The insurance industry faces an unprecedented challenge: balancing the need for faster claims processing with increasingly sophisticated fraud schemes that cost the sector over $40 billion annually in the United States alone. Traditional rule-based fraud detection systems struggle to keep pace with evolving fraud tactics, while manual claims processing consumes up to 40% of underwriters’ time on non-core administrative activities.
Enter Shift Technology, the leading AI platform transforming how insurers detect fraud, automate claims processing, and optimize decision-making across the entire policy lifecycle. With more than 2.6 billion policies and claims analyzed, Shift Technology has identified over $5 billion in claims fraud while helping hundreds of insurers worldwide streamline operations and deliver superior customer experiences.
What is Shift Technology?
Shift Technology is a Paris and Boston-based insurtech company that uses artificial intelligence and machine learning to enable insurers to automate and optimize critical decisions with greater speed and accuracy. The company’s AI-powered platform provides comprehensive solutions for fraud detection, claims automation, underwriting risk mitigation, and subrogation recovery.
Unlike traditional insurance technology vendors, Shift Technology maintains the largest data science team in the world focused exclusively on AI’s application in insurance. This deep industry expertise, combined with cutting-edge AI capabilities including generative AI and agentic AI systems, positions Shift as a transformative force in the insurance sector.
The Evolution of AI in Insurance Fraud Detection
Insurance fraud has evolved from simple inflated claims to sophisticated schemes involving AI-generated documents, manipulated images, and complex fraud networks. Fraudsters now use digital tools to create synthetic identities, tamper with invoices, and alter claim documents with unprecedented realism.
Traditional fraud detection relied on rule-based systems where insurers hard-coded software to flag predetermined fraud indicators. This approach had significant limitations:
- Limited adaptability: Rules required manual updates as fraud schemes evolved
- High false positive rates: Rigid criteria flagged legitimate claims for investigation
- Siloed data analysis: Systems couldn’t identify patterns across multiple claims or carriers
- Weeks of manual work: Data labeling and model training consumed extensive resources
Shift Technology’s AI-powered approach transforms this paradigm through machine learning models that continuously learn from new fraud patterns, analyze connections across vast datasets, and provide transparent, explainable results that support investigative teams.
Shift Technology’s Core Products and Solutions
1. Shift Claims Fraud Detection
Shift’s flagship fraud detection solution leverages advanced AI to identify and surface risks earlier in the claims lifecycle, helping prevent fraudulent payouts before they occur. The system delivers:
Key Capabilities:
- Real-time fraud analysis: Proactively analyzes suspicious activities using advanced AI at First Notice of Loss (FNOL) and throughout the claims process
- Network detection: Builds and connects “social networks” of related entities to detect complex fraud rings
- Insurance Data Network (IDN): Uncovers patterns and connections across carriers in real time
- External data enrichment: Integrates geo-location, images, weather databases, and other sources for deeper context
- Transparent scoring: Delivers prioritized, scored claim alerts with detailed rationale and investigative guidance
Proven Results:
- 3x fraud detection hit rate compared to traditional methods
- More than $5 billion in claims fraud identified in 2021 alone
- Reduces number of false positives while increasing detection rates
- Completes in minutes what would take analysts days
Shift Claims Fraud Detection has been recognized with industry awards including Frost & Sullivan’s 2020 Global Claims Solutions for Insurance Market Leadership Award and has been named to multiple InsurTech Top 50 and Top 100 lists.
2. Shift Claims: Agentic AI for Claims Transformation
Launched in September 2025, Shift Claims represents the next evolution in claims automation, powered by agentic artificial intelligence. Unlike traditional AI systems that simply respond to queries, agentic AI exhibits autonomous, task-specific behavior—reasoning, planning, and executing complex workflows with minimal human intervention.
How Agentic AI Transforms Claims:
Shift Claims employs AI agents trained on each insurer’s specific processes to assess, triage, and automate tasks across the claims lifecycle while maintaining human oversight for final decisions. The system transforms four key areas:
- Assess Claims Complexity: Agentic AI reviews all claim documentation to evaluate coverage exclusion, liability, damage, injury, subrogation, and litigation exposure
- Classify, Prioritize, and Assign: AI agents score claims for complexity, urgency, and exposure level, then route them to appropriate handlers or automate processing
- Guide and Assist Claim Handlers: Provides real-time guidance, case context, and automated data surfacing to reduce manual effort
- Automate Tasks and Claims: Handles routine tasks or entire simple claims automatically while insurers retain full control
Early Adopter Results:
- 3% lower claims losses
- 30% faster claims handling
- 60% overall automation rate
- Greater than 99% accuracy in claims assessment
Major insurers including AXA Switzerland and Tokio Marine & Nichido Fire Insurance have adopted Shift Claims to reduce claims leakage, speed resolution, and improve customer satisfaction while lowering handling costs.
