AI agent system cuts document processing from 15 to 2 mins at Direct Pojistovna
Direct Pojistovna, a fast-growing Czech insurer, wanted to radically accelerate and simplify claims settlement. The company faced a flood of client documents in multiple formats, from handwritten claims and invoices to photos of damage. Processing these manually was time-consuming and required specialist knowledge. To solve this, Direct Pojistovna partnered with BigHub to build an advanced agent-based system that automates document handling, evaluates claims, and enables instant payouts in straightforward cases.
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"Customer feedback on the automated claims processing has been very positive. The significant acceleration of case resolution, simplified communication, and the system’s ability to decide on payouts within minutes all improve the overall customer experience."
Key Pain Points
- Claims handlers had to process a wide range of unstructured documents (handwritten reports, PDFs without data layers, photos, invoices, powers of attorney).
- Each case took on average 15 minutes of manual work, even for routine payouts.
- Lack of structured information made it hard to detect errors (wrong account numbers, incomplete documentation, suspicious invoice items).
- No automated system existed that could prepare a complete claim summary and support quick payout decisions.
- Processing speed was limited to working hours, leaving clients waiting.
BigHub’s Solution
BigHub helped designing and delivering a modular agent-based system capable of automating claims document processing. The solution combined a pragmatic iterative development model with modern AI tools:
- Hybrid approach: A rule engine enforced business rules (e.g., “if bank account is missing, block payout”), combined with AI for attribute extraction and decision-making.
- Document Intelligence: Azure Document Intelligence extracted data from invoices, claims forms, and handwritten notes.
- Agent orchestration: LangChain and LangGraph in Python managed multiple specialized agents working together.
- Event-driven architecture: Kafka processed commands and events across the layered system.
- Cursor IDE integration: Deep use of LLMs inside the development environment enabled rapid iteration and business involvement.
A unique aspect of the project was the close collaboration between BigHub and Direct’s business team. Business owner Jakub Lada was actively involved in designing agents and workflows. With LLM-supported “vibe coding,” he was able to co-create logic directly in the system, gradually evolving into a business coder role. This eliminated bottlenecks and shortened the cycle from requirement to implementation.
Results
Operational efficiency
- Claims processing reduced from 15 minutes of manual work to 2 minutes after the last document is submitted.
- Fully automated processing possible in straightforward cases, without claims handler intervention.
- The system operates 24/7, unlike human claims staff limited by working hours.
- Routine cases (e.g., only missing bank account details) can now be easily flagged and prepared for quick resolution.
Accuracy and reliability
- Nearly 100% precision in invoice reading and validation.
- High success rate in evaluating claim completeness and detecting potential problems.
- Clear summaries provided to claims handlers, reducing dependence on expert knowledge.
Customer impact
- Clients with uncomplicated claims can receive payouts within minutes, improving satisfaction.
- Faster, simpler communication in the claims process has been highlighted positively by customers.
Organizational impact
- Created a new internal competency: a business coder team, led by Jakub Lada, bridging business knowledge with agile AI development.
- Shifted development practices by adopting Cursor IDE as a standard environment for LLM-powered projects.
- Freed claims handlers to focus on complex cases rather than routine paperwork.
Next Steps
- Extending the agent system to other insurance product lines with similar document-heavy processes.
- Rolling out new agents to handle additional decision rules and workflows.
- Scaling the business coder approach so more non-developers in Direct can directly design and test AI agents.
- Continuing to build Direct’s internal know-how in agent-based automation with Cursor IDE as a core tool.
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Why MCP might be the HTTP of the AI-first era
What Is MCP – and Why Should You Care?
Model Context Protocol may sound like something out of an academic paper or internal Big Tech documentation. But in reality, it’s a standard that enables different AI systems to seamlessly communicate—not just with each other, but also with APIs, business tools, and humans.
Today’s AI tools—whether chatbots, voice assistants, or automation bots—are typically limited to narrow tasks and single systems. MCP changes that. It allows intelligent systems to:
- Check your e-commerce order status
- Review your insurance contract
- Reschedule your doctor’s appointment
- Arrange delivery and payment
All without switching apps or platforms. And more importantly: without every company needing to build its own AI assistant. All it takes is making services and processes “MCP-accessible.”
From AI as a Tool to AI as an Interface
Until now, AI in business has mostly served as a support tool for employees—helping with search, data analysis, or faster decision-making. But MCP unlocks a new paradigm:
Instead of building AI tools for internal use, companies will expose their services to be used by external AI systems—especially those owned by customers themselves.
That means the customer is no longer forced to use the company’s interface. They can interact with your services through their own AI assistant, tailored to their preferences and context. It’s a fundamental shift. Just as the web changed how we accessed information, and mobile apps changed how we shop or travel, MCP and intelligent interfaces will redefine how people interact with companies.
The AI-First Era Is Already Here
It wasn’t long ago that people began every query with Google. Today, more and more users turn first to ChatGPT, Perplexity, or their own digital assistant. That shift is real: AI is becoming the entry point to the digital world.
“Web-first” and “mobile-first” are no longer enough. We’re entering an AI-first era—where intelligent interfaces will be the first layer that handles requests, questions, and decisions. Companies must be ready for that.
What This Means for Companies
1. No More Need to Build Your Own Chatbot
Companies spend significant resources building custom chatbots, voice systems, and interfaces. These tools are expensive to maintain and hard to scale.
With MCP, the user shows up with their own AI system and expects only one thing: structured access to your services and information. No need to worry about UX, training models, or customer flows—just expose what you do best.
