AI vs BPO
Your BPO delivers tomorrow.
AI delivers now.
An honest comparison of offshore data entry services and AI-powered extraction for insurance operations.
The honest comparison
| Dimension | Offshore BPO | AI (Oyyo) |
|---|---|---|
| Speed | 12-24 hours | 12 seconds |
| Accuracy | 92-95% (5-8% error rate) | 94% with confidence scores |
| Cost per submission | $8-15 | From $10 (all-in) |
| Audit trail | None — you get data, not proof | Full — every value cited to source |
| Data security | Data processed offshore | Data stays in your environment |
| Scaling | 2-4 weeks to hire and train | Instant — same speed at any volume |
| Error correction | Send back, wait again | Correct in-line, AI learns immediately |
| Quality visibility | Spot-check samples | Confidence scores on every field |
The real cost isn't the invoice
BPO costs look reasonable on paper. But the total cost includes everything that happens because of the BPO's limitations.
BPO: Total cost at 250 submissions/month
Plus: the premium you lose because you quoted a day late. That's the cost nobody tracks.
Oyyo: Total cost at 250 submissions/month
Plus: faster quoting wins more binds. That's revenue, not just savings.
Being honest
When a BPO still makes sense
AI doesn't replace every function a BPO performs. There are situations where human judgment is genuinely required — and pretending otherwise would be dishonest.
Complex claims adjudication
Evaluating coverage disputes, interpreting ambiguous policy language, and making judgment calls on complex claims — these require experienced insurance professionals, not extraction AI.
Non-standard document formats
Hand-drawn diagrams, legacy microfilm scans, documents in languages the AI doesn't support — edge cases where a human eye is still the most reliable tool.
Regulatory correspondence
Responding to department of insurance inquiries, preparing regulatory filings, and handling compliance matters that require domain expertise and careful judgment.
For standard submission processing — reading ACORDs, extracting loss runs, parsing SOVs, structuring application data — AI is faster, cheaper, more accurate, and fully auditable. That's the 80% of BPO work that doesn't require human judgment.
The practical path
You don't have to switch overnight.
Run both in parallel. Route 50 submissions through AI, 50 through your BPO. Compare the output side by side — speed, accuracy, completeness, cost. Let the data make the decision.
Most teams that run this comparison shift 100% of standard extraction to AI within 30 days. Not because we told them to — because the difference was obvious.
Your BPO contract doesn't have to end. You can redirect your BPO team to higher-value work — the complex claims, the regulatory matters, the edge cases that genuinely require human expertise. They stop being data entry operators and start being insurance professionals.
Run the comparison yourself.
Bring a submission your BPO processed. We'll run it through AI on the call. Compare the output.
We build your first app on the call
We build your clearance app — live
Tell us your product line. We build a working submission intake and clearance app in front of you. No coding. Takes about 2 minutes.
Process your real submission
Bring an ACORD, SOV, or loss run. We drop it in. Watch 190+ fields get extracted with confidence scores in seconds.
Your rater, live
Bring your Excel rater — we turn it into a live AI rater. Or we build a new one from your guidelines on the spot.
Walk out with a working app
Not a demo. Not a slideshow. You leave with a real workspace your team can start using. No technical knowledge needed.
Andriy, Founder
No slides. No pitch deck. Straight to your data.