3. Document Fraud Detection with Generative AI
One of the most cutting-edge challenges insurers face is the manipulation and generation of fraudulent documents using AI tools. Shift Technology’s document fraud detection combines generative AI with insurance expertise to identify generated, manipulated, or re-used images and documents.
Advanced Capabilities:
- Classifies dozens of document types across 7+ languages
- Extracts relevant data from photos, reports, invoices, personal identification, and handwritten documents
- Detects signs of Photoshop or AI generation
- Identifies mathematical inconsistencies and manual alterations
- Combines document analysis with insurer and third-party data for comprehensive fraud analysis
Impact: Insurers using Shift’s document fraud detection stop twice as much fraud compared to analyzing documents in isolation, according to company data.
4. Subrogation Recovery and Underwriting Risk Solutions
Beyond fraud detection and claims automation, Shift Technology offers:
- Subrogation solutions: Accurately estimate liability and avoid missed recovery opportunities using generative AI
- Underwriting risk mitigation: Analyze risk across the policy lifecycle to optimize underwriting decisions
- AML, KYC, and compliance support: Support anti-money laundering, know-your-customer, and regulatory compliance requirements with AI assistance
The Technology Behind Shift: Azure OpenAI Integration
Shift Technology’s partnership with Microsoft Azure represents a strategic advantage in scaling AI capabilities while maintaining strict security and compliance standards required by insurance clients.
Azure OpenAI Service Implementation
Shift leverages Azure OpenAI Service and Azure AI infrastructure to enhance its generative AI capabilities and accelerate innovation:
Technical Architecture:
- Azure AI Vision and Document Intelligence: Simplifies document classification and information extraction using machine learning-based OCR
- Azure OpenAI Service: Enables rapid movement from research to proof of concept to production
- Prompt engineering library: Builds reusable prompts for consistent, high-quality outputs
- Regional deployment: Runs AI models natively in specific Azure regions to meet data residency and compliance requirements
Business Impact: This integration has reduced weeks of data labeling and model training work to just days, allowing Shift’s data scientists to focus on prompt engineering and continuous improvement rather than infrastructure management.
The Azure partnership enables Shift to analyze mass amounts of unstructured documents in varying formats, languages, and structures—processing the 2.6+ billion policies and claims that form the foundation of Shift’s fraud detection capabilities.
Shift Technology vs. Competitors: Market Positioning
The AI-powered insurance fraud detection market is projected to grow from $4 billion in 2023 to $32 billion by 2032—an eight-fold increase driven by digital transformation, regulatory pressure, and the need for more sophisticated fraud prevention.
Competitive Landscape
While numerous vendors offer fraud detection and claims automation solutions, Shift Technology distinguishes itself through:
1. Insurance-Specific Focus Unlike general fraud detection platforms, Shift’s products, people, and processes are purpose-built for insurance. The company maintains the world’s largest data science team focused solely on insurance AI applications.
2. Transparent, Explainable AI Shift’s solutions don’t simply deliver answers—they explain the “why” behind every decision. This transparency is critical for investigative teams, compliance requirements, and building trust with claim handlers.
3. Comprehensive Platform Approach Rather than point solutions, Shift offers an integrated platform addressing fraud detection, claims automation, underwriting, subrogation, and compliance across all lines of business.
4. Proven Scale and Results With 2.6+ billion policies and claims analyzed and $5 billion in fraud identified, Shift demonstrates results at massive scale with leading global insurers.
5. Seamless Integration Shift integrates with major insurance platforms including Guidewire ClaimCenter, Duck Creek, and legacy systems, enabling deployment without wholesale system replacement.
Key Competitors
Other notable players in the insurance AI space include:
- SAS Fraud Detection: Strong analytics foundation with embedded AI and machine learning, recognized by Forrester and Celent
- ForMotiv: Focuses on predictive behavioral analytics to detect fraud during application and claims submission
- Inaza: Specializes in document and image fraud detection using computer vision
- Traditional vendors: Kofax, Ping An Insurance, and established insurers building proprietary solutions
However, Deloitte research indicates that AI-driven technologies across the claims lifecycle could save P&C insurers between $80 billion and $160 billion by 2032, suggesting massive growth opportunity for all players in this expanding market.
