Case Study
How Sella Delivers Scalable Credit Risk Explanations with Prometheux
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Ontologies for Insurance

From fraud detection to claims automation — replace fragmented policy and claims data with a unified semantic layer that prices risk accurately, detects fraud networks, and meets regulatory scrutiny by design.

The Problem

Fragmented Across Platforms

Policy, claims, geospatial, and customer data live in disconnected systems — Snowflake, Azure, GCP — making it impossible to connect them for risk pricing or fraud detection without expensive pipelines.

Slow & Brittle Analysis

Actuaries and analysts can't query relationships across claims, policy, and external data without engineering support. PySpark and SQL workflows take weeks to update and break under new data models.

Compliance & Invisible Risk

Fraud networks span policyholders, providers, and intermediaries in ways table-based analysis can't surface. Regulatory scrutiny demands explainable, audit-ready reasoning across every decision.

The Ontology Advantage

Revenue Growth

  • Risk-based pricing with contextual underwriting signals — price policies with greater precision across every segment
  • Personalised coverage extensions identified for each policyholder based on real-time profile and behavioural signals
  • Optimise broker and channel performance using unified sales, retention, and outcome data across the portfolio
  • Cross-sell automation surfaces the right coverage at the right moment with full reasoning transparency

Protect Against Fraud

  • Detect suspicious patterns and entity relationships across claims in real time — before payments are authorised
  • Uncover organised fraud rings by connecting claimant, provider, and transaction data with full graph traceability
  • Flag high-risk applications before policy inception using cross-source signals and deterministic reasoning
  • Fraud networks uncovered that table-based and rule-based systems miss entirely

Improve Operational Efficiency

  • Straight-through claims processing with rule-consistent, fully explainable decisions — reduce manual adjudication at scale
  • Generate accurate, auditable Solvency II, IFRS 17, and consumer duty submissions from a single governed data layer
  • Eliminate inconsistencies across policy, claims, and financial systems through a shared semantic foundation
  • No data migration — deploy on Snowflake, Databricks, or AWS inside your existing infrastructure

Enable Intelligent Underwriting

  • Real-time risk signals connected to underwriting systems — contextual scoring that updates as new data arrives
  • Connect claims history, telematics, geospatial, and weather data into a single queryable risk ontology
  • Simulate catastrophe shock propagation and cascading exposure across policies and geographies in real time
  • Every underwriting decision is explainable and audit-ready — meeting regulatory and consumer duty requirements by design

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From Our Happy Customers

SD
Senior Director
US Biotech · Rare Disease Space

Prometheux is a Trusted Knowledge and Decision Intelligence platform. Imagine being able to define concepts connected to any source and orchestrate these to solve complex business challenges. In the age of AI and LLMs, Prometheux is a critical tool to ensure decisions are made with proper context, transparency and explainability.

Marco Romei
Marco Romei
Deputy CIO · Banca Sella

Generative AI without ontologies is an engine without a road. Prometheux builds the road.

Anna Fava
Anna Fava
Former Senior Manager, Data & AI · Dompé

Prometheux is more than just technology; it is a catalyst for fact-based decision-making. The ability to query heterogeneous databases through a flexible ontology makes it possible to infer deep knowledge and automate complex tasks, delivering trustworthy insights that far exceed the capabilities of traditional systems.

HR
Head of R&D
Central Bank

With Prometheux, we achieved a speed-up of over 250% on critical tasks involving complex reasoning over knowledge graphs with hundreds of millions of nodes and billions of edges. In the financial domain, where timeliness and analytical depth are both essential, this level of performance improvement significantly enhances our ability to extract insights, manage risk, and support data-driven decision-making at scale.

Massimiliano Malin
Massimiliano Malin
Head of Credit Risk · Banca Sella

Prometheux enabled us to build a system that can access our databases, process all the client’s historical variables, and provide an intelligent, understandable explanation autonomously.

SD
Senior Director
US Biotech · Rare Disease Space

Prometheux is a Trusted Knowledge and Decision Intelligence platform. Imagine being able to define concepts connected to any source and orchestrate these to solve complex business challenges. In the age of AI and LLMs, Prometheux is a critical tool to ensure decisions are made with proper context, transparency and explainability.

Marco Romei
Marco Romei
Deputy CIO · Banca Sella

Generative AI without ontologies is an engine without a road. Prometheux builds the road.

Anna Fava
Anna Fava
Former Senior Manager, Data & AI · Dompé

Prometheux is more than just technology; it is a catalyst for fact-based decision-making. The ability to query heterogeneous databases through a flexible ontology makes it possible to infer deep knowledge and automate complex tasks, delivering trustworthy insights that far exceed the capabilities of traditional systems.

HR
Head of R&D
Central Bank

With Prometheux, we achieved a speed-up of over 250% on critical tasks involving complex reasoning over knowledge graphs with hundreds of millions of nodes and billions of edges. In the financial domain, where timeliness and analytical depth are both essential, this level of performance improvement significantly enhances our ability to extract insights, manage risk, and support data-driven decision-making at scale.

Massimiliano Malin
Massimiliano Malin
Head of Credit Risk · Banca Sella

Prometheux enabled us to build a system that can access our databases, process all the client’s historical variables, and provide an intelligent, understandable explanation autonomously.

Why Prometheux?

Ontology Native

The only data engine that makes ontologies operational

Zero Lock-In

Works across your existing infra. No migrations. No GraphDBs

Ridiculously Faster

Exponential speed gains, minutes not months

Fully Explainable

Deterministic, auditable, compliance-ready

Agent Ready

Purpose-built for deterministic agentic workflows you can trust

Full Control

Transparent by design

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Perspectives on our customers, future of data, AI, and ontologies.

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How Sella Delivers Scalable Credit Risk Explanations with Prometheux

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READ MORE

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