The Digital Landscape Panel

Moderator: Christine Haeberlin, IBMBrian Bartosh, Top o’ MichiganDebbie Olsen, ingenieEd Meiering, Aviva CanadaJohn Belyea, Moore McLeanJohn Foreman, ePath Consulting

© 2015 IBM Corporation

Digital Landscape PanelNecessary Changes for Brokers to Thrive

Christine Haeberlin May 26, 2015

SHIFT 1Data is becoming the world’s new natural resource, transforming industries and professions.

SHIFT 2The emergence of cloud is transforming IT and business processes into digital services.

SHIFT 3Mobile and social are transforming individual engagement – creating expectations of security, trust and value in return for personal information.

The new era is defined by three shifts:

OUR POINT OF VIEWData is the new basisof competitive advantage.

OUR POINT OF VIEWCloud is the path to new business models.

OUR POINT OF VIEWA systematic approach to engagement isnow required.

3 © 2015 IBM Corporation

At the same time, digital transformation is impacting all levels of business and society, creating a individual-centered economy

Individuals are more connected and empowered

Increased consumer expectations

Different ways to engage digitally

Expanded information transparency

Operations and business models are being transformed

Redefined consumer value

Integration across digital with physical

Concerns around risk, security, compliance and privacy

Competition is coming from new and different areas

New competitors from different industries

Changes in value migration; new winners and losers

New types of collaboration

Business Challenges

Business Challenges

Business Challenges

Business challenge

Mobile revolution

Social media explosion

Cloud Enablement

Power of analytics

Forces

Source: 2011 IBM Digital Transformation Study, IBV Analysis

It is becoming clear that the combined impact of new technologies will be even more profound, potentially driving radical innovations in business

Today Future

Mobile wallet turns dollars digital

Integrate internal / external data sources

Miniaturization of mobile devices, from palm-sized

to wearable

Boundary-less computing

Big data and predictive analytics

Organizations subject to instant critiques

User generated content

Personalized consumer service

Cross-platform on-demand

content

Location-based services

Collaborative buying and revenue sharing

Subscription access to enterprise applications

Inevitable disruption

Power of Analytics

Cloud Enablement

Social media explosion

Mobile revolution

“Although [social, mobile, analytics, and cloud] are… disruptive

on their own; together they are revolutionizing business and

society, disrupting old business models and creating new leaders.”

– Gartner2

Source: [1] IDC Predictions 2013: Competing on the 3rd Platform,“ IDC, November 2012; [2] http://www.gartner.com/technology/research/nexus-of-forces/

98% of the growthin IT spending between

2013 and 2020 will comprise social,

mobile, analytics and cloud

- IDC1

The Digital Landscape Panel Questions

1. What does digital mean to your organization today?2. In the context of insurance sales and service

(customer experience), how high a priority is digital for you, what are you doing and what are your goals?

3. What are the obstacles that need to be overcome?4. What role will our BMS/CMS’s play in the digital

landscape?5. How do brokers provide value to customers if

business is conducted online?6. If the best way to predict the future is to invent, what

innovation do you see for our industry?

The Digital Landscape Panel

Moderator: Christine Haeberlin, IBMBrian Bartosh, Top o’ MichiganDebbie Olsen, ingenieEd Meiering, Aviva CanadaJohn Belyea, Moore McLeanJohn Foreman, ePath Consulting