At a Glance
Standard Chartered Bank (SCB), in partnership with Allianz, set out to launch three general insurance products, Home, Travel, and Cyber, in Hong Kong within an ambitious six-week timeline.
Beyond speed, the objective was strategic: to evolve SCB’s integration stack into a product-agnostic, channel-agnostic, insurer-agnostic, and country-agnostic middleware, capable of powering any future insurance launch with minimal effort.
With 360-OrchestrationEngine®, the SCB–Allianz collaboration delivered 3 products in 6 weeks, establishing a scalable blueprint for bancassurance innovation across markets.
The Challenge
Fast-track product launch, without reinventing integrations each time
SCB’s traditional insurance setup relied on individual insurer configurations, each requiring lengthy onboarding, rule mapping, and testing cycles. For the Hong Kong rollout, the bank needed to onboard three Allianz products rapidly while maintaining full compliance, encryption, and audit-readiness.
The challenge was clear: How to launch fast, stay compliant, and build once for reusability, instead of repeating insurer-specific configurations for every product and market?
The Solution
A universal middleware and API orchestration layer – built once, used everywhere
360F deployed its 360-OrchestrationEngine®, evolving it into a product, channel, insurer, and country-agnostic middleware.
This unified integration stack allowed SCB and Allianz to configure new products in days, not weeks - directly on the middleware, bypassing traditional insurer configurators.
- Unified API Layer that standardizes all banks interactions quote, validate, issue, and fulfil - through a single, consistent integration framework.
- No-code product configuration used to onboard Cyber product directly on 360F’s middleware allowing SCB & Allianz to launch faster and react quicker to market.
- Dynamic orchestration that supports any product or geography without code changes - removing insurer constraints and enabling rapid rollout, iteration, and market adaptation.
- Real-time logging and monitoring for full audit traceability – making diagnostics a breeze.
- End-to-end mTLS encryption aligned with SCB’s InfoSec and regional compliance.
- Automated regression testing and reusable validation suites.
This architecture now serves as SCB’s core insurance enablement layer, allowing SCB to maintain unified front end source code - irrespective of product, insurer or country while middleware does the heavy lifting.
360F's Approach
Governed collaboration - speed with discipline
The project was jointly governed by SCB’s bancassurance leadership and strongly supported by Allianz, ensuring seamless coordination between product, business, marketing and technical teams.
360F ran a governed agile model with structured weekly checkpoints, transparent release tracking, and compliance validation at every stage.
- Week 1-2: Architecture setup on AWS for 99.95% availability, mTLS setup, Functional API review and alignment.
- Week 3-4: Middleware configuration for Home & Travel products (UAT-ready).
- Week 5: Cyber product setup, performance, and regression testing.
- Week 6: Final validations and production deployment.
360F's Impact
From one-time integrations to an enterprise-grade insurance platform
- 3 Allianz products live in 6 weeks.
- 100% faster time-to-market vs. traditional configuration-based setups.
- Single reusable middleware – product, insurer, and country agnostic.
- Zero rebuilds for new products; setup via configuration only.
- Bank-grade encryption and full audit traceability.
- Scalable architecture ready for regional rollout.
The SCB–360F–Allianz collaboration redefined how bancassurance products are launched from months to weeks, from isolated integrations to a unified, intelligent middleware platform.
