Going Digital

While fraud is declining in most industries, it is rising in insurance, where emphasis on quick "time to bind" blocks countermeasures.

Decades into the digital age, customers still fill out paper forms, repeatedly provide the same information -- and get frustrated. 

The development of a free, industry standard for designing chips suggests that computing power will keep growing exponentially. 

The first wave taught the valuable lesson that innovation builds on traditional fundamentals rather than replacing them outright.

The promised land of all those tech investments has yet to be reached. New thinking is needed, to produce an ever-evolving ecosystem. 

Embedded insurance, customer-facing digital tools, telematics and the IoT, rich data sets and AI and ML will mark a paradigm shift.

Technology can transform traditional practices, elevating efficiency and enhancing overall policyholder experiences.

Analysis of the 49ers' loss to the Browns on Sunday provides a perfect example of a cognitive blind spot that hinders innovation.