Going Digital

Are insurtechs all marketing talk, without substance, or can they solve the industry's value, complexity and trust problems?

We're beginning to see that distinction play out in corporate innovation programs: A few are producing lightning, but many are just catching lightning bugs.

If the complex renovation of systems at many insurers casts a cloud, then the silver lining is the greater scale that it will enable.

The future doesn't have to be uncertain: Micro-targeted, hyper-local mobile and social media advertising at scale is now possible.

The greatest improvement is to be wrought at the back end, by achieving transparency and straight-through processing.

Most companies lack the vision to connect even obvious dots if they’ve never before been connected. Don’t be most companies!

As Steve Jobs said, “Picasso had a saying, ‘Good artists copy, great artists steal.’" Innovators need to be like Picasso.

The digitization of assets is just the first step on a pathway that will lead to the next phase: creating the digital experience.