{"id":154438,"date":"2025-06-16T10:30:57","date_gmt":"2025-06-16T14:30:57","guid":{"rendered":"https:\/\/innowise.com\/?p=154438"},"modified":"2026-01-08T02:09:07","modified_gmt":"2026-01-08T07:09:07","slug":"dataanalyse-for-forsikring","status":"publish","type":"post","link":"https:\/\/innowise.com\/nb\/blog\/data-analytics-for-insurance\/","title":{"rendered":"Dataanalysens rolle i \u00e5 revolusjonere forsikringsbransjen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"154438\" class=\"elementor elementor-154438\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba6736d main-block e-flex e-con-boxed e-con e-parent\" data-id=\"ba6736d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-da83859 e-con-full e-flex e-con e-child\" data-id=\"da83859\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d1a43f elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"9d1a43f\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"breadcrumbs flex\">\n    <div class=\"info\"> \n    <a href=\"https:\/\/innowise.com\/\">\n  Main\n  <\/a>\n    <\/div>\n    <div class=\"info\">\n         <a href=\"https:\/\/innowise.com\/about-us\/\">\n  About us\n  <\/a>\n    <\/div>\n     <div class=\"info\">\n          <a href=\"https:\/\/innowise.com\/blog\/\">\n  Blog\n  <\/a>\n    <\/div>\n<\/div>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\", \n  \"@type\": \"BreadcrumbList\", \n  \"itemListElement\": [{\n    \"@type\": \"ListItem\", \n    \"position\": 1, \n    \"name\": \"Innowise is on Top: We Are No. 554 on Inc. 5000 Annual List\",\n    \"item\": \"https:\/\/innowise.com\/blog\/inc-5000-puts-innowise-group-among-the-fastest-growing-technology-companies-in-the-usa-2022\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 2, \n    \"name\": \"Blog\",\n    \"item\": \"https:\/\/innowise.com\/blog\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 3, \n    \"name\": \"Main\",\n    \"item\": \"https:\/\/innowise.com\/\"  \n  }]\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f2a9db elementor-widget__width-initial elementor-widget-tablet__width-inherit main-h1 elementor-widget elementor-widget-heading\" data-id=\"9f2a9db\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">The role of data analytics in revolutionizing the insurance industry<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a33aa94 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"a33aa94\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"blog-article-info\">\n    <a href=\"https:\/\/innowise.com\/authors\/dmitry-nazarevich\/\">\n    Dmitry Nazarevich\n    <\/a>\n    <div class=\"blog-article-info_other\">\n        <span>Jun 16, 2025<\/span>\n        <span>20 min read<\/span>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b004051 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"b004051\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"440\" height=\"330\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Small-cover_BP_The-role-of-data-analytics-in-revolutionizing-the-insurance-industry.jpg\" class=\"attachment-large size-large wp-image-184102\" alt=\"\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Small-cover_BP_The-role-of-data-analytics-in-revolutionizing-the-insurance-industry.jpg 440w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Small-cover_BP_The-role-of-data-analytics-in-revolutionizing-the-insurance-industry-300x225.jpg 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Small-cover_BP_The-role-of-data-analytics-in-revolutionizing-the-insurance-industry-16x12.jpg 16w\" sizes=\"(max-width: 440px) 100vw, 440px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e62a306 article-description e-flex e-con-boxed e-con e-parent\" data-id=\"e62a306\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ae28945 author-article e-con-full e-flex e-con e-child\" data-id=\"ae28945\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-866aba3 e-con-full e-flex e-con e-child\" data-id=\"866aba3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4da60a elementor-widget elementor-widget-shortcode\" data-id=\"d4da60a\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[summarize_button_ai]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eec2ed4 e-con-full e-flex e-con e-child\" data-id=\"eec2ed4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-085cdc9 elementor-widget elementor-widget-text-editor\" data-id=\"085cdc9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Insurance was never built for speed. Or flexibility. It\u2019s one of those industries that still carries a legacy of static models, rigid processes, and risk categories that haven\u2019t been updated since fax machines were considered cutting-edge.<\/span><\/p><p><span style=\"font-weight: 400;\">And yet, it\u2019s changing.<\/span><\/p><p><span style=\"font-weight: 400;\">Not because someone decided it was time for a digital facelift, but because the volume and value of data finally tipped the scale. When I talk to insurance executives, there\u2019s always that moment where they realize their biggest asset isn\u2019t the policies they underwrite. It\u2019s the data they\u2019ve been sitting on for years, mostly unused, mostly siloed.<\/span><\/p><p><span style=\"font-weight: 400;\">This article isn\u2019t a cheerleading piece about \u201cdigital transformation.\u201d It\u2019s a hard look at <\/span><b>how data analytics is actually reshaping the insurance business: <\/b><span style=\"font-weight: 400;\">from underwriting and pricing to fraud detection, claims, and customer experience. I\u2019ll also share how the smartest players are applying it (not just talking about it) and what separates real results from wasted budgets.<\/span><\/p><p><span style=\"font-weight: 400;\">If you lead in insurance, this teaches you how to use data to make better decisions and move faster.<\/span><\/p><p><span style=\"font-weight: 400;\">Let\u2019s get into it.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-151595e e-con-full takeways e-flex e-con e-child\" data-id=\"151595e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0499923 elementor-widget elementor-widget-heading\" data-id=\"0499923\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key takeaways<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80f83b2 elementor-widget elementor-widget-text-editor\" data-id=\"80f83b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li><span style=\"font-weight: 400;\">Traditional insurance models are no longer enough. Gut-feel decisions and static risk categories are being replaced by dynamic, real-time analytics that reflect how people behave.<\/span><\/li><li><span style=\"font-weight: 400;\">Dashboards provide useful visibility, but the real advantage comes when analytics is embedded across <a href=\"https:\/\/www.a3logics.com\/insurance-underwriting-and-risk-assessment\/\" target=\"_blank\" rel=\"noopener nofollow\">underwriting<\/a>, pricing, fraud detection, and customer engagement.<\/span><\/li><li><span style=\"font-weight: 400;\">Predictive analytics helps insurers cut costs by up to 67% and increase revenue by 60%. Fraud detection alone accounts for over $300B in annual savings.<\/span><\/li><li><span style=\"font-weight: 400;\">Insurers who get this right move faster. They price more accurately, detect fraud earlier, settle claims faster, and offer tailored policies in their customers\u2019 interest. In short, they win.<\/span><\/li><li><span style=\"font-weight: 400;\">86% of insurers already use analytics for core decisions. If you&#8217;re not treating data as a strategic asset yet, you\u2019re not just behind, you\u2019re exposed.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c66cdd e-con-full e-flex e-con e-child\" data-id=\"6c66cdd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c540e25 elementor-widget elementor-widget-text-editor\" data-id=\"c540e25\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Insurance with data analytics vs traditional insurance<\/h2><p><span style=\"font-weight: 400;\">You can tell a lot about a company by how it makes decisions. In insurance, the old-school approach persists in some cases: rigid risk models, siloed legacy systems that don\u2019t communicate, and decisions based more on habit than insight.<\/span><\/p><p><span style=\"font-weight: 400;\">Meanwhile, the frontrunners are doing something very different. They&#8217;re not estimating risk, they\u2019re modeling it.<\/span><\/p><p><span style=\"font-weight: 400;\">Here\u2019s how the two approaches stack up:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3551ab3 e-con-full e-flex e-con e-child\" data-id=\"3551ab3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-513eed4 custom-table table-2 elementor-widget elementor-widget-html\" data-id=\"513eed4\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n<div class=\"cust-table-wrapper\">\r\n    <table class=\"cust-table\">\r\n        \r\n        <tr class=\"cust-table__header\">\r\n            <th><strong>Aspect<\/strong><\/th>\r\n            <th><strong>Traditional insurance<\/strong><\/th>\r\n            <th><strong>Data-driven insurance<\/strong><\/th>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Decision-making<\/strong><\/td>\r\n            <td><span>Based on static rules and past averages<\/span><\/td>\r\n            <td><span>Informed by real-time data, predictive models<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Tools<\/strong><\/td>\r\n            <td><span>Excel spreadsheets, siloed systems<\/span><\/td>\r\n            <td><span>BI platforms, unified dashboards, automated pipelines<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Risk assessment<\/strong><\/td>\r\n            <td><span>Generalized risk categories<\/span><\/td>\r\n            <td><span>Granular risk profiling with behavioral and external data<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Fraud detection<\/strong><\/td>\r\n            <td><span>Manual reviews, red-flag lists<\/span><\/td>\r\n            <td><span>Pattern recognition, anomaly detection, machine learning<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Customer experience<\/strong><\/td>\r\n            <td><span>One-size-fits-all policies<\/span><\/td>\r\n            <td><span>Personalized offers based on individual behavior and lifecycle events<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Claims processing<\/strong><\/td>\r\n            <td><span>Slow, manual, paper-heavy<\/span><\/td>\r\n            <td><span>Automated, rules-based, and AI-assisted workflows<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Scalability<\/strong><\/td>\r\n            <td><span>Hard to adapt, bottlenecked by manual work<\/span><\/td>\r\n            <td><span>Scales easily with systemized data infrastructure<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Insights<\/strong><\/td>\r\n            <td><span>Delayed and fragmented<\/span><\/td>\r\n            <td><span>Real-time, visualized, actionable<\/span><\/td>\r\n        <\/tr>\r\n        \r\n    <\/table>\r\n<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aea1f39 elementor-widget elementor-widget-html\" data-id=\"aea1f39\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<button class=\"cust-table__toggle-button\">\n    <span class=\"toggle-button_label--show\">Show more<\/span>\n    <span class=\"toggle-button_label--hide\">Show less<\/span>\n<\/button>\n\n<script>\n\"use strict\"\n    \nclass ItemHideButton {\n    constructor(options) {\n        this.init(options)\n    }\n\n    init(options) {\n        const { button, itemsToHide, hiddenItemClass, hiddenButtonLabelClass, numItemsToStayVisible, hideLabel, showLabel, container } = options;\n        \n        this.container = container;\n        this.button = button\n\n        this.hideLabel = hideLabel\n        this.showLabel = showLabel\n\n        this.numItemsToStayVisible = numItemsToStayVisible;\n        this.hiddenItemClass = hiddenItemClass;\n        this.hiddenButtonLabelClass = hiddenButtonLabelClass;\n\n\n        