Case Study: aYo achieves faster, lower-cost claims processing with Hyland’s Alfresco Process Automation

African insurance company utilizes cloud-based Hyland solutions to provide insurance via cell phones

aYo is a mobile-first micro hospital and life insurer serving underserved communities in Africa (15+ million customers across Uganda, Ghana, Zambia and Cote d’Ivoire) with a goal to scale to 100 million via MTN. Faced with vast geographies, very low-cost premiums and growing claims volumes, aYo needed to cut claims processing time and headcount dramatically — including the ability to read handwritten, low-resolution medical documents submitted over WhatsApp — while maintaining strong security and compliance.

Using Hyland’s Alfresco Process Automation, integrated with WhatsApp Business, AWS Textract and other cloud ML services, aYo automated document submission, OCR indexing, task creation and process orchestration. The solution eliminated manual downloads, shortened claim handling from days/weeks to minutes/hours, reduced costs, supports ~30,000 monthly claims today, and future-proofs aYo to scale across MTN markets — improving customer experience and boosting financial inclusion for underserved communities.

aYo

Heidi Badenhorst

Group Head Strategic Projects and Innovation