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Cytora and Confianza Partner to Bring Smarter Business Intelligence to Insurers Data intelligence covering 75 million businesses and their principals will enable insurers to accelerate underwriting decisions and improve risk assessment Cytora, the leading digital risk processing platform, and Confianza, a cutting-edge insurtech that is fast-tracking targeted risk selection and loss ratio improvements, today announced a strategic partnership designed to enhance commercial insurance workflows and improve underwriting efficiency. This collaboration will integrate Confianza’s advanced data intelligence capabilities into Cytora’s risk digitization platform, enabling insurers to make faster, more informed underwriting decisions on business risk. Confianza’s proprietary data solutions will enable insurers to digitize and augment risk submissions with detailed insights on businesses as well as the business principal and consumer, including key information such as  business verification, compliance insights, financial health indicators, and fraud detection. Confianza’s comprehensive database of America spans more than 75 million businesses, 330 million adults/principals, 190 million properties and vehicle VIN & registration details.  Additional unique data layers & predictive modules include crime (at the zip+4 level), business & consumer credit, replacement cost estimator, lessor's risk occupancy, premium leakage and fraud among others. By leveraging Cytora’s AI-driven risk processing and Confianza’s rich information sources, underwriters will benefit from automated risk enrichment, reduced manual workload, and improved decision-making accuracy. Insurers using this integrated solution will be able to optimize their workflows, minimize underwriting delays, and increase profitability through more precise risk selection. The tie up This new relationship with Confianza is the latest integration partnership Cytora has agreed as the insurtech seeks to build one of the world’s most comprehensive data ecosystems for insurers. It also follows a period of significant growth for Cytora including agreeing to a major collaboration with Chubb, and the launch of the latest version of its platform earlier this month, which leverages agentic AI to bring a new level of performance and explainability to risk assessment and underwriting processes. Juan de Castro, COO at Cytora, said: “With the increasing complexity of risk assessment, insurers need cutting-edge solutions to stay ahead.The key to effective underwriting today is access to real-time, enriched data. Our collaboration with Confianza ensures that insurers have the information they need at their fingertips to drive smarter risk selection. This partnership will equip insurers with a powerful combination of AI-driven risk processing and robust data intelligence, allowing them to make smarter, faster decisions while ensuring their portfolios remain resilient and profitable.” John Petricelli, Chief Data Officer at Confianza, added: “This partnership is a game-changer for insurers looking to optimize their risk evaluation strategies. With Cytora, we are delivering a seamless data-driven underwriting experience, where insurers will gain deeper insights into risks, enabling them to underwrite with greater confidence and speed. We look forward to driving meaningful innovation in the insurance industry together.”   About Cytora Cytora is a configurable platform that enables commercial insurers to process risks with greater efficiency and accuracy. Cytora digitizes every incoming risk, enriches them with additional data, and routes them for automated or manual underwriting, enabling insurers to focus on portfolio-enhancing risks. www.cytora.com/

Confianza is proud to partner with the following businesses:

Confianza Crime Demonstrates strong signaling for Loss Confianza is offering a Unique and Powerful Crime data set that is significantly outperforming FBI Crime for Loss Propensity when measured against Actual Policy Loss Activity. Three Data sets: 1) National Incident-Based Reporting System  ( NIBRS ) in combination with the 2) Inter-University Consortium for Political and Social Research (ICPSR)   is an incident-based reporting system used by local, state & federal law enforcement agencies in the United States for collecting and reporting data on crimes, 3) 911 Blotter, to complete the full picture of crime activity.   Confianza Crime Advantages over FBI Crime ·        Confianza Crime data goes much deeper because of its ability to provide circumstances and context for crimes like location, time of day, and whether the incident was cleared. ·        Data is collected on every incident (not just arrests) including information on victims, known offenders, relationships between victims and offenders, arrestees, and property involved in crimes.  Note that FBI Crime has lost predictability due to limited/selective incident reporting and collection methods. ·        Confianza Crime measures down to the Zip + 9 (near block level) Geographic granularity improvements versus FBI Crime, which is at the zip code level.   Confianza Crime is naturally weighted, showing complete picture “Very high” levels   FBI Crime, with selected incident reporting, showing “Average” Levels Product Attributes: Quintile Range: 1-5 / Raw Scores: 1-200 Total Crime Score Index                 Murder Rape Assault Burglary Larceny Motor Vehicle Theft Gang Violence Cyber: Includes Identity Theft, Hacking, Computer Invasion   Delivery & Availability   ·         REST API Transactions ·         Batch process via secure ftp (preferred for one-time Modeling / Portfolio Analysis) ·         Nationwide availability   Costs:   ·         POC / Batch discounted pricing for one-time Modeling /Portfolio Analysis ·         Monthly Subscription fees based on volume tier transaction Pricing   About Confianza: ·         Driving profitable growth with instant 360 views of the Business, Principal, Risk & Exposure.   