Utilyx.app — 设计、自动化并 编排 您的业务流程。

Utilyx.app Utilyx.app is an AI-powered BPM platform to design, automate and orchestrate business processes — with a no-code visual designer, conversational AI copilot, intelligent document processing (OCR), dynamic PDF generation, GED archiving and multi-database integration. It is multilingual (Arabic with RTL, French, English, Spanish, German, Russian, Chinese) and built for regulated industries worldwide: banking, insurance, automotive, real estate, distribution, HR and public administration, with compliance for international standards (GDPR, ISO 27001, eIDAS) and regional regulations.

Utilyx.app 将可视化流程设计器与会话式 AI 相结合。绘制您的工作流，生成您的档案，连接您的 API 和数据库，生成您的 PDF —— 所有操作都在一个平台上完成，适配各行各业。

一个平台，六大超能力

Utilyx.app 的每个模块都彼此契合 —— 从设计到执行，直至最终文档。

您自动化的核心

下一代流程设计器。每个节点都可执行，每个分支都可测试。在设计时即可可视化数据的真实流转。

通过对话驱动您的 BPM

我们的 AI 助手将您的意图转化为可执行的流程。只需简单对话，即可提出需求并获得：

OCR 与合规验证

自动化您来文文档的数据录入与管控。Utilyx.app 读取您的发票、订单和合同，提取关键数据，并在集成前验证合规性。

为每种业务提供解决方案

Utilyx.app 通过预配置且完全可定制的流程适配您的领域。

银行与金融

以合规性和可追溯性数字化整个客户旅程。

  • Account opening & regulatory KYC
  • Credit application (mortgage, consumer, SME)
  • Automated credit assessment and approval
  • Customer complaint management
  • AML transaction monitoring & reporting
  • Loan origination & disbursement workflow
  • Card issuance & activation workflow
  • Account closing & compliance check
  • Internal audit & control workflow
  • FATCA/CRS reporting & documentation

保险

从承保到理赔结案，加速每一个环节。

  • Auto / home claims reporting & management
  • Underwriting and contract issuance
  • Reimbursements & certificates management
  • Renewal and cancellation
  • Fraud detection & investigation workflow
  • Policyholder onboarding & digital signature
  • Beneficiary & policy amendment workflow
  • Reinsurance treaty documentation
  • Complaint & mediation file management
  • Agent commission & reconciliation

汽车

经销商、售后与车队：编排您的运营流程。

  • Vehicle order and delivery
  • Workshop / after-sales appointment booking
  • Warranty and recall management
  • Fleet tracking and maintenance
  • Spare parts order & inventory workflow
  • Trade-in valuation & purchase workflow
  • Vehicle registration & document processing
  • Customer satisfaction survey & follow-up
  • Leasing contract & end-of-term inspection
  • Accessory order & installation scheduling

房地产

开发商、中介与物业管理方：简化文档管理。

  • Lease application and file preparation
  • Rental management and invoicing
  • Digital move-in inspection
  • Condominium / syndicate management
  • Property listing & visit scheduling
  • Mortgage file assembly & bank submission
  • Tenant exit & damage assessment
  • Rent review & indexation workflow
  • Building permit & construction tracking
  • Co-ownership vote & general assembly

分销与物流

从采购订单到交付，让您的供应链可靠运行。

  • Purchase order processing
  • Stock management and replenishment
  • Picking and delivery tracking
  • Returns and credit notes management
  • Supplier onboarding & compliance check
  • Warehouse inbound & quality control
  • Cross-docking & transit workflow
  • Customs clearance & import documentation
  • Cold chain temperature log & alert
  • Last-mile delivery proof & POD

人力资源与行政

自动化您的内部和行政流程。

  • Employee onboarding & integration
  • Leave, expense reports, mission orders
  • Appraisals and annual reviews
  • Public procurement & administrative desk
  • Recruitment & candidate tracking
  • Offboarding & knowledge transfer
  • Training request & certification tracking
  • Payroll variable input & validation
  • Internal mobility & job posting
  • Occupational health & safety incident

Healthcare & Medical

Hospitals, clinics and labs: secure patient journeys and medical records.

  • Patient admission & discharge workflow
  • Medical records digitization & archiving
  • Lab sample tracking & result delivery
  • Insurance claim & pre-authorization
  • Appointment scheduling & reminders
  • Medical device maintenance & tracking
  • Prescription & medication workflow
  • Surgical planning & operating room booking
  • Patient consent & GDPR/HIPAA compliance
  • Quality incident & adverse event report

Education & Training

Schools, universities and training centers: automate academic administration.

