The insurance industry is increasingly embracing digital transformation and evolving business models to improve customer experience, streamline operations, provide innovative products and enhance risk management. Digital technologies, such as cloud, artificial intelligence (AI), data analytics and automation, are pioneering the modernisation of insurance organisations and improving the total customer value proposition. KPMG global research identified that the insurance industry continues to drive a digital-first approach, with customer centricity continuing to be key to capture and sustain business growth1 .