Data: ·         Our Comprehensive & unique datasets are comprised of over 30 data types from more than 70 sources, fully integrated into a single database, containing  five (5) core entities: 1.      All Businesses (74M-including NAICS, Sales, EE’s, Year started) 2.      Adults/Business Principals (360M-including purchase history & Financial strength) 3.      Household Demographics(includes income levels, assets, Drivers) 4.      All Assets with VIN / registration details (282M) 5.      All Properties (199M) + characteristics, fire protection, Weather Perils.   AI/Machine Learning Predictive Analytic layers & Modeling/Calculators: ·         Confianza Crime at the block level(Strong loss signaling) ·         Business Credit, Financial Stability & Risk Scoring ·         Loss Propensity / Fraud & Premium Leakage: Highly Predictive Variables & indicators.  ·         Property: Replacement Cost Estimator, Permit details, Lessor’s Risk Occupancy

Confianza Crime Demonstrates strong signaling for Loss Confianza is offering a Unique and Powerful Crime data set that is significantly outperforming FBI Crime for Loss Propensity when measured against Actual Policy Loss Activity. Three Data sets: 1) National Incident-Based Reporting System  ( NIBRS ) in combination with the 2) Inter-University Consortium for Political and Social Research (ICPSR)   is an incident-based reporting system used by local, state & federal law enforcement agencies in the United States for collecting and reporting data on crimes, 3) 911 Blotter, to complete the full picture of crime activity.   Confianza Crime Advantages over FBI Crime ·        Confianza Crime data goes much deeper because of its ability to provide circumstances and context for crimes like location, time of day, and whether the incident was cleared. ·        Data is collected on every incident (not just arrests) including information on victims, known offenders, relationships between victims and offenders, arrestees, and property involved in crimes.  Note that FBI Crime has lost predictability due to limited/selective incident reporting and collection methods. ·        Confianza Crime measures down to the Zip + 9 (near block level) Geographic granularity improvements versus FBI Crime, which is at the zip code level.   Confianza Crime is naturally weighted, showing complete picture “Very high” levels   FBI Crime, with selected incident reporting, showing “Average” Levels   Product Attributes: Quintile Range: 1-5 / Raw Scores: 1-200 Total Crime Score Index                 Murder Rape Assault Burglary Larceny Motor Vehicle Theft Gang Violence   Delivery & Availability   ·         RESTful API Transactions ·         Batch process via secure ftp (preferred for one-time Modeling / Portfolio Analysis) ·         Archives available for back testing (10 years – Since 2014), Quarterly basis ·         Nationwide availability   Costs:   ·         POC / Batch discounted pricing for one-time Modeling /Portfolio Analysis ·         Monthly Subscription fees based on volume tier transaction Pricing   About Confianza: ·         Driving growth & Profitability with an instant customer 360 views of the Business / Principal-Owner, Risk & Exposure.   Data: ·         Our Comprehensive & unique datasets are comprised of over 30 data types from more than 70 sources, fully integrated into a single database, containing  five (5) core entities: 1.      All Businesses (74M-including NAICS, Sales, EE’s, Year started) 2.      Adults/Business Principals (360M-including purchase history & Financial strength) 3.      Household Demographics(includes income levels, assets, Drivers) 4.      All Assets with VIN / registration details (282M) 5.      All Properties (199M) + characteristics, fire protection, Weather Perils.   Machine Learning Predictive Analytic layers & Modeling/Calculators: ·         Confianza Crime at the block level(Strong loss signaling) ·         Business Financial Stability Credit & Risk Scoring ·         Loss Propensity / Fraud & Premium Leakage: Highly Predictive Variables & indicators.  ·         Property: Replacement Cost Estimator, Permit details, Lessor’s Co-tenancy Risk Contact Jose Loera SVP Sales @ 404-242-9660 to discuss a complementary POC test jloera@confianzaus.com

The insurtech solution provider partners with Confianza to drive smarter risk evaluation and faster submission workflows for P&C insurers   Piscataway, NJ, January 16, 2025: IntellectAI , the Insurtech business unit of Intellect Design Arena offering AI and data-powered underwriting solutions, and Confianza, a cutting-edge insurtech that is fast-tracking targeted risk selection and loss ratio improvements for P&C insurers, have announced a partnership to transform the submission and quoting process.   With this partnership, Confianza’s predictions and risk scores are used to enhance the underwriting process within IntellectAI’s digital underwriting platform by providing Carriers, Brokers and MGA’s a way to assess and segment risk earlier and faster than ever.    Confianza’s unique value proposition in the market provides detailed insight on the business and its operations while also profiling the business principal and consumer, providing underwriters with more holistic insights to make better informed decisions on the actual business risk.     