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Leveraging the power of digital insurance is no longer simply about incorporating technologies into the organization. It’s about reinventing the insurance organization—and the culture within it—to drive innovation, to drive change, to drive the business into the next generation.

Disruptive digital strategies are still emerging, but the proactive insurers that take the next few years to carve out their places in newly forming digital ecosystems will be those that define their own destiny. The question for every insurer is this: Can you lead your people to get there?

You can read more about this year's Technology Vision trends and the four pillars of a successful digital culture by downloading the report. It includes the views of the 445 mostly C-suite insurance executives who took part in the global Technology Vision survey.


In the first of a four part video series, John Cusano, senior managing director, Global Insurance Industry Practice, speaks to the theme of this year’s Technology Vision for Insurance.

Explore the infographic and trends for 2016:​​​​​


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Intelligent Automation

The essential new co-worker for the digital age

Machines and artificial intelligence will be the newest recruits to the workforce, bringing new skills to help people do new jobs, and reinventing what’s possible. Intelligent automation will give insurers new-found power to drive change. And artificial intelligence will soon become a core competence—a pervasive capability for every aspect of insurance.

82% of insurers agree AI-driven automation will be seamlessly embedded into every aspect of business over the next 5 years
82% of insurers are investing more in embedded artificial intelligence solutions
35%insurers that have realized savings of 15% or more from automating systems & processes in the past 2 years.

Liquid Workforce

Building the workforce for today’s digital demands

Insurers must look at technology as not just a disrupter, but also an enabler to transform their people, projects and entire organizations into a highly adaptable and change-ready enterprise. A new liquid workforce can become their new competitive advantage. Without a fresh look at their workforce, traditional insurers may find themselves unable to keep pace with the digital change brought about by the next wave of digital technologies.

90% of insurance executives report that the need to train their workforce is more important today than 3 years ago
78% of insurers agree that a more fluid workforce will improve innovation
42% of the insurance workforce is expected to comprise contract, freelance or temporary positions in 3 years’ time


Platform Economy

Technology-driven business model innovation from the outside in

The strategic use of technologies to create platform business models is driving unprecedented growth opportunities in the rapidly expanding digital economy—and for insurers. Like Silicon Valley’s giants of platform capitalism, insurers need to invest in platforms as a long-term play.

83%of insurers expect platform-based business models to become part of their growth strategy in 3 years
36% of insurers believe adopting a platform-based business model and engaging in ecosystems of digital partners are critical to business success
81% of insurance executives agree that platforms will be the glue that brings organizations together in the digital economy

Predictable Disruption

Looking to digital ecosystems for the next waves of change

Fast-emerging digital ecosystems create the foundation for the next big wave of enterprise disruption in insurance. The threat they pose: the rise of new competitors. The opportunity they promise: a means for insurers to put themselves on a path of higher growth for the future. This time, disruption is predictable; forward-thinking insurers have the line of sight to redefine their role, and fundamentally change how they create and deliver their products.

83%of insurers see the Internet of Things bringing about complete transformation or significant change in the industry
51% of insurers are planning to pursue digital initiatives with new digital partners within their industry over the next 2 years
84% of insurers agree that organizations are being increasingly pressed to reinvent themselves and evolve their business before they are disrupted

Digital Trust

Strengthening customer relationships through ethics and security

Trust is the cornerstone of the digital economy. To gain the trust of individuals, ecosystems and regulators in the digital economy, insurers must possess strong security and ethics at each stage of the customer journey.

New insurance products and services for a connected age must be ethical and secure-by-design. Insurers that get this right will enjoy such high levels of trust that their customers will look to them as guides for the digital future.

49% of insurers report their organization has suffered from twice as many privacy or security breaches compared to two years ago
78% of insurers agree they are exposed to more risks than they are equipped to handle as a digital business
85% of insurers believe trust is the cornerstone of every business in the digital economy


About Technology Vision

Every year, the Technology Vision team collaborates with Accenture Research to identify the emerging IT developments that will have the greatest impact on organizations in the next three to five years. The process in 2016 started by gathering inputs from the Technology Vision External Advisory Board, a group comprising more than two dozen executives and entrepreneurs from the public and private sectors, academia, venture capital and start-up companies.

The Tech Vision team also conducted interviews with technology luminaries, industry experts and Accenture business leaders. To supplement the cross-industry findings with industry-relevant insights, we tapped into the expertise of Accenture’s dedicated insurance research team and insurance subject matter experts.

For the second year running, Accenture conducted a global survey of more than 3,000 business and IT executives across nine countries in order to understand their perspectives on key technology challenges they face, and identify their priority investments over the next few years. The insurance sample included 445 respondents from across the world.

John Cusano
John  Cusano
Global Insurance Industry Lead
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Andrew Starrs
Andrew Starrs
Group Technology Officer – Financial Services
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