Azure Multi-Tier Data Warehouse for Payment Orchestration Platform

Case Study

Architecting an Azure-Based Multi-Tier Data Warehouse for Payment Orchestration Platform

When an InsurTech platform begins processing over a million premium transactions each month, visibility becomes mission-critical. This case study explores how we architected an Azure-based multi-tier data warehouse that brought unified cashflow transparency, automated orchestration intelligence, and a compliance-ready data foundation to a high-volume insurance ecosystem.

At a Glance

According to McKinsey’s Insurance 2030 report, the insurance financial services sector is undergoing a structural shift in data modernization, as premium collection operations are fully digitized and transaction volumes scale to hundreds of thousands per month.

Our client, an InsurTech leader, has an insurance premium orchestration platform that processes over a million transactions monthly, manages millions of USD in annualized premium collections, and supports financing across hundreds of broker and insurer relationships.

This scale demands a fundamental shift away from legacy data infrastructure toward an analytics-first data ecosystem. A governed data architecture is essential for managing high-volume transactional workloads and enabling operational intelligence.

Key Highlights

Automated Payment Orchestration Engine

High-Volume Transaction Processing & DataOps

Unified Azure SQL Data Warehouse & Marts

Premium Cashflow Visibility Dashboards

ML Ready Foundation with AI First Approach

Data Governance with Quality Metrics Monitoring

Challenges

Limited enterprise-wide visibility into premium cashflows.
Legacy data architecture not aligned with operational needs.
Growing data volumes within the operational system.
Inability to derive a centralized financial view across collections.
Dependency on the IT team for generating business reports.

About Client

The client is an InsurTech platform enabling premium orchestration, reconciliations, and distribution across a multi-stakeholder ecosystem.

InsurTech

Industry

Insurance

Domain

USA

Location

Explore Our Insurance Software Development Services

How we helped?

We implemented a structured Data Transformation Strategy to modernize the client’s legacy data foundation into an enterprise-grade data intelligence solution. This transformation streamlined complex premium collection flows by enabling unified operational visibility, empowering leadership and brokers to monitor cashflows, detect reconciliation gaps, and drive data-backed decisions at scale.

Full Cashflow

Transparency Across Billion+ Premium Volume

15,000+

Daily Insurance Transactions

ISO | GDPR | SOC 2

Compliance Standards

The Solution

We led a structured Data Engineering Consulting & Discovery engagement to define a modernization blueprint to implement a scalable enterprise data architecture using the Medallion (Lakehouse) pattern, structured across Raw, Curated, Transformed, and Metadata layers.

At the core of the platform, it has a centralized Premium Payment Orchestration Engine that manages the end-to-end insurance premium collection lifecycle.

Premium Collection Payment Orchestration Ecosystem:

• Premium Capture: Executes scheduled monthly premium collections from policyholders.

• Allocation Logic: Applies predefined percentage rules for brokers, insurers, agents, and UMAs.

• Commission Calculation: Computes broker and intermediary earnings based on configured structures.

• Fund Splitting: Distributes collected premiums into respective stakeholder accounts.

• Operational Visibility: Provides real-time status of collections, allocations, and disbursements.

Sustainable AI begins with transforming fragmented data ecosystems into structured, well-architected foundations supported by disciplined governance, rich analytics, and scalable warehousing strategies.

Only when institutions mature their data architecture can they unlock meaningful intelligence and build AI systems capable of driving resilient growth and future-ready innovation.

Key User Personas:

• Policyholders: Make scheduled premium payments.

• Brokers: Acquire customers, manage relationships, and monitor commission earnings.

• Insurers: Receive net premiums and require accurate operational reporting.

• UMAs: Receive underwriting or administrative fee allocations.

Data Management & Intelligence Layer: Core Components

Data Management & Intelligence Layer

• Azure SQL Server (OLTP Layer): Serves as the primary source of data for Azure Data Factory, ensuring data availability for further ETL workflows.

• Azure Data Factory (ETL Layer): Orchestrates automated pipelines to transform data into RAW, CURATED, and TRANSFORMED layers.

• Azure SQL Database (Data Warehouse): Centralizes structured data into domain-specific marts for targeted analytics.

• Power BI (Analytics Layer): Delivers role-based dashboards with real-time insights and KPIs.

• Microsoft Purview & Azure AD (Governance): Tracks end-to-end data lineage for audit compliance, catalogues critical datasets.

• Azure Monitor (Operations): Monitors system health, triggering alerts for ETL failures or performance anomalies.

Payment Orchestration Platform Core KPIs