currently on track to generate first million EUR in new Gross Written Premiums (GWP) within just the first year.

• Operational optimization & customer benefit: Rysy solution equips PZU with a faster, easier route to market for detailed offers, simplifies distribution for agents and partners, and gives customers easy-access digital purchase experience with pricing adjusted to their needs.

Our initial phase aimed to assess market size, customer needs, and available offers. The team identified practices that could be adapted in the solution. Market analysis across three candidate programs (employee accommodation, school trips, pet sitters) showed the highest near‑term value and scale for employee accommodation, guiding the pilot target-group choice.

It was important for us that each sold product maps to the correct data in our internal policy systems. The solution introduces a modular model, PZU provides reusable components of insurance specifications that automatically combine into a fully defined product ready for the client. By shifting from a traditional product‑creation process to a modular insurance‑component architecture, the workflow addresses a structural challenge that exists across the entire insurance industry: the difficulty of efficiently delivering small‑scale, niche, or community‑specific insurance programs without producing disproportionately high operational cost. Many insurers face this same bottleneck, as legacy architectures and product development processes are optimized for mass distribution rather than specialized groups. Our solution responds directly to a shared market reality and introduces an approach that allows PZU to move faster and more flexibly than what is typically possible in traditional insurance environments. The combination of a component‑based product model with translating group‑specific requirements into structured, system‑ready specifications creates a new technological standard for how targeted insurance can be delivered at scale and with full regulatory alignment.

After successful MVP demo, the solution was scaled to additional program types, moved to production and now works as a fully online, official product distribution channel for targeted specific client groups with automatic PZU’s internal insurance systems data mapping.