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Wataniya Insurance & CMARIX: A Partnership Driving Digital Transformation in Insurance Services

Wataniya Insurance, a prominent Saudi Arabian insurance provider, joined forces with CMARIX, a global leader in software design and development. This collaboration aimed to enhance Wataniya's digital presence and service offerings.

  • Technologies Microsoft Solutions
  • Build for Web Users
  • Industry Insurance
  • Country Saudi Arabia
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Leveraging CMARIX's expertise, Wataniya Insurance successfully transformed its traditional insurance services into a state-of-the-art digital platform. This platform streamlined the insurance process, improved customer experience, and provided easy access to Wataniya's diverse insurance products. The partnership exemplifies how industry expertise and innovative technology can revolutionize traditional business models and drive growth.

Wataniya Products

  • Engineering

  • Liability

  • Motor

  • SME Business

  • Medical Malpractice

  • Household Properties

  • Marine

  • Property

  • Finance

Overcoming Traditional Barriers: The Challenges Faced by Wataniya Insurance in the Pre-Digital Era

Overcoming Traditional Barriers
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    Paper-Based Operations

    Prior to the digital transformation, Wataniya Insurance managed all its operations through paper-based systems. This approach was time-consuming, prone to human error, and inefficient in terms of data retrieval and storage.

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    Manual Data Entry and Processing

    The lack of automation meant that all data entry and processing had to be done manually, increasing the risk of errors and inconsistencies.

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    Lack of Real-Time Data Access

    Without a digital system, accessing up-to-date information in real time was a significant challenge. This lack of real-time data access could lead to delays in decision-making and service delivery.

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    Inefficient Customer Service

    The absence of a digital platform made it difficult to provide efficient and timely customer service. Customers could not access their policy information, make claims, or get their queries resolved online, leading to potential dissatisfaction.

Overcoming Traditional Barriers
Overcoming Traditional Barriers
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    Regulatory Compliance

    In Saudi Arabia, like in many other countries, the insurance sector is heavily regulated. Keeping up with regulatory changes and ensuring compliance was a challenge without a system that could be easily updated.

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    Scalability Issues

    As Wataniya Insurance grew, managing increasing volumes of data and transactions using paper-based systems became increasingly difficult. The lack of a scalable solution posed a significant challenge to the company's growth.

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    Environmental Impact

    The extensive use of paper was not only inefficient but also had a significant environmental impact. Transitioning to a digital system was necessary from a sustainability perspective.

Overcoming Traditional Barriers

Crafting a Digital Future: How CMARIX Facilitated Wataniya Insurance's Digital Transformation

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  • In-depth Consultations

    In-depth Consultations

    CMARIX began the process with detailed consultations with Wataniya Insurance to understand their existing processes, challenges, and specific requirements. This allowed CMARIX to gain a comprehensive understanding of Wataniya's operations and the scope of the digital transformation needed.

  • Process Mapping

    Process Mapping

    CMARIX meticulously mapped all of Wataniya's paper-based processes into a digital format. This involved identifying key processes, understanding their inter-dependencies, and designing a digital workflow that would streamline these processes.

  • Regulatory Compliance

    Regulatory Compliance

    Keeping in mind the regulatory landscape of the insurance sector in Saudi Arabia, CMARIX designed the system to ensure compliance with all relevant regulations. The system was also designed to be easily updated to accommodate any future regulatory changes.

  • Scalable Solution

    Scalable Solution

    CMARIX designed the system to be scalable, allowing it to handle increasing volumes of data and transactions as Wataniya Insurance grows. This ensures that the system will continue to meet Wataniya's needs in the future.

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  • Customized System Design

    Customized System Design

    Based on the insights gained from the consultations and process mapping, CMARIX designed a customized digital insurance management system for Wataniya. This system was tailored to Wataniya's unique needs and designed to address the challenges identified.

  • Training and Support

    Training and Support

    After the system was implemented, CMARIX provided comprehensive training to Wataniya's employees to ensure they could effectively use the new system. CMARIX also offered ongoing support to address any issues or challenges that arose after the implementation.