2. Traditional Call Centers Become Obsolete
Instead of calling your support line, a customer can query their AI assistant, which connects directly to your systems, gathers answers, or executes tasks.
No queues. No wait times. No pressure on your staffing model. Operations move into a seamless, automated ecosystem.
3. New Business Models and Brand Trust
Because users will bring their own trusted digital interface, companies no longer carry the burden of poor chatbot experiences. And thanks to MCP’s built-in structure for access control and transparency, businesses can decide who sees what, when, and how—while building trust and reducing risks.
What This Means for Everyday Users
- One interface for everything
- No more juggling dozens of logins, websites, or apps. One assistant does it all.
- True autonomy
- Your digital assistant can order products, compare options, request refunds, or manage appointments—no manual effort required.
- Smarter, faster decisions
- The system knows your preferences, history, and goals—and makes intelligent recommendations tailored to you.
Practical example:
You ask your AI to generate a recipe, check your pantry, compare prices across online grocers, pick the cheapest options, and schedule delivery—all in one go, no clicking required.
The Underrated Challenge: Data
For this to work, users will need to give their AI systems access to personal data. And companies will need to open up parts of their systems to the outside world. That’s where trust, governance, and security become mission-critical. MCP provides a standardized framework for managing access, ensuring safety, and scaling cooperation between systems—without replicating sensitive data or creating silos.

AI Agents: What They Are and What They Mean for Your Business
🧠 What Are AI Agents?
An AI agent is a digital assistant capable of independently executing complex tasks based on a specific goal. It’s more than just a chatbot answering questions. Modern AI agents can:
- Plan multiple steps ahead
- Call APIs, work with data, create content, or search for information
- Adapt their behavior based on context, user, or business goals
- Work asynchronously and handle multiple tasks simultaneously
In short, an AI agent functions like a virtual employee — handling tasks dynamically, like a human, but faster, cheaper, and 24/7.
Why Are AI Agents Trending Right Now?
- Advancements in large language models (LLMs) like GPT-4, Claude, and Mistral allow agents to better understand and generate natural language.
- Automation is becoming goal-driven — instead of saying “write a script,” you can say “find the best candidates for this job.”
- Companies want to scale without increasing costs — AI agents can handle both routine and analytical tasks.
- Productivity and personalization are top priorities — AI agents enable both in real time.
What Do AI Agents Bring to Businesses?
✅ 1. Save Time and Costs
Unlike traditional automation focused on isolated tasks, AI agents can manage entire workflows. In e-commerce, for example, they can:
- Help choose the right product
- Recommend accessories
- Add items to the cart
- Handle complaints or returns
✅ 2. Boost Conversions and Loyalty
AI agents personalize conversations, learn from interactions, and respond more precisely to customer needs.
✅ 3. Team Relief and Scalability
Instead of manually handling inquiries or data, the agent works nonstop — error-free and without the need to hire more people.
✅ 4. Smarter Decision-Making
Internal agents can assist with competitive analysis, report generation, content creation, or demand forecasting.
AI Agents in Practice
AI Agent vs. Traditional Chatbot: What's the Difference?
What Does This Mean for Your Business?
Companies that implement AI agents today gain an edge — not just in efficiency, but in customer experience. In a world where “fast replies” are no longer enough, AI agents bring context, intelligence, and action — exactly what the modern customer expects.
What’s Next?
AI agents are quickly evolving from assistants to full digital colleagues. Soon, it won’t be unusual to have an “AI teammate” handling tasks, collaborating with your team, and helping your business grow.

GenAI Is Not the Only Type of AI: What Every Business Leader Should Know
🧠 What Is Generative AI (GenAI)?
Generative AI focuses on creating content — text, images, video, or code — by using large language models (LLMs) trained on huge datasets.
Typical use cases:
- Writing emails, articles, product descriptions
- Generating graphics and images
- Creating code or marketing copy
- Customer support via AI-powered chat
But despite its capabilities, GenAI isn't a one-size-fits-all solution.
What Other Types of AI Exist?
✅ 1. Analytical AI
This type of AI focuses on analyzing data, identifying patterns, and making predictions. It doesn't generate content but provides insights and decisions based on logic and data.
Use cases:
- Predicting customer churn or lifetime value
- Credit risk scoring
- Fraud detection
- Customer segmentation
✅ 2. Optimization AI
Rather than analyzing or generating, this AI finds the best possible solution based on a defined goal or constraint.
Use cases:
- Logistics and transportation planning
- Dynamic pricing
- Manufacturing and workforce scheduling
✅ 3. Symbolic AI (Rule-Based Systems)
This older but still relevant form of AI uses logic-based rules and decision trees. It is explainable, auditable, and reliable — especially in regulated environments.
Use cases:
- Legal or medical expert systems
- Regulatory compliance
- Automated decision-making in banking or insurance
✅ 4. Reinforcement Learning
This AI learns by trial and error in dynamic environments. It’s used when the system needs to adapt based on feedback and outcomes.
Use cases:
- Autonomous vehicles
- Robotics
- Complex process automation
When Should (or Shouldn’t) You Use GenAI?
What Does This Mean for Your Business?
If you're only using GenAI, you might be missing out on significant potential. The real value lies in combining AI types.
Example:
- Use Analytical AI to segment your customers.
- Use GenAI to generate personalized emails for each segment.
- Use Optimization AI to time and target campaigns efficiently.
This multi-layered approach delivers better ROI, reliability, and strategic depth.
Summary: GenAI ≠ All of AI
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