IntellectAI’s end-to-end, AI powered underwriting ecosystem assists underwriters in risk assessment and decision making across commercial, specialty and E&S lines.  This includes risk clearance, onboarding, and triage. Data and resultant predictive scores like Confianza’s, can be directly integrated into risk processing workflows. As a result, underwriters can make faster and better-informed decisions from submission to quote, improve speed to market, and enhance the broker and client experience.    Discussing the partnership, Banesh Prabhu, CEO, IntellectAI , stated, “We are committed to reshaping underwriting processes within the insurance sector. Our collaboration with Confianza and incorporating their targeted risk selection and loss prediction analytics into our ecosystem, is a significant step in realizing this objective.”   Prabhu continued, “This partnership empowers insurers with a robust toolset to comprehend and oversee the risks associated with businesses and consumers, enabling them to elevate their decision-making capabilities and strengthen their competitive standing in the market.”   “We are incredibly excited to partner with IntellectAI in support of their mission to “digitize” risk by integrating data points and analytical predictions into their intake process, that will ultimately help their clients automate underwriter review and prioritize submissions that are within their risk appetite,” said John Petricelli, Chief Data Officer at Confianza Inc. “We believe this partnership is another formidable movement toward helping insurers achieve profitability and growth by strategically using technology to better segment and categorize risk in the small commercial and personal lines underwriting space.”     About Confianza   Confianza drives profitable growth leveraging advanced analytics to target Risk Selection and improve loss and expense ratios.  Powered by state-of-the-art actionable data in combination with an AI/ML engine, Confianza delivers a 360 view of the business risk and exposure of not only the business but also the principal.  Confianza’s comprehensive database spans more than 75 million Businesses, 330 million Adults/Principals, 190 million Properties and Vehicle VIN & registration details.  Additional unique data layers & predictive modules include Crime (at the zip+4 level), Business & Consumer Credit, Replacement Cost estimator, Lesssor’s Risk Occupancy, Premium leakage and Fraud among others. www.confianzaus.com   About Intellect Design Arena Limited   Intellect Design Arena Ltd  is an enterprise-grade financial technology leader, providing composable and intelligent solutions for futuristic global financial institutions across 57 countries. Intellect’s revolutionary  First Principles Thinking-based Enterprise Connected Intelligence Platform, eMACH.ai , is the most comprehensive, composable, and intelligent open finance platform in the world.  With an impressive array of 329 microservices, 535 events, and over 1757 APIs, eMACH.ai enables financial institutions to design and deploy future-ready technology solutions that provide a significant global competitive edge.    With three decades of domain expertise, Intellect offers a full spectrum of banking and insurance technology products through four lines of business: Global Consumer Banking (iGCB), Global Transaction Banking (iGTB), IntellectAI and Digital Technology for Commerce (iDTC).  Intellect is a pioneer in applying Design Thinking and our 8012 FinTech Design Center, the world's first Design Center dedicated to Design Thinking Principles, underscores our commitment to continuous and impactful innovation, addressing the ever-growing need for digital transformation. We proudly serve over 325+ customers worldwide, supported by a diverse workforce of solution architects and domain and technology experts in major global financial hubs. For more information about Intellect, visit https://www.intellectdesign.com/   IntellectAI  is an Insurtech Transformation Partner with contemporary AI and ML solutions, data insights triangulated from thousands of sources, and agile technology, data science and consulting teams that take a strategic approach to tackling the biggest challenges for the industry. https://www.intellectai.com/     For Media related info, please contact: Nachu Nagappan    Intellect Design Arena Ltd Mob: +91 89396 19676 Email: nachu.nagappan@intellectdesign.com For Confianza info, Please contact : Jose Loera Confianza Inc. Mobile: 404.242.9660 Email: jloera@confianzaus.com   For Investor related info, please contact: Praveen Malik Intellect Design Arena Limited Mob: +91 89397 82837 Email: Praveen.malik@intellectdesign.com

