{
      "tool_id": "art-257-calculate-claims-stp-economics",
      "tool_version": "1.0.0",
      "display_name": "Claims STP Economics Calculator",
      "mcp_name": "calculate_claims_stp_economics",
      "mandate_type": "analytics_mandate",
      "wave": 43,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-257-calculate-claims-stp-economics.html",
      "description": "Computes the financial business case for insurance claims Straight-Through Processing (STP) automation. Models handling cost reduction from current to target STP rates, leakage delta (change in claim payment leakage from automated vs manual handling), net annual benefit, NPV over a configurable projection horizon, IRR, and per-claim cost reduction. Covers industry benchmarks from McKinsey Insurance 2024, Accenture Claims Transformation 2025, and Majesco Claims Technology Survey 2024. Use in insurer-rbc-action-level chain (downstream when capital below 200% ACL triggers corrective action). ZERO PII: aggregate portfolio metrics only.",
      "input_schema_ref": "chaingraph/art-257-calculate-claims-stp-economics.html#manifest",
      "consumes": [
        "art-254-compute-rbc-action-level"
      ],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:705011effaaf8ceec89ff5d39d51b1a8bf478dbd66ded2dfe68639036e90ef20","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-05"}],
      "export_capability": [
        "json"
      ],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "AZXaC+g7iIaPbrbGeXEyjTUollqzQRpYkLbzqf2dgfoWKUqvxZS6p/Ux36RLs5uKhe+aKaXE1gJZ785PvX8D5gf/IkLVuYvyDdonbhGk80WxIiQRMVGh3NGvEDSGjSHOJqiotPvJaYZnMVZ7exGYLGR4Wq3sdiU88GX1bcAJaagTV6eZQbsVwiqQkwa49v4kPJ39APdmSRHRFEWFixNRQiFnhqWvTGiZSCME8CdNHPGz1C2m3jN44kJQkOAwappRAajvhhlP2Msmz5mnKX+Odx10JocXFXBSAs1K3ZbB5V8HWzrD9KmCishVdG3AkQMdz5f5+YuTqTgnU6EYAQCnxA==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:705011effaaf8ceec89ff5d39d51b1a8bf478dbd66ded2dfe68639036e90ef20",
          "output": {
            "annual_cashflows": [
              {
                "cashflow": 5425000,
                "discounted_cashflow": 4931818.18,
                "year": 1
              },
              {
                "cashflow": 5425000,
                "discounted_cashflow": 4483471.07,
                "year": 2
              },
              {
                "cashflow": 5425000,
                "discounted_cashflow": 4075882.79,
                "year": 3
              },
              {
                "cashflow": 5425000,
                "discounted_cashflow": 3705348,
                "year": 4
              },
              {
                "cashflow": 5425000,
                "discounted_cashflow": 3368498.18,
                "year": 5
              }
            ],
            "annual_handling_savings": 5425000,
            "cost_reduction_pct": 44.11,
            "cost_reduction_per_claim": 54.25,
            "current_annual_cost": 12300000,
            "current_avg_cost_per_claim": 123,
            "current_manual_claims": 60000,
            "current_stp_claims": 40000,
            "discount_rate_pct": 10,
            "irr_pct": 105.54,
            "leakage_increase": 0,
            "leakage_reduction": 0,
            "net_annual_benefit": 5425000,
            "net_leakage_impact": 0,
            "not_legal_advice": "Not legal, actuarial, or investment advice. STP investment decisions require enterprise business case review and actuarial sign-off on leakage assumptions.",
            "npv": 15565018.22,
            "payback_years": 0.92,
            "pii_note": "ZERO PII: aggregate portfolio metrics and cost inputs only. No claimant, policyholder, or claim-event personal data enters this kernel.",
            "projection_years": 5,
            "regulatory_basis": "NAIC Claims Process Innovation Working Group (2023); IAIS ComFrame (proportionality in claims governance). STP automation economics benchmarks per McKinsey Insurance 2024 and Majesco Claims Technology Survey 2024.",
            "stp_rate_improvement_ppt": 35,
            "table_source": "McKinsey Insurance 2024 (claims automation ROI benchmarks); Accenture Claims Transformation 2025; Majesco Claims Technology Survey 2024; NAIC Claims Process Innovation Working Group 2023.",
            "table_version": "CLAIMS-STP-ECONOMICS-V1.0-2025",
            "target_annual_cost": 6875000,
            "target_avg_cost_per_claim": 68.75,
            "target_manual_claims": 25000,
            "target_stp_claims": 75000
          }
        }
      },
      "compute_proof_ready": "ready"
    }