TOOLTO

Customer Experience Platform-as-a-Service for insurance, mobility, and utilities

Customer Engagement Growth PE-Backed

Overview

TOOLTO is a Customer Experience Platform-as-a-Service (CX PaaS) designed for B2B clients in intangible service industries, including insurance, banking, mobility, and utilities. The company serves carriers, insurers, and fleet operators that need to deliver structured, high-volume customer service operations without building the underlying technology in-house. Founded in Lisbon, Portugal in 2017, TOOLTO operates in the EMEA market and employs between 51 and 200 people.

The platform combines three components -- technology integration, process optimization, and people enablement -- delivered as a managed service. Rather than offering a packaged software product, TOOLTO builds dedicated CX platforms tailored to each client's operational model. The platform includes AI-powered workflow automation, intelligent dispatch, real-time coordination, and integrations with enterprise systems such as Salesforce and Talkdesk. Clients typically reach go-live within one to six months following a structured implementation roadmap.

In 2019, Inter Mutuelles Assistance Group, a European insurance assistance group and an Allianz subsidiary, acquired a 30% stake in TOOLTO's parent entity Mobility24, S.A. The company reports customer outcomes including a 40% reduction in claim resolution time for an insurance client and an NPS above 9 for a utility company deployment.

Products & Services

Customer Experience Platform-as-a-Service (CX PaaS)

A dedicated, modular customer experience platform built around each client's specific operational requirements. The platform is designed to scale with client growth and evolves through continuous improvement sprints.

Key Features

AI-powered intelligent dispatch and real-time coordination
Workflow automation and intelligent routing for customer service operations
Integration layer connecting legacy systems with modern platforms (Salesforce, Talkdesk, and others)
Dedicated implementation teams operating on monthly sprint cycles
24/7 ongoing platform management and support

Target Users: Insurance carriers, banks, mobility operators, and utilities

Implementation & Managed Services

A four-stage delivery model that takes clients from initial configuration to continuous operation: requisites (templates, workflows, and APIs), implementation (monthly sprint roadmap), continuous improvement (weekly steering and upgrades), and ongoing support.

Key Features

Go-live timeframe of 1-6 months depending on scope
Dedicated solution architects, engineers, and service specialists
SLA tracking and performance monitoring
Hybrid team model where TOOLTO staff integrate with client operations

Target Users: Enterprise insurers and service operators requiring managed CX operations

At a Glance

Founded: 2017
Headquarters: Lisbon, Portugal
Employees: 51-200
Funding: PE-Backed

Category & Focus

Category: Customer Engagement
Subcategories: CX Platform Claims Automation Workflow Automation Managed Services
Insurance Verticals: P&C Commercial P&C Personal Health Specialty/E&S
Target Customers: Carriers, MGAs/MGUs