Real-World Implementation: Case Studies and Results
Guidewire Integration Success
Shift’s Accelerator for Fraud Detection integrates seamlessly into Guidewire ClaimCenter workflows, empowering claims professionals to uncover more fraud without leaving the Guidewire ecosystem. The integration features:
- Near real-time detection and batch-based integration
- Transparent findings with detailed rationale within ClaimCenter
- Assistance in identifying complex fraud networks
- Streamlined workflow keeping claims professionals informed of status at all times
This integration enables insurers to accelerate digital transformation through both policy and claims fraud detection while maintaining existing operational workflows.
Insurance Association Partnerships
Shift partners with leading insurance associations globally to deliver AI-powered fraud detection solutions that enable member insurers to make better decisions in the fight against fraud. These partnerships leverage the Insurance Data Network to share fraud intelligence across carriers while protecting competitive information.
Customer Testimonials
Mitsui Sumitomo (P&C Claims Manager Michihiro Maruyama):
“The use of AI and machine learning enables us to detect fraud techniques which we have not even noticed before, and we have significant expectations for enhancing the value of our big data related to claims.”
AXA Switzerland (COO and Head of Customer Operations, Markus Keller):
“We are looking for an AI-powered solution to support our claims transformation and to increase automation while ensuring that claims professionals, when human intervention is required, have all the information available for optimal decision making. The Shift approach to agentic AI gives us confidence that best actions are enabled and taken as claims moves through the process, resulting in enhanced efficiency and excellent customer experience.”
Anonymous insurer feedback:
“Shift does in a matter of minutes what would take days for a team of analysts to complete, and Shift does it with incredible accuracy.”
“Using Shift Claims Fraud Detection we are able to identify suspicious activities in real time, at FNOL and throughout the claims process.”
“[Shift] improves our ability to detect fraud by reducing the number of false positives and provides our claims handlers with the right tools for investigations.”
The Future of Insurance: Agentic AI and Beyond
Shift Technology’s roadmap includes continued expansion of agentic AI capabilities, with particular interest in multi-agent systems that can handle increasingly complex insurance workflows autonomously.
Industry Trends Driving Adoption
1. Regulatory Pressure Organizations like the National Association of Insurance Commissioners are pushing insurers to implement more effective and advanced fraud detection systems, creating compliance-driven demand.
2. Rising Fraud Sophistication As fraudsters leverage AI tools to create more convincing synthetic identities and manipulated documents, insurers must deploy equally sophisticated AI defenses.
3. Customer Experience Expectations Modern consumers expect instant claim approvals and seamless digital experiences. Manual processing that takes days or weeks no longer meets market expectations.
4. Operational Cost Pressure According to NAIC reports, over 25% of premiums are consumed by operating expenses, with claims processing as a major contributor. AI automation offers significant cost reduction opportunities.
5. Climate Change Impact Increasing frequency and intensity of natural catastrophes drives claim volume spikes. Agentic AI enables insurers to process simple claims automatically during high-stress periods, freeing human adjusters for complex cases.
Shift’s Innovation Roadmap
The company is actively exploring:
- GitHub Copilot integration: To augment developer productivity and code quality
- Expanded agentic systems: Multi-agent frameworks for end-to-end policy and claims lifecycle automation
- Enhanced generative AI: Continued advancement in document processing, fraud detection, and decision support
- Broader platform capabilities: New solutions addressing emerging insurer needs across the value chain
Why Insurers Choose Shift Technology
Based on customer feedback and market analysis, insurers select Shift Technology for several key reasons:
1. Rapid Deployment
Shift’s platform uses historical data in any format, enabling faster time-to-value compared to solutions requiring extensive data preparation or system overhauls.
2. Greater-Than-Human Accuracy
AI models deliver more consistent, accurate results than manual processes while eliminating human fatigue and bias factors.
3. Transparent Decision-Making
Every alert, score, and recommendation includes detailed explanation of the underlying reasoning, enabling investigators to understand and act on AI insights confidently.
4. Continuous Learning
Unlike static rule-based systems, Shift’s AI models continuously improve as they process more data and encounter new fraud patterns.
5. Dedicated Insurance Expertise
Shift’s focus on insurance means product development, data science, and customer support all understand the unique complexities of insurance operations.
