2. About SMS Solution
We are a full-service IT consulting and Software Engineering firm operating in the private and public sectors. We
differentiate ourselves based on IT thought leadership, responsiveness to the needs and expectations of our
clients. We deliver solutions on-time that meet or exceed client expectations.
We work together with our clients to build compelling apps that provide lasting excitement and value to their
customers. Our understanding of mobile and web based technology empowers us to bring a level of expertise to
your company like no one else. We know how to build products that can scale to your business' needs, regardless
if you're a start-up or an established company. SmashTest Solution is focusing exclusively in high quality and
cost-effective software development and implementation of services. We are advancing on a tremendous pace
and with involvement of skilled and experienced people working in the organization.
We are committed to delivering first class innovation, quality and state of the art technology solutions of any
complexity to clients both in the private and public sector all over Africa.
Our Mission is to achieve the reputation of a quality, high standard & reliable solution & service Provider
Company in the ICT industry.
Our Vision is to achieve 100% customer satisfaction by delivering quality products and services at an
affordable cost. Our forward vision is to strive to become an entity in technology based corporate solutions,
capable of demanding unconditional response from the targeted niche. We also believe that for our scope of
improvisation – we are always ready to take our achievements to the next level. We are growing and would
always like to remain on the growing streak.
Our keys for development:
• Desire for Excellence
• Trust and confidence build-up
We believe in:
• Collective responsibility and leadership
• Professionalism and ethics
• Adding values to our client needs
4. Trends in Adoption
One of the very first carriers to develop mobile application was Axa Mansard. According to Vanguard Nigeria
The firm has witnessed a surge in purchase of its insurance products since testing the application with a few
selected customers, garnering a lot of very positive feedback from the customers and organizations that are
looking to partner. Its mobile application enables auto insurance customers the facility to give first notice of loss
(FNOL). This application was designed to help policy holder to file a claim, upload pictures of an accident, follow
a detailed accident checklist, connect with local agents, and call roadside assistance. The app uses location-based
GPS data to direct towing services and find nearby approved repair facilities.
Many insurance carriers have rolled out mobile applications for their customers and field force for submission
of accident details, photographs right from accident site, and providing field services like calling and locating
workshops, hospitals, adjustors etc. The insurers are also expediting the claim process by m-enabling their
adjustors in the field, thereby reducing considerably the overall policy claim cycle and operational cost.
Other drivers that may lead to adoption of mobile solutions for insurance include need to improve customer
retention rates; reduce sales cycle turnaround time; offer personalized service to customer and agents. Because
of untied nature of sales force; insurers do not have insight from producers on their prospects, leads, and in-
progress sales in order to more accurately predict incoming sales. Our proposed solution can enable insurers
to be proactive with customer relationship so they can make the most out of every interaction, build
loyalty, and drive revenue growth. Clocking a certain sales volume can bring additional incentives to agents
but more often agents are unaware of how close they are to achieving their targets. Insurers can push
information to its producers using mobile technology on incentives and quota attainment to at all times, thus
motivating them to produce more.
6. Policyholder Analysis
Once a policy is sold, insurers don’t frequently interact with customers unless an individual is filing a claim or
looking to move their business elsewhere. Given the limited opportunities for face time with customers, it is
essential that insurers make the most of every single customer interaction to build loyalty, prompt good word-
of-mouth marketing, and drive revenue.
SMT Mobile Insurance makes it easy for insurers to quickly comb through large amounts of customer data on
activities related to website browsing, call center and social media interactions, demographics, and policy
purchases. Insurers can extract valuable insights from this data that help them to appropriately group customers
for marketing programs, predict customer defection, and personalize interactions they have with their
policyholders. By providing better visibility into call center metrics such as wait times, quality and length of calls,
and customer satisfaction, SMT Mobile Insurance helps insurers to refine their operational, customer service,
and sales strategies. SMT Mobile Insurance enables insurers to be proactive with customer relationships so they
can make the most out of every interaction, build loyalty, and drive revenue growth.
Too often insurance companies are forced to rely on a variety of line-of-business reporting tools for their
financial analysis. What they need is a single, integrated financial reporting tool that is secure, consistent, and
built to handle large, complex datasets.
Whether an insurer focuses on personal lines, commercial lines, or reinsurance, timely, accurate financial
information is critical to success. SMT Mobile Insurance helps ensure that organizations are empowered with
the insight they need to efficiently manage their daily tasks, make better decisions, and effectively collaborate
with colleagues. SMT Mobile Insurance financial reporting applications integrate data from a wide range of
sources to allow users to seamlessly access critical financial information related to profit and loss, solvency, risk,
claims, and expenses. SMT Mobile Insurance gives users a secure, personalized view of the financial information
that is relevant to their role in the organization. Insurers can also deploy SMT Mobile Insurance mobile apps to
their executives and board members, giving them instant insight into financial performance. These secure apps
help ensure data integrity, reduce costs by replacing large binders of paper, and can lead to significant time
savings for the insurer’s internal reporting team.
8. Insurance Mobile Solutions
Some miscellaneous services can also be obtained by app user. They can get the details of nearest point of help like
carrier office, ambulance service, and towing service using GPS based location service.
Extending mobile solutions for Insurance Value chain
Various functions across the Insurance value chain can be covered to provide full suite of mobile solution for
insurance carriers which include:
• Agents Self Service
• Quotes Generation
• Renewal Intimation
• Sales of Insurance Policy (Pins)
• Multimedia Training Kit
• Customer Self Service
• Policy Status Enquiry
• Enquire fund status
• Switching and redirection of funds
• Claims reporting, management and tracking
• Billing and Renewal enquiries
• SMS Alert
• Premium payment
• Miscellaneous Services
• Nearest office,
• Network hospital
• Nearest towing service
• Sales person details
• Document Management
• Marketing Tool
• AI Chat bot (Virtual Customer Representative)
9. Insurance Mobile Solutions
Business Value Creation
The typical cycle of claims reporting for auto claims requires either a phone call to carrier / call center or personal
visit to carrier office. This entails a huge time lag between actual accident time and time the claim processing
starts. Once the claim is reported it requires another trip by claim surveyor to personally visit the accident site
to take pictures of damaged vehicle so that decision making can be facilitated. In this process not only crucial
initial days are lost but it allows for chances of evidence being tampered.
Claim reporting using FNOL cuts claim reporting time drastically. It not only gets reported within minutes of
accident but the pictures uploaded also send geo coordinates reducing chances of fraud. At the same time the
carrier’s surveyor may not be required to travel to accident site to report damage and if at all they are required
to do so they may use functionality from same app to click and upload pictures of damaged vehicle. In addition
to reporting of claims the app helps to locate the nearest carrier office, hospital, towing services which come very
handy to the customer in case of accident.
FNOL application thus helps improves claims TAT, reduce chances of fraud and evidence tampering, reduces cost of
managing claims and at the same time increases customer satisfaction by providing anywhere anytime service.
With mobile technology becoming more advanced and its adoption increasing every passing day, a vast majority of
customer already possess the capability to use mobile devices. The acceptance of FNOL app (and many more on these
lines) would bring huge opportunity that many insurers would be ready to capitalize on.
Quotes Policy Enquiry
The new generation mobile devices based on platforms like iOS, Android, Blackberry, Windows etc. are offering
increasing flexibility like never before. Mobile self-service applications for quotes, policy renewals and claims
processing will enable insurers to offer customers a convenient and differentiated experience in a shorter time
The key would be to create measures to identify customer preferences for targeted products and features. This
would generate new revenue streams, strengthen the value proposition and differentiate the insurer in a highly
Description of Work Start and End Dates
Phase One Requirement Gathering and
Phase Two System design and development 1 month and 2 weeks
Phase Three System testing and deployment 2 weeks
Phase Four Post deployment support Project completion
ACTIVITY IMPLEMENTATION TIME RESPONSIBILITY
Activity Month One Month Two Month Three Responsibility
XXXXXXX Project Manager &
and System Design
3. Coding XXXXXXX XXXXXXX Consultant
4. Testing and Bug
XXXXXXX XXXXXXX Consultant
6. User Training XXXXXXX Project Manager &
7. Post Deployment
XXXXXXX Project Manager &
Timetable Gantt chart