A great survey from McKinsey showing that it is not technology that is holding back digitalisation. 

This is particularly true of the insurance industry.

Conservatives organisations, run in silos with multiple policy admin systems, which create boundaries to operational performance excellence are the norm. Technology can sort the legacy PAS problem out fairly easily. Getting a 360 degree customer view is genuinely just table stakes today.

Sorting out the operational silos and conservative attitudes is a behavioural and cultural change requirement that will only ever come from strong leadership showing vision and motivation.