The presentation used by Ron Tolido in his Nov. 6 2014 visit to Folksam

2. Ron Tolido!
CTO, Capgemini Continental Europe!
Stockholm!
6 November 2014!
The 3rd Platform
digital transformation of insurance
!

3. TURNING
TECHNOLOGY
INTO
BUSINESS
TRANSFORMATION
LEADING DIGITAL"
3 YEARS OF JOINT RESEARCH…"

4. DigitalCapability!
Leadership Capability!
FASHIONISTAS!
!
DIGITAL MASTERS!
!
CONSERVATIVES!BEGINNERS!
• Many advanced digital features
(such as social, mobile) in silos!
• No overarching vision!
• Underdeveloped coordination!
• Digital culture may exist in silos!
• Strong overarching digital vision!
• Excellent governance across silos!
• Many digital initiatives generating
business value in measurable ways!
• Strong digital culture!
• Management skeptical of the
business value of advanced digital
technologies!
• May be carrying out some
experiments!
• Immature digital culture!
• Overarching digital vision exists, but
may be underdeveloped!
• Few advanced digital features,
though traditional capabilities may be
mature!
• Strong governance across silos!
• Active steps to build digital skills and
culture!
… showing 4 levels of Digital Mastery …!

5. … with insurance typically ranking ‘conservative’ …!
Banking
Consumer
Packaged
Goods
Insurance
Manufacturing
PharmaceuDcals
Retail
High
Technology
Telecoms
Travel
and
hospitality
UDliDes

6. … illustrated by our World Insurance Report 2014 …!

7. … showing room for (digital) improvement ….!

8. … and with every sector already having its Digital
leaders …!

9. * Average performance difference for firms in each quadrant versus the average performance of all large firms in the same industry for the 184 publicly-traded companies in our sample!
Basket of indicators:"
• EBIT Margin!
• Net Profit Margin!
DigitalCapability!
Leadership Capability!
REVENUE GENERATION EFFICIENCY!
+6%"
Basket of indicators:"
• Revenue / Employee!
• Fixed Asset Turnover!
+9%"
-10%"-4%"
DigitalCapability!
Leadership Capability!
PROFITABILITY!
%" +26%"
+9%"-24%"
-11%"
... with a significantly better financial performance..!

10. Digital has informed and
amplified customer
expectations!
Digital is removing
traditional constraints in
operations!
Digital business models can
reorder value chains and!
create new opportunities!
BUSINESS!
MODEL!
CUSTOMER!
EXPERIENCE!
OPERATIONS!
Digitally-modified business!Customer Understanding! Process digitization!
New digital business!Top Line Growth! Worker enablement!
Digital globalisation!Customer Touch Points! Performance management!
… knowing what digital drivers to apply …!

11. TECHNOLOGY! VISION!
ENGAGEMENT!GOVERNANCE!
… and making chance actually sustain!!

12. Back to the technology drivers, introducing
Technovision …!

13. .. a simple framework to position technology drivers
that underpin Digital Transformation …!

14. … with 7 Design Principles and 30 Trends …!
1. Vanilla Tastes Good
2. Reborn In The Cloud
3. Elastic Business
4. Close To The Edge
5. No Apps Apps
Sector as a
Service
1. Object Of Desire
2. Zen Of The Task
3. Sweat The Assets
4. Get A Life
5. End User, End
Producer
You
Experience
1. Social Is The New Oil
2. Profile As A Currency
3. Social Workers
4. No Work
5. Friend Your Vending
Machine
We
Collaborate
1. My Data Is Bigger
Than Yours
2. Intelligence Inside
3. Real Real Time
4. The Art Of Data
5. Data Apart Together
I
0
I
0
I
0
I
0
I
0
I
0
Thriving on
Data
1. Shades Of Process
2. Process Is The New
App
3. No Process
4. String of Silos
5. Co-Process
Process on
the Fly
1. Virtual Lego
2. What Would Amazon
Do?
3. Bon Risk Appétit
4. Let’s Get Physical
5. Orchestrate for Simple
Invisible
Infostructure
1. Born In The Cloud
2. Build Social
3. SMAC It Up
4. Business, Mon Amour
5. No Requirements
6. From Train to Scooter
7. Think Design
Design For Digital

16. den weergegeven. Mogelijk is er onvoldoende geheugen beschikbaar om de afbeelding te openen of is de afbeelding beschadigd. Start de computer opnieuw op en open het bestand opnieuw. Als de afbeelding nog steeds wordt voorgesteld door een rode X, kunt u de afbeelding verwijderen en opnieuw invoegen.

18. … driven by 3 clear, recurring themes …!
REPOSITION
REBORN
REINVENT

19. Radically rationalizing the core landscape...!
Once organizations have implemented or built their first cloud applications, they will find they have a
powerful cloud platform available that comes with these applications. They can now consider
leveraging more of that platform, not only to create additional solutions but also to renew the existing
applications landscape. This may be a matter of simply ‘cloud-enabling’ legacy applications by
providing them with a new front-end and integrate them with the cloud applications. But applications
can be completely ‘reborn’ too, taking full advantage of living in the cloud.