Confianza is offering NIBRS Crime as a Unique and Powerful data set that is significantly outperforming FBI Crime for Loss Propensity when measured against Actual Policy Loss Activity. National Incident-Based Reporting System  ( NIBRS ) in combination with the ICPSR ( Inter-University Consortium for Political and Social Research)   is an incident-based reporting system used by local, state & federal law enforcement agencies in the United States for collecting and reporting data on crimes.   NIBRS Crime Advantages over FBI Crime ·        NIBRS goes much deeper because of its ability to provide circumstances and context for crimes like location, time of day, and whether the incident was cleared. ·        Data is collected on every incident (not just arrests) including information on victims, known offenders, relationships between victims and offenders, arrestees, and property involved in crimes.  Note that FBI Crime has lost predictability due to limited/selective incident reporting and collection methods. ·        NIBRS Crime measures down to the Zip + 9 (near block level) Geographic granularity improvements versus FBI Crime, which is at the zip code level.   NIBRS Crime is naturally weighted, showing complete picture “Very high” levels   FBI Crime, with selected incident reporting, showing “Average” Levels   Product Attributes: NIBRS Total Crime Score Index                    NIBRS Murder NIBRS Rape NIBRS Assault NIBRS Burglary NIBRS Larceny NIBRS Motor Vehicle Theft NIBRS Gang Violence   Delivery & Availability   ·         RESTful API Transactions ·         Batch process via secure ftp (preferred for one-time Modeling / Portfolio Analysis) ·         Archives available for back testing (10 years – Since 2014), Quarterly basis ·         Nationwide availability   Costs:   ·         POC / Batch discounted pricing for one-time Modeling /Portfolio Analysis ·         Monthly Subscription fees based on volume tier transaction Pricing   About Confianza: ·         Driving growth & Profitability with an instant customer 360 views of the Business / Principal-Owner, Risk & Exposure.   Data: ·         Our Comprehensive & unique datasets are comprised of over 30 data types from more than 70 sources, fully integrated into a single database, containing  five (5) core entities: 1.      All Businesses (74M-including NAICS, Sales, EE’s, Year started) 2.      Adults/Business Principals (360M-including purchase history & Financial strength) 3.      Household Demographics(includes income levels, assets, Drivers) 4.      All Assets with VIN / registration details (282M) 5.      All Properties (199M) + characteristics, fire protection, Weather Perils.   Machine Learning Predictive Analytic layers & Modeling/Calculators: ·         NIBRS Crime at the block level(Strong loss signaling) ·         Business Financial Stability Credit & Risk Scoring ·         Loss Propensity / Fraud & Premium Leakage: Highly Predictive Variables & indicators.  ·         Property: Replacement Cost Estimator, Permit details, Lessor’s Risk & Adjacent Lessor’s Risk  Contact Jose Loera SVP Sales @ 404-242-9660 to discuss a complementary POC test

ManageMy, a leading provider of cutting-edge customer management solutions, is thrilled to announce an exciting new partnership with Confianza, a trusted data analytics and insights company. This collaboration aims to revolutionize how businesses leverage data to enhance insurance customer experience. Understanding and engaging customers has never been more critical in today's competitive business landscape. ManageMy has long been committed to empowering its clients with tools and insights that help them exceed customer expectations, drive brand loyalty, and boost profitability. The partnership with Confianza takes this commitment to a whole new level. Confianza is renowned for its expertise in collecting, analyzing, and harnessing data to provide businesses with actionable insights. By integrating Confianza data into the ManageMy platform, customers can now Gain Deeper Customer Insights, Personalize Customer Engagement, Enhance Decision-Making, and Streamline Operations. “Customer experience is the cornerstone of any successful business, and this partnership with Confianza is a game-changer,” said Josh Hall, Head of P&C at ManageMy. “We are committed to providing our clients  the tools they need to thrive in today’s competitive marketplace. Integrating Confianza data into our platform gives our clients the edge they need to exceed customer expectations and drive their businesses forward.” “Today, more than ever, our clients depend on instant and accurate information & analytics necessary to execute and maintain the balance of customer service and profitable growth” said Confianza’s Chief Data Officer, John Petricelli. “With our partnership with ManageMy, we will be able to empower our mutual clients with an instant Customer360 view enabling active monitoring and management of change across the policy lifecycle.” For more information on how ManageMy customers can leverage the power of Confianza data to drive customer experience improvements, please visit www.managemy.com or contact sales@managemy.com About ManageMy: ManageMy is the platform that insurers, agents, brokers, and Managing General Agents trust to engage, innovate, and grow efficiently. ManageMypartners with carriers of all sizes, allowing them to streamline communication and experiences between all stakeholders. The no-code platform brings everyone closer together and ensures policyholders receive the personalized human touch they deserve, and agents benefit from an optimized workflow. For more information, please visit www.managemy.com and follow us on LinkedIn. About Confianza: Confianza is an innovative data solutions company providing instantaneous, comprehensive information via a powerful API and integration platform, empowering Carriers, MGAs and Brokers with comprehensive data & prescriptive analytics. Based in Florida, Confianza serves the needs of insurance & Financial Service professionals throughout the country with a fully integrated database of America of more than 300M individuals, 190M households and 55M businesses encompassing more than 2,300 attributes. Data attributes also cover approximately 200M properties with additional insights about Replacement Cost Estimator, human and non-human perils, risk and more. For more information about Confianza visit www.confianzaus.com