Emma Intelligence:
AI-native Solutions Engineered to Create Value—Not Headlines

Challenge: Data siloes

Innovation: Turning data into direction

Outcomes: Ends reactive decision making by connecting data and surfacing insights

Challenge: Admin overload

Innovation: Automating complex workflows

Outcomes: Catches errors early, so your team focuses on strategy, not paperwork

Challenge: Employee confusion

Innovation: Personalizing the experience

Outcomes: Makes benefits simple and intuitive to boost adoption and drive utilization

Emma Intelligence is bswift’s AI-native technology woven across the bswift ecosystem to make benefits simpler, smarter, and more human—reducing friction for employees, admins, and service teams. It uses benefits materials, plan configuration, eligibility logic, and operational context to guide decisions, accelerate answers, catch issues earlier, and turn data into direction.

AI-native means Emma Intelligence is built directly into the bswift platform and workflows—not added on as a separate chatbot or bolt-on tool. Because it runs on your real benefits configuration and content, it delivers plan-specific answers and automation that match what’s actually true for each employer and employee.

Emma Intelligence is designed to reduce operational friction in benefits. It focuses on benefits-specific outcomes like fewer eligibility errors, lower call volume, faster resolution, cleaner data, and simpler administration workflows. Generic AI can draft text; Emma Intelligence is native AI engineered to work inside real benefits rules, feeds, and employee interactions.

Emma Intelligence powers personalized decision support (Emma EnrollPro™), plan-specific answers (Emma™ Chat), plain-language insights and reporting (Emma AdminPro™), agent assistance for service teams (Emma™ Agent Assistant), and proactive issue detection (Data Integrity). One intelligence layer, multiple benefits moments.

Emma Chat answers questions using the employer’s benefits materials, plan configuration, and the employee’s enrollment context, with optional claims history context when integrations are enabled. The goal is accurate, plan-specific guidance with clean handoffs to human support when a question is complex, sensitive, or requires judgment.

Containment is the share of employee questions resolved without needing a live agent interaction. An 80% containment rate means most questions are answered in the moment, which reduces confusion and frees service teams for higher-touch scenarios. In practice, that can also contribute to measurable call volume reductions.

Outcomes depend on which modules you deploy, but the throughline is simpler experiences and fewer operational fires. Examples include 78% reduction in enrollment time (EnrollPro), 2.5X lift in voluntary benefits enrollment (EnrollPro), 52% fewer external feed errors (Data Integrity).

Emma AdminPro turns plain-language questions into analysis outputs your team can use immediately, like charts, tables, and summaries. Instead of exporting data and building pivots, admins can ask things like “Show me HDHP adoption trends” and get presentation-ready outputs faster, which helps teams move from reporting to decisions.

Emma Intelligence is designed so sensitive benefits data is handled with privacy as a non-negotiable requirement. The intent is to keep models and processing inside bswift-controlled environments and prevent customer data from flowing back to consumer “big tech” systems for training. When third-party partners are used, the standard is that they do not retain or train on your data.

Mindful AI® is bswift’s governance framework for deploying Emma Intelligence in a people-first, trust-first way. It’s built on four principles: Augment humans, protect privacy by default, ship only what’s defensible, and stay future-ready as AI evolves.