this.controlledItems = [...itemsToHide]\n\n        this.connectButton()\n\n        this.hideItems()\n    }\n\n    reset() {\n        this.controlledItems.forEach((item => item.classList.remove(this.hiddenItemClass)))\n        this.button.removeEventListener(this.clickEventListenner);\n    }\n\n    reInit(options) {\n        this.reset()\n        this.init(options)\n    }\n\n    hideItems() {\n        this.itemsHidden = true;\n        this.controlledItems.slice(this.numItemsToStayVisible).forEach((item => item.classList.add(this.hiddenItemClass)))\n    }\n    showItems() {\n        this.itemsHidden = false;\n        this.controlledItems.slice(this.numItemsToStayVisible).forEach((item => item.classList.remove(this.hiddenItemClass)))\n    }\n\n    connectButton(observerOptions) {\n        this.hideLabel.classList.add(this.hiddenButtonLabelClass)\n\n        this.clickEventListenner = () => {\n\n            if (this.itemsHidden) {\n                this.showItems()\n            } else {\n                const initialHeight = this.container.getBoundingClientRect().height;\n\n                this.hideItems()\n\n                const newHeight = this.container.getBoundingClientRect().height\n\n                window.scrollBy({\n                    left: 0,\n                    top: newHeight - initialHeight,\n                    behavior: \"instant\"\n                });\n            }\n\n            this.hideLabel.classList.toggle(this.hiddenButtonLabelClass)\n            this.showLabel.classList.toggle(this.hiddenButtonLabelClass)\n        }\n\n        this.button.addEventListener(\"click\", this.clickEventListenner);\n    }\n\n}\n<\/script>\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", () => {\n    const button = new ItemHideButton(\n        { \n            button:document.querySelector(\".cust-table__toggle-button\"),\n            hideLabel: document.querySelector(\".cust-table__toggle-button .toggle-button_label--hide\"), \n            showLabel: document.querySelector(\".cust-table__toggle-button .toggle-button_label--show\"),\n            \n            itemsToHide:document.querySelectorAll(\".table-2 .cust-table__item\"), \n            \n            hiddenItemClass: \"hidden\", \n            hiddenButtonLabelClass: \"hidden\", \n            \n            numItemsToStayVisible: 4, \n            \n            \n            container: document.querySelector(\".table-2 .cust-table-wrapper\")\n        }\n    )\n})\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d46d885 elementor-widget elementor-widget-text-editor\" data-id=\"d46d885\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">And that\u2019s the real shift, not just in tools, but in mindset. Traditional insurance lags behind. Data-driven insurance cuts to the chase.<\/span><\/p><p><span style=\"font-weight: 400;\">If you&#8217;re still trying to force modern demands through legacy systems, it&#8217;s worth asking: Are you actually solving the problem, or just making it worse?<\/span><\/p><p><span style=\"font-weight: 400;\">We <\/span><a href=\"https:\/\/innowise.com\/services\/data-analytics\/\"><span style=\"font-weight: 400;\">help clients answer that<\/span><\/a><span style=\"font-weight: 400;\"> every day at Innowise.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb7f3d6 elementor-widget elementor-widget-image\" data-id=\"cb7f3d6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Insurance-with-data-analytics-vs-traditional-insurance.jpg\" class=\"attachment-full size-full wp-image-184221\" alt=\"Insurance with data analytics vs traditional insurance\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Insurance-with-data-analytics-vs-traditional-insurance.jpg 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Insurance-with-data-analytics-vs-traditional-insurance-300x150.jpg 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Insurance-with-data-analytics-vs-traditional-insurance-768x384.jpg 768w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Insurance-with-data-analytics-vs-traditional-insurance-18x9.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ff0944 e-con-full e-flex e-con e-child\" data-id=\"1ff0944\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d01ef79 elementor-widget elementor-widget-shortcode\" data-id=\"d01ef79\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[blog_related_services post_in='82418,106614,176473']<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-259d6c7 e-con-full e-flex e-con e-child\" data-id=\"259d6c7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b0fbd6 elementor-widget elementor-widget-text-editor\" data-id=\"5b0fbd6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>The role of data analytics in insurance industry<\/h2><p>Most insurers don\u2019t have a technology problem. They have a <i>thinking<\/i> problem.<\/p><p>They limit data use to reporting and occasional dashboards, while their operations still rely on intuition, static rules, and legacy logic. That\u2019s fine, until the market shifts under you. And then you have a lot of catching up to do.<\/p><p>Let\u2019s unpack how you can implement data analytics for insurance properly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5979c44 elementor-widget elementor-widget-image\" data-id=\"5979c44\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/The-role-of-data-analytics-in-insurance.svg\" class=\"attachment-full size-full wp-image-184106\" alt=\"The role of data analytics in insurance\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea6673d elementor-widget elementor-widget-text-editor\" data-id=\"ea6673d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>From grouping risk to understanding it<\/h3><p>Underwriting used to mean averaging. People were sorted by age, geography, and occupation \u2014 broad strokes intended to represent likelihood. Today, that approach isn\u2019t only outdated, it\u2019s dangerous.<\/p><p><span style=\"font-weight: 400;\">Modern underwriting uses <\/span><b>granular behavioral data<\/b><span style=\"font-weight: 400;\"> (wearables, IoT, lifestyle markers, social data) to move from assumptions to evidence. For example, auto insurers using telematics no longer ask <\/span><i><span style=\"font-weight: 400;\">how old you are; <\/span><\/i><span style=\"font-weight: 400;\">they ask <\/span><i><span style=\"font-weight: 400;\">how you drive<\/span><\/i><span style=\"font-weight: 400;\">. The difference is massive.<\/span><\/p><p><span style=\"font-weight: 400;\">And it\u2019s not just theory. Some insurers have already built entire programs around this approach.<\/span><\/p><h3>From reactive to preemptive fraud detection<\/h3><p><span style=\"font-weight: 400;\">Traditional fraud detection is reactive. By the time a red flag is triggered, the payout\u2019s already happened, or worse, been exploited repeatedly.<\/span><\/p><p>With analytics, <strong>anomaly detection models and text mining<\/strong> flag suspicious behavior in real time. Claims with inconsistent narratives, inflated costs, or unusual frequency get flagged before the money leaves the system.<\/p><h3>From \u201cbest guess\u201d to strategic clarity<\/h3><p><span style=\"font-weight: 400;\">Here\u2019s the less visible benefit: <\/span><b>clarity<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Analytics doesn\u2019t just improve performance, it aligns the business. Teams operate with shared, real-time visibility into claims, customer lifetime value, retention risk, and policy performance. Suddenly, ops, product, and marketing aren&#8217;t guessing \u2014 they&#8217;re synced.<\/span><\/p><h3>From hard-coded systems to adaptive architecture<\/h3><p><span style=\"font-weight: 400;\">The final shift is architectural.<\/span><\/p><p><span style=\"font-weight: 400;\">Legacy systems are brittle. They don\u2019t play well with new data streams, and they require too much manual intervention. Modern insurance platforms are <\/span><b>designed to learn<\/b><span style=\"font-weight: 400;\">. They absorb new data, adapt their models, and inform decisions without hesitation.<\/span><\/p><p><span style=\"font-weight: 400;\">That means less firefighting. And more time building accurate consumer products.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23bc4b2 e-con-full e-flex e-con e-child\" data-id=\"23bc4b2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8c1dfe8 e-con-full e-flex e-con e-child\" data-id=\"8c1dfe8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8636cc5 elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"8636cc5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Too much data and no clarity? We\u2019ll help you organize, visualize, and act quickly.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e53559d e-con-full e-flex e-con e-child\" data-id=\"e53559d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49d2c25 elementor-absolute elementor-widget-mobile__width-inherit transform cta1 elementor-widget elementor-widget-html\" data-id=\"49d2c25\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta1 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1463277 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"1463277\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Make your data usable<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-815a9db e-con-full e-flex e-con e-child\" data-id=\"815a9db\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9762420 elementor-widget elementor-widget-text-editor\" data-id=\"9762420\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Benefits of insurance data analytics<\/h2><p>The impact of data analytics goes beyond processes. It drives measurable business results. I hope understanding these benefits will help insurers see why investing in analytics is essential for growth and resilience.<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cost savings:<\/b><span style=\"font-weight: 400;\"> reduced operational expenses through automation and early fraud detection.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Revenue growth:<\/b><span style=\"font-weight: 400;\"> More accurate pricing and personalized policies drive higher customer retention and new business.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Risk mitigation:<\/b><span style=\"font-weight: 400;\"> improved risk prediction lowers unexpected losses and stabilizes underwriting results.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enhanced customer satisfaction:<\/b><span style=\"font-weight: 400;\"> tailored offers and faster claim handling increase loyalty and brand reputation.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulatory compliance:<\/b><span style=\"font-weight: 400;\"> Better data governance and reporting reduce legal risks.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Scalability:<\/b><span style=\"font-weight: 400;\"> Data-driven systems support growth without adding manual workload.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Competitive advantage:<\/b><span style=\"font-weight: 400;\"> Early adopters gain market share by acting on insights faster than peers.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f65a59c elementor-widget elementor-widget-image\" data-id=\"f65a59c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Benefits-of-insurance-data-analytics.jpg\" class=\"attachment-full size-full wp-image-184220\" alt=\"Benefits of insurance data analytics\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Benefits-of-insurance-data-analytics.jpg 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Benefits-of-insurance-data-analytics-300x150.jpg 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Benefits-of-insurance-data-analytics-768x384.jpg 768w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Benefits-of-insurance-data-analytics-18x9.