Making AI Work for the Global Benefits Policy-to-Payment Revolution

Benefits Policy-to-Payment Asinta believes that the acceleration of artificial intelligence in employee benefits will bring significant advantages to EB consultants, employers, and employees by transforming administration and reimagining the entire workflow from interpreting policy to executing payment.

Fijoya’s responsible and innovative approach is a model for how AI-driven solutions can elevate the benefits experience globally for all.

What AI Actually Means in a Global Benefits Context

In the benefits landscape, AI is more than a chatbot or productivity tool. It’s a technology that Asinta encourages employee benefits consultants and multinational employers to consider using to:

  • Parse and reason over complex policy documents and rules, tailored to each employee’s data, needs, and location.
  • Provide clear, real-time, and unbiased answers and recommendations, from coverage queries to eligibility guidance.
  • Automate intricate decisions—such as matching employees to the right mix of health and wellness solutions, based on what’s best for the employee.

“Today’s multinational employers need solutions that are accurate, compliant, and easy for everyone in the world to use. Integrating AI—from the first policy question to the final payment step—is the next frontier in global benefits.”


— James Kinney, Executive Director, Asinta

Fijoya’s platform, for example, tailors the user experience—whether via a personalized homepage, intuitive search assistant, or recommendation engine—ensuring every employee can easily discover and access the services their employer makes available.

How Brokers and Employers Benefit

Employers and brokers using Fijoya report substantial impact:

  • Greater accuracy and fairness: Employees get unbiased access to eligible options—without promotional bias.
  • Administrative efficiency: AI-driven workflows and direct, policy-compliant payments eliminate the need for paper receipts and manual reimbursement.
  • Navigating global complexity: With thousands of vetted vendors, Fijoya supports both flexible, local solutions and ensures global compliance.
  • Notably, employee engagement with benefits jumped from 5% to 63.5%, with a 50% cost savings for employers—a testament to the power of responsible AI.

“In global benefits, AI’s real breakthrough isn’t just in making policies easier to understand, it’s in closing the gap from policy to payment. When an employee in any country can see exactly what’s available to them, get a clear answer in plain language, and pay instantly without confusion or bias, we turn benefits from a theoretical promise into a personalized, valuable experience. That’s the foundation of a smarter, fairer, and more efficient benefits experience worldwide.”


—Baruch Levy, CEO, Fijoya

The Policy-to-Payment Revolution: Closing the Loop

Traditional benefits administration is disjointed: ‘policy’ is separate from ‘payment,’ leading to friction, delays, and wasted resources. Fijoya exemplifies the Policy-to-Payment revolution, merging:

  • AI-powered policy intelligence: Processing rules, eligibility, and exceptions in real time.
  • Proactive guidance: Directing employees toward best-fit options before they even ask.
  • Embedded, compliant payments infrastructure: Virtual cards are issued and funded instantly, eliminating reimbursement headaches.
  • The outcome is seamless decision and execution, enabling instant, private access for employees and real-time control for employers and brokers.

Why This Matters

  • For Employees: AI-driven support means no more wading through dense benefits documents or submitting paperwork. Whether accessing a therapy session or wellness service, everything is clear and immediate.
  • For Employers and Brokers: Streamlined management, actionable insight, and dynamic control empower HR and benefits teams to focus on strategy and value—not administration.

What’s Next

The future will bring even deeper integration:

  • Tighter bonds between policy reasoning and payment execution
  • Anticipatory support and proactive compliance monitoring
  • Scalable governance built in from the start

Asinta’s viewpoint is that responsible, AI-driven global benefits are already reshaping organizations—improving wellbeing, boosting engagement, and delivering substantial savings—but they must be built on a strong ethical foundation. AI is not just an assistant; it is the engine of a smarter, fairer, and more efficient era for global employee benefits.

 

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A note about AI governance for building trust and delivering impact

Deploying AI to manage global benefits introduces major responsibilities, particularly around sensitive data and high-stakes decisions. Fijoya addresses this through a robust AI governance program guided by the Deloitte Trustworthy AI Framework:

  • Fair and unbiased automated recommendations, with regular bias and fairness testing.
  • Transparency and explainability: Employees are notified when AI is used and can understand or challenge recommendations.
  • Privacy, safety, and security: SOC 2, GDPR, and HIPAA compliance, data minimization, access controls, and ongoing adversarial testing.
  • Robustness and reliability: Ongoing risk assessment, anomaly detection, and fallback mechanisms for uninterrupted, reproducible service.
  • Responsible use: Vetting vendors for ethics and sustainability, and regular compliance audits.

By making robust governance foundational, Fijoya enables faster innovation while protecting employee trust and company reputation.