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Insurance & Fintech

Claims settled in days, not weeks

OJK-ready accounting in ERPNext, an agent and claims portal, and policyholder self-service on mobile.

ClientMotor insurance underwriter with a multifinance affiliate
IndustryInsurance & Fintech
Timeline10 months
Team8 specialists
0%
Faster claim settlement
0+
Agents onboarded
0 min
Claim submission
The challenge

Every claim started as an email with photos, moved to a printed survey report, and ended with a manually typed settlement letter. Reserves were adjusted in a spreadsheet, and the monthly OJK report took two people a full week to assemble.

01Claim status lived in one adjuster inbox, so policyholders and agents both called the branch directly.
02Survey photos arrived over WhatsApp with no reliable link back to the policy or the claim file.
03Commission calculations for 900 agents ran on a spreadsheet that broke every time the tiers changed.
04OJK reporting was reassembled by hand each month from three separate sources of truth.
Our approach

The solution

ERPNext implementation

ERPNext carries the financial spine — premium recognition, claim reserves, agent commission, and reinsurance cessions — with a chart of accounts and reporting structure built for OJK submission from day one.

ERPNext modules
Accounts
CRM
Projects
Buying
HR
Highlights
Premium and claim reserve postings mapped to the OJK reporting chart of accounts.Automated agent commission by tier, product, and persistency, paid on a fixed cycle.Claim files as projects, accumulating survey, repair, salvage, and subrogation cost.Coretax e-Faktur output and withholding tax handling on workshop and vendor payments.

Web platform

One portal serving two audiences: agents quoting and issuing policies, and adjusters and partner workshops working claims through to settlement with a full decision trail.

Key features
Agent quotation, policy issuance, and renewal pipeline with live commission visibility
Claim workbench for adjusters with survey photos, repair estimates, and approval routing
Partner workshop access for estimates, work orders, and completion evidence
Approval thresholds and a complete audit trail on every settled claim
Stack
Next.jsReactNode.jsPostgreSQLRedis

Mobile app

A policyholder app that turns a roadside accident into a submitted claim before the tow truck arrives, and keeps the customer informed all the way through settlement.

Key features
Digital policy card, coverage summary, and renewal reminder with a payment link
Guided claim submission with photo capture, GPS location, and incident description
Live claim status from survey through approval to workshop completion
Nearest partner workshop lookup and emergency roadside assistance request
Stack
React NativeXendit SDKGoogle Maps SDK
Results

Business outcomes

0%
Faster claim settlement
0+
Agents on the portal
0 day
OJK report preparation
0%
Fewer claim status calls
Claims that took three weeks now settle within days when the documentation is complete.
The monthly OJK submission is generated from the ledger instead of rebuilt by hand.
Agent commission disputes effectively ended once every calculation became traceable.
Fraud indicators surface earlier because survey photos carry time and location metadata.
“
Our customers judge us on one number: how long from accident to money in their account. Everything we built was aimed at that number, and it moved.
HHead of ClaimsMotor insurance underwriter · Motor insurance underwriter with a multifinance affiliate
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A fast-moving consumer goods distributor closed its books six weeks late every month because fourteen branches reconciled by email. We consolidated selling, stock, and accounts in ERPNext, then took ordering both online and offline.

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A coffee and bakery chain grew to 42 outlets without central visibility on stock or franchise performance. We put POS, central-kitchen production, and royalty accounting on ERPNext and rebuilt the cashier app for offline reliability.

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