Sapiens International Corporation N.V. and its subsidiaries provide software solutions for the insurance industry primarily in North America, the United Kingdom and rest of Europe, Israel, and the Asia Pacific. It offers software solutions for the management of a range of products, including Sapiens ALIS, Sapiens TOPAZ, Sapiens Retirement, and Sapiens Closed Books for life, pension, annuity, and retirement. The company also provides a software suite of solutions supporting various business lines, including personal, commercial, and specialty lines, as well as a solution for the management of reinsurance contracts. These solutions include Sapiens IDIT and Sapiens Reinsurance. In addition, it offers Sapiens DECISION, an enterprise-scale platform that enables institutions to author, store, and manage various organizational business logic. The banks, mortgage institutions, and insurers use Sapiens DECISION to track, verify, and ensure that every decision is based on the up-to-date rules and policies. Further, the company provides technology-based solutions based on its eMerge platform, which provides end-to-end, modular business solutions, ensuring rapid time to market. Additionally, it offers services, such as project delivery and implementation, business and technical consulting related to products, project and program management, training, user acceptance testing, migration, maintenance and support services, hosting, and product upgrades. The company markets and sells its products and services through direct sales force, as well as through channel partners and system integrators. Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel.