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“At Nexilo, we believe every business deserves the power of AI—whether you're just starting or scaling fast. My team and I are here to support your vision and help you move forward with confidence.”
Challenge
- PCI DSS certification and FCA approval, ensuring full regulatory compliance
- Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
- Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows
Tradespeople face tool theft rates far higher than the national average. Many rely on manual lists, paper receipts, or outdated spreadsheets to manage tool inventories. Claims processes are slow, documentation is incomplete, and insurers struggle to validate losses quickly.
ARMD set out to digitize this entire ecosystem, but the complexity was significant. A fully cloud‑native, API‑first Insurtech platform was required to manage assets, verify ownership, and accelerate claims—without compromising compliance or security.
The platform needed to integrate with insurers, payment providers, IoT hardware, and retail data sources. It had to offer real‑time accuracy, zero friction, and seamless onboarding for users who often have limited time for digital admin.
Client Review
- PCI DSS certification and FCA approval, ensuring full regulatory compliance
- Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
- Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows
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Key Objectives
- Build a cloud-native Insurtech platform for tradespeople
- Digitize tool inventories with instant verification of ownership
- Enable automated, high-trust claims workflows
- Integrate with insurers, underwriters, and payment partners
- Implement secure data pipelines and compliance-ready architecture
- Deliver a mobile-first experience for quick onboarding
- Create a scalable foundation for ARMD’s insurance products and marketplace
Solution
- A fully digital insurance and asset‑protection platform was engineered to streamline the entire lifecycle of tool ownership and claims.
- A cloud‑native backend provided real‑time accuracy, secure data flows, and high availability. An API‑first architecture enabled ARMD to integrate insurance products, payment providers, and retail data sources without friction.
- A mobile-first interface allowed users to scan, register, and manage tools instantly. Digital proofs of ownership were stored in secure data pipelines, creating a verifiable, tamper‑resistant record for future claims.
- Automated claims workflows were introduced. When a theft occurred, users could submit digital evidence, select affected tools, and trigger insurer-side validation without paperwork. The system provided structured,
- compliance‑ready data that reduced assessment time and improved claim approval speed.
- A scalable microservices-based architecture made it possible to launch new features—risk scoring, asset tracking, tailored cover—without interrupting the platform. A CI/CD pipeline ensured rapid iteration and continuous improvement.
Results
- PCI DSS certification and FCA approval, ensuring full regulatory compliance
- Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
- Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows
- Digital tool inventories reduced friction during claims and improved accuracy
- Automated workflows shortened claims timelines and increased user trust
- API-first integrations enhanced insurer collaboration and data exchange
- Mobile-first onboarding improved product adoption among tradespeople
- Cloud-native architecture enabled fast scaling of insurance products and new service lines
- ARMD gained a modern, defensible Insurtech infrastructure built for long-term growth
