Why this paper?
Claims payments represent one of the largest recurring capital flows in the global economy. Yet the architecture governing how that capital moves receives far less scrutiny than underwriting or capital management.
This paper examines how payment design influences capital efficiency, loss development, operating leverage, and governance. It outlines a structural approach to embedding execution discipline directly at the point of settlement.
Intended Audience
Chief Financial Officer
Capital allocation and liquidity discipline
Chief Claims Officer
Cycle time, cost control and customer outcomes
Chief Operating Officer
Scale, orchestration and execution reliability
Chief Procurement Officer
Provider pricing, benchmarking and spend visibility
Authors
Mirela Dimofte
CEO and Co-founder FinsurtechAI
Andrew Sims
CPO and Co-Founder FinsurtechAI
Ian Thompson
Founding Advisor FinsurtechAI
Mihai Faur
Founding Advisor FinsurtechAI