# ACTICO > Decision management and compliance automation software for financial institutions and insurers ## At a glance | Field | Value | | --- | --- | | Category | Underwriting & Risk | | Type | Solutions Provider | | Region | EMEA | | Headquarters | Friedrichshafen, Germany | | Founded | 1997 | | Stage | Established | | Employees | 201-500 | | Funding | PE-Backed | ## Overview ACTICO is a decision management platform provider serving insurers, banks, and financial services firms with rules-based and AI-enhanced automation for underwriting, compliance, and credit decisioning. Founded in 1997 and operating as an independent company since a 2015 spinoff from Bosch's financial software division, ACTICO serves over 300 clients across 25+ countries, with deployments processing more than 145 million events daily. The platform combines a rules engine with machine learning model management and generative AI tooling, allowing compliance and underwriting teams to automate complex decision workflows. It offers both cloud (AWS, Azure, GCP) and on-premises deployment. For insurance use cases, ACTICO integrates with Guidewire and Duck Creek, supporting claims automation, underwriting decisioning, and regulatory compliance. The ACTICO Companion feature enables compliance officers to generate deployable rule sets from plain-language scenario descriptions. Keensight Capital acquired a majority stake in ACTICO in March 2025, with Bregal Unternehmerkapital retaining a minority position. The company was named a Leader in the 2026 Gartner Magic Quadrant for Decision Intelligence Platforms and included in the RegTech100 list for 2026. ## Products & services ### ACTICO Decision Management Platform Core automation engine for rules-based and AI-powered decisioning across insurance underwriting, compliance, and credit workflows. Handles over 100,000 transactions per minute. **Key features:** - Visual rule authoring and deployment for non\-technical users - Machine learning model management and governance - Explainable AI for regulated decision output - REST API integration for real\-time decisioning *Target users:* Insurers, banks, and financial services compliance and underwriting teams ### Compliance & Financial Crime Management Solutions for AML, sanctions and PEP screening, payment screening, capital markets compliance, and KYC processes. **Key features:** - AI\-assisted rule generation from plain language input \(ACTICO Companion\) - AMLA regulatory compliance support - Integration with existing case management systems *Target users:* AML officers and compliance teams at financial institutions and insurers ### Commercial Credit Risk Assessment Financial spreading, internal ratings, and credit decisioning tools. **Key features:** - Automated financial spreading and analysis - Internal credit rating workflows - Integration with core banking and insurance platforms *Target users:* Commercial lending and risk teams ### Retail Credit Decisioning Real-time automated credit decision APIs for consumer lending. **Key features:** - Real\-time API\-based decisions - Configurable decision logic without IT involvement - Audit trail and explainability for regulatory review *Target users:* Retail banking and consumer finance teams ### Model Management Predictive model governance and lifecycle management for financial and insurance use cases. **Key features:** - Model versioning and deployment pipeline - Performance monitoring and drift detection - Integration with rules engine for hybrid decisioning *Target users:* Data science and risk management teams ## Category & focus - Subcategories: Compliance & Regulatory, Claims Technology, Insurtech Infrastructure - Insurance verticals: P&C Commercial, Life & Annuity, Specialty/E&S - Target customers: Carriers, Reinsurers ## Notable customers - ING \(145\+ million daily events processed\) - Capital One - Santander - Swiss Life - Volkswagen Financial Services - Bajaj Finance - HDFC - CIMB - Maybank - KfW ## Links - Website: - Directory profile: - Careers: - Linkedin: - Press/news: --- *Last updated: 2026\-07\-01*