Fueling innovation through acquisition is perfectly fine as long as the end customer isn’t the one paying for the integration costs. With the recent report predicting that “big names in technology could be snatching up fintech start-ups” expect the Frankenstack vendors to be expanding their offerings possibly at the cost of providing agile and cost effective solutions. The smart money goes to those vendors who can deliver the innovation required for insurers in a single, unified architecture. This is an extremely difficult thing to find.