[...] All of this complexity is somewhat hidden with BPM framework. First of all the process is first drawn. Using a special notation known as BPMN. This is actually quite natural. You use arrows to show how insurance claim changes state over time - and why. Then the diagram is translated into fairly standard XML. Now those pesky developers need to fill in the gaps. I mean, writing code that does some logic. For example sending an SMS when a claim enters a certain state. Or transferring money when a transition happens from one state to another. [...]

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