RESTful API Design for Modular Insurance Platforms
DOI:
https://doi.org/10.63282/3050-922X.IJERET-V2I3P108Keywords:
RESTful API, Insurance Platforms, DevSecOps, Cloud Security, Microservices, Modularity, Digital Transformation, Policy ManagementAbstract
The digital transformation of the global insurance industry is becoming radical, which will be made possible due to the cloud computing and DevSecops approaches and rising need to migrate towards modular customer oriented platforms. The REST APIs (Representational State Transfer Application Programming Interfaces) have become the framework based on which the insurance ecosystems should provide interoperability, scalability, and safe integration. This paper gives aspects of design of RESTful API that are unique to modular insurance platforms, cloud security and integration of DevSecOps to be resilient and in line with continuous delivery. A layered federated API architecture we propose includes microservices provisions, policy management, claims automation, and risk assessment. We next test the application of REST principles that support modularity and the ability of DevSecOps pipelines to enhance security through automation, vulnerability testing and compliance. The paper has introduced an API-based insurance reference model with security at all stages of development and thus it is the methodology section. The findings determine that the application of RESTful API may assist in the reduction of integration time by up to 45 percent and operational risks by 30 percent in the event that it is taken into consideration with the support of DevSecOps practices. According to the review of the literature, the paper remembers the insurance API ecosystems, such as B3i, ACORD standards, and open insurance doctrines. The comparative analysis of the legacy integration practice exposes flaws of the current integration practice and advantages of the modular approach to APIs that can support such regulatory frameworks as GDPR, HIPAA, and PCI DSS. With embedded DevSecOps and cloud security implications, RESTful API design can enable insurance providers to actualize agility, customer trust and regulatory compliance. The future perspectives are assured in the future development of API design as to the hybrid multi-cloud application and incorporation of AI-based risk management
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