Streamlining Allstate’s Billing Operations with Real-Time Automation and Unified Revenue Management
Revenue Growth
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Increase in Revenue
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Invoices Delivered
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INDUSTRY
Insurance
Company
Allstate, headquartered in Memphis, Tennessee, is one of the largest insurance providers in the United States. With $44 billion in annual revenue and over 55,000 employees, Allstate delivers a wide range of insurance services, including its flagship Roadside Assistance (ARS) division.
As part of its continued growth and innovation strategy, Allstate aimed to enhance its billing and finance operations by adopting a modern, automated ERP system. The company sought a unified solution capable of handling multiple insurance models—including OEM, Group, and B2C—with real-time responsiveness, reduced revenue leakage, and greater billing accuracy across the board.
The Business Challenges
With growing service demands and expanding customer segments, Allstate faced increasing complexity in managing its billing and finance processes. The existing system presented multiple operational hurdles:
Lack of Real-Time Invoicing for Ad-Hoc Services
The legacy system couldn’t support instant billing for non-subscribed or one-time ARS customers. This caused delays in service fulfillment and inconsistent revenue tracking. Real-time invoicing was critical to improving both responsiveness and financial accuracy.
Revenue Leakage from Inefficient Claim Validation
Slow or incorrect insurance validation led to missed billing opportunities and revenue loss. Manual claim verification increased the risk of errors and follow-up rework. A faster, automated validation process was needed to prevent leakage at the source.
Disconnected Finance and Billing Systems
Billing and finance functions were distributed across multiple platforms with no unified view. Siloed systems created data inconsistencies, limited visibility, and added overhead. Consolidation was essential to streamline workflows and reduce complexity.
Heavy Dependence on Offline Spreadsheets
Manual spreadsheet use slowed down invoice preparation and introduced data accuracy issues. Billing cycles were extended due to the lack of real-time tracking. Automating these processes was vital to enable faster, error-free operations.
Inflexibility to Support Diverse Insurance Models
The system struggled to support multiple billing models like B2B2C, B2B, and B2C. Frequent changes to pricing, service bundles, and entitlements required time-consuming customization. A flexible architecture was needed to manage varied subscription plans efficiently.
The Need for a Unified, Agile ERP Platform
Allstate needed a centralized ERP solution to unify billing, finance, and subscription models. The goal was to enable real-time service validation, reduce turnaround time, and deliver accurate, automated invoices. A modern SAP BRIM-based approach was the answer.
Allstate needed a centralized ERP platform to automate its revenue management process, reduce billing turnaround time, support flexible subscription models, and deliver just-in-time services to customers with high precision.
Our Solution
Mobolutions implemented a tailored SAP S/4HANA solution with an integrated BRIM (Billing and Revenue Innovation Management) landscape to help Allstate unify its finance and billing systems under one platform. The solution emphasized automation, real-time processing, and adaptability across multiple insurance segments.
Key Features Implemented
Real-time ad-hoc service billing:
The new system enabled Allstate to generate immediate invoices for customers requesting on-demand roadside assistance, regardless of subscription status. This drastically improved responsiveness and cash flow.
Work Order Management
Enabled technicians to create, edit, and complete work orders using a seamless Fiori-based UI or ESRI map integration.
Embedded SAP Insurance objects in BRIM
Mobolutions configured BRIM to work in tandem with SAP Insurance, using standard industry objects to validate insurance coverage and streamline claim identification.
Single ERP instance for finance and billing:
Multiple legacy systems were consolidated into a centralized SAP S/4HANA instance, reducing operational overhead, improving visibility, and simplifying maintenance.
Support for flexible subscription models:
The solution was built to accommodate Allstate’s complex B2B2C, B2B, and B2C models—offering tailored billing configurations and scalable service delivery.
Just-in-Time insurance validation:
The integration enabled instant verification of insurance coverage at the time of service, allowing ARS teams to act quickly and confidently
Automated invoice generation and delivery:
With reduced dependency on manual spreadsheets, the billing system now auto-generates and dispatches over 95% of invoices accurately and on time.
Implementation Process
Assessment & Planning
Mobolutions worked closely with Allstate’s business and IT teams to evaluate the existing billing framework, define process gaps, and identify automation opportunities.
Solution Design
The SAP S/4HANA and BRIM architecture was designed to align with Allstate’s complex business model while ensuring flexibility, standardization, and speed.
System Consolidation & Development
Allstate’s fragmented finance and billing systems were unified into a single ERP instance. Real-time workflows and insurance validation processes were configured using BRIM and SAP Insurance.
User Training & Testing
The Mobolutions team conducted comprehensive training sessions for finance and operations users. Multiple testing cycles ensured accuracy and minimized go-live risks.
Go-Live & Optimization
A phased deployment approach ensured seamless system adoption. Post-go-live, Mobolutions monitored system performance, providing optimization support and updates.
The Results
The implementation of SAP S/4HANA with BRIM capabilities led to dramatic improvements in Allstate’s operational performance:
- 120% increase in revenue growth since the implementation of BRIM.
- Turnaround time of 13 seconds or less for ad-hoc ARS billing, improving real-time responsiveness.
- 2% increase in revenue due to the elimination of claim misidentification and revenue leakage.
- Invoice creation time reduced to 3 days, significantly improving billing cycle efficiency.
- 95% of invoices delivered automatically, reducing manual work and improving customer satisfaction.
- Unified ERP system managing all finance and billing operations across B2B, B2C, and B2B2C channels.
By centralizing its billing operations and introducing automation, Allstate significantly optimized its revenue processes and positioned itself for scalable, future-ready growth in the insurance sector.
Mobolutions can help you implement a future-ready billing solution tailored to your unique business model. Whether you’re in insurance, utilities, or services, we’ll streamline your financial operations with SAP BRIM and SAP S/4HANA.
