Case Studies

Case Study 01

Fully-Digital, White Labelled Life Protection Product

Their Challenges

HSBC wanted to launch a fully digital life insurance product with a commercially sensitive underwriting and pricing proposition.

The product needed to meet strict brand, compliance and data security requirements, integrate with leading intermediary platforms, and deliver a seamless digital journey for IFAs and customers.

Speed to market was critical, with the bank requiring delivery from project kick off to live launch in just four months.

Our Solution

OPAL delivered a fully digital, white labelled life protection product on the Pandora platform, from development through to implementation, testing, compliance audit and live launch.

OPAL designed and built a complete digital journey, including quotation, application, administration, claims handling and customer self-service.

A purpose built IFA portal was developed and integrated with market leading intermediary platforms including IRESS, with planned integration to Webline Synaptic and iPipeline.

OPAL adopted a collaborative delivery approach, documenting requirements through workshops and designing secure, scalable integrations and workflows.

Results

• The product launched successfully within four months, including full compliance and data security sign off.
• Pandora delivered sub half second price responses where intermediary platforms required responses within four seconds.
• The solution enabled paper free administration, reduced manual processing and lower operational risk.
• HSBC launched a fully digital life insurance proposition with scalable distribution and a strong customer and adviser experience, supported by OPAL’s platform and delivery expertise.

Case Study 02

Causeway Securities Limited

Their Challenges

Following the successful launch of its Structured Product Portfolio in 2016 via a third party, Causeway Securities demonstrated strong market demand for its investment solutions and established a solid distribution platform.

Building on this momentum, the firm set out to expand its growth strategy by launching structured products under its own name.

The primary challenge was identifying a strategic partner with the appropriate regulatory permissions, operational and modern platform infrastructure, experienced personnel, and a proven track record in managing structured product portfolios.

Securing such a partner was critical to ensuring a smooth and efficient product launch in 2025, while maintaining high standards of governance, risk management, and investor protection.

Our Solution

OPAL provided Causeway Securities with a fully outsourced, end-to-end structured product capability, enabling a seamless launch under its own name in 2025.

Through established regulatory permissions, governance frameworks, and specialist portfolio expertise, OPAL removed the complexity of building in-house infrastructure while ensuring robust risk management and investor protection.

At the core was a digitally enabled platform connecting Causeway, brokers, and clients.

Advisers benefited from streamlined on boarding and reporting tools, clients gained transparent portfolio visibility and lifecycle updates, and Causeway accessed real-time management information and scalable operational support.

The partnership accelerated time to market and created a technology-driven foundation for long-term growth.

Results

• The platform was deployed within three months, with full operational capability established shortly thereafter.
• OPAL enabled Causeway to launch a fully digital structured product proposition under its own brand, supported by robust compliance, governance, and data security frameworks.
• Clients benefit from transparent portfolio access, real-time reporting, and seamless lifecycle communications.
• Brokers gain streamlined on boarding, digital application processing, and efficient servicing tools.
• The solution eliminates paper-based administration, reduces manual intervention, and lowers operational risk.
• Causeway now benefits from a scalable, technology-enabled structured product platform designed to support growth, enhance adviser experience, and deliver improved outcomes for investors.

Case Study 03

Integration Of The Pandora Platform To MyAviva CRM

Their Challenges

As with many established financial services brands, multi-product providers with heritage are often bound to a multitude of legacy systems, developed on platforms that are inflexible.

Aviva sought to establish a unified single customer view, enabling customers to seamlessly update records within the MyAviva CRM.

Amendments needed to automatically synchronise back to the underlying source platform, ensuring data consistency, efficiency and a truly connected customer experience.

Our Solution

Pandora delivers fast, seamless integration with third party applications and platforms, enabling a truly connected ecosystem.

Leveraging a wide range of secure transfer protocols and integration methods, OPAL adapts to each client’s technical landscape rather than forcing change upon it.

Pandora provides the flexibility to support real-time synchronisation for immediate data accuracy or scheduled batch updates for operational efficiency.

Two-way data flows, built-in reconciliation and validation processes run routinely and autonomously.

Results

• Aviva achieved a true single customer view.
• The business benefits from greater data integrity, faster processing times and enhanced regulatory confidence.
• Customers experience a more consistent and seamless interaction.

Digital Transformation Example

Aviva Digital Policy Management

OPAL IS highlights how Pandora supported Aviva’s ambition to set the pace in insurance digital transformation by enabling customers outside the MyAviva portal to access information and complete key policy management processes online.