Insurers are reducing their vertical integration and at the same time want to offer new services for mobility, living, health, travel, etc.. For both, they depend on efficient collaboration via digital channels with their customers and service providers. The new ways of working are enabled by collaboration tools and service offer/referral via powerful interfaces ("API economy"). The increasingly rapid pace of innovation requires a flexible, scalable enterprise architecture. The cloud - as hybrid and multi-cloud - is not a question of "if?" for insurers, but only of "how?".

The key to success will be mastering new technologies and new forms of collaboration, but above all a change in corporate culture.

Insurers are digitally networking with their ecosystem to gain critical capabilities in a division of labor. Personal data, object data or transaction data are securely exchanged via common digital interfaces. For end customers, this results in a consistent "experience" to their concerns, regardless of which service provider is currently contributing.

Above all, insurance and technological expertise are brought together more quickly and flexibly, and costs are reduced. Insurers are thus always one step ahead of the competition.