  • Student enrollment & registration
  • Diploma & certificate issuance
  • Tuition payment tracking & reminders
  • Exam grading & transcript generation
  • Teacher assignment & scheduling
  • Alumni network & document requests
  • Scholarship & financial aid application
  • Internship agreement & convention
  • Course catalog & syllabus approval
  • Student complaint & disciplinary case

Legal & Compliance

Law firms, notaries and compliance teams: manage cases and documents.

  • Case file assembly & management
  • Contract drafting & approval workflow
  • Notarial deed preparation & archiving
  • Litigation tracking & deadline reminders
  • Regulatory compliance audit workflow
  • Power of attorney & mandate management
  • Intellectual property & trademark filing
  • Corporate secretarial & board minutes
  • Due diligence & M&A document room
  • Legal billing & time tracking

Retail & E-commerce

Stores, marketplaces and brands: orchestrate commerce operations.

  • Product catalog & pricing approval
  • Customer return & refund workflow
  • Supplier purchase order & receiving
  • Loyalty program & voucher management
  • Store opening & compliance checklist
  • Marketing campaign approval & tracking
  • Inventory count & stock adjustment
  • Price change & promotion workflow
  • Customer review & feedback management
  • Multi-channel order fulfillment

Construction & BTP

Builders, contractors and engineers: manage worksites and documents.

  • Building permit application & tracking
  • Worksite progress report & validation
  • Subcontractor onboarding & compliance
  • Material order & delivery scheduling
  • Safety inspection & incident report
  • Handover & acceptance protocol (PV)
  • Change order & variation request
  • Invoice validation & payment milestone
  • Equipment rental & return workflow
  • Environmental impact & waste tracking

Telecom & IT Services

Operators, ISPs and IT services: automate provisioning and support.

  • Customer onboarding & line activation
  • Ticket routing & incident management
  • Service request & SLA tracking
  • Contract renewal & churn prevention
  • Field technician dispatch & scheduling
  • Billing dispute & resolution workflow
  • Network incident & outage management
  • Equipment installation & acceptance
  • Number portability & migration workflow
  • SLA credit & compensation calculation

12 个模块，统一体验

只启用您所需的功能。每个模块都与其他模块原生互通。

BPM Designer
可视化流程建模
AI Copilot
基于聊天的生成
UseArchive
归档与索引
UseExplorer
全文检索
UsePDF
动态 PDF 生成
Mail Connect
邮件集成
Office Online
协作编辑
Data Management
关联表与数据库
E-Signatures
电子签名
Mobile App
移动端访问
Monitoring
实时监控
UseShare
外部协作

4 步从想法到自动化

  1. 建模. 可视化绘制您的流程，或向 AI 描述。
  2. 配置. 连接您的数据、表单、API 和业务规则。
  3. 部署. 一键发布。如需要可先进行仿真。
  4. 驾驭. 持续跟踪、归档并优化。

Built for every market

Utilyx.app is available worldwide with localized interfaces in 7 languages (Arabic with RTL, French, English, Spanish, German, Russian, Chinese) and compliance with international and regional standards.

International compliance

Whether you operate in Paris, Dubai, Madrid, Berlin, Shanghai or Casablanca — Utilyx.app speaks your language and complies with your regulations.

Utilyx.app currently targets the following markets: Global / International · France & Francophone Europe · Morocco & MENA (Moyen-Orient et Afrique du Nord) · Spain & Latin America (LATAM) · DACH (Deutschland, Österreich, Schweiz) · Russia & CIS · Greater China & APAC. This page is served for Greater China & APAC (zh).

BPM, GED & Workflow Glossary

Key terms to understand process automation, document management and AI-driven workflows.

BPM (Business Process Management)
A discipline that models, automates, monitors and optimizes business processes end-to-end. Utilyx.app is a BPM platform.
GED (Gestion Électronique des Documents)
Electronic document management — digitize, classify, index, search and archive documents. Utilyx.app includes a native GED module (useArchive).
OCR (Optical Character Recognition)
Technology that extracts text from scanned documents, PDFs or photos. Utilyx.app reads invoices, orders, contracts and IDs automatically.
Workflow
A sequence of automated steps that move data and tasks between people and systems. Utilyx.app designs and executes workflows visually.
No-Code / Low-Code
Approaches that let non-developers build applications and processes via drag-and-drop, without writing code.
SAE (Système d'Archivage Électronique)
Electronic archiving system that guarantees document integrity, legal retention and traceability over time.
AI Copilot
A conversational assistant that generates processes, forms and rules from natural language. Utilyx.app integrates an AI copilot.
Hyperautomation
Combining AI, BPM, RPA and integrations to automate as many processes as possible — a 2026 Gartner trend.
Dematerialization
Replacing paper documents and manual processes with digital workflows. Mandatory for DGI e-declarations in Morocco.
KYC (Know Your Customer)
Regulatory process to verify customer identity — used in banking. Utilyx.app automates KYC workflows.

How Utilyx.app compares to other BPM platforms

Utilyx.app combines features that are usually split across multiple tools.

FeatureUtilyx.appTraditional BPMRPA toolsSimple GED
Visual no-code designer✓Partial✗✗
Conversational AI copilot✓Rare✗✗
OCR & document processing✓Add-onAdd-onPartial
Native GED archiving✓Add-on✗✓
Dynamic PDF generation✓Add-on✗Rare
Multi-database integration✓PartialPartial✗
Trilingual AR · FR · EN (RTL)✓RareRareRare
Moroccan compliance (CNSS/DGI)✓✗✗✗
AI-driven process generation✓✗✗✗

您需要了解的一切

使用 Utilyx.app 需要懂编码吗？

不需要。无代码可视化设计器让您通过拖放即可建模复杂流程。AI 甚至可以根据简单的文字描述生成流程。

该工具适配摩洛哥的环境吗？

是的。Utilyx.app 支持阿拉伯语、法语和英语，并与本地行政流程（CNSS、AMO、DGI）以及投资者单一窗口保持一致。

3 天 Free Tutorial 如何运作？

您将获得一个引导式环境来探索关键功能。无需信用卡。结束后，您可以申请 3 个月的测试访问。

我可以连接现有系统吗？

完全可以。Utilyx.app 拥有原生连接器（REST API、webhooks、SQL/NoSQL 数据库、办公套件）以及自定义集成框架。

我的数据安全吗？

平台包含细粒度权限管理、多次失败尝试后自动锁定、日志记录以及每个操作的完整可追溯性。

覆盖哪些行业？

银行、保险、汽车、房地产、分销与物流、人力资源以及公共行政 —— 均提供可定制的预配置流程。

BPM · Workflow Automation · GED · OCR · AI Copilot · No-Code · Low-Code — France, Europe, MENA, LATAM, DACH, APAC, Worldwide

Utilyx.appUtilyx.app
All articles
insurance 5 min read2026-06-25

Souscription et édition de contrats: Insurance workflow automation with Utilyx

From intake to archiving: automate "Souscription et édition de contrats" with a structured workflow, multi-level validation, automatic PDF and compliant archiving.

›Why "Souscription et édition de contrats" needs a structured workflow

"Souscription et édition de contrats" is a recurring business case in the insurance sector. Without a structured workflow, it runs across email, spreadsheets and scattered documents — generating delays, errors and audit gaps.

Utilyx models this process as an executable workflow, with conditional routing, multi-level validation, automatic PDF generation and legal archiving. Every step is traced, every decision is logged.

›The automated workflow

The process designer models the journey as connected nodes:

  • Intake: the requester submits the required information and documents.
  • Validation: a manager approves or refuses, with data propagated in read-only.
  • Conditional routing: based on type, amount or severity, the flow takes the right branch.
  • PDF generation: a formatted document is produced automatically (usePDF).
  • Archiving: the document is filed in a tamper-evident, searchable archive (useArchive).
  • Notification: the requester and actors receive an email confirmation with a direct link.

›Concrete benefits

Teams that automate "Souscription et édition de contrats" on Utilyx report processing time dropping from days to hours, full traceability of every decision, and zero missing documents — because the workflow blocks submission until required documents are present.

The business vocabulary (claim, policy, underwriting, reimbursement, fraud detection, reinsurance) is built into the workflow, so the AI copilot can propose the right schema directly without the user having to re-explain their business.

›The workflow in real time

Every node is executable, every branch is testable. Visualize the actual flow of your data while you design.

Automated process
Exécution en temps réel
DemandeProspect
QuestionnaireRisque
TarificationAuto
ValidationSouscripteur
Contrat PDFusePDF
ArchivageuseArchive
RemiseAssuré

Frequently asked questions

How long does it take to deploy the "Souscription et édition de contrats" workflow?

A business analyst can model and deploy it in a single session, either manually in the designer or by describing it to the AI copilot.

Can the generated document be legally archived?

Yes. useArchive stores the PDF in a tamper-evident archive with a full-text index, meeting audit and retention requirements.

Ready to automate your processes?

Utilyx lets you design, automate and orchestrate your workflows visually — with an AI copilot, OCR, PDF generation and legal archiving. Start in minutes, not weeks.

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