6. Proven ROI
With documented results including $5 billion in fraud detected and significant improvements in processing speed and accuracy, Shift delivers measurable business impact.
Implementation Considerations
Organizations evaluating Shift Technology should consider:
Data Readiness
While Shift can work with historical data in various formats, insurers with well-structured, quality data will realize faster time-to-value and more accurate initial results.
Change Management
Implementing AI-powered fraud detection and claims automation requires cultural change. Claims adjusters and SIU investigators must learn to work alongside AI systems rather than replacing them entirely.
Integration Planning
Successful deployments involve careful integration with existing claims management systems, policy administration platforms, and data warehouses.
Governance Framework
Insurers should establish clear governance around AI decision-making, including rules for when human review is required and how AI recommendations are validated.
Compliance Alignment
Solutions must align with regulatory requirements in each jurisdiction, including data residency rules, model explainability standards, and fairness requirements.
The Broader Context: AI Transformation in Insurance
Shift Technology operates within a broader industry transformation where AI is reshaping every aspect of insurance operations:
Current State of AI Adoption
According to recent surveys, 35% of insurance executives chose fraud detection as one of the top five areas for developing or implementing generative AI applications over the next 12 months. Beyond fraud detection, insurers are deploying AI for:
- Sales productivity and hyperpersonalization: AI-powered producer agents that automate marketing campaigns, lead qualification, and customer outreach
- Underwriting automation: AI agents that assess risk profiles using real-time data from wearables, connected vehicles, and home sensors
- Customer service: Voice agents and chatbots that handle routine inquiries and guide customers through complex processes
- Back-office transformation: Finance, actuarial, and IT functions leveraging AI for efficiency gains
The Three Layers of Insurance AI
Industry experts describe three evolutionary layers of AI in insurance:
- Predictive AI: Uses historical data to forecast future events, like flagging potentially complex claims or estimating settlement ranges
- Generative AI: Creates new content including claim summaries, policyholder communications, and assessment reports
- Agentic AI: Takes autonomous action, handling entire workflows from intake through resolution with minimal human intervention
Shift Technology operates across all three layers, with particular strength in agentic AI—the cutting edge of insurance technology.
Cost-Benefit Analysis: The Economic Case for AI Fraud Detection
The financial case for AI-powered fraud detection and claims automation is compelling:
Cost of Fraud
- $40+ billion annually: FBI estimate of insurance fraud costs in the U.S. (excluding health insurance)
- 10% or more of total claims costs: Coalition Against Insurance Fraud estimate of fraud’s impact
- $29 billion annually: Premium leakage in auto insurance alone
- Billions in investigation costs: Legal proceedings, manual reviews, and administrative overhead
Potential Savings
- $80-160 billion by 2032: Deloitte’s projection for P&C insurer savings through AI-driven fraud detection technologies
- 20% cost reduction: Typical claims processing cost savings from AI implementation
- 50% faster processing: Speed improvements from AI automation
- 30% time savings: Reduction in non-core administrative activities for adjusters
Return on Investment
Insurers implementing Shift Technology report:
- Significant reduction in false positives, focusing investigative resources on genuine fraud
- Faster claim closure for legitimate claims, improving customer satisfaction
- Detection of previously unnoticed fraud patterns, increasing total fraud detection
- Lower operational costs through automation of routine tasks
Privacy, Security, and Ethical Considerations
As AI systems process sensitive policyholder data and make consequential decisions about claims and fraud, Shift Technology addresses critical concerns:
Data Security
- Regional data hosting: Client data remains within required geographic regions to meet compliance requirements
- Azure infrastructure: Leverages Microsoft’s enterprise-grade security and compliance certifications
- Controlled data flows: Maintains clear understanding of where data resides and how it’s used
Model Transparency
- Explainable AI: Every decision includes detailed rationale that investigators can review
- Audit trails: Complete documentation of how conclusions were reached
- Human oversight: Final decisions remain with licensed professionals, particularly for claim payouts
Bias and Fairness
- Continuous monitoring: Systems track for potential bias in fraud detection and claims processing
- Regular recalibration: Models are updated to ensure fair treatment across customer segments
- Regulatory alignment: Solutions designed to meet fairness requirements in each jurisdiction
Responsible AI Principles
Shift’s partnership with Microsoft Azure emphasizes responsible AI principles including:
- Transparency in AI decision-making
- Accountability for AI outputs
- Fairness and non-discrimination
- Reliability and safety
- Privacy and security
How to Get Started with Shift Technology
Organizations interested in Shift Technology typically follow this evaluation and implementation path:
1. Initial Assessment
Understand current fraud detection capabilities, claims processing efficiency, and data readiness. Identify specific pain points and success metrics.
