Going Digital

The traditional process needs to be reversed: The business side can't simply hand off requirements to programmers any more.

To plan, it is helpful to examine how other industries have either successfully navigated large changes and prospered, or have disappeared.

"Keyless" data integrity standards let insurers identify the cause of a breach and mitigate the risk of escalation -- in real time.

Following these rules won't guarantee success -- business is a contact sport -- but will help you turn size into an advantage.

The partnership will let insurers compete in a mobile-first, customer-driven world -- but IBM and Apple will not find smooth sailing.

We should be in no hurry to regulate Uber et al. Some decisions are necessary now, to protect consumers, but they must have rigid sunsets.

The average time to implement a product is 7.5 months -- but some innovative companies now do it in less than five days!

If you buy a donut somewhere, even as a treat for a grandchild, a company may be recording that information and selling it to your insurer.