  • User-Friendly Interface

    User-Friendly Interface

    CMARIX prioritized the user experience in the system design. The interface was designed to be intuitive and easy to use, ensuring that both Wataniya's employees and customers could easily navigate the system.

Architecting a Digital Ecosystem: CMARIX's Technical Approach to Wataniya Insurance's Digital Transformation

Architecting a Digital Ecosystem
  • User Types and Roles

    The system was designed to accommodate different user types and roles, including Wataniya Insurance employees, agents, and customers. Each user type was provided with a customized interface and access controls based on their role and responsibilities.

  • Agent Management

    A key feature of the system was the agent management module. This module allowed Wataniya to manage their agents, track their performance, and calculate commissions. It also provided agents with the tools they needed to manage their customers and policies.

  • Customer Portal

    The system included a customer portal where customers could access their policy information, make claims, and get their queries resolved. This portal was designed to be user-friendly and secure, ensuring a positive customer experience.

  • Technical Solutioning

    CMARIX initiated the project with detailed technical consultations with Wataniya Insurance to understand their existing infrastructure, technical requirements, and the scope of the digital transformation.

  • System Architecture Design

    Based on the insights from the consultations, CMARIX designed a robust and scalable system architecture for Wataniya's digital insurance management system. This architecture was designed to handle large volumes of data and transactions, ensuring high performance and reliability.

  • Data Migration

    CMARIX developed a comprehensive data migration plan to transition Wataniya's existing data from the paper-based system to the new digital platform. This involved careful planning to ensure data integrity and security during the migration process.

  • Integration with Existing Systems

    CMARIX ensured that the new digital platform could seamlessly integrate with Wataniya's existing systems. This ensured a smooth transition and minimized disruption to Wataniya's operations.

  • Regulatory Compliance

    CMARIX designed the system to be compliant with all relevant regulations in the Saudi Arabian insurance sector. The system was also designed to be easily updated to accommodate any future regulatory changes.

  • Security Measures

    Given the sensitive nature of insurance data, CMARIX implemented robust security measures in the system design. This included data encryption, secure access controls, and regular security audits to protect against potential threats.

Architecture of the system

  • Frontend

    This is the user interface where different users (employees, agents, customers) interact with the system. It's designed to be user-friendly and intuitive.

  • Backend

    This is where the business logic resides. It processes requests from the frontend, interacts with the database, and sends responses back to the frontend.

  • Database

    This is where all the data is stored. It includes customer data, policy data, agent data, etc.

  • Security Layer

    This layer protects the system from potential threats. It includes features like data encryption and secure access controls.

  • Integration Layer

    This layer allows the system to integrate with Wataniya's existing systems and any third-party services.

  • Compliance Module

    This module ensures that the system is compliant with all relevant regulations.

Empowering Stakeholders: Key Features of Wataniya's Insurance Management System

  • End Customers

    The system includes a customer portal where end customers can manage their policies, make claims, and get their queries resolved. They can also view their policy details, payment history, and claim status. The portal is designed to be user-friendly and secure, providing customers with a seamless online experience.

  • Companies

    Companies, as policyholders, have access to a dedicated portal where they can manage their corporate policies, add or remove employees, and track claims. They can also access detailed reports on their policies and claims, enabling them to make informed decisions.

  • Agents

    Agents have access to a comprehensive dashboard where they can manage their customers and policies. They can add new customers, issue new policies, manage renewals, and track claims. The system also includes a performance tracking feature, allowing agents to track their sales and commissions.

  • Admins

    Admins have access to a powerful admin panel where they can manage all aspects of the system. They can manage users (customers, companies, agents), policies, claims, and reports. They also have the ability to manage system settings, such as policy terms and conditions, premium rates, and commission structures.

  • Super Admin

    The Super Admin has overall control of the system. In addition to all the capabilities of an Admin, the Super Admin can also manage other admins, set access controls, and oversee system security and compliance.

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Secondary Colors

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Tech Stack

  • UI/UX

    Adobe Creative Cloud

  • Back-end



  • Front-end





  • Hosting

    Microsoft Azure

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