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Insurance Payment Summit 2025:
atriga brings new perspectives to the dialog

On 14 and 15 May, the insurance industry will meet in Düsseldorf at the Insurance Payment Summit, the industry get-together for payment transactions in the insurance industry.

As part of the Payment Work Labs, key future topics such as intelligent receivables management, automation, platform strategies and the targeted use of artificial intelligence will be on the agenda. atriga, a pioneer in customer-friendly, transparent and digital receivables management, will also be on site with its own team and contribute its expertise to the discussion.

The focus will be on important questions that are currently on the minds of many decision-makers: How can payment processes be made more customer-friendly? What role can generative AI play in sensitive debt collection situations? And how can the step from standardised processes to individual and progressive solutions be achieved?

Increasing pressure to act: payment transactions are becoming a key strategic point

The framework conditions in the insurance industry are changing noticeably: customers expect fast, transparent and flexible services, especially in difficult phases of life. At the same time, more and more people are coming under financial pressure due to multicrisis, inflation, the rising cost of living or insecure employment. The consequences have long been visible: loss of contributions, contract cancellations, declining loyalty. Payment transactions also affect a very sensitive part of the customer journey that has often been neglected in the past. This shows that those who design future-proof payment processes not only increase efficiency and reduce costs, but also strengthen customer loyalty at a crucial point.

atriga Head of Sales Christoph Overmann: “The change in payment transactions is no longer a distant vision, but has been taking place for a long time. Insurance companies that act today have the opportunity not only to improve processes, but also to redesign customer experiences and position themselves competitively in the long term.”

Christoph Overmann

Changing payment behaviour: standard processes fall short

According to the study “Payment disruptions/defaults in the insurance industry: awareness, prevention and strategies in the private customer business” by the renowned ibi research institute at the University of Regensburg (www.ibi.de), the experts surveyed from the insurance industry are convinced that the financial situation of private individuals will continue to deteriorate due to rising prices and high inflation. As far as future developments are concerned, 72 per cent of those surveyed assume that the situation for consumers will remain tense, while 28 per cent even believe that the situation will deteriorate further. Nevertheless, around 83 per cent continue to rely on a standardised dunning process – for all defaulting customers, regardless of their credit rating, life situation or contract history. For 51 per cent of respondents, maintaining the customer relationship is not the focus of processes for payment disruptions, while 42 per cent confirm that their processes are not geared towards finding solutions for payment disruptions together with private customers.

An approach that is hardly viable any more. While the reasons for payment delays vary greatly, the reaction of many systems remains the same: formal, rigid and not very situational. What is missing is an approach that is differentiated and context-sensitive – and that enables communication instead of preventing it. Another surprising finding of the study is therefore surprising: 86 per cent of all private customers with a payment disruption or payment default are dealt with in the same way using a standardised process. Only seven per cent of the insurers surveyed assign the private customers in question to predefined groups on the basis of defined key figures and treat them according to the previously defined procedures – or even treat each private customer on a situation-specific basis.

Artificial intelligence in a class of its own – if used correctly

This is where atrigaGenAI comes into play: the generative AI specially developed and trained for receivables management goes much further than traditional automation. The GenAI-based voice and chatbots communicate on a case-by-case basis, empathetically, around the clock and in multiple languages. Based on the customer’s previous behaviour, the AI recognises the appropriate tone of voice, the preferred channel and the individual dynamics of the conversation. This creates a dialogue at eye level – whether it’s a simple query or sensitive topics such as instalment agreements or payment target extensions. The contact remains personal, even though it is digital. And that’s exactly what makes the difference.

Between legacy and innovation: insurers need flexible solutions

But why is it that insurers are having such a hard time with the digital transformation? The will is certainly there, but it often fails due to established structures. Outdated IT landscapes, fragmented processes and tight budgets make it difficult to implement new ideas. A McKinsey analysis shows that around 70 per cent of IT expenditure is spent on operating existing systems. This leaves little room for innovation. atriga counters this reality with a modular white label approach. Whether as Software-as-a-Service or Business Process Outsourcing: all solutions can be integrated into existing IT structures. Without major reorganisation, without breaking the system, but with clear progress.

Payment as a platform: the next step in the digital customer relationship

Payment processes are no longer just technical procedures: they are contact points where customers make decisions. Do I stay? Do I cancel? Do I trust my insurer? That’s why platform solutions are needed that not only map different payment methods, but also manage communication intelligently, highly individually and at individual case level. atriga offers the right solutions for this, with payment pages, self-service portals, pay-per-link offerings and AI-based modules that can be flexibly customised. In this way, payment transactions are transformed from a problem case into a design area for customer experience and efficiency.

Insurance Payment Summit: impetus, orientation – and concrete solutions

The summit in Düsseldorf brings together exactly what the industry needs: Exchange, new ideas and real practical examples. In the Payment Work Labs in particular, there will not only be discussions, but also concrete demonstrations of what some insurers are already using today. The atriga team is looking forward to contributing tried-and-tested solutions from the areas of GenAI, white label, Saas and BPO to the discussion. Because here too, the key lies not in technology alone, but in the interplay of process expertise and intelligent control.

A clear mandate for the industry

Change in receivables management is no longer a distant vision, it has long been a reality. Those who act today have the opportunity not only to improve processes, but also to redesign the customer experience and position themselves competitively in the long term. This is where atriga proves that changes can be implemented in a targeted, pragmatic and measured manner. The Insurance Payment Summit provides the perfect setting for this.

Exclusive Workshop – Register now

Take advantage of the benefits: Exclusive workshop on the study “Payment disruptions/defaults in the insurance industry: Awareness, prevention and strategies in the private customer business” by the ibi research institute at the University of Regensburg

You and your colleagues can now find out how insurers successfully master the challenges of dealing with payment disruptions and defaults in the private customer business in a joint workshop with the experts from Krause & Schopp and atriga. In just one day, participants will gain an overview of current market trends, identify specific requirements and work together to develop possible solutions.

In addition to the presentation of selected study results, you will experience an exciting keynote speech by Prof Dr Florian Artinger from Simply Rational, put on the customer glasses in the workshop and work out real solutions with specialists, taking helpful recommendations for action back to your company. In addition, a highly topical excursus will answer the question of whether and where the use of AI/ML and generative AI is sensible and possible.

The workshop is based on the study “Payment disruptions/defaults in the insurance industry: Awareness, prevention and strategies in the private customer business” by the ibi research institute at the University of Regensburg (www.ibi.de).

For further information on the workshop, please contact us directly by e-mail at

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