If you work in a highly regulated industry, like financial services, healthcare, or insurance, you’re constantly balancing two competing priorities:

  1. Modernizing and automating complex, end-to-end processes
  2. Protecting sensitive data and complying with strict regulations

Every time a process touches personally identifiable information (PII) or protected health information (PHI), the number of systems, teams, and vendors that can see that data grows. Risk grows with it.

The Skyflow Connector is designed to help break that trade-off. It lets you orchestrate business processes with Camunda while keeping sensitive data protected by tokenization and de‑identification through Skyflow’s data privacy platform.

The problem: Too much sensitive data in cleartext

In a typical regulated organization, critical processes (for example, customer onboarding and KYC, claims handling,  prior authorization, credit decisioning and collections) span dozens of systems and teams. Over time, sensitive data has been copied and integrated into core systems of record, CRM and case management tools, analytics and data lakes, and more. This leads to familiar pain points like:

  • Rising compliance scope because more systems fall under GDPR, PCI DSS, HIPAA or local regulations
  • Slower change because every new integration or cloud service triggers security reviews and data protection work
  • Higher breach impact since incidents are harder to contain because sensitive data has been spread widely

The question now becomes, how can we orchestrate processes end-to-end, without pushing cleartext sensitive data everywhere?

The solution: Orchestrate the process, not the cleartext

Camunda is used to orchestrate complex, long-running processes across people, systems, AI agents, and automation tools. Skyflow is built to protect and govern sensitive data using tokenization and de‑identification.

The Skyflow Connector enables Camunda to manage the end-to-end process across different tasks (including handoffs) and SLAs, while also guaranteeing auditability. Skyflow handles data privacy, identifying sensitive fields and replacing them with tokens, then safely reidentifying them when necessary.

In practice, that means your process can:

  1. De‑identify sensitive data (tokenization) as soon as it enters the workflow. The process sends selected fields (for example, name, SSN, account number) to Skyflow. Skyflows sensitive data and replaces it with tokens.
  2. The Camunda process continues with tokenized data instead of raw PII/PHI, through downstream systems and integrations.
  3. Reidentify (revealing where permitted) only at carefully controlled moments where real values are truly needed (for example, generating regulated documents or writing back to a system of record). At specific steps, the process can request the original values back from Skyflow. This is used sparingly—for example, to populate a final notice, fulfill a regulatory request, or update a compliant system of record.
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Inside Camunda, this is a reusable Camunda 8 outbound connector with an element template for Camunda Modeler. The connector can be dropped onto a BPMN‑modeled process and configured on a service task, just like other connectors for REST, messaging, or AI services. This ensures that modelers can reuse the connector across many use cases without rebuilding it from scratch each time.

For technical teams, the full implementation details and configuration options are available in the Camunda Marketplace Listing.

Skyflow Connector demo

Benefits for regulated organizations

Let’s take a look at a few specific benefits your organization can realize from the Skyflow Connector.

Shrink your sensitive data footprint

By deidentifying data early in the process, you reduce the number of systems that ever see cleartext PII/PHI. Many downstream services can operate entirely on tokens:

  • CRM and case tools can track customers and cases using tokens.
  • Analytics platforms can analyze volumes and flows without holding raw identifiers.
  • Third-party vendors can work with minimized data that’s safe to share.

This directly reduces compliance scope and simplifies security reviews for new integrations and cloud services.

Improve compliance and audit readiness

Instead of scattering bespoke masking and redaction code across different applications, data protection becomes:

  • Centralized in Skyflow’s platform.
  • Visible in your BPMN models: you can literally see where data is deidentified or reidentified.
  • Consistent across processes, products, and geographies.

When regulators, auditors, or internal risk teams ask, “Where is this data exposed?” you can point to Skyflow policies and logs and Camunda’s end-to-end process models and history.

Accelerate modernization and cloud adoption

Sensitive data often blocks teams from moving workloads to the cloud, introducing new SaaS applications, and experimenting with AI or new automation tools.

With Camunda orchestrating the process and Skyflow protecting the data, you can:

  • Keep the most sensitive details in a controlled vault.
  • Orchestrate modern cloud services using tokens.
  • Adopt new technologies without dramatically expanding your cleartext data footprint.