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b8fc61 e-con-full e-flex e-con e-child\" data-id=\"6b8fc61\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c023c0b sm-h3-gap elementor-widget elementor-widget-text-editor\" data-id=\"c023c0b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Key use cases of data analytics for risk and insurance<\/h2><p>Here\u2019s how data is being applied across the insurance value chain \u2014 daily, quietly, and with serious impact.<\/p><h3>Risk assessment and pricing<\/h3><p>Forget broad categories. Today\u2019s insurers build dynamic risk profiles using historical data, real-time behavior, and even unconventional signals like social media activity, purchasing habits, or satellite imagery for property coverage. The result? Precision pricing that reflects actual risk.<\/p><h3>Fraud detection<\/h3><p>Modern fraud analytics digs deeper than rules-based systems. It combines structured data (claims history, provider details) with unstructured inputs (claim narratives, behavioral patterns) to surface anomalies early. Text mining, anomaly detection, and cross-referencing third-party data now flag fraud before it drains your reserves.<\/p><h3>Telematics in auto insurance<\/h3><p>Real-time data from GPS devices and sensors helps auto insurers understand how a vehicle is driven, not just who\u2019s driving it. This includes acceleration, braking, mileage, and even phone use behind the wheel. The payoff? Personalized premiums, faster claims resolution, and fewer disputes.<\/p><h3>Customer segmentation<\/h3><p>Analytics allows insurers to go beyond demographics and segment customers by behavioral traits, life stages, digital habits, and more. That means marketing, product design, and support can be tailored, not just targeted. It\u2019s the difference between offering a policy and offering relevance.<\/p><h3>Claims processing automation<\/h3><p>Automation now handles the bulk of initial claims processing: data validation, inconsistency checks, and settlements calculations. Analytics improves accuracy and flags suspicious claims for further review, freeing up human adjusters for edge cases.<\/p><h3>Underwriting enhancement<\/h3><p>Gone are the days of underwriting based solely on age and static tables. Today\u2019s underwriters feed diverse datasets into AI models \u2014 from EHRs to credit behavior to driving data \u2014 generating risk scores that update continuously. It\u2019s dynamic, not fixed. And it\u2019s far more reflective of real-world risk.<\/p><h3>Customer experience personalization<\/h3><p>Policyholders are no longer treated like files. With analytics, insurers can proactively identify needs, anticipate churn, and deliver value at the right moment, be it a coverage reminder, product upgrade, or lifestyle-based discount. Think CX with context.<\/p><h3>Predictive analytics<\/h3><p>From identifying customers likely to file high-cost claims to detecting those on the verge of lapse, predictive models let insurers stay one step ahead. This proactive posture improves retention, allocates resources more effectively, and helps build long-term relationships.<\/p><h3>Catastrophe modeling<\/h3><p>Natural disasters have always been unpredictable, but their frequency and intensity are on the rise. That\u2019s why analytics now blends real-time climate data, satellite inputs, and urban development maps to model disaster risk in specific locations before it happens. It&#8217;s the future of underwriting for climate volatility.<\/p><h3>Health and wellness programs<\/h3><p>Insurers now partner with employers and policyholders to improve health outcomes. Analytics from wearables, wellness check-ins, and claims history allow for preventive care, risk stratification, and more flexible policy options based on health profiles.<\/p><h3>Claim settlement optimization<\/h3><p>Analytics-driven claims systems can predict whether a claim is valid, how long it will take to resolve, and how likely it is to escalate. This helps insurers prioritize resources, avoid litigation, and reduce both payout timelines and overhead.<\/p><h3>Cybersecurity and digital risk<\/h3><p>Insurers are now underwriting cyber risk using analytics that consider IT infrastructure, industry threats, and behavioral risk indicators. On the flip side, they use the same tools to protect their own operations: spotting suspicious access patterns, credential misuse, or anomalies in usage data.<\/p><h3>Fraud prevention in healthcare<\/h3><p>Healthcare fraud is complex and often collusive. Analytics flags patterns that no manual system could catch (duplicate billing, ghost claims, inflated service volumes, or misaligned diagnostics) and initiates investigation workflows automatically.<\/p><h3>Property valuation<\/h3><p>Data models now incorporate location intelligence, construction materials, claim frequency, and even local infrastructure developments to provide real-time property valuation. No more outdated appraisals or under\/over-insurance risks.<\/p><h3>Product development<\/h3><p>Insurers are finally using data to design policies people actually want. By mining claims data, usage patterns, emerging risks, and behavioral signals, they can build products for microsegments and identify underserved niches. The goal isn\u2019t volume; it\u2019s precision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-677fc59 e-con-full e-flex e-con e-child\" data-id=\"677fc59\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a44b4c0 e-con-full e-flex e-con e-child\" data-id=\"a44b4c0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a99046d elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"a99046d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Don\u2019t miss opportunities hidden in your data \u2014 let our analysts reveal what matters.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf78f58 e-con-full e-flex e-con e-child\" data-id=\"cf78f58\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73558c2 elementor-absolute elementor-widget-mobile__width-inherit transform cta2 elementor-widget elementor-widget-html\" data-id=\"73558c2\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta2 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5584a9 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"f5584a9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to experts<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b9e8d5 elementor-widget elementor-widget-image\" data-id=\"2b9e8d5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Key-use-cases-of-data-analytics-for-risk-and-insurance.jpg\" class=\"attachment-full size-full wp-image-184224\" alt=\"Key use cases of data analytics for risk and insurance\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Key-use-cases-of-data-analytics-for-risk-and-insurance.jpg 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Key-use-cases-of-data-analytics-for-risk-and-insurance-300x150.jpg 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Key-use-cases-of-data-analytics-for-risk-and-insurance-768x384.jpg 768w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Key-use-cases-of-data-analytics-for-risk-and-insurance-18x9.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a375b4f e-con-full e-flex e-con e-child\" data-id=\"a375b4f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dca620a elementor-widget elementor-widget-text-editor\" data-id=\"dca620a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Data analytics in insurance: market overview<\/h2><p>If you want a snapshot of where the insurance industry is headed, just follow the data. Literally.<\/p><p>Let\u2019s take a look at what the numbers are saying (and trust me, they\u2019re not subtle).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9493cdd elementor-widget elementor-widget-html\" data-id=\"9493cdd\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"overview-grid\">\r\n\r\n    <div class=\"overview-item\">\r\n        <div class=\"overview-item__title-wrapper\">\r\n            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2024\/01\/Growth.svg\" alt=\"Icon\" \/>\r\n            <h3 class=\"overview-item__title\">Growth<\/h3>\r\n        <\/div>\r\n        <div class=\"overview-item__content\">\r\n            <p class=\"overview-item__content__text\">The insurance data analytics market was estimated at USD 11.47 billion in 2023 and is expected to showcase a remarkable CAGR of 15.9%, reaching an astounding USD 27.07 billion by the next five years.<\/p>\r\n            <p class=\"overview-item__content__src\">Source: <a href=\"https:\/\/www.mordorintelligence.com\/industry-reports\/insurance-analytics-market\" target=\"_blank\" rel=\"nofollow\">Mordor Intelligence<\/a><\/p>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"overview-item\">\r\n        <div class=\"overview-item__title-wrapper\">\r\n            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2024\/01\/Usage.svg\" alt=\"Icon\" \/>\r\n            <h3 class=\"overview-item__title\">Usage<\/h3>\r\n        <\/div>\r\n        <div class=\"overview-item__content\">\r\n            <p class=\"overview-item__content__text\">86% of insurance firms count on data analytics to harness insights from extensive data reports. Thus, auto insurers are currently shifting from solely relying on in-house loss records to behavior-driven analytics.<\/p>\r\n            <p class=\"overview-item__content__src\">Source: <a href=\"https:\/\/www.mordorintelligence.com\/industry-reports\/insurance-analytics-market\" target=\"_blank\" rel=\"nofollow\">Mordor Intelligence<\/a><\/p>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"overview-item\">\r\n        <div class=\"overview-item__title-wrapper\">\r\n            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2024\/01\/Effects.svg\" alt=\"Icon\" \/>\r\n            <h3 class=\"overview-item__title\">Effects<\/h3>\r\n        <\/div>\r\n        <div class=\"overview-item__content\">\r\n            <p class=\"overview-item__content__text\">Life insurers using predictive analytics report a 67% cost reduction, a 60% revenue increase, and annual fraud prevention savings exceeding $300 billion.<\/p>\r\n            <p class=\"overview-item__content__src\">Source: Willis Towers Watson, <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-and-statistics-insurance-fraud\" target=\"_blank\" rel=\"nofollow\">Coalition Against Insurance Fraud<\/a><\/p>\r\n        <\/div>\r\n    <\/div>\r\n\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89e8db8 e-con-full e-flex e-con e-child\" data-id=\"89e8db8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d541859 elementor-widget elementor-widget-text-editor\" data-id=\"d541859\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Top use cases of data analytics in insurance<\/h2><p><span style=\"font-weight: 400;\">You can talk about innovation all day, but the proof is always in execution. The insurers pulling ahead aren\u2019t the ones with the fanciest decks; they\u2019re the ones who\u2019ve figured out how to make data work at scale, in the real world.<\/span><\/p><p><span style=\"font-weight: 400;\">Here are three examples that show what it looks like when analytics moves from concept to core capability.<\/span><\/p><h3>Allianz SE: data science as an early warning system<\/h3><p><span style=\"font-weight: 400;\">At Allianz Trade, data science is deeply embedded into how they predict credit risk across countries, sectors, and businesses.<\/span><\/p><p><span style=\"font-weight: 400;\">What\u2019s smart here is how they use <\/span><i><span style=\"font-weight: 400;\">subtle signals (<\/span><\/i><span style=\"font-weight: 400;\">like liquidity shifts or late payments in related industries) to flag exposure risk before it surfaces. It\u2019s not just about crunching numbers; it\u2019s about connecting the dots early.<\/span><\/p><p><span style=\"font-weight: 400;\">This kind of modeling allows them to forecast defaults before the spreadsheets catch up, giving them (and their clients) a critical advantage in volatile markets.