Insurance carriers are in a race to modernize. In today’s cost-sensitive, highly regulated environment, data has become the defining competitive edge, but only if it is governed, orchestrated, and activated effectively. From underwriting to claims to customer engagement, data teams at insurers are realizing that a modern orchestration layer is now foundational to both market differentiation and growth.

This whitepaper outlines the five most critical data-driven investment areas for insurance carriers over the next three years:

• Data Governance, Security & Compliance
• Data Platform Modernization
• AI-Driven Underwriting & Pricing
• Claims Automation & Fraud Reduction
• Personalized Customer Experience