BlueOrchard

Can you get fast-growing insurance players to shift focus from internal ops to customer experience?

CX for Startups
Climate Insurance
Customer Experience
2023

Approach

A two-phase learning & innovation journey with insurance companies across Asia, Africa & Latin America

Phase 1: Research and Synthesis

We kicked off with deep listening and learning. 

  • Our team conducted extensive desk research across Asia, Africa, and Latin America, mapping macro trends in insurance, especially climate-focused products for small farmers, MSMEs, and low-income households.
  • We then conducted 21 in-depth interviews with leaders across BlueOrchard’s portfolio companies. These conversations revealed firsthand the operational, behavioural, and systemic challenges limiting customer-centricity in insurance scale-ups.

Phase 2 - Co-creation Sprint 

We identified 8 critical CX bottlenecks—from low product awareness and trust issues to inconsistent experiences and disconnected product design.

These insights shaped a 3-day co-creation workshop in Istanbul.

The goal: Shift mindset from process to people, and spark tangible, testable innovations.

  • Participants used Design Thinking x Behavioural Science tools to reframe abstract issues into clear, user-focused problem statements—looking at customer education, digital friction, and product irrelevance through a gender and behavioural lens.
  • Ideas came to life through low-fi prototypes, bold storytelling, and roleplay, transforming abstract challenges into tangible solution directions, enriched by cross-regional collaboration and real-time feedback from diverse industry leaders.

Key Strategic Lever

Output

  • Cracked 8 CX barriers—from broken customer journeys to low product trust—holding insurers back across emerging markets.
  • Prototyped 4 bold solutions—including an interactive quote-tracking dashboard to convert agents into repeat partners by solving renewal anxiety, and a community-led mobile app that uses senior women influencers and simulation storytelling to make digital literacy less intimidating for rural users.
  • Equipped 40+ leaders with tools to frame sharper problems and design user-first solutions.

Ignited cross-regional collaboration, turning shared challenges into actionable solution paths through rapid prototyping and co-creation.

A few simple ideas that were borne out of our Behaviour Design Codex

A deeper understanding of the USER
No items found.
To redesign the SYSTEM
No items found.
THE SIMPLE IDEA
A deeper understanding of the USER
No items found.
To redesign the SYSTEM
No items found.
The Simple Idea
A deeper understanding of the USER
No items found.
To redesign the SYSTEM
No items found.
The Simple Idea
No items found.