Cloud native ETL pipelines support the extract and transform phases of real time claims processing in large scale insurers. The cloud native approach offers dramatic improvements in scalability, reliability, resiliency and agility as well as seamless integration with the diverse set of data sources, destinations and technologies characteristic of large scale insurers. The ETL process extracts data from source systems such as core transaction, fraud, customer and accounting processes, transforms the data to create a usable format for analytics and other applications, and loads the resulting tables into business intelligence or data lake systems for subsequent storage and analysis. By addressing these two phases of the overall ETL process, cloud native ETL pipelines can provide timely, reliable and consistent data to data scientists, actuaries, underwriters and other analysts. Real time processing represents a key priority within the overall claims process: faster, more accurate claim approvals reduce insurer costs, improve customer service and enhance premium pricing. As a result, a variety of claims related use cases are moving from batch to real time.

Data warehousing is a technique for collecting, managing, and presenting data to help people analyze and use that data effectively. It involves a large database designed to support management-level staff by providing all the relevant historical data for analysis. This chapter begins with a definition of data warehousing, followed by an overview of large-scale policy management to highlight the need for data warehousing. Next, an overview of an ETL framework is presented, along with a discussion of advanced ETL techniques. The chapter concludes with an outline of performance optimization techniques for data warehousing. Data warehousing is considered a key enabler for efficient reporting and analysis, with implementation choices ranging from cost-effective desktop systems to large-scale, mission-critical data marts and warehouses containing petabytes of data. Extract, transform, and load (ETL) systems remain one of the largest cost and effort areas within data warehouse development projects, requiring significant planning and resources to build, manage, and monitor the flow of data from source systems into the data warehouse. The technology and techniques used for ETL can greatly influence the success or failure of a data warehouse. Complex business requirements for data cleansing, loading, transformation, and integration have intensified, while operational plans for real-time and near-real-time reporting add additional challenges. Parallel loading mechanisms, incremental data loading, and runtime update and insert strategies not only improve ETL performance but also optimize data warehousing performance, particularly for large-scale policy management.