2. Pilot Program
Deploy Shift solutions in a limited scope—often a specific line of business or geographic region—to validate results and refine approach.
3. Integration Planning
Work with Shift’s implementation team to integrate with existing systems including Guidewire, Duck Creek, or proprietary platforms.
4. Team Training
Educate SIU investigators, claims adjusters, and data analysts on working with AI-powered tools and interpreting AI recommendations.
5. Scaled Deployment
Expand successful pilot implementations across additional lines of business, regions, and use cases.
6. Continuous Optimization
Leverage Shift’s data science expertise to continuously improve model performance and expand AI capabilities.
FAQS
What is Shift Technology?
Shift Technology is the leading AI platform for insurance, providing solutions for fraud detection, claims automation, underwriting risk mitigation, and subrogation recovery. The company uses advanced AI including generative and agentic systems to help insurers make faster, more accurate decisions.
How does Shift Technology detect insurance fraud?
Shift uses machine learning models to analyze patterns in claims data, identify suspicious networks of related entities, and flag potentially fraudulent claims in real-time. The system combines internal insurer data with external sources including geo-location, weather, and industry databases to provide comprehensive fraud analysis with transparent reasoning.
What is agentic AI in insurance?
Agentic AI refers to autonomous AI systems that can independently plan, decide, and execute multi-step workflows rather than just answering questions. In insurance, agentic AI can assess claims complexity, classify and prioritize cases, guide claim handlers, and automate routine tasks with minimal human intervention.
How much fraud has Shift Technology detected?
Shift Technology has helped insurers identify more than $5 billion in claims fraud in 2021 alone, based on company-reported data. The platform has analyzed more than 2.6 billion policies and claims worldwide.
Does Shift Technology integrate with existing insurance systems?
Yes, Shift integrates with major platforms including Guidewire ClaimCenter and Duck Creek, as well as legacy systems. This enables deployment without requiring wholesale replacement of existing infrastructure.
What results can insurers expect from Shift Claims?
Early adopters report 3% lower claims losses, 30% faster claims handling, 60% overall automation rate, and greater than 99% accuracy in claims assessment, according to Shift Technology data.
Is AI making final decisions on insurance claims?
No. Shift Technology employs a human-in-the-loop approach where AI speeds up analysis and provides recommendations, but licensed insurance professionals make final decisions, particularly on claim payouts. This ensures both efficiency and appropriate oversight.
How does Shift handle data privacy and security?
Shift hosts client data within required geographic regions to meet compliance requirements, leverages Microsoft Azure’s enterprise-grade security, and maintains clear data governance including detailed tracking of where data resides and how it’s used.
Conclusion: Shift Technology’s Role in Insurance’s AI Future
The insurance industry stands at an inflection point. Fraudsters armed with AI tools create increasingly sophisticated schemes, while customers demand faster, more seamless claims experiences. Traditional approaches cannot meet both challenges simultaneously.
Shift Technology provides the AI-powered platform insurers need to detect fraud with unprecedented accuracy while automating claims processing to deliver superior customer experiences. With proven results including more than $5 billion in fraud detected and adoption by leading global insurers, Shift demonstrates that AI can transform insurance operations at scale.
The company’s evolution from fraud detection pioneer to comprehensive AI platform—including cutting-edge agentic AI capabilities—positions Shift Technology to lead the insurance industry’s digital transformation. As AI continues to advance with multi-agent systems, enhanced generative capabilities, and deeper integration across the policy lifecycle, Shift’s insurance-specific focus and world-class data science team provide sustainable competitive advantages.
For insurers seeking to combat fraud, reduce operational costs, improve customer satisfaction, and prepare for an AI-driven future, Shift Technology represents a proven partner with the technology, expertise, and track record to deliver measurable results.
The question is no longer whether AI will transform insurance, but how quickly insurers can adopt these capabilities to remain competitive. Shift Technology provides a clear path forward—one that leading insurers worldwide are already following with compelling results.
Adrian Cole is a technology researcher and AI content specialist with more than seven years of experience studying automation, machine learning models, and digital innovation. He has worked with multiple tech startups as a consultant, helping them adopt smarter tools and build data-driven systems. Adrian writes simple, clear, and practical explanations of complex tech topics so readers can easily understand the future of AI.