Enable safer AI and analytics use cases

As organizations roll out AI and advanced analytics, sensitive information like PII should be protected when part of AI workflows. With tokenization in place, many analyses can run on tokens and nonsensitive attributes. Only a minority of carefully controlled use cases require reidentification. This makes it easier to say yes to innovation, while still honoring privacy and regulatory requirements.

Concrete use cases with Camunda and Skyflow

Below are some practical scenarios where Camunda customers could use the Camunda Skyflow Connector to unlock value quickly.

KYC and customer onboarding (financial services)

Banks/fintechs use Camunda to orchestrate onboarding steps such as data collection, ID checks, sanctions screening, system writes, and communications. KYC requires handling sensitive PII (IDs, SSNs, addresses), which often spreads across systems, increasing regulatory exposure.

The connector helps with:

  • Early tokenization of sensitive fields via Skyflow
  • Reidentifying data when necessary when necessary with only a few regulated steps
  • Field level control over who sees what and when. As long as the user requesting the information has permission to see it in the context that they are requesting, they will be able to do so.

Business impact includes:

  • Reduced PII footprint
  • Faster compliance reviews
  • Stronger regulatory posture

Healthcare claims and prior authorization

Insurers/providers use Camunda to coordinate intake, EMRs, claims engines, and utilization reviews. PHI is regulated (HIPAA), and cloud workflows increase scrutiny over PHI movement.

The connector helps with:

  • Tokenizing PHI after intake
  • Running most workflow logic and integrations on tokenized data
  • Ensuring that only legally required systems receive reidentified PHI.

Business impact includes:

  • Easier cloud adoption
  • Clear PHI boundaries
  • Improved auditability

Insurance claims and first notice of loss (FNOL)

Camunda orchestrates FNOL, adjuster coordination, partner interactions, and settlement steps. Sensitive policyholder data flows through many partners and legacy systems.

The connector helps with:

  • Early deidentification of policyholder and payment data
  • Ensuring that partners and non-core systems work with tokens
  • Ensuring that reidentification happens only for required outputs (settlements, regulatory reports)

Business impact includes:

  • Lower data exposure
  • Safer third‑party collaboration
  • Better regulatory alignment

SaaS platforms serving regulated enterprises

A SaaS platform uses Camunda for multi‑tenant orchestration, including regulated customers. Handling customers’ sensitive data slows enterprise sales and increases compliance obligations.

The connector helps with:

  • Applying early deidentification in regulated tenants’ workflows
  • Governing sensitive data in Skyflow thanks to SaaS platform working primarily with tokens
  • Customers using their own Skyflow vaults

Business impact includes:

  • Stronger enterprise security story
  • Smoother onboarding
  • Differentiated privacy‑first services

How to get started

If you see similar challenges in your organization, here’s a simple path forward:

  1. Identify a single high-value, high-sensitivity process. For example:
    • Customer onboarding
    • A specific claims journey
    • A high-risk internal workflow
  1. Map where sensitive data flows today.
    • Which systems see cleartext?
    • Which ones could work with tokens instead?
  1. Introduce Camunda + Skyflow at key points.
    • Use Camunda to orchestrate the end-to-end flow.
    • Add the Skyflow Connector where data enters the process to deidentify and at a small number of well-justified points to reidentify.
  1. Leverage existing documentation and examples like:

By combining Camunda’s end-to-end orchestration with Skyflow’s data privacy capabilities, regulated organizations can automate more of their most sensitive workflows—without compromising on governance or control. You get the agility to modernize and adopt new technologies, while giving risk and compliance teams a clear, defensible architecture they can trust.

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Enterprises are under pressure to deliver faster, smarter, and more autonomous processes. Yet, most automation initiatives stall because agents rely on accurate data to make reliable decisions and take reliable actions.

Most enterprise information lives in documents like claims, invoices, contracts, IDs, and medical reports. These are complex and variable, making them hard for LLMs or agents to interpret. Without structured, validated data, even advanced automation fails.

That’s why Camunda and ABBYY have joined forces—to unlock data locked away in documents and deliver reliable agentic automation.

Analysts agree: Intelligent Document Processing (IDP) is no longer optional, it’s foundational. Forrester notes that “Generative and agentic AI are transforming IDP into a cognitive engine that powers enterprise automation.” While Gartner calls IDP “a strategic enabler for intelligent automation,” and a critical component of intelligent automation strategies, enabling compliance and operational agility. That is why we are thrilled to announce our new partnership and integration with ABBYY, a Leader in 2025 Gartner® Magic Quadrant™ for Intelligent Document Processing Solutions.

