A disappointing report from Altus Consulting, showing that our industry still has some way to realise the vision of being the "Digital First" industry we need to be.

There is so much we can do at a tactical level to deliver quick wins and move us off the "4% digital" we seem anchored to, especially in claims.

These quick wins can fund the next stage projects and move any insurer along the journey to truly realising the very best, digitally assisted, human service an insurer can provide.

It needs a vision, tactical and strategic plans and a leader who can steer the organisation through the journey. But it can be done.

Who wants to reap the benefits of getting there ahead of the competition?