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Capability Map & Registry — ktayl IS

The fine-grained functional target: 19 L1 domains → ~150 L2/L3 capabilities, each mapped to our actual system, status, criticality and resilience target. This is the machine-readable companion to the EA Blueprint (the narrative map). The full registry is the spreadsheet insurance_enterprise_capability_registry.xlsx; this page is its published summary + the why (the four problems) and the order (the roadmap).

:::note Two-layer model This is the ktayl-solution IS (the insurer). Retrieva is a separate product — but its provider→dependency→nth-party graph is a reusable pattern for portfolio accumulation (Problem 3 below). :::

1. The north star — four existential problems (the why behind priority)​

A capability earns priority by how much it attacks the industry's structural problems, not by parity with a generic map.

#Problem (AXA/Chubb/HDI/Allianz)What attacks itOur position
P1Insurability crisis — climate & secondary perils blow past actuarial modelsRisk Engineering (prevention), CAT, Exposure & Accumulation, portfolio geo-steering🔴 our weakest area vs the #1 problem
P2Margin squeeze — soft market + claims/social inflationPricing Engine, portfolio analytics (loss/combined ratio), UW discipline, Data Platform🔴 largely gap
P3Systemic cyber/AI accumulation — one vuln → cascade of claimsportfolio dependency graph, exposure aggregation, cyber LOB, scenario analysis🟡 we own the exact pattern (Retrieva graph)
P4Legacy tech + talent gapa modern automated core + AI copilots🟢 our strength — no legacy debt, mature AI platform

The shape of the gap: strong bottom-of-stack + AI (answers P4), a unique graph asset (answers P3), and most of the insurance business core missing (which is exactly what attacks P1/P2).

2. The 19 domains (B2B industrial model) ↔ the 12-domain blueprint​

The EA Blueprint groups the IS as 12 business domains + 4 transversal layers; the registry uses the finer 19 L1 domains of the B2B-industrial capability model. They reconcile — the 19 just split what the 12 bundled:

  • Submission (02) and Pricing & Portfolio (04) are broken out of Underwriting.
  • Data (12), Document (14), Integration (16), IT Ops (17), Cyber/IAM (18), AI (19) are the blueprint's transversal layers made explicit L1 domains.
  • Compliance (13) and International (06) are first-class L1s.

3. Status — the honest headline (150 capabilities)​

StatusCount%Where
🟢 LIVE2215%Policy, Claims (prod), IAM, AI platform, Data Platform (Metabase BI), parts of Finance
🟡 PARTIAL3423%Underwriting (live on dev), ERPNext finance, compliance/DORA, integration primitives, DMS storage
🟡 SCAFFOLD4027%Risk-Eng, Reinsurance, International, ITSM
🔴 GAP5436%Submission, CRM/MDM, Pricing, Billing (insurance), Channels

~15% of the insurer's capabilities are live. The GAPs cluster exactly where P1/P2 bite (pricing, portfolio, prevention). Criticality mix: 31 Critical · 80 High · 39 Medium.

Updated 2026-09-30 (verified against the running cluster): since the last registry count, Claims promoted to prod (GlobalCore strangler shipped), the Data Platform (Metabase BI, Slice 1) came live, and Underwriting is live on dev — so the live/partial mix slightly understates reality; the exact counts await a registry re-count. Stage-by-stage live-vs-planned is in §3.1 below.

Per-domain status is in the EA Blueprint gap analysis; per-capability detail (owner, data, API, pain, AI potential, priority score) is in the registry spreadsheet.

3.1 Contract lifecycle coverage — the B2B industrial policy end-to-end​

Corporate insurance is a risk-engineering process, not a product sale — the insurer prices the exposure, and the submission dossier IS that exposure. This walks the full industrial-policy lifecycle (courtier → submission → underwriting → quote → bind → policy → billing → vie du contrat → renouvellement) and marks what actually runs. 🟢 prod · 🔵 dev only · 🟡 partial · ⚪ planned (verified 2026-09-30).

Lifecycle stageSystem / domainBoardStatus
Courtier / relationshipDistribution & CRM#13⚪ planned (no CRM)
Submission / appel d'offres (dossier d'exposition)Submission Hub#27⚪ not built — board #27 opened 2026-09-30; build not started (the #1 front-door gap)
Underwriting — analyse · rating · capacité · T&Cktayl-underwriting#12🔵 live on dev (intake→appetite→rating→quote→bind)
Pricing (dedicated) + portfolio analyticsPricing & Portfolio#04/#12⚪ planned
Capacité (traité / facultative)Reinsurance & Captive#22⚪ scaffold
Quotektayl-underwriting#12🔵 live on dev
Négociation courtier ↔ assureurBroker portal#13/#15⚪ planned
Binding (→ écrit la police)ktayl-underwriting → PAS#12🔵 live on dev
Police / Policyktayl-policy-service#6🟢 live prod
Facturation de la prime (échéances · IPT · commissions)Insurance Billing#14⚪ planned — ERPNext is general finance, not insurance billing
Vie — avenants / endorsementsktayl-policy-service#6🟡 live prod (depth partial)
Vie — certificatesPolicy / International#6/#23⚪ planned
Vie — Risk Engineering (continu)Risk Engineering#21🟡 scaffold
Vie — sinistres / Claimsktayl-claims (GlobalCore ACL)#11🟢 live prod
Renouvellement annuelUW / Policy renewal#12/#6⚪ planned

Verdict: no single tool spans the lifecycle end-to-end. It is live in the middle — Underwriting (dev) → Policy (prod) → Claims (prod) — while the front door (Submission), the financial tail (insurance Billing, Renewal) and the prevention layer (Risk Engineering, Exposure/CAT/Accumulation) are gaps. The highest-leverage next build is the Submission Hub: it is the entry point of the whole corporate flow and feeds the already-live Underwriting workbench — and it is exactly the "prices-the- exposure" capability (P1/P2). See the roadmap (Stage C).

4. Resilience by design — DORA RTO/RPO tiers (business-capability layer)​

DORA is a transversal layer over every business capability, distinct from Retrieva's third-party-ICT slice. Each capability carries a criticality + RTO/RPO target (in the registry):

TierDomainsRTORPODORA
CriticalPolicy · Claims · Billing/Premium · Cyber/IAM2–4 h5–15 minCIF
HighUnderwriting · Submission · Pricing · Reinsurance · Finance/Actuarial · Data · Compliance · Risk Eng · International · Integration4–8 h15–60 minImportant
MediumDistribution · Documents · Channels · IT Ops · AI8–24 h1–4 hSupporting

These are targets, not yet verified DR capabilities for the unbuilt domains — a capability's DORA row is only "done" once backup + DR are tested (the DoD in the blueprint). Retrieva covers the ICT-third-party obligation; this table covers the business capabilities.

5. The order — problem-prioritised roadmap​

We are past the tech foundation and the AI platform already, so the backlog re-sequences around P1–P4:

  • Stage A — foundation registry (this work): capability registry populated · System of Record · Canonical Data Model · DORA/RTO-RPO per capability. (done)
  • Stage B — unlock P1/P2/P3 analytics: Data Platform (keystone) + MDM (Customer/Entity/Broker).
  • Stage C — operational core + AI showcase (P2 + P4): Submission Hub → Underwriting Workbench + Pricing Engine (UW Copilot lands here).
  • Stage D — the P1/P3 differentiators: Risk Engineering (prevention → P1) + Exposure/Accumulation/CAT (reuse the Retrieva graph → P3).
  • Stage E — the rest of the core + channels: Insurance Billing, International/DIC-DIL, Reinsurance, Actuarial; then Broker + Client portals. (Claims — via the GlobalCore legacy strangler — has since shipped and is LIVE in prod.)

This refines — does not replace — the blueprint's business-tools-first, AI-last build order. The difference is the problem lens: within "business tools first," build the ones that move P1/P2/P3 first (Data + prevention + accumulation), not simply the operational order.

6. Sources​