Decision Sciences Company

What Decision Sciences Company does

Decision Sciences Company is a Warsaw, Poland-based B2B enterprise software company founded in 2021 that builds AI/ML-based pricing systems for the insurance industry. Its flagship product, Ratebook, is a next-generation insurance pricing platform that enables "hyper-frequency pricing" — the real-time adjustment of insurance tariffs to individual customers rather than customer groups, processing thousands of measurements simultaneously and determining incremental price changes across tens of thousands of micro-segments using a proprietary "price liberation" methodology. The technology stack draws on deep learning, optimization algorithms, validation, recommendation, simulation, and sensitivity measurement functions, and the company indicates it leverages alternative data in pricing decisions.

The company targets enterprise insurance carriers as its sole disclosed customer segment, positioning Ratebook against current industry practice of setting tariffs for customer groups on approximately two-day cycles. Its stated value proposition is to replace this batch pricing approach with real-time, individualized, AI-driven pricing that incorporates market dynamics and insurer strategy while mitigating parameter permeability across micro-segments.

Commercially, Decision Sciences Company sells Ratebook as a SaaS subscription directly to enterprise insurance buyers through an enterprise field sales motion. The company's primary funding to date is a non-dilutive EU grant of approximately 3.83 million PLN (~$990K) under Poland's Smart Growth Operational Program 2014-2020, awarded in October 2021 to fund a 26-month R&D project that concluded in December 2023. The company currently operates with 11-50 employees and has not publicly disclosed paying customers, pricing, or revenue figures.

Name

Decision Sciences Company

Legal name

Decision Sciences Company

Website

https://decisionsciences.ai

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Decision Sciences Company is a Warsaw-based AI/ML software vendor that builds the Ratebook pricing platform, enabling enterprise insurance carriers to set individualized tariffs in real time via hyper-frequency AI pricing offered as enterprise SaaS.

Ownership category

akta.pro rank

Product category

Insurance Pricing Software

NAICS

Custom Computer Programming Services (541511)

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

Keywords

• AI insurance pricing
• Insurance tariff automation
• Real-time pricing software
• Insurance pricing machine
• Predictive insurance analytics

Headquarters

HQ city

Jasionka

HQ country

Poland

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales

Revenue model

1. SaaS Subscription for Ratebook: The company's primary product (Ratebook) is offered as a SaaS solution to insurance companies. Based on EU grant documentation, the product will be offered to end users in a SaaS model. The solution provides real-time insurance risk pricing (hyper-frequency trading), supporting tariff management with validation, optimization, recommendation functions, simulations, sensitivity measurements, and deep learning capabilities.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Decision Sciences Company develops and sells Ratebook, an AI/ML-powered insurance pricing system that enables hyper-frequency (real-time) adjustment of insurance tariffs to individual customers. The SaaS platform processes thousands of measurements simultaneously and applies price liberation methodology to determine incremental price changes across tens of thousands of micro-segments, supporting validation, optimization, recommendation, simulation, sensitivity measurement, and deep learning functions for insurance carriers.

Product overview

Decision Sciences Company offers a single unified AI pricing product called Ratebook, an insurance pricing machine that enables hyper-frequency pricing (real-time tariff adjustment to individual customers). The company builds AI pricing machines with alternative data and offers the Ratebook solution in a SaaS model.

Differentiator

Problem solved

Functional benefit

Brands

• Ratebook: AI/ML-powered insurance pricing system enabling real-time tariff adjustment to individual customers with hyper-frequency pricing capabilities.

Products and services

• Ratebook

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves3 records

Expansion highlights4 records

Direct peers

• Earnix: Earnix is a well-established insurance pricing and rating platform that uses AI/ML to deliver real-time, customer-level pricing for P&C and life insurers — directly comparable to Ratebook's hyper-frequency pricing proposition.
• Akur8: Akur8 provides an AI-powered insurance pricing platform that automates rate-making and model building for insurers, addressing the same pricing-automation workflow Decision Sciences targets with Ratebook.
• hyperexponential: hyperexponential offers a pricing decision platform for insurers and reinsurers, enabling data-driven portfolio and price optimization — competing in the same insurance pricing analytics category.

Emerging players

• Shift Technology: Shift Technology applies AI across multiple insurance workflows including claims and underwriting; it is an emerging insurtech AI vendor with partial overlap to Decision Sciences' AI-for-insurance positioning.
• Cytora: Cytora is an AI platform for commercial insurance underwriting and risk decisioning, addressing a related workflow within carrier pricing and selection processes.

Broad incumbents

• Guidewire Software: Guidewire is a dominant insurance core platform vendor whose rating and underwriting modules compete broadly in the same pricing workflow space, even though it is a horizontal suite rather than a specialist pricing tool.
• Duck Creek Technologies: Duck Creek provides a broad insurance SaaS suite including rating and policy administration, and competes with Decision Sciences for pricing/rating budget at insurance carriers.
• Sapiens International: Sapiens offers insurance core and analytics software including pricing and product configuration, serving as a broad incumbent in the same customer base.
• EIS Group: EIS Group provides a core insurance platform with rating, underwriting, and product configuration capabilities, targeting the same enterprise insurance carrier buyer.

Regional players

• Prima Solutions: Prima Solutions is a European insurance SaaS provider with rating and policy admin modules, comparable as a regional incumbent serving European insurers in the same pricing workflow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/decision-sciences-company

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Decision Sciences Company