Tinubu has published a new whitepaper by its CTO, Yvan Saule: From Legacy Burden to Digital Resilience: Modernizing Credit Insurance Operations in a Volatile World.
Credit insurers and export credit agencies (ECAs) are navigating an increasingly volatile landscape. Corporate bankruptcies are rising, geopolitical disruptions are shifting trade patterns, and the Berne Union's Business Confidence Index points to robust demand for short-term export credit insurance. Yet many of the institutions providing stability to trade are struggling with instability in their own operations. Legacy technology, siloed processes, and accumulated technical debt are holding them back at a time when agility matters most.
The whitepaper goes beyond surface-level observations. It examines how outdated platforms, some built in the 1990s or early 2000s, quietly drain resources and amplify risk. Across the industry, up to 70% of IT budgets go toward maintaining legacy infrastructure. But the cost is not only financial:
What sets this whitepaper apart is its focus on the human side of transformation. Yvan Saule argues that organizational friction, including skills shortages, cultural resistance, and departmental silos, can be just as damaging as technical debt. Real transformation requires bringing people along, not just upgrading platforms.
Rather than advocating for a "big bang" approach, the whitepaper lays out a phased modernization strategy built around five principles:
Real-world case studies illustrate the impact: one ECA cut application processing time from 15 days to under 10 minutes, while a specialty insurer doubled its premium base in three years after implementing a modern platform.