Despite governmental regulations, there are nearly 45 000 vehicles on the road without mandatory traffic insurance.

The process of handling insurance neglect is quite complex, resulting in inconsistent data, complex rules allowing neglected insurance and lengthy processes for identifying and collecting penalty fees. All this leads to an inefficient vehicle insurance system.

Finland’s State Treasury (FST) makes decisions on and processes traffic insurance neglects in cooperation with the Finnish Motor Insurers’ Centre and the Transport and Communications Agency. It realized that it needed a better way to prevent any money being left on the table from process inefficiencies and unpaid premiums.

This meant replacing siloed, manual-based processes with more efficient and user-friendly ways of working. FST decided to explore the potential use of blockchain technology.

What Accenture did

Using design thinking, rapid prototyping and agile methodology, Accenture and the Finnish State Treasury (FST) developed a prototype to illustrate how blockchain technology can address a complex challenge that involves an ecosystem of several private and public sector stakeholders.

Blockchain-based vehicle identity allows people to safely share time-sensitive data simultaneously, transforming government registries into distributed information management systems between different clients. It also showcases what a new process of buying insurance could look like for the end user. With blockchain and progressive web app technologies, the team designed and launched a cross-platform application called AJAA, which is Finnish for “driving”.

"Accenture’s in-depth knowledge in technology and design enabled us to complete the proof of concept and tangibly demonstrate the business benefits of the redesigned concept."

— TOMI POIKOLA, CIO – Finland State Treasury

People and culture

By rethinking existing ways of working, Accenture and FST innovated a completely new ecosystem for vehicle identity and insurance.

From title transfers to acquiring compulsory motor insurance, the user-friendly interface guides the customer step by step through all necessary processes within a matter of minutes. There is no ambiguity about what the requirements are or how to meet them.

Plus, the application works across web, desktop and mobile phones. So buying or selling vehicles is now easier than ever.

Moreover, the AJAA application can monitor all vehicle data – such as ownership, transaction and insurance – directly on the desktop dashboard, so authorized ecosystem participants can access it and ensure Finland’s roads are protected.


uninsured vehicles on Finland’s roads


euros unpaid insurance premiums


application works across web, desktop and smart phones

Value delivered

This pilot was the first in Finland to implement a functioning blockchain system for vehicle identity to communicate and ideate new business models for future traffic ecosystem.

The decentralized cooperation model with complete data lineage can deliver significant benefits to the public and private sectors as well as to all Finns: reduced costs, enforced compliance, process awareness, faster resolution of neglected insurance and ultimately, more secure traffic.

An ecosystem approach to blockchain made it easy to build applications for current and new business cases that need distributed, real-time and secure data access with one source of truth. Most notably, Accenture and FST have been able to show what the future of vehicle information logistics could look like and what it could enable for efficiency gains, customer satisfaction and new product innovation.

Meet the team

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