# decide4AI > Decision automation and business rules management for insurance enterprises ## At a glance | Field | Value | | --- | --- | | Category | Underwriting & Risk | | Type | Solutions Provider | | Region | EMEA | | Headquarters | Madrid, Spain | | Founded | 2008 | | Stage | Established | | Employees | 51-200 | | Funding | Bootstrapped | ## Overview decide4AI is a decision automation and business rules management solutions provider for insurance carriers and enterprises in EMEA and beyond. The company -- operating legally as Decide Soluciones S.L. -- specializes in implementing Business Rules Management Systems (BRMS), machine learning models, and mathematical optimization solutions that allow non-technical users such as actuaries and underwriters to modify decision logic without IT involvement. Insurance-specific applications span underwriting, pricing, claims, customer engagement, and fraud detection. The company delivers its solutions through structured consulting engagements: an initial assessment, a scan-and-vision phase, a prototype, and then full project execution. Solutions integrate into existing insurance core systems via microservices and cloud-based architectures, enabling insurers to modernize decision infrastructure while preserving legacy environments. decide4AI holds ISO (SI-0125-2022) and IQNet quality management certifications and has been designated an Innovative SME (PYME Innovadora 2025) by the Spanish government. Founded in 2008 by former ILOG consultants, decide4AI has completed over 100 projects for more than 40 clients across insurance, logistics, aviation, energy, and retail. The company reports that thousands of policyholders of leading insurance companies interact daily with services implemented by decide4AI for quotes, claims, policy purchases, and document generation. decide4AI operates from its Madrid headquarters and a secondary office in Utrecht, Netherlands, with expanding presence in South America. ## Products & services ### Business Rules Management System \(BRMS\) An insurance-oriented BRMS implementation that separates decision logic from application code, enabling actuaries and underwriters to modify business rules independently of IT. Reduces time-to-market for product changes and supports rapid iteration on underwriting, pricing, and fraud workflows. **Key features:** - Non\-technical rule authoring for actuaries and underwriters - Separation of decision logic from core system code - Applicable to underwriting, pricing, claims, and fraud detection *Target users:* Insurance carriers \-\- actuaries, underwriters, product managers ### Machine Learning and Mathematical Optimization Predictive models and optimization algorithms that automate complex decision-making in underwriting and operations. Applied to underwriting scoring, pricing optimization, customer segmentation, fraud detection, and workforce planning. **Key features:** - Predictive underwriting and pricing scoring models - Fraud detection using predictive models and authentication systems - Supply chain and workforce optimization using operational research *Target users:* Insurance carriers and multi\-industry enterprises ### IT Architecture Transformation Modernization of insurance IT infrastructure to microservices and cloud-based architectures, enabling integration of BRMS and ML capabilities into existing systems. **Key features:** - Microservices architecture design and implementation - Cloud\-based architecture migration - Integration of BRMS and ML into legacy insurance core systems *Target users:* Insurance IT departments and technology leaders ### Decision Automation Engagement Model Structured delivery framework for automation projects: Assessment (0.5-1 day), Scan and Vision (2-5 days), Prototype (5-15 days), and Project Execution. **Key features:** - Phased delivery with clear milestones - Rapid prototyping before full commitment - Business case validation in early phases *Target users:* Insurance transformation teams and IT leadership ## Category & focus - Subcategories: Business Rules Management, Decision Automation, Pricing Optimization, Fraud Detection, Machine Learning - Insurance verticals: P&C Commercial, P&C Personal, Specialty/E&S - Target customers: Carriers ## Notable customers - MAPFRE - CaixaBank - Iberia ## Links - Website: - Directory profile: - Careers: - Linkedin: - Insurance: --- *Last updated: 2026\-06\-13*