Pluto is a web application that makes travel insurance easy to understand, hassle-free, and more tailored to customers’ needs. In order to make a difference within the industry, the product has to distinguish itself from any other platform available – the UI needs to shine and a slick and fast UX is absolutely key to success. Code & Pepper took up the challenge to ensure Pluto delights users with its design and operates flawlessly in terms of development.

About Pluto

Pluto is a web application that makes travel insurance easy to understand, hassle-free, and more tailored to customers’ needs. In order to make a difference within the industry, the product has to distinguish itself from any other platform available. The brand and the UI really need to shine and a slick and fast UX is absolutely key to success.


When Code & Pepper initiated their talks with Pluto, the app development had already been started by other developers. However, after initial contact it turned out that Code & Pepper was able to deliver a product that exactly met the high demands of the industry. The mission was to design a web application that takes away the hardships of finding and buying the right travel insurance policy.

Solutions for Pluto

A practical and aesthetic approach to UI/UX Design

The team started off by studying the style guide and design library Pluto had created before engaging Code & Pepper. These basic elements were transformed into reusable components that could be applied across the web application. To ensure the components would function as expected, they were incorporated into the product development stage – customer journey, product flows, and mockup screens. This way, the whole structure and requirements of the product had been carefully studied and understood before the actual development process.

Focus on performance in front-end development

After designing the UI components and product flows, it was time to put them into work. A multiple-tool audit revealed a lot of room for improvement in the matter of performance. The initial page load could potentially impact business and lower the conversion. Code & Pepper have optimised several aspects of the app including lazy loading and GZIP compression (React, WebPack, JavaScript, Express, Heroku). We included React due to its outstanding efficiency in real-time data processing.

Integration with Starling Bank

Starling is one of the leading British digital banking services in the UK, providing its users with a special feature called Marketplace. In order to discover new user bases, it was decided to incorporate Pluto in the Insurance category. This way, clients can go to Pluto from Starling, buy a travel insurance and display the policy details in their account inside Starling Marketplace. The challenges in this part were related to the authentication process, which required several changes on the backend and frontend of the application.

I really value Code&Pepper for their proactive attitude, transparency, and detailed attention to security. The development team was always very helpful and open in explaining all technical matters.

Alex Rainey, CEO & founder at Pluto

Integration with Monzo Bank

The idea behind the integration with Monzo Bank was to create a separate service with Quote API – after sending a request with trip details, the user would receive information about the insurance price. The solution was created with Koa, TypeScript, Mongoose, JEST, integration and load tests using Artillery . The pricing engine, available in another service, needed to be coded from scratch as the existing one hadn’t been up to the quality standards Code & Pepper aims for.

Technologies and solutions for Pluto

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Open banking

Code & Pepper Services for Pluto

Developing your app can be an exciting journey

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Mission: redefine selling insurance online. Status? Accomplished!

St. Gallen, Switzerland
End-to-end Development, UI/UX Design, Web Development
Angular, Frontend, InsurTech


Developing software that can be safely used by legal and insurance industry requires understanding the level of responsibility behind the product and expertise in leading technologies. Code & Pepper contributed to the web development and design of Oathello, an exciting LawTech solution that is about to transform the business information exchange and decision-making processes as we know it.

About Oathello

Oathello is a digital document signing, execution and completion platform designed to accelerate the financial processes and data exchange. The solution enables the user to fill and deliver verified documents 100% online and self-serve. It reduces the delay associated to document certification from weeks to minutes! Acknowledged by Barclays Techstars Alumni and other respected financial partners, Oathello has a potential to redefine the reality of document flow in businesses and institutions. 


A self-service document completion, signing and verification tool was the vision Oathello founders headed for. However, they had to start with an MVP to prove their concept and attract investors for further development. The very first version of the product, created by Code & Pepper from scratch, involved limited functionality, but just enough to present the solution potential. We created an API-first solution that combined versatility and simplicity.

