Technology modernization does not equate to digital transformation. Customer needs, employees and organizational culture, workflow and business processes—along with technology capabilities—must be at the heart of every transformation initiative.
Key components to a successful transformation initiative are diagrammed below.

Transformation is only successful if done in the context of business benefit realization. All investment decisions should be made with benefit realization and value creation in mind. Here is an example of a framework that allows the organization to identify targeted capabilities and enable and operationalize those capabilities in the context of business benefit realization framework.



Five AI Trends Reshaping Insurance in 2026
Winter Storm Fern to Cost $4B to $6.7B in Insured Losses: KCC, Verisk
AIG, Chubb Can’t Use ‘Bump-Up’ Provision in D&O Policy to Avoid Coverage
How Americans Are Using AI at Work: Gallup Poll 




