Coreless Systems of Execution: The Future of Enterprise Agility

For years, enterprises have poured millions into building powerful “core” systems - the central engines that run everything, from customer data to policy management. They were built for reliability, not flexibility. And that worked well, until the world changed faster than those cores could.

According to a 2025 survey, more than 76% of insurers say they’ve integrated generative AI into at least one business function, yet only 7% say they’ve successfully scaled it across the enterprise.

Now, agility has become the new currency of competitiveness. Markets shift overnight. Customers expect personalization by default. Technology reinvents itself every quarter. Yet most enterprises, especially insurers, are still shackled by rigid systems that can’t move fast enough.

That’s the paradox of modern insurance. The industry knows what needs to change but is often held hostage by the very systems that once defined its strength.

This is where the idea of Coreless Systems of Execution (CSoE) comes - not as a buzzword, but as a smarter, more flexible way to run a business built on adaptability.

The Core Problem with Cores

True modernization doesn’t mean starting over. It means reimagining what’s possible.

Neutrinos enables motor and health insurers to accelerate digital transformation with an AI-native intelligent automation platform built specifically for complex insurance ecosystems. Instead of rebuilding from scratch, insurers can deploy low-code, reusable templates to create modern portals, web applications, and mobile experiences, while keeping their existing systems intact.

With Neutrinos, insurers can:

Legacy core systems were built for consistency and compliance, not continuous change. They’re structured, closed, and slow to evolve.

Every time insurers want to add a new digital channel, test a new product, or integrate with an insurtech partner, it means custom code, vendor dependencies, and painful integration cycles.

In short, innovation becomes a marathon when it should be a sprint.

For insurers trying to pivot toward ecosystem-driven, customer-first models, this rigidity is no longer sustainable. They need a way to keep control of their cores without being controlled by them.

Recent research shows up to 70% of insurers’ annual IT budgets are still consumed by maintaining legacy systems, demonstrating how costly status-quo architecture has become. Also, the global insurance IT spending market is projected to reach around USD $975 billion by 2032 , at a CAGR of 10.6%.

Coreless Doesn’t Mean Core-Free

“Coreless” doesn’t mean throwing away the core system. It means decoupling business execution from the core, so insurers can innovate, experiment, and evolve without having to tear down their foundation every time.

Think of it as building modular capabilities - digital blocks that plug into the existing core but can operate independently. Each block handles a specific business function (like claims intake, policy updates, or quote generation), and they all connect through APIs and intelligent orchestration.

That’s the essence of a CSoE - one that lets you run faster, adapt quicker, and scale smarter without waiting on long tech cycles

A study found that modernization of core systems enabled insurers to reduce operational costs by 40-60% within the first year of implementation.

Why This Matters to Insurance

Insurance is a process-heavy industry. Every interaction, from underwriting and onboarding to claims and renewals, runs through a chain of systems, data points, and approvals.

When these systems are rigid, so is the business. But when they’re modular and composable, magic happens:

• New partnerships can go live in weeks.
• New customer journeys can be tested and refined without disrupting production systems.
• AI models can plug in to automate workflows or augment decisions in real time.

This isn’t about replacing the core; it’s about making it invisible, allowing insurers to focus on outcomes, not infrastructure.

According to Bain, insurers that lead in technology adoption can outperform peers by up to 3% points in premium growth and 5 points lower expense ratio.

What Defines a Coreless System

1. Composable Architecture: Every business capability - policy servicing, FNOL, claims triage, etc. becomes a plug-and-play module.
2. Integration by Design: Open APIs and event-driven workflows make collaboration across partners and ecosystems seamless.
3. Intelligent Execution: AI and automation are built into the process layer, driving smarter decisions and reducing manual friction.
4. Business Ownership: Business users can create or change workflows on low-code platforms without depending entirely on IT teams.
5. Unified Experience Layer: Regardless of how many systems sit underneath, the front-end feels cohesive for both employees and customers.

Making Coreless Real

Moving to a coreless model isn’t an overnight overhaul — it’s a strategic evolution. Insurers that succeed usually start small, then scale deliberately.

Here’s how they do it:

• Identify high-impact journeys – Start with one process that causes the most friction (like claims FNOL or endorsements).
• Modularize and connect – Build that process as a modular service connected via APIs.
• Orchestrate intelligently – Layer AI-driven workflows that learn, adapt, and optimize over time.
• Scale across functions – Once proven, replicate the approach across underwriting, distribution, and service operations.

The goal isn’t to replace legacy systems overnight. It’s to make them work smarter together.

In a 2025 global survey by KPMG International, nearly 75% of insurers said they expect to reduce their cost base by at least 10% by 2030, and about 24% plan to allocate more than 30% of their operating expense budget to transformation initiatives.

A Future Built on Fluidity

In the insurance industry’s next chapter, agility will define success more than scale. The companies that win won’t be the ones with the biggest systems, but the ones with the most adaptable ones.

CSoE makes that possible. They transform insurers from process-bound organizations into ecosystem-ready businesses that can launch products, partnerships, and experiences at the speed of customer expectation.

Because in an age where change is constant, being “coreless” isn’t about having less. It’s about being limitless.