AKI Transforms Kenya’s Insurance Landscape with SwiftAnt Afrisure and Microsoft Azure

The Association of Kenya Insurers (AKI) has redefined what’s possible in the insurance sector by embracing digital transformation through a strategic partnership with SwiftAnt and Microsoft. By leveraging the Afrisure suite built on Microsoft Azure, AKI has empowered its member insurers with a shared, compliant, and scalable IT infrastructure—delivering measurable impact across the industry.

Kenya’s insurance industry had long been burdened by fraud, outdated claims processes, and sluggish product rollouts. With high management costs and low penetration, the lack of a centralized system for purchasing insurance, issuing certificates, or reporting claims created significant inefficiencies. In response, AKI pioneered a digital-first approach that has since become a model for innovation.

At the core of this transformation is Afrisure from SwiftAnt, built on Microsoft Azure. Through this platform, AKI introduced Digitally Managed and Verifiable Insurance Certificates (DMVIC) across motor, life, marine, and professional indemnity lines. This innovation alone has reduced policy administration expenses by 30% and eliminated double issuance. The Bima Yangu platform, powered by AI, has streamlined claims processing and reduced the claims ratio by 20%. Meanwhile, the PataBima marketplace—featuring an AI-powered conversational assistant—has enabled instant quotes and policy issuance, enhancing customer experience and operational agility.

Reflecting on the impact, Tom Gichuhi, Executive Director at AKI, shared:
“Kenya's Motor Insurance industry has transformed, overcoming significant challenges such as fraud and enhancing profitability through digital technologies. Thanks to SwiftAnt’s Afrisure on Microsoft Azure, we've adopted digital solutions like DMVIC, claims automation, and the insurance marketplace, all under a zero-CAPEX model.”

The transformation extended beyond operational efficiency. SwiftAnt’s Zero Code Universal Product Configurator, hosted on Azure, allows insurers to launch new products in just one business day—without writing a single line of code. This has doubled insurers’ agility in responding to market demands and ensured compliance with IFRS17 an international financial reporting standard.

“SwiftAnt's DMVIC on Azure has enabled us to achieve economies of scale within the insurance industry through initiatives like IMIDS, DMVIC, Bima Yangu, and PataBima,” said Brettah Muthuri, ICT Manager at AKI. “We project savings of $5 million over the next five years.”

Afrisure also supports mobile and WhatsApp-based claims reporting, automated fraud detection through DMVIC and NTSA integration, and machine learning-powered form processing. These capabilities have reduced claims management expenses by 40%, while delivering user delight and trust.

Prasanna Miapuram, Founder of SwiftAnt, emphasized the broader technological vision:
“Utilizing Microsoft’s Technology suite, we’ve developed a microservices architecture that integrates Microsoft technologies and leverages AI and ML expertise with Azure's Open AI. Afrisure serves insurance companies, associations, brokerage firms, and reinsurance companies, providing an AI-driven conversational customer experience, product launches in a single day with Zero Code Universal Product Configurator and workflow automations. Nationwide adoption of our solution is a testament to its impact.”

AKI’s journey with SwiftAnt and Microsoft Azure is a powerful example of how digital innovation can solve systemic industry challenges, drive efficiency, and deliver value at scale.