This partnership combines Camunda’s agentic orchestration with ABBYY’s advanced document intelligence, creating a powerful synergy that accelerates automation for complex, document-centric processes.

Why this partnership matters

AI agents need trusted, contextual, and actionable information which they can use to make decisions and take actions. Here’s why it matters:

  • Better Decisions: Agents rely on data to evaluate context and choose the next best step. Poor data leads to wrong decisions and compliance risks.
  • Contextual Autonomy: Reliable data provides confidence scores and validation checks, enabling dynamic, context-aware processes instead of rigid workflows.
  • Compliance and Auditability: In regulated industries, every decision must be traceable. Trusted data ensures decisions meet compliance standards and withstand audits.
  • Fewer Escalations: Low-quality data forces agents to escalate cases to humans, creating bottlenecks. Trusted data minimizes exceptions and increases straight-through processing.
  • Continuous Learning: Agentic systems improve over time. If the underlying data is unreliable, the feedback loop becomes corrupted, leading to systemic errors instead of optimization.

The ABBYY-Camunda advantage

ABBYY and Camunda create an agentic loop for document-heavy processes:

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Perception: ABBYY brings best-in-class Document AI—classification, extraction, validation, and human-in-the-loop capabilities.

Reasoning, Orchestration, and Action: Camunda adds composable orchestration, connecting systems, agents, and people into a seamless workflow.

Together, they enable agents to perceive documents, reason with context, and act autonomously.

Use cases this combination solves for

Combining Camunda and ABBYY’s capabilities unlock transformative possibilities across many industries:

  • Financial Services: Automate loan origination and claims processing by extracting data from complex forms and orchestrating approval workflows.
  • Healthcare: Streamline patient onboarding and insurance verification with intelligent document capture and BPMN-driven orchestration.
  • Supply Chain & Logistics: Accelerate invoice processing and compliance checks by combining ABBYY’s OCR and Camunda’s decision automation.
  • Public Sector: Digitize regulatory workflows, ensuring transparency and auditability through integrated IDP and BPM.

Insurance claims example

Insurance claims involve diverse documents, like forms, reports, invoices, IDs, and every claim is different. Combining ABBYY–Camunda enables:

  1. Intake: Camunda triggers the workflow and sends documents to ABBYY
  2. Perception: ABBYY classifies, extracts, validates, and returns structured data
  3. Reasoning & Orchestration: Camunda applies DMN rules for policy checks, thresholds, and compliance, then orchestrates next steps across systems and people
  4. Action: Agents orchestrated by Camunda  approve, route, request missing documents, or escalate autonomously
  5. Human-in-the-Loop: Camunda dynamically involves adjusters only for ambiguous or high-risk cases
  6. Continuous Learning: Each cycle improves autonomy and reduces manual effort

Business outcomes:

✔ Faster claims processing (days → minutes)
✔ Consistent, auditable decisions
✔ Lower operational costs
✔ Better customer experience

Inside the integration

The ABBYY Vantage Connector, built using Camunda’s Connector Template, makes integration simple and scalable. It offers:

  • Native integration in Camunda Modeler
  • Secure OAuth 2.0 authentication
  • Easy configuration
  • Automatic JSON handoff into BPMN workflows
  • Support for multi-page documents and error handling

Available on both Camunda Marketplace and ABBYY Marketplace, organizations can start using it in minutes:

  • ABBYY Marketplace: Vantage Skills, sample workflows, JSON schemas, and accelerator guidance
  • Camunda Marketplace: Official connector, ready for BPMN/DMN integration

Ready to learn more?

Explore our joint solution resources (Camunda Marketplace and ABBYY Marketplace) or contact us for a demonstration of the joint capabilities.

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In today’s financial services landscape, customer experience (CX) is no longer a differentiator, it’s a survival imperative. With 73% of consumers citing CX as a key factor in choosing a provider, and $1.6 trillion lost annually due to poor experiences, banking, financial services and insurance (BFSI) organizations must rethink how they engage customers.

Legacy systems, fragmented journeys, and slow decision-making continue to hinder transformation. To overcome these challenges, BFSIs are turning to composable architecture, a modular, flexible approach that enables rapid innovation, seamless integration, and personalized engagement across every channel.