<\/span><\/p><h3>Progressive: telematics that actually impacts the bottom line<\/h3><p><span style=\"font-weight: 400;\">Progressive built an entire usage-based insurance ecosystem around telematics.<\/span><\/p><p><span style=\"font-weight: 400;\">Their <\/span><a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">Snapshot program<\/span><\/a><span style=\"font-weight: 400;\"> takes real-world driving behavior (speed, braking, acceleration, time of day) and feeds it into pricing models that are <\/span><i><span style=\"font-weight: 400;\">individualized<\/span><\/i><span style=\"font-weight: 400;\">. Not only does this reduce risk mispricing, it makes customers feel like they\u2019re not paying for someone else\u2019s bad habits.<\/span><\/p><p><span style=\"font-weight: 400;\">And the kicker? It works. Snapshot has helped Progressive improve both risk segmentation and customer loyalty, two areas where most auto insurers still struggle.<\/span><\/p><h3>UnitedHealth Group: analytics meets social context<\/h3><p><span style=\"font-weight: 400;\">UnitedHealthcare is a good example of what happens when insurers stop thinking about claims and start thinking about lives.<\/span><\/p><p><span style=\"font-weight: 400;\">They\u2019ve integrated <\/span><b>predictive analytics<\/b><span style=\"font-weight: 400;\"> to identify when people are likely to experience health issues <\/span><i><span style=\"font-weight: 400;\">before<\/span><\/i><span style=\"font-weight: 400;\"> their symptoms escalate \u2014 based not just on medical history, but on social determinants of health: housing insecurity, food access, transportation.<\/span><\/p><p><span style=\"font-weight: 400;\">It\u2019s not just a data play, it\u2019s a human one. And it\u2019s shifting how they approach care, engagement, and cost control across large, employer-sponsored populations.<\/span><\/p><p><span style=\"font-weight: 400;\">Three different companies. Three different use cases. And one thing in common: they stopped treating data as a report and started treating it as a decision-making engine.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b43993d e-con-full e-flex e-con e-child\" data-id=\"b43993d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41af5e4 elementor-widget elementor-widget-text-editor\" data-id=\"41af5e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Data analytics implementation roadmap<\/h2><p>Let\u2019s say you\u2019re sold on the value of data analytics. Great. But now comes the part most organizations underestimate: implementation.<\/p><p>Because this isn\u2019t just plugging in a tool or hiring a data scientist. It\u2019s infrastructure, process, governance, and strategy \u2014 all moving in sync. Here\u2019s how we at Innowise typically approach it when working with insurance clients who are ready to go beyond experimentation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5acb955 custom-roadmap elementor-widget elementor-widget-html\" data-id=\"5acb955\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<div class=\"blog-roadmap\">\n    \n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">01<\/span>\n                <img decoding=\"async\" class=\"blog-roadmap-item__title__num-block__arrow\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" \/ alt=\"\">\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">Requirements analysis<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>Our analysts help you pinpoint the actual problem that data analytics can solve, whether it\u2019s risk scoring, fraud detection, or churn prediction. We don\u2019t build fancy models that never get used.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">02<\/span>\n                <img decoding=\"async\" class=\"blog-roadmap-item__title__num-block__arrow\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" \/ alt=\"\">\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">Data architecture design<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>If your data lives in a dozen systems that don\u2019t talk, analytics falls short. We help define how data will be stored, accessed, and secured, so it\u2019s usable, compliant, and scalable.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">03<\/span>\n                <img decoding=\"async\" class=\"blog-roadmap-item__title__num-block__arrow\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" \/ alt=\"\">\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">Data modeling<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>Now it\u2019s time to structure the mess. We map out relationships between entities, design schemas, and create a clean foundation for querying. This is all about future-proofing your insights.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">04<\/span>\n                <img decoding=\"async\" class=\"blog-roadmap-item__title__num-block__arrow\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" \/ alt=\"\">\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">Data ingestion<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>We pull in data from across your ecosystem (claims systems, customer apps, external APIs, even IoT sources like telematics) into a centralized repository. This is where raw becomes useful.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">05<\/span>\n                <img decoding=\"async\" class=\"blog-roadmap-item__title__num-block__arrow\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" \/ alt=\"\">\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">Data cleaning<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>Nobody talks about this enough. But unless you want garbage-in, garbage-out results, your data needs to be cleaned: deduplicated, corrected, and validated. Yes, it\u2019s tedious. Yes, it\u2019s essential.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">06<\/span>\n                <img decoding=\"async\" class=\"blog-roadmap-item__title__num-block__arrow\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" \/ alt=\"\">\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">Data lake building<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>This is where we store massive volumes of structured and unstructured data in native formats. Think of it as your long-term memory \u2014 flexible, accessible, and ready for analysis when needed.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">07<\/span>\n                <img decoding=\"async\" class=\"blog-roadmap-item__title__num-block__arrow\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" \/ alt=\"\">\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">ETL\/ELT pipeline implementation<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>We design and deploy the processes that extract data, transform it for analysis, and load it into target systems. Whether batch or real-time, the pipeline has to be bulletproof, or everything downstream breaks.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">08<\/span>\n                <img decoding=\"async\" class=\"blog-roadmap-item__title__num-block__arrow\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" \/ alt=\"\">\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">Quality assurance<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>We don\u2019t trust outputs until we\u2019ve tested the pipeline and verified the math. QA isn\u2019t an afterthought. It\u2019s a continuous step to ensure data integrity, logic soundness, and model accuracy.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">09<\/span>\n                <img decoding=\"async\" class=\"blog-roadmap-item__title__num-block__arrow\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" \/ alt=\"\">\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">Automation and deployment<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>Once the engine is running, we automate the workflows. Dashboards refresh on their own, models retrain as needed, and alerts get triggered without manual input. We then deploy the full stack into production environments with rollback plans and observability baked in.<\/p>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item\">\n        <div class=\"blog-roadmap-item__title\">\n            <div class=\"blog-roadmap-item__title__num-block\">\n                <span class=\"blog-roadmap-item__title__num-block__num\">10<\/span>\n            <\/div>\n            <span class=\"blog-roadmap-item__title__text-block\">Data analytics & visualization<\/span>\n        <\/div>\n        <div class=\"blog-roadmap-item__content\">\n            <p>Finally, the insights. We apply statistical models, ML, and BI tools to extract real meaning from the data and visualize it in a way that drives decisions, not confusion.<\/p>\n        <\/div>\n    <\/div>\n\n<\/div>\n\n<div class=\"blog-roadmap-mobile\">\n\n    <div class=\"blog-roadmap-item-mobile active\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">01<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">Requirements analysis<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>Our analysts help you pinpoint the actual problem that data analytics can solve, whether it\u2019s risk scoring, fraud detection, or churn prediction. We don\u2019t build fancy models that never get used.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item-mobile\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">02<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">Data architecture design<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>If your data lives in a dozen systems that don\u2019t talk, analytics falls short. We help define how data will be stored, accessed, and secured, so it\u2019s usable, compliant, and scalable.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item-mobile\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">03<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">Data modeling<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>Now it\u2019s time to structure the mess. We map out relationships between entities, design schemas, and create a clean foundation for querying. This is all about future-proofing your insights.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item-mobile\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">04<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">Data ingestion<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>We pull in data from across your ecosystem (claims systems, customer apps, external APIs, even IoT sources like telematics) into a centralized repository. This is where raw becomes useful.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item-mobile\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">05<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">Data cleaning<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>Nobody talks about this enough. But unless you want garbage-in, garbage-out results, your data needs to be cleaned: deduplicated, corrected, and validated. Yes, it\u2019s tedious. Yes, it\u2019s essential.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item-mobile\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">06<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">Data lake building<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>This is where we store massive volumes of structured and unstructured data in native formats. Think of it as your long-term memory \u2014 flexible, accessible, and ready for analysis when needed.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item-mobile\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">07<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">ETL\/ELT pipeline implementation<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>We design and deploy the processes that extract data, transform it for analysis, and load it into target systems. Whether batch or real-time, the pipeline has to be bulletproof, or everything downstream breaks.