Solutions for Oathello

API-first development approach

When working on Oathello, we had to keep in mind that the tool is meant to integrate with other platforms. Instead of following the usual product-first development path, we chose the  API-first approach. Starting from the core mechanism behind the product resulted in a more developer-friendly structure, easier to integrate and adapt to different clients’ needs. From the business side of the story, producing API in the beginning was the perfect way to showcase Oathello’s functionalities and grab the attention of investors.

User experience = developer experience

It doesn’t happen often that the application’s user experience is designed for three parties: the business user, end user and developer. Oathello was different because its core concept is built around external platform integrations instead of a standalone product. An API-based structure helps developers work in a synchronous, efficient pattern and develop new services and features without risking an integration failure due to endless dependencies. The final result enables other platforms to build multi-level signing and witnessing procedures while the end user is guided through a clear and simple path. 

Code & Pepper provided an impressive level of service outside the original scope of requirements. At no additional charge, they proactively redesigned the product to enhance the final version. They took on the bulk of project management responsibilities and facilitated an open line of dialogue throughout.

Duncan Campbell, Head of Product at Oathello

Web interface

For starters, we focused on car insurance. The goal was to let the customer complete the accident report and car rental claim online, from start to finish. This process had to include digital signing with the possibility to prove that the signing took place. Apart from that, the platform should enable document tracking and recall. 

Document signing on mobile devices

Reading small-print documents on a smartphone is a struggle that all Oathello users would be facing. This required designing a fully independent mobile interface with a custom user flow.

Technologies and solutions for Oathello

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UI/UX design

Code & Pepper services for Oathello

It’s your time to turn the tables on the LawTech market

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Flex Funding

Smart UX and UI design brought to life with Angular for profitable investing and lending

Copenhagen, Denmark
UI/UX Design, Web Development
Angular, Frontend


Flink by Helvetia Insurance is a new generation of household and private liability InsurTech products that change the way of selling insurance on the Swiss market. The task for Code & Pepper was to create and implement a new UX/UI design to achieve the client’s strategic goals – higher conversion and application usage rates.

About Flink

Helvetia Insurance, an industry leader on the Swiss market, wanted to launch a new, revolutionary InsurTech product. The idea was to provide the simplest individual insurance policies for practically anyone’s belongings (MyThings) or potential damage the customer might accidentally cause to other people or their items (MyDamages). With only half a page of text and simple illustrations, Flink has the world’s shortest insurance contracts, and probably the simplest.


The first version of Flink was built by a local agency and released to the market. The team behind Flink consisted was responsible solely for business development, with no technical staff. The fast development of the live InsurTech product combined with a time-consuming recruitment of front-end (Angular) and back-end (Java) developers forced the company to look for professional help, which they found at Code & Pepper.

Solutions for Flink

Rapid team onboarding

Flink decided to hire an experienced agency that would be responsible for the development of InsurTech in the end-to-end model (design, front-end and back-end development), but at the same time working hard with their business team. Code & Pepper was a good fit as we provided a part-time UI/UX designer so that the requirements could be quickly and efficiently translated to interface design and the actual backlog on the programming side.

Hand-in-hand cooperation

After the Flink business team approved the application design, it was time for front-end and back-end developers to do their very best. Understanding the business logic and close cooperation with the client were key to help Helvetia Insurance establish product requirements and collect valuable insights about the customers and the market. 

External service integration for effective event tracking

To implement efficient user behaviour analytics, we decided to use Segment, a robust solution recommended by global companies like Atlassian and IBM. In order to measure insurance policy conversion rate and track key user behaviours inside the application, the events and properties were implemented according to a custom tracking plan.

We value Code & Pepper for the high quality of their work and for their positive attitude. Working in the team-to-team model meant that we all felt equally responsible for the product, solved problems more effectively and generated positive energy that stayed with us throughout the project.

Daniel Kunz, Chief Product Officer at Flink

Technologies and solutions for Flink

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ś Service integration
Flexible team

Code & Pepper services for Flink

UI/UX Design

From defining and managing product requirements to creating the new UI/UX design and optimised conversion

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How Code & Pepper helped Nimbla support business owners with invoice insurance and more

London, United Kingdom
Mobile Development, UI/UX Design, Web Development
API, InsurTech, Node.js, React
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