Most insurance institutions have complex mixtures of legacy packaged and custom applications. Most insurers are migrating to packaged applications, which causes a high amount of change and uncertainty.
Complex core systems which are most often packaged applications are being coupled with other custom built software to build capabilities to do straight-through processing. Performance, usability and availability are key to these channels being productive. Many customers are directed through comparison sites meaning they have already gone through one hurdle to access service offerings.