decide4AI

Decision automation and business rules management for insurance enterprises

Underwriting & Risk Established 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

At a Glance

Founded: 2008
Headquarters: Madrid, Spain
Employees: 51-200
Funding: Bootstrapped

Category & Focus

Category: Underwriting & Risk
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