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The Digital Insurer: Creating a connected future

Capitalizing on digital innovation to achieve relevance, growth and profitability

About the digital insurer

In this digital age, opportunities and threats are often different sides of the same coin. Customers are less loyal and more demanding; competitors are entering the industry with radical ideas unburdened by legacy systems or mindsets. Disruption is inevitable; insurers must decide whether they will be among the disruptors or one of their casualties.

Digital insurers are harnessing the power of digital technologies to re-conceptualize their business models around the customer, and seize the opportunities of a fluid marketplace. They are creating unique customer experiences through new combinations of information, business resources and digital technologies. They take an outside-in, or customer-centric view of the organization, and use innovative strategies, products, processes and experiences to create new revenue.

They balance their investments between improving their existing products, processes and systems, and transforming their business and operating models for new revenue streams. And because the future is becoming less predictable every day, digital insurers build agility into everything they do.

Future of insurance

Digitizing insurers’ business and operating models, using combinations of disruptive new technologies to reduce costs, improve the customer experience and enhance agility.

Intelligent automation

Improving competitiveness by using smart machines and data & analytics to increase productivity and accuracy, support workforces and reinvent customer interaction.

Connected insurance

Creating new business models based on IoT-enabled digital platforms and ecosystems, big data, and an array of innovative products and risk-protection services

Living services

Transforming insurance, through digitization, into mass-customized services and experiences that meet customers’ liquid expectations and change as their needs evolve

Digital Trust

Restoring trust in insurers by safeguarding systems, managing customer data with integrity, and improving regulatory compliance