The strategic value of composability

Composable CX architecture allows financial institutions to build a tech stack that evolves with the business. Rather than relying on monolithic platforms, organizations can integrate interoperable components that adapt to changing customer needs and regulatory demands.

Gartner predicts that by 2026, 70% of organizations will be required to adopt composable DXP technology. Accenture reports that companies with high interoperability grow revenue six times faster than their peers. Deloitte highlights composable commerce as a driver of loyalty and curated digital experiences.

For digital and technology leaders, composability supports compressed transformation—where multiple areas of the business evolve simultaneously.

Composable CX architecture + agentic orchestration = intelligent engagement

Camunda-composable-cx

In a composable CX architecture, modularity provides flexibility, but true transformation comes from intelligent coordination. This is where agentic orchestration becomes essential. It enables BFSI organizations to route tasks, decisions, and interactions across a network of specialized agents, ensuring that every customer journey is seamless, responsive, and context-aware.

At the center of this is Camunda as the orchestration engine. Camunda doesn’t just automate workflows, it governs how agents interact, when decisions are triggered, and how processes adapt in real time. It ensures that every step in the journey is executed with precision, compliance, and transparency.

At Camunda Con New York 2025, our co-founder and chief technologist, Bernd Ruecker, explored how some of Camunda’s technology partners can work together in a composable digital experience architecture orchestrated by Camunda. Each partner acted as an intelligent agent or interface, fulfilling a distinct role:

  • GetVocal serves as a conversational agent, blending human oversight with deterministic AI to deliver punctual, protocol-driven conversations via voice, chat, or  every time. They guide customers, take actions, answer questions, and escalate when needed- ensuring full control and visibility throughout.
  • Taktile functions as the agentic decisioning layer, autonomously orchestrating data retrieval, executing business logic, and running the end-to-end steps required to assess risk, personalize offers, and determine eligibility. Experts define the policies and guardrails, while underwriting agents carry out the assessment process with full transparency, auditability, and consistency.
  • Liferay provides the experience layer, acting as the unified UI where customers interact with services, content, and agents. It ensures continuity across channels and enforces governance and access controls.

Together, these technologies form a coordinated ecosystem, connected through Camunda which orchestrates their interactions, enabling BFSIs to deliver agile, personalized, and compliant customer experiences.

Consider a customer applying for a mortgage as an example:

  1. The journey begins on a Liferay-powered portal, where the customer accesses the application.
  2. A GetVocal conversational agent initiates the interaction; collecting data, guiding the user, and escalating if needed. Every step is tracked and explainable- ensuring compliance and consistency.
  3. Camunda orchestrates backend workflows, triggering identity verification, credit checks, and eligibility assessments.
  4. Taktile evaluates the application by pulling in relevant data and applying configurable decision logic, producing eligibility and offering terms tailored to the applicant’s risk and profile.
  5. If further review is needed, Camunda routes the case to a human agent with full context.
  6. Throughout, Liferay maintains a consistent, branded experience

This is agentic orchestration in action, which delivers intelligent engagement across a composable, modular technology stack.

Final thought: Orchestrating the future of financial services CX

In the BFSI sector, customer experience is no longer a siloed initiative, it’s the connective tissue of competitive advantage. Composable architecture lays the foundation for agility, but it’s agentic orchestration that brings intelligence, precision, and personalization to every interaction.

By combining modular technologies with orchestrated intelligence, financial institutions can move beyond automation to create experiences that are context-aware, compliant, and deeply human. This isn’t just digital transformation, it’s experience transformation.

Orchestration is the critical component at the core of successful enterprise agentic automation, and a strategic enabler of intelligent engagement.. The question for BFSI leaders is no longer “How do we digitize?” but “How do we orchestrate meaningful, scalable, and adaptive experiences?”

The future belongs to those who can compose with robust flexibility, and orchestrate with trust, transparency, and purpose.

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Camunda is trusted by hundreds of innovators to automate complex, mission‑critical processes at scale. In financial services, though, pre-defined deterministic orchestration alone isn’t enough. Customer journeys hinge on high‑stakes decisions, Should we approve this applicant? How much credit should we extend? What’s the best next action on a delinquent account? These moments define profitability, customer trust, and compliance.

