sum.cumo was founded in 2010 and the company is specialized in end-to-end digitalization for insurers and lotteries. Since 2020, sum.cumo has been part of Sapiens International Corporation. Together, we are the most complete provider for the digitalization of business models in the insurance industry. sum.cumo Sapiens pursues a holistic approach that is designed to use modern technologies to improve the performance of customer needs through flexible products and networked sales and service channels.