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item-mobile\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">08<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">Quality assurance<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>We don\u2019t trust outputs until we\u2019ve tested the pipeline and verified the math. QA isn\u2019t an afterthought. It\u2019s a continuous step to ensure data integrity, logic soundness, and model accuracy.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item-mobile\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">09<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">Automation and deployment<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>Once the engine is running, we automate the workflows. Dashboards refresh on their own, models retrain as needed, and alerts get triggered without manual input. We then deploy the full stack into production environments with rollback plans and observability baked in.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"blog-roadmap-item-mobile\">\n\n        <div class=\"blog-roadmap-item-mobile__side-arrow-wrapper\">\n            <img decoding=\"async\" class=\"side-arrow--open\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/01\/Line-404-2.svg\" alt=\"arrow-icon\" \/>\n\n            <img decoding=\"async\" class=\"side-arrow--closed\" src=\"https:\/\/i.ibb.co\/t4Px1j6\/Rectangle-784-2.png\" alt=\"arrow-icon\" \/>\n        <\/div>\n\n        <div class=\"blog-roadmap-item-mobile__main-wrapper\">\n            <div class=\"blog-roadmap-item-mobile__title\">\n                <span class=\"blog-roadmap-item-mobile__title__num\">10<\/span>\n                <span class=\"blog-roadmap-item-mobile__title__text\">Data analytics & visualization<\/span>\n            <\/div>\n            <div class=\"blog-roadmap-item-mobile__content\">\n                <p>Finally, the insights. We apply statistical models, ML, and BI tools to extract real meaning from the data and visualize it in a way that drives decisions, not confusion.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n    \n<\/div>\n\n<script>\n\n    document.addEventListener('DOMContentLoaded', () => {\n      const mobileRoadmapItems = [...document.querySelectorAll('.blog-roadmap-item-mobile')];\n  \n      mobileRoadmapItems.forEach(item => {\n\n        item.addEventListener('click', () => {\n          const isActive = item.classList.contains('active');\n  \n          \/\/ Collapse all items\n          mobileRoadmapItems.forEach(nav => {\n            nav.classList.remove('active');\n            \/*const ul = nav.querySelector('.mobile-domain-list');\n            if (ul) ul.style.maxHeight = '0';*\/\n          });\n  \n          \/\/ Expand clicked item only if it was not active\n          if (!isActive) {\n            item.classList.add('active');\n            \/*const ul = item.querySelector('.mobile-domain-list');\n            if (ul) ul.style.maxHeight = \"unset\"; \/\/ul.scrollHeight + 'px';*\/\n          }\n        });\n        \n      });\n    });\n  \n<\/script>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29bd406 e-con-full e-flex e-con e-child\" data-id=\"29bd406\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1797c2c e-con-full e-flex e-con e-child\" data-id=\"1797c2c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1946624 elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"1946624\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Outsmart fraud before it drains your margins.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3521c07 e-con-full e-flex e-con e-child\" data-id=\"3521c07\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb99158 elementor-absolute elementor-widget-mobile__width-inherit transform cta3 elementor-widget elementor-widget-html\" data-id=\"eb99158\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta3 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16d3799 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"16d3799\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Protect your bottom line<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a77f0e elementor-widget elementor-widget-image\" data-id=\"8a77f0e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Data-analytics-implementation-roadmap.jpg\" class=\"attachment-full size-full wp-image-184223\" alt=\"Data analytics implementation roadmap\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Data-analytics-implementation-roadmap.jpg 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Data-analytics-implementation-roadmap-300x150.jpg 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Data-analytics-implementation-roadmap-768x384.jpg 768w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Data-analytics-implementation-roadmap-18x9.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-679c297 e-con-full e-flex e-con e-child\" data-id=\"679c297\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccac629 elementor-widget elementor-widget-text-editor\" data-id=\"ccac629\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Top 5 modern data analytics platforms for insurance<\/h2>\n<p>Don\u2019t let yourself get overwhelmed here. You don\u2019t need 20 analytics tools. You need one or two that perfectly fit your business model, data maturity, and team structure. Below are five platforms we\u2019ve seen work well in insurance, depending on what you\u2019re trying to solve.<\/p>\n<p><span style=\"font-weight: 400;\">Not \u201cbest overall.\u201d Best for the job.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f83c18a xyz-switcher-section elementor-widget elementor-widget-html\" data-id=\"f83c18a\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"xyz-examples-container\">\r\n    <div class=\"xyz-examples__list\">\r\n        <div class=\"xyz-examples__swiper\">\r\n\r\n            <ul class=\"xyz-examples__list_container swiper-wrapper\">\r\n                <li class=\"xyz-examples__list-item swiper-slide xyz-examples__list-item_active\">Tableau<\/li>\r\n                <li class=\"xyz-examples__list-item swiper-slide\">Microsoft Power BI<\/li>\r\n                <li class=\"xyz-examples__list-item swiper-slide\">SAP S\/4HANA<\/li>\r\n                <li class=\"xyz-examples__list-item swiper-slide\">Qlik Sense<\/li>\r\n                <li class=\"xyz-examples__list-item swiper-slide\">Alteryx<\/li>\r\n            <\/ul>\r\n\r\n        <\/div>\r\n\r\n\r\n\r\n        <div class=\"xyz-examples__navigation\">\r\n            <button class=\"xyz-examples__navigation-btn\">\r\n                <svg width=\"25\" height=\"24\" viewBox=\"0 0 25 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n                    <g>\r\n                        <path d=\"M12 4L4 12L12 20\" stroke=\"#2E2E2E\" stroke-width=\"2\" \/>\r\n                        <path d=\"M21 12.0002L4 12.0002\" stroke=\"#2E2E2E\" stroke-width=\"2\" \/>\r\n                    <\/g>\r\n                <\/svg>\r\n            <\/button>\r\n\r\n            <button class=\"xyz-examples__navigation-btn\">\r\n                <svg width=\"25\" height=\"24\" viewBox=\"0 0 25 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n                    <path d=\"M13 4L21 12L13 20\" stroke=\"#2E2E2E\" stroke-width=\"2\" \/>\r\n                    <path d=\"M4 12.0002L21 12.0002\" stroke=\"#2E2E2E\" stroke-width=\"2\" \/>\r\n                <\/svg>\r\n            <\/button>\r\n        <\/div>\r\n    <\/div>\r\n\r\n\r\n\r\n\r\n    <div class=\"xyz-examples__descriptions examples__swiper\">\r\n        <div class=\"swiper-wrapper\">\r\n\r\n            <div class=\"xyz-examples__descriptions-item swiper-slide\">\r\n                <div class=\"xyz-examples__descriptions-item__main-info\">\r\n                    <div class=\"xyz-slider-info-block\">\r\n                        <p class=\"xyz-slider-desc\"><strong>Best for:<\/strong> data visualization and executive dashboards<\/p>\r\n                        <p class=\"xyz-slider-desc\">\r\n                        Tableau is great when you need to make complex data easy to understand, especially for non-technical users. Underwriters, claims managers, and even execs can slice through trends with drag-and-drop dashboards. It\u2019s fast, visual, and relatively lightweight to deploy.\r\n                        <\/p>\r\n                    <\/div>\r\n                    <img class=\"xyz-slider-image\" src='https:\/\/innowise.com\/wp-content\/uploads\/2023\/12\/Tableau_logo-2.png' alt=\"Company logo\" \/>\r\n                <\/div>\r\n                <div class=\"xyz-examples__descriptions-item__addit-info\">\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Pros<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>Very user-friendly<\/li>\r\n                            <li>Large user community and training resources<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Cons<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>Licensing can get expensive<\/li>\r\n                            <li>Weak on data preparation \u2014 you\u2019ll need something else upstream<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            \r\n            <div class=\"xyz-examples__descriptions-item swiper-slide\">\r\n                <div class=\"xyz-examples__descriptions-item__main-info\">\r\n                    <div class=\"xyz-slider-info-block\">\r\n                        <p class=\"xyz-slider-desc\"><strong>Best for:<\/strong> end-to-end reporting across teams already using the Microsoft stack<\/p>\r\n                        <p class=\"xyz-slider-desc\">\r\n                        If you\u2019re on Microsoft 365, Power BI is a natural fit. It integrates smoothly with Excel, Azure, SQL Server, and Teams. You get decent visualization, decent modeling, and great value for money. And with the right setup, it can handle even excessively large datasets.\r\n                        <\/p>\r\n                    <\/div>\r\n                    <img class=\"xyz-slider-image\" src='https:\/\/innowise.com\/wp-content\/uploads\/2023\/12\/power-bi-vector-logo-2022-1.png' alt=\"Company logo\" \/>\r\n                <\/div>\r\n                <div class=\"xyz-examples__descriptions-item__addit-info\">\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Pros<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>Tight integration with the Microsoft ecosystem<\/li>\r\n                            <li>Scalable for both small and large orgs<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Cons<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>Learning curve for newbies<\/li>\r\n                            <li>Mac and Linux users are out of luck<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            \r\n            <div class=\"xyz-examples__descriptions-item swiper-slide\">\r\n                <div class=\"xyz-examples__descriptions-item__main-info\">\r\n                    <div class=\"xyz-slider-info-block\">\r\n                        <p class=\"xyz-slider-desc\"><strong>Best for:<\/strong> real-time enterprise-wide analytics with built-in ERP integration<\/p>\r\n                        <p class=\"xyz-slider-desc\">\r\n                        S\/4HANA is a beast, and I mean that in both the good and bad sense. If you\u2019re already deep into SAP, this gives you a powerful, real-time view across operations: policy management, financials, claims, and beyond. But it requires significant investment, specialized skills, and complex configuration.