Camunda goes beyond deterministic orchestration, empowering enterprise agentic automation by allowing you to blend both deterministic and dynamic, AI-driven orchestration in one place. Camunda is well-known for its composability, which means that not only can you create enterprise-grade AI agents in Camunda, but you can tie in a wide variety of tools to incorporate your existing endpoints and accelerate your time to value.

Taktile is a popular AI-driven decision platform that is designed for financial institutions, and today, we’re excited to share that the Taktile connector is available in Camunda Marketplace. This connector enables teams to seamlessly embed Taktile’s advanced decision‑making into any Camunda process. With Camunda orchestrating end‑to‑end workflows and Taktile managing decision strategies, risk and product teams can move from static, hard‑coded rules to Talktie’s adaptive, data‑rich decisions, without adding brittle integration code or infrastructure.

Why this matters for Camunda customers

  • Cleaner architecture: Camunda continues to handle orchestration, and you can easily incorporate Taktile to handle critical risk decisions via a native connector.
  • Faster iteration: Non‑technical users design, test, and refine decision strategies in Taktile; IT ships governed changes via Camunda.
  • Data‑rich decisions: Plug into third‑party data providers to enrich decisions with real‑time signals.
  • Built‑in control: Maintain transparency and auditability for regulated use cases.

Where it helps across the lifecycle

  • Onboarding: Automate KYC/KYB checks, detect fraud with ML, and determine product eligibility in real time.
  • Underwriting: Score applicants using multiple data sources, simulate risk outcomes, and test pricing strategies before deployment.
  • Collections: Tailor repayment plans, prioritize recovery strategies, and adjust dynamically based on customer behavior.

Underwriting as a case in point

Underwriting is one of the most complex workflows in financial services. Intake, document handling, and compliance are only half the story, the real value lies in how you decide. With Taktile embedded in Camunda, you can seamlessly use Taktile to ensure:

  • Risk teams can combine internal models with external data providers.
  • They backtest strategies on historical portfolios before rollout.
  • They deploy changes in weeks, not months, while keeping an auditable trail of every decision.

Example: A lender launching a new SME product can experiment with scoring thresholds and pricing logic, simulate performance against past applications, and then deploy optimized strategies straight into the running Camunda workflow. The result is an underwriting process that’s automated and adaptive, transparent, and continuously improving.

How it works together

  1. Model the process in Camunda Modeler using BPMN with clear decision points (e.g., a Business Rule task).
  2. Design & Test strategies in Taktile (including backtests and champion/challenger experiments).
  3. Connect via the Taktile connector from Camunda Marketplace, no brittle glue code required.
  4. Run & Govern at scale: monitor process performance with Camunda; get decision‑level explainability and versioning in Taktile.

What customers can expect

  • Speed: Deliver real‑time decisions across onboarding, underwriting, and collections.
  • Agility: Adjust strategies as conditions change, with controlled testing before rollout.
  • Compliance: Transparent, auditable decisioning embedded inside governed processes.

Operationalizing enterprise agentic automation

At Camunda, we are dedicated to helping enterprises orchestrate their mission-critical processes. As Fred Stemmelin, Vice President, Partners at Camunda puts it, the partnership with Taktile is one more way Camunda is enabling enterprises to deploy new strategies and realize value faster in their business processes.

“At Camunda, we’re focused on helping enterprises operationalize AI by creating enterprise-grade agents in the processes that matter most. Our partnership with Taktile brings adaptive, data-rich decisioning directly into BPMN-modeled workflows, so financial institutions can test, govern, and deploy strategies faster, without sacrificing control or compliance. Together, we deliver an open, composable approach that lets teams start quickly, scale confidently, and turn better decisions into real business outcomes.”

Fred Stemmelin, Vice President, Partners, Camunda

Taktile offers a strong, no-code decision platform, and simplifying the integration with Camunda makes it easier for teams to take advantage of Taktile without making any compromises in their orchestration. Maximilian Eber, Co-Founder and Chief Product and Technology Officer at Taktile, put it this way:

“Camunda has long led the way in enterprise workflow orchestration, and we’re proud to bring Taktile’s capabilities directly into the Camunda platform. The Taktile connector empowers teams to design and refine decision strategies with ease, leverage external data, and inject AI into critical customer decisions, giving financial institutions the control they need to adapt and grow with confidence.”

Maximilian Eber, Co‑Founder and Chief Product and Technology Officer, Taktile

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