Customer data. An area of vast potential but a potential minefield from a regulatory perspective. If insurers can effectively harness the value of their customer data, there are opportunities to deliver tonnes of value in countless capacities. But, as is so true with insurance, where one finds innovation, regulations are sure to appear close by. Regulations are no more likely to become less stringent this year than before, quite the opposite actually, but if insurers want to make better use of their customer data, then they’ll have to learn how to either innovate around those regulations or understand regulators better to know what innovations will and won’t be allowed.

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