\r\n                        <\/p>\r\n                    <\/div>\r\n                    <img class=\"xyz-slider-image\" src='https:\/\/innowise.com\/wp-content\/uploads\/2023\/12\/SAP-S4HANA-1.png' alt=\"Company logo\" \/>\r\n                <\/div>\r\n                <div class=\"xyz-examples__descriptions-item__addit-info\">\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Pros<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>Real-time analytics built on transactional data<\/li>\r\n                            <li>Seamless ERP integration for larger enterprises<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Cons<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>High investment cost<\/li>\r\n                            <li>Requires specialized training and heavy configuration<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            \r\n            <div class=\"xyz-examples__descriptions-item swiper-slide\">\r\n                <div class=\"xyz-examples__descriptions-item__main-info\">\r\n                    <div class=\"xyz-slider-info-block\">\r\n                        <p class=\"xyz-slider-desc\"><strong>Best for:<\/strong> self-service analytics and associative data discovery<\/p>\r\n                        <p class=\"xyz-slider-desc\">\r\n                        Qlik Sense is great when you need to explore relationships between data points that aren\u2019t obvious. It\u2019s particularly strong for fraud detection, claims analysis, and customer segmentation. Plus, its natural language querying is surprisingly good.\r\n                        <\/p>\r\n                    <\/div>\r\n                    <img class=\"xyz-slider-image\" src='https:\/\/innowise.com\/wp-content\/uploads\/2023\/12\/Qlik_Logo-1.png' alt=\"Company logo\" \/>\r\n                <\/div>\r\n                <div class=\"xyz-examples__descriptions-item__addit-info\">\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Pros<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>Flexible associative data model<\/li>\r\n                            <li>Empower users to explore independently<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Cons<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>Licensing costs stack up fast for big teams<\/li>\r\n                            <li>Not ideal for quick-and-dirty reports<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            \r\n            <div class=\"xyz-examples__descriptions-item swiper-slide\">\r\n                <div class=\"xyz-examples__descriptions-item__main-info\">\r\n                    <div class=\"xyz-slider-info-block\">\r\n                        <p class=\"xyz-slider-desc\"><strong>Best for:<\/strong> data blending, prep, and advanced analytics without writing code<\/p>\r\n                        <p class=\"xyz-slider-desc\">\r\n                        Alteryx shines in the pre-visualization stage. It\u2019s what you use when your raw data is messy and scattered, but you need to make sense of it fast. Think: underwriting workflows, pricing models, complex risk scoring.\r\n                        <\/p>\r\n                    <\/div>\r\n                    <img class=\"xyz-slider-image\" src='https:\/\/innowise.com\/wp-content\/uploads\/2023\/12\/Alteryx_logo-1.png' alt=\"Company logo\" \/>\r\n                <\/div>\r\n                <div class=\"xyz-examples__descriptions-item__addit-info\">\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Pros<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>Great for data prep and automation<\/li>\r\n                            <li>Powerful analytics without deep coding skills<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                    <div class=\"xyz-slider-desc__addit-info-item\">\r\n                        <span class=\"xyz-slider-desc__addit-info-item__title\">Cons<\/span>\r\n                        <ul class=\"xyz-slider-desc__addit-info-item__list\">\r\n                            <li>Pricing isn\u2019t SMB-friendly<\/li>\r\n                            <li>Can overwhelm first-time users with its interface<\/li>\r\n                        <\/ul>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            \r\n            \r\n        <\/div>\r\n        \r\n    <\/div>\r\n<\/div>\r\n\r\n<script>\r\n    \/\/document.addEventListener(\"DOMContentLoaded\", () => {\r\n    (() => {\r\n        const xyzDomainsListItems = document.querySelectorAll('.xyz-examples__list-item');\r\n\r\n        const xyzDomainsSwiper = new Swiper('.xyz-examples__swiper', {\r\n            slidesPerView: 'auto',\r\n            spaceBetween: 20,\r\n            observer:true,\r\n\r\n            breakpoints: {\r\n                768: {\r\n                    spaceBetween: 30,\r\n                },\r\n            },\r\n\r\n            freeMode: true,\r\n            watchSlidesProgress: true,\r\n            grabCursor: true,\r\n\r\n        });\r\n\r\n\r\n        const xyzDomainsDescSwiper = new Swiper('.xyz-examples__descriptions.examples__swiper', {\r\n            slidesPerView: 1,\r\n            spaceBetween: 40,\r\n            effect: 'fade',\r\n            grabCursor: true,\r\n            observer:true,\r\n            thumbs: {\r\n                swiper: xyzDomainsSwiper,\r\n            },\r\n            navigation: {\r\n                nextEl: \".xyz-examples__navigation button:nth-child(2)\",\r\n                prevEl: \".xyz-examples__navigation button:nth-child(1)\",\r\n            },\r\n        });\r\n\r\n\r\n\r\n\r\n        xyzDomainsDescSwiper.on('slideChange', function (data) {\r\n\r\n            const activeIndex = data.activeIndex;\r\n\r\n\r\n            xyzDomainsListItems.forEach((elem, i) => {\r\n                if (activeIndex === i) {\r\n                    elem.classList.add('xyz-examples__list-item_active');\r\n                } else {\r\n                    elem.classList.remove('xyz-examples__list-item_active');\r\n                }\r\n            })\r\n\r\n\r\n            \/*xDomainsSwiper.slideTo(data.activeIndex)*\/\r\n        });\r\n    \/\/})\r\n    })()\r\n<\/script>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-440570e elementor-widget elementor-widget-text-editor\" data-id=\"440570e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Conclusion<\/h2><p><span style=\"font-weight: 400;\">Data analytics is no longer optional for insurance companies. It\u2019s essential for making informed decisions, speeding up processes, and better serving customers. Insurers that leverage data reduce costs, catch fraud earlier, and offer policies aligned with real customer behavior.<\/span><\/p><p><span style=\"font-weight: 400;\">If you\u2019re done with experiments and want analytics that actually move the needle, we\u2019re here to help. At Innowise, we provide <\/span><a href=\"https:\/\/innowise.com\/services\/data-analytics\/\"><span style=\"font-weight: 400;\">data analysis services<\/span><\/a><span style=\"font-weight: 400;\"> and develop tailored solutions to make risk assessment sharper, claims smoother, and customer experience better.<\/span><\/p><p><span style=\"font-weight: 400;\">Ready to get real with your data? Let\u2019s talk.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e2fddcb e-con-full e-flex e-con e-child\" data-id=\"e2fddcb\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c631b8c e-con-full e-flex e-con e-child\" data-id=\"c631b8c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fef66f elementor-widget elementor-widget-heading\" data-id=\"5fef66f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffc61ac faq elementor-widget elementor-widget-html\" data-id=\"ffc61ac\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"c-section__container\">\n    <div class=\"custom-faq-acc__container\">\n\n        <div class=\"c-accordion--faq custom-faq-acc__accordion\">\n\n\n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">What is data analytics in the insurance sector?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>Data analytics in insurance refers to the use of statistical methods, machine learning, and big data tools to extract actionable insights from massive volumes of information \u2014 everything from policyholder behavior and claims history to IoT data and third-party inputs. It transforms raw data into smarter decisions across pricing, risk, fraud, and customer service.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">How does data analytics benefit insurance companies?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>It goes beyond reporting. Data analytics helps insurers fine-tune premiums, identify fraud before payouts, reduce claim delays, and create personalized products. Operationally, it cuts costs and reduces waste. Strategically, it enables insurers to adapt faster, target the right markets, and operate with a level of clarity that wasn\u2019t possible before.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">Can data analytics help prevent insurance fraud?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>Absolutely. With the right models in place, insurers can spot fraud patterns( like inflated claims, collusion, or duplicate submissions) before money leaves the system. Techniques like anomaly detection and natural language processing allow early intervention, turning fraud prevention into a proactive system rather than a costly cleanup exercise after the damage is done.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">How does big data contribute to the insurance industry?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>Big data expands what insurers can see, analyze, and act on. It includes structured data (like demographics and policy history) and unstructured data (like sensor readings, social media signals, or call transcripts). The combination allows for more accurate risk assessment, real-time decision-making, and hyper-personalized offerings that reflect true customer behavior.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">Is implementing insurance analytics expensive?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>The short answer: it can be, but it doesn't have to be. Costs vary based on your tech IT setup, internal capabilities, and data readiness. The bigger risk isn\u2019t overspending, it\u2019s underinvesting. Companies stuck in manual processes or outdated models often lose far more in inefficiencies, missed opportunities, and preventable losses over time.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">Which departments benefit the most from analytics?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>Underwriting, claims, and fraud detection usually see the fastest ROI. But marketing, customer service, and product development also benefit significantly when analytics is used to understand customer needs and predict behavior. In a fully mature setup, analytics becomes the connective tissue between departments, not just a siloed tool for one team.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">What\u2019s the difference between BI and predictive analytics in insurance?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>BI (Business Intelligence) shows you what happened, it focuses on dashboards, KPIs, and historical patterns. Predictive analytics goes a step further: it uses historical data to model what\u2019s likely to happen next, whether that\u2019s a claim, a churn risk, or a fraud attempt. It turns hindsight into foresight and action.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n            \n            <div class=\"c-accordion__item\">\n                <div class=\"c-accordion__trigger custom-faq-acc__accordion-trigger\">\n                    <div class=\"c-accordion__header\">\n                        <button class=\"c-accordion__toggle-button\">\n                            <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg\"\n                                alt=\"toggle-icon\">\n                        <\/button>\n                        <span class=\"c-accordion__title\">How is the insurance industry embracing digital transformation?<\/span>\n                    <\/div>\n                    <div class=\"c-accordion__panel custom-faq-acc__content\">\n\n                        <div class=\"custom-faq-acc__content__column\">\n                            <p>The industry is shifting from static, manual processes to adaptive, data-driven systems. That includes automating underwriting, digitizing claims, integrating AI for customer support, and embedding analytics into every decision layer. The goal isn't just modernization. It's to build a smarter, faster, more resilient insurance model that can evolve in real time.