21. Re-bond
Reduce duplication, disparate
applications and drive efficiency
by consolidating of processes
Retire
Retiring the application in a
controlled manner, preserving
essential data in the Cloud
Resurrect
Improve integration and flexibility
through Cloud service
enablement
Rebuild
Build in a new language or re-
use the code on a modern Cloud
platform
Remediate
Re-factoring the application to a
better structure to improve
integration & flexibility
Replace
Assess current and to-be
business requirements and
upgrade/migrate to configurable,
cloud-based solutions
Re-platform
Move the application to a
modern, easily deployable Cloud
platform
Run
Keeping the application fed and
watered for the minimum effort
and cost
The 8 Rs of Application Destiny & the Cloud!

22. The 3Vs of Data landscaping …!
The rise in volume (amount of data), velocity (speed of data) and variety (range of data, both
structured and unstructured) gives way to new information architectures and tools that no longer only
collect and store but actually use data to create business value and provide usable insights. Start to
imagine what is possible when you are able to handle much more data than ever before, from sources
inside and outside the organization that were previously unthinkable, integrated and available in near
real-time.

23. … or Data Laking …!
HDFS
Customer
Insight
Marketing
campaign
Predictive
Maintenance
SQL
Layer
Transactional systems
CRM PLMERPSensor NetworkWeb Social Media MarketSupplier
De afbeelding kan niet worden weergegeven.
Mogelijk is er onvoldoende geheugen
beschikbaar om de afbeelding te openen of is de
afbeelding beschadigd. Start de computer
opnieuw op en open het bestand opnieuw. Als de
afbeelding nog steeds wordt voorgesteld door
een rode X, kunt u de afbeelding verwijderen en
opnieuw invoegen.

24. Cloud applications: It’s All In A Catalog!
Too much focus on requirements creates an artificial boundary between the Business and IT sides of
an organization. It’s a bridge, but one that is often difficult to cross. Instead, IT should be providing a
flexible, scalable catalog of secure and compliant enterprise services and solutions. It inspires the
business to assemble their own, unique solutions from it. Such a catalog is the foundation and
inspiration for Digital Transformation initiatives that can quickly be validated, turned into executable
plans and deployed. Think Catalog First!

25. Insurance as a Service…!

27. SMAC It Up: the 3rd platform has new rules!
Although the drivers of Social, Mobile, Analytics (or ‘Big Data’) and Cloud all have powerful
transformation impact themselves, the real breakthroughs are created by bringing them all together. In
this powerful melting pot, the drivers amplify each other, creating something much more compelling
than the sum of the parts. So whenever you consider a solution in one of these areas, systematically
look in the other areas as a default for synergetic inspiration.

28. 3rd
Life after the Mainframe and the PC …!

29. Moving between the platforms is life-changing …!

30. Going Digital across the insurance lifecycle …!
Research
and
Get
a
Quote
Policy
Servicing
Claims
Servicing
Policy
AcquisiDon
High
Importance
Area
for
Customers
Marmalade
TargeDng
Young
Drivers
VerD
–
A
Complete
Online
Insurance
Experience

31. … and the disruptive power of Social …!

32. Virtual and real worlds merge …!
While we usually associate technology with a virtual world, now the physical, ‘real’ world quickly
becomes part of it as well. With more and more tangible objects able to sense and store data and get
connected to the network, the boundaries between both worlds are blurring. The Internet of Things
provides unlimited opportunities for organizations to become ‘smarter’ and intimately linked to their
clients and partners. And the trend becomes full circle with the quick rise of 3D printing, enabling even
individuals to materialize concepts and ideas in a way that was unthinkable before: the virtual world
becomes real.

33. Things: connected and smart!

34. Ego System & the Quantified Self …!

35. …. and the quantified object …!

36. Let It Be: Innovation Happens Elsewhere …!
Centrally gathering all requirements, compiling them into a list of mobile initiatives and then building
the apps - one by one - does no justice to the development potential of the crowd, nor does it provide a
short time-to-market. Focus on building a ‘hub’ platform instead: a catalog of enterprise-level services
and APIs to catapult new apps, built by yourself and others, both inside and outside the company, by
individuals, business units or external partners. Then focus on mobilizing, enabling and supporting
your end producers; they will create the greatest mobile apps in return.

37. … exploring the API Economy …!

38. From Train to Scooter: multi-speed IT!
The next generation of Business Technology solutions has a short time to market, is created and
delivered in an agile way and is developed and owned in the nearest proximity of the business. These
solutions are much like Scooters and Cars, where the current applications landscape typically is
populated with Trains and Buses. Think about when to apply the right rhythm, build the ‘hub’ platforms
to support and start to explore new, flexible ways to build solutions, applying agile approaches such as
SCRUM and rapid development tools.

39. Different rhythms for different purposes …!

40. … with agile not just being ‘agile’ anymore …!

41. … and the Build/Release/Run/Repeat cycle
becoming shorter and shorter …!

42. The Next Disruptive Technology might be around
the corner …!

43. Summarizing …!
REPOSITION
REBORN
REINVENT

44. .. with much more on capgemini.com/technovision!

45. Ron Tolido!
CTO, Capgemini Continental Europe!
Stockholm!
6 November 2014!
The 3rd Platform
digital transformation of insurance
!