Par Wassel Alazhar (Architecte @OCTO Technology), François-Xavier Bouffant (Engineering Manager @Wakam )et Etienne Debost (Head of Architecture @Wakam)
La littérature promeut les plateformes digitales comme un levier de croissance pour les entreprises et un vrai avantage stratégique dans l’économie numérique.
Force est de constater que les entreprises qui se lancent dans cette aventure échouent : elles n’arrivent pas à dépasser le Proof Of Concept ou bien s’enlisent dans la paralysis analysis après des millions d’euros dépensés.
Nous vous partageons un retour sur l'expérience Wakam. Nous avons réussi à amorcer une dynamique pour construire une plateforme (tunnel de distribution en marque blanche, APIs, web apps, blockchain...) qui permet d’innover, de fournir des capacités métiers sous forme de commodité et d’assurer une expérience hyper personnalisable aux partenaires, en moins de 6 mois
Vidéo Youtube : https://www.youtube.com/watch?v=tfioZZTfX1M&list=PLBD8R108T9T4D3mcLiDpT67f9ERg1Hm2r&index=49
Compte-rendu : https://blog.octo.com/compte-rendu-du-comptoir-une-vision-de-plateforme-sans-leadership-tech-nest-quhallucination/
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Wakam is a business Platform building custom insurance
product and connecting capital providers and distributors
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We have built a Digital Platform over the entire value chain of
the Business Platform
5 Play&Plug for Reinsurers
Pricing & Policy APIs
Play&Plug for Distributors
Self-service process
B2C White-label sales funnel
Wakamees’ tooling
(CRM, PnP Wakamees, Zendesk…)
Digital platform key assets
Policy Admin System
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2
3
4
X
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OCPAS core bounded contexts
Context Description
Classific
ation
Assumptions /
MVP scope
Main Local Patterns
Operating policies Allows to operate and view the current state and history of all operations on the policy.
Reinforce product and geography specific business rules.
● Register an issued policy
● Policy Holder Withdrawal
○ during the cooling-off period (rétractation)
○ after the cooling-off period (résiliation)
● Renewal
● Billable endorsement
● Non Billable endorsement
● Suspend a policy (in case of unpaid invoice, for instance)
● Insurer cancellation (in case of missing or invalid supporting document or when the policy
holder have not kept to the terms of the policy or did not comply with anti-money
laundering/combating the financing of terrorism policy or other exceptions...)
(Only policies operated by Wakam are in the scope of to this context. It does not apply to the policies
operated by Wakam partners and reported to Wakam)
Core 1 single product = NVEI
● Register an
issued policy
● Policy Holder
Withdrawal
● Non Billable
endorsement
● CQRS
● Event Sourcing
● Transactional client
(notify api first)
● Domain Event
● Fault Event
On-Chain
reconciliation
● Guarantees eventual consistency between ocPAS and the public blockchain
● Abstracts blockchain related complexity to the rest of ocPAS
● Auxiliary of Operating policy bounded context
in details:
● Allows formatting, signing and publishing blockchain transactions to the public blockchain
(the one associated to the partner) for each public domain event related to the lifecycle of the
insurance policy
● Notifies ocPAS of blockchain transactions published directly by the partner to the public
blockchain.
Public blockchain remains the source of truth.
When a partner publishes directly a transaction to the blockchain, the state may become temporarily
inconsistent because some business rules cannot be published to the blockchain (GDPR for instance).
However, this inconsistency should be compensated by ocPAS eventually.
Core /
Supporting
Use a unique blockchain =
Polygon
● Event-Driven
Consumer
● Transactional client
● Polling consumer
(blockchain)
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OCPAS remaining bounded contexts
Tech & Archi vision
Context Description
Classific
ation
Assumptions /
MVP scope
Main Local Patterns
Personal
Information secure
access
● Provides a secure centralized access to personal information related to any external actor
(prospect, policyholder, insured, beneficiaries).
● Guarantees the right to oblivion. (GDPR)
Generic Minimalist implementation
(use of abstraction)
Issuing Motor
Insurance Card
Issues Motor Insurance Card
and send it to the official printer
Supporting
-> Generic
● Event-Driven
Consumer
● Transactional
client
Payment follow up
& invoicing
● Monitors payments related to each policy.
● Establishes the payment schedule and issues receipts/invoices (Quittances).
● Manages reminders and anticipate the expiration of payment methods.
● Notifies all ocPAS as soon as an invoice is considered as unpaid.
In the same way, it notifies all ocPAS when an unpaid invoice gets paid.
Supporting One payment method only =
Annual paid by Card (CB)
Payment collected directly by
Stripe through Particeep tunnel
before the contract gets digitally
signed by the policyholder
● Event-Driven
Consumer
● Transactional
client
Other contexts:
- Target Operating Model (Minimalist implementation during the MVP)
- Administration Policy Admin system (A proof of concept with no-code tool during the MVP)
- Policy Operators Authentication and Authorization
- B2C Policyholders Authentication and Authorization (out of MVP scope)
- Policyholders portal (Espace assuré)(out of MVP scope)
- Supporting documents verification and vault (out of MVP scope)
- Claim partner integration (aka BPO middleware) (out of MVP scope)
- Anti-money laundering/combating the financing of terrorism (out of MVP scope)
- Complaints follow up (out of MVP scope)
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Stream Aligned Team A (PAS/PAP)
Policies operation
PO: Benjamin & Charles supported by Thomas
TL: Mehdi
Devs Fullstack: Sofia, Jonathan, Franck, Senim, Kevin
Ops:
UX/UI: Yoann
Team breakdown to start the delivery & build the first KR
KR #1: Publish a NVEI policy in the Polygon blockchain from a Particeep subscription
Enablement Team
Product & Archi governance
Stream Aligned Team B (OC)
Blockchain reconciliation
PO: Charles
TL: Maxime
Dev Blockchain: Aymeric
Dev Back: Victor
Ops: Antoine
Transversal Team (DASH)
Infrastructure, Pub/Sub, standards, productivity, tools
Archi: Simon
Ops: Antoine
PM: Thomas
Archi: Rudy
Engineering Manager: Wassel
Contributors