1 Industries in Transition: A Framework for Data-centric Innovations in Insurance2 The insurance industry stands at the threshold of profound change. Digitalization is disruptive, providing extensive opportunities to drive more personalized offerings, minimize risk, reduce costs, and significantly boost competitiveness. Evidence of digitization changing the insurance industry: This ebook covers the emerging trends in Insurance and the set of capabilities required to attain and maintain leadership in a digitalized industry. 1 2020 Global Insurance Outlook: The drive for transformation and growth. EY, 2020. https:/ /assets.ey.com/content/dam/ey-sites/ey-com/en_gl/topics/ insurance/insurance-outlook-pdfs/ey-global-insurance-outlook.pdf 2 TIBCO Reference Project, 2020. 95 % Insurers

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