<\/p>\n                        <\/div>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n\n\n        <\/div>\n\n        \n    <\/div>\n\n<\/div>\n\n    <script src=\"https:\/\/innowise.com\/wp-content\/themes\/hello-elementor\/assets\/js\/accordion.min.js\"><\/script>\n\n    <script>\n        window.addEventListener(\"DOMContentLoaded\", (event) => {\n\n            const siteLanguage = document.documentElement.getAttribute(\"lang\").toLowerCase();\n\n            function initAccordion(element) {\n                if (!element) return;\n\n                new Accordion(element, {\n                    duration: 200,\n                    showMultiple: false,\n                    onOpen: function (currentElement) {\n                        const img = currentElement.querySelector('.c-accordion__toggle-button img');\n                        img.src = 'https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/close-accordion.svg';\n                    },\n                    onClose: function (currentElement) {\n                        const img = currentElement.querySelector('.c-accordion__toggle-button img');\n                        img.src = 'https:\/\/innowise.com\/wp-content\/uploads\/2022\/02\/open-accordion.svg';\n                    },\n                    elementClass: 'c-accordion__item',\n                    triggerClass: 'c-accordion__trigger',\n                    panelClass: 'c-accordion__panel',\n                    activeClass: 'c-accordion__item_active',\n                });\n            }\n\n\n            initAccordion(document.querySelector(\".c-accordion--faq\"))\n        })\n    <\/script>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c49269 elementor-widget elementor-widget-shortcode\" data-id=\"9c49269\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[post_share]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c0ca56b e-con-full tablePadding40 e-flex e-con e-child\" data-id=\"c0ca56b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f402b94 e-grid e-con-full e-con e-child\" data-id=\"f402b94\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e838a9 elementor-widget elementor-widget-image\" data-id=\"7e838a9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2024\/02\/Rectangle-34624319.png\" class=\"attachment-full size-full wp-image-181814\" alt=\"\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2024\/02\/Rectangle-34624319.png 100w, https:\/\/innowise.com\/wp-content\/uploads\/2024\/02\/Rectangle-34624319-12x12.png 12w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba53ae6 e-con-full e-flex e-con e-child\" data-id=\"ba53ae6\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e5ce384 e-con-full e-flex e-con e-child\" data-id=\"e5ce384\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd456dc elementor-widget elementor-widget-heading\" data-id=\"bd456dc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/innowise.com\/authors\/dmitry-nazarevich\/\">Dmitry Nazarevich<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae60c5e elementor-widget elementor-widget-image\" data-id=\"ae60c5e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/dmitry-nazarevich\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Social-icons-1.svg\" class=\"attachment-full size-full wp-image-181902\" alt=\"Linkedin icon\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a832f57 elementor-widget elementor-widget-text-editor\" data-id=\"a832f57\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">CTO<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f30923e e-con-full e-flex e-con e-child\" data-id=\"f30923e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0505d4b text4String elementor-widget elementor-widget-text-editor\" data-id=\"0505d4b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dmitry leads the tech strategy behind custom solutions that actually work for clients \u2014 now and as they grow. He bridges big-picture vision with hands-on execution, making sure every build is smart, scalable, and aligned with the business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55495d4 readMore elementor-widget elementor-widget-heading\" data-id=\"55495d4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/innowise.com\/authors\/dmitry-nazarevich\/\">Read more<\/a><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1539868 table-content-container e-con-full e-flex e-con e-child\" data-id=\"1539868\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d015012 e-con-full stickyTable e-flex e-con e-child\" data-id=\"d015012\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1242e75 author-block e-con-full e-flex e-con e-child\" data-id=\"1242e75\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-713818c ddcv elementor-widget elementor-widget-html\" data-id=\"713818c\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\r\n.article-description > .e-con-inner{\r\n     align-items: baseline !important;\r\n}\r\n\r\n.table-content-container {\r\n    position: sticky;\r\n    top: 72px;\r\n    bottom: auto;   \r\n}  \r\n\r\n<\/style>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", ()=>{\r\n        \r\nconst headerElement = document.querySelector(\".new-menu\");\r\n\r\nconst stickyElement = document.querySelector(\".table-content-container\");\r\n\r\nconst headerElementH = headerElement.clientHeight;\r\n\r\nstickyElement.style.top =  headerElementH + 60 + \"px\"\r\n        \r\n});\r\n<\/script>\r\n\r\n\r\n<!--NOTE Change data-id in wrapper styles for hide this block on the mobile device screen-->\r\n<div class=\"toc-wrapper\">\r\n  <h3 class=\"toc-title\">Table of contents<\/h3>\r\n  <div class=\"toc toc-2\"><\/div>\r\n<\/div>\r\n\r\n<script>\r\n  \/\/NOTE Add the value from h2 as the key and the text you want to display as the key value in LINKS variable:\r\n  \/\/   const LINKS = {\r\n  \/\/       \"The demand for retail digital transformation\": \"The demand\"\r\n  \/\/   }\r\n\r\n  \r\n  \/\/NOTE Add the value from h2 as the key and the text you want to display as the key value in LINKS variable:\r\n  \/\/   const LINKS = {\r\n  \/\/       \"The demand for retail digital transformation\": \"The demand\"\r\n  \/\/   }\r\n\r\n  const LINKS = {\r\n    \"Unleashing the power of .NET 8\": \"gggggg\",\r\n    \"Revamping legacy systems: unlocking business potential through software modernization\":\r\n      \"hello\",\r\n  };\r\n\r\n  const OFFSET = 70;\r\n   const PADDING_BOTTOM_FOR_SCROLL = 100;\r\n  let headerList = [];\r\n  let allLinks = [];\r\n  \r\n  let ticking = false;\r\n     \r\n\r\n  const createList = () => {\r\n      \r\n      console.log('create');\r\n      \r\n      \r\n    const tocTarget = document.querySelector(\".toc.toc-2\");\r\n    const toc = document.createElement(\"ul\");\r\n    \r\n    \r\n    \r\n     headerList = [...document.querySelectorAll(\"h2\")];\r\n\r\n\r\n    \r\n    headerList = headerList.slice(0, -3);\r\n    \r\n    const filteredNodes = [document.querySelector(\".related_content_blog_container h2\")]\r\n    \r\n    headerList = headerList.filter((node)=> !filteredNodes.includes(node))\r\n    \r\n    \r\n   headerList.forEach((header,index) => {\r\n      const headerId = header.getAttribute(\"id\");\r\n      const headerText =\r\n        header.dataset.title && header.dataset.title !== \"\"\r\n          ? header.dataset.title\r\n          : header.textContent;\r\n          \r\n\r\n      const headerTocText = header.dataset.title;\r\n\r\n      const idFromText =\r\n        !headerId || headerId === \"\"\r\n          ? headerText\r\n              .toLowerCase()\r\n              .replace(\/[^\\w ]+\/g, \"\")\r\n              .replace(\/ +\/g, \"-\")\r\n          : headerId;\r\n          \r\n         \r\n\r\n      const newListItem = document.createElement(\"li\");\r\n      const newLink = document.createElement(\"a\");\r\n      newLink.setAttribute(\"href\", \"#\" + idFromText);\r\n      newLink.textContent = LINKS[headerText] || headerText;\r\n\r\n      newLink.addEventListener(\"click\", (e) => {\r\n          \r\n        e.preventDefault();\r\n        const y =\r\n          header.getBoundingClientRect().top +\r\n          window.pageYOffset -\r\n          PADDING_BOTTOM_FOR_SCROLL -\r\n          OFFSET;\r\n          ticking = true; \r\n        window.scrollTo({ top: y, behavior: \"smooth\" });\r\n        \r\n        setTimeout(()=>{\r\n            ticking = false;\r\n        },500);\r\n        \r\n      });\r\n      \r\n\r\n      newListItem.appendChild(newLink);\r\n    toc.appendChild(newListItem);\r\n    \r\n    \r\n    });\r\n    tocTarget.appendChild(toc);\r\n    allLinks = Array.from(document.querySelector(\".toc.toc-2\").querySelectorAll(\"ul li\"));\r\n  };\r\n\r\n  const setContainerHeight = () => {\r\n    const windowHeight = window.innerHeight;\r\n    const tocContainer = document.querySelector(\".ddcv\");\r\n\r\n    tocContainer.style.maxHeight = \"calc(100vh - 230px)\";\r\n    tocContainer.style.minHeight = \"200px\";\r\n  };\r\n\r\n\r\n  const checkScroll = () => {\r\n      const windowHeight = window.innerHeight;\r\n      const scrollTop = window.scrollY || document.documentElement.scrollTop;\r\n\r\n      let selectedHeaderIndex = -1;\r\n\r\n      headerList.forEach((header, index) => {\r\n        \r\n  const posTop = header.getBoundingClientRect().top;\r\n       \r\n\r\n const isInViewport = posTop + elem.clientHeight <= window.innerHeight ;\r\n \r\n\r\n \r\n if(isInViewport){\r\n      selectedHeaderIndex = index;\r\n }\r\n        \r\n\r\n\r\n        \r\n      });\r\n      \r\n\r\n\r\n        allLinks.forEach((link, i) => {\r\n            if(i === selectedHeaderIndex){\r\n              link.classList.remove(\"pre-active\");  \r\n              link.classList.add(\"active\");\r\n            }\r\n            if(i < selectedHeaderIndex){\r\n              link.classList.add(\"pre-active\"); \r\n               link.classList.remove(\"active\");\r\n            }\r\n             if(i > selectedHeaderIndex){\r\n            link.classList.remove(\"pre-active\");\r\n            link.classList.remove(\"active\");\r\n            }\r\n            \r\n            \r\n            \r\n        });\r\n        \r\n\r\n\r\n  };\r\n\r\n  const loadAllImages = () => {\r\n    const images = document.getElementsByTagName(\"img\");\r\n\r\n    for (let i = 0; i < images.length; i++) {\r\n      const img = images[i];\r\n      const src = img.getAttribute(\"data-src\") || img.src;\r\n      img.src = src;\r\n    }\r\n  };\r\n\r\n  loadAllImages();\r\n  \r\n  \r\n  \r\n\r\n\r\n  document.addEventListener(\"DOMContentLoaded\", () => {\r\n      \r\n      \r\n     setTimeout(()=>{\r\n           createList();\r\n    setContainerHeight();\r\n  \r\n    \r\n    document.addEventListener(\"scroll\", (event) => {\r\n  if (!ticking) {\r\n    checkScroll();\r\n  }\r\n});\r\n    \r\n    \r\n},300) \r\n\r\n    \r\n  });\r\n  \r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13b3ce7 e-flex e-con-boxed e-con e-parent\" data-id=\"13b3ce7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aee5c12 elementor-widget elementor-widget-shortcode\" data-id=\"aee5c12\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f100240-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"100240\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/nb\/wp-json\/wp\/v2\/posts\/154438#wpcf7-f100240-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" enctype=\"multipart\/form-data\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"100240\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f100240-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<style>\n#form-templates .contact__info {\n  background-color: #f4f4f4;\n  padding: 70px 44px 70px 50px;\n  position: relative;\n  max-width: 540px;\n  width: 100%;\nborder: 1px solid #AEB1B7;\n}\n\n#form-templates .contact__info-background {\n  z-index: -1;\n  position: absolute;\n  top: 20px;\n  left: 20px;\n  width: 100%;\n  height: 100%;\n  border: 1px dashed #ef4557;\n}\n\n\n#form-templates .new-container{\ndisplay: flex;\njustify-content: space-between;\nflex-wrap: wrap;\n}\n\n\n#form-templates{\npadding: 100px 15px 100px 15px;        \n}\n\n#form-templates .contact__info-heading {\n  font-family: 'Sora' !important;\n  font-style: normal !important;\n  font-weight: 400 !important;\n  font-size: 36px !important;\n  line-height: 46px !important;\n  color: #2E2E2E !important;\n   margin-bottom: 60px !important;\n\n}\n\n\n#form-templates .message label{\ncolor: #585858 !important;   \n}\n\n.elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n font-size: 60px !important;\n  line-height: 70px !important;\n  font-family: \"Sora\", Sans-serif;\n  font-weight: 400;\n  margin: 0;  \n  margin-bottom: 20px;\n}\n\n\n\n\n.elementor-widget-container.form-template p{\n  font-family: \"Karla\", Sans-serif;\n  font-size: 22px;\n  font-weight: 400;\n  line-height: 28px;\n  color: var( --e-global-color-primary );\n  max-width: 700px;\n  margin: 0; \n  margin-bottom: 40px;\n} \n  \n\n\n.new-container #spinner{\nwidth: 50%;\nmax-width: 700px;\n}\n\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:30px; \n    \n}\n\n\n#form-templates .contact__info-heading {\n  margin-bottom: 67px;\n  font-size: 36px;\n  font-family: karla;\n  color:  #2E2E2E;\n\n  line-height: 49px;\n}\n\n#form-templates .contact__info-steps {\n  display: flex;\n  flex-direction: column;\n  max-width: 425x;\n  row-gap: 20px;\n  border-left: 1px solid #2e2e2e;\n}\n\n#form-templates .contact__info-block {\n  position: relative;\n  padding-left: 45px;\n}\n\n#form-templates .contact__info-block:last-child {\n  box-shadow: -1px 0 0 1px #f4f4f4;\n}\n\n#form-templates .contact__info-step {\n  position: absolute;\n  border: 1px solid #2e2e2e;\n  width: 40px;\n  height: 40px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  border-radius: 20px;\n  left: -20px;\n  top: -8px;\n  background-color: #F4F4F4;\n  color:  #2E2E2E;\n\nfont-family: Karla;\nfont-weight: 700;\nfont-size: 18px;\nline-height: 28px;\n\n}\n\n.elementor-widget-global .contact__info-step {\n        color:  #2E2E2E;\n}\n\n#form-templates .contact__info-text {\n  margin: 0;\n  font-size: 16px;\n  line-height: 26px;\n  color: #2E2E2E;\n  font-family: karla;\n\n  width: 100%;\n}\n\n\n#form-templates .contact-us__send{\nflex-shrink: 0;\nmargin-top:0;\n}\n\n\n\n@media screen and (max-width: 1279px) {\n    .new-container #spinner{\n        width: 100%;\n        max-width:100%;\n        margin-bottom:40px;\n    }\n    \n\n    .new-container .contact__info {\n        max-width: 700px !important;\n    }\n    \n}\n\n\n@media screen and (max-width: 1279px) {\n#form-templates{\npadding: 60px 15px 70px 15px;     \n}\n}\n\n\n\n@media screen and (max-width: 767px) {\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:20px; \n \n}\n\n\n  #form-templates .contact__info {\n    padding: 20px 20px 40px 40px;\n    margin: 0 auto;\n  }\n\n\n#form-templates{\npadding: 40px 15px 50px 15px;  \n    \n}\n\n  \n   .new-container #spinner{\n       \n    margin-bottom:30px;   \n   }\n   \n   \n   .elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n   font-size: 32px !important;\n    line-height: 42px !important;    \n   }\n   \n   \n   .elementor-widget-container.form-template p{\n       \n    font-size: 16px;\n    line-height: 20px;  \n    margin-bottom: 30px;\n \n       \n   }\n   \n   #form-templates .contact__info-heading{\n   font-size: 24px !important;\n    line-height: 49px !important;    \n       \n   }\n   \n\n.mailToContact{\nmargin-top: 10px !important;        \n}\n   \n\n  #form-templates .contact__info-heading {\n    font-size: 24px;\n    margin-bottom: 37px;\n  }\n\n  #form-templates .contact__info-background {\n    top: 10px;\n    left: 10px;\n  }\n\n  #form-templates .contact__info-text {\n    font-size: 12px;\n    line-height: 20px;\n  }\n  \n  \n  #form-templates .contact__info-heading {\n   margin-bottom: 35px !important;\n\n}\n\n}\n\n@media (max-width: 767px) {\n    .mailToContact {\n        max-width: 100%;\n    }\n}\n<\/style>\n\n<script>\nwindow.addEventListener('hashchange',function(e){if(window.history.pushState){window.history.pushState('','\/',window.location.pathname)}else{window.location.hash=''}})\n<\/script>\n\n\n<div id=\"form-templates\">\n<div class=\"elementor-widget-container form-template\">\n<a name=\"contact-form\"><\/a>\n<h2>Contact us<\/h2>\n<p><a id=\"calendlylink\" style=\"color: #c63031; border-bottom: 1px solid #c63031; padding: 0;\">Book a call<\/a> or fill out the form below and we\u2019ll get back to you once we\u2019ve processed your request.<\/p>\n<\/div>\n\n<div class=\"new-container\">\n\n\n<div class=\"contact-us__main\" id=\"spinner\" data-no-defer=\"1\">\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"name\">\n<label>Name<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"field_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__name\" id=\"contact-name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"field_name\" \/><\/span>\n<\/div>\n\n<div class=\"company\">\n<label>Company<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__company\" id=\"contact-company\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"company\" \/><\/span>\n<\/div>\n\n<\/div>\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"email\">\n<label>Email<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email contact-us__email\" id=\"contact-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n<\/div>\n\n<div class=\"phone\">\n<label>Phone<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel contact-us__phone\" id=\"contact-phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"tel\" \/><\/span>\n<\/div>\n\n<\/div>\n<div class=\"contact-us__wrapper subj\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-recipient\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-subj_js\" aria-invalid=\"false\" name=\"your-recipient\"><option value=\"\">Subject*<\/option><option value=\"IT staff augmentation\">IT staff augmentation<\/option><option value=\"Turnkey product development\">Turnkey product development<\/option><option value=\"Support and enhancement\">Support and enhancement<\/option><option value=\"Careers\">Careers<\/option><option value=\"Other\">Other<\/option><\/select><\/span>\n\n<span class=\"wpcf7-form-control-wrap\" data-name=\"form-field-budget_js\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-budget_js\" aria-invalid=\"false\" name=\"form-field-budget_js\"><option value=\"\">Project budget<\/option><option value=\"Under $15K\">Under $15K<\/option><option value=\"$15K-$30K\">$15K-$30K<\/option><option value=\"$30K-$100K\">$30K-$100K<\/option><option value=\"$100K-$250K\">$100K-$250K<\/option><option value=\"$250K-$500K\">$250K-$500K<\/option><option value=\"More than $500K\">More than $500K<\/option><\/select><\/span>\n\n<\/div>\n\n\n<div class=\"message\">\n<label>Message<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"40\" rows=\"1\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required contact-us__message\" id=\"contact-message\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Describe your needs in detail*\" name=\"message\"><\/textarea><\/span>\n<\/div>\n\n<div class=\"atvoice-wrap\">\n\n<div class=\"voice-wrap\">\n<span id=\"voice-mut\" class=\"voicetext\">Send us a voice message<\/span>\n         <div class=\"qc_voice_audio_wrapper\">\n            <div class=\"qc_voice_audio_container\">\n                <div class=\"qc_voice_audio_upload_main\" id=\"qc_audio_main\">\n                    <a class=\"qc_audio_record_button\" id=\"qc_audio_record\" href=\"#\" aria-label=\"Record an audio message\">\n                        <span class=\"dashicons dashicons-microphone\"><\/span> \u00a0<\/a> \n                <\/div>\n\n                <div class=\"qc_voice_audio_recorder\" id=\"qc_audio_recorder\" style=\"display:none\">\n\n                <\/div>\n                <div class=\"qc_voice_audio_display\" id=\"qc_audio_display\"  style=\"display:none\">\n                    <audio id=\"qc-audio\" controls src=\"\"><\/audio>\n                    <span title=\"Remove and back to main upload screen.\" class=\"qc_audio_remove_button dashicons dashicons-trash\"><\/span>\n                <\/div>\n            <\/div>\n            <input type=\"hidden\" value=\"\" name=\"qcwpvoicemessage\" id=\"qc_audio_url\" \/>\n        <\/div>\n        \n<\/div>\n\n\n<div class=\"attach-wrap\">\n<span class=\"voicetext\">Attach documents<\/span>\n\n<div class='attachment'>\n\n<div class=\"downloaded\">\n<span><\/span>\n<div class=\"deleteFile\"><\/div>\n<\/div>\n\n<div class=\"attachmentButton\" onclick=\"(function cl(e){if(e.target.nodeName == 'DIV'){e.target.parentNode.children[1].children[0].click(); }})(arguments[0]);\">\n\n<div class=\"innerText\">Upload file<\/div>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"att-files\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file\" accept=\".jpg,.png,.jpeg,.pdf\" aria-invalid=\"false\" type=\"file\" name=\"att-files\" \/><\/span>\n\n<div class=\"tip\" onclick=\"event.stopPropagation()\">\n<p>You can attach 1 file up to 2MB. Valid file formats: pdf, jpg, jpeg, png.<\/p>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<\/div>\n\n<div class=\"contact-us__wrapper\"> \n<p class=\"pp\">By clicking Send, you consent to Innowise processing your personal data per our<a href=\"\/privacy-notice\/\"> Privacy Policy <\/a>to provide you with relevant information. By submitting your phone number, you agree that we may contact you via voice calls, SMS, and messaging apps. Calling, message, and data rates may apply.<\/p>\n\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"scoring_point\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmCampaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmContent\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmMedium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmSource\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmTerm\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"location\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"city\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ip\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"Summ\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gclid\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"rating\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlCompany\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlWithParams\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"audioMessageLink\" \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner contact-us__send\" id=\"contact-send-button\" type=\"submit\" value=\"Send\" \/>\n<\/div>\n\n<div class='mailToContact'>You can also send us your request <\/br>to <a href=\"mailto:contact@innowise.com\">contact@innowise.com<\/a><\/div>\n\n<\/div>\n\n<div class=\"elementor-widget-container\" style=\"z-index:1;\">\n<div class=\"contact__info\">\n  <div class=\"contact__info-background\"><\/div>\n  <div class=\"contact__info-heading\">What happens next?<\/div>\n  <div class=\"contact__info-steps\">\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">1<\/div>\n      <p class=\"contact__info-text\">Once we\u2019ve received and processed your request, we\u2019ll get back to you to detail your\n        project needs and sign an NDA to ensure confidentiality.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">2<\/div>\n      <p class=\"contact__info-text\">After examining your wants, needs, and expectations, our team will devise a project\n        proposal with the scope of work, team size, time, and cost estimates.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">3<\/div>\n      <p class=\"contact__info-text\">We\u2019ll arrange a meeting with you to discuss the offer and nail down the details.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">4<\/div>\n      <p class=\"contact__info-text\">Finally, we\u2019ll sign a contract and start working on your project right away.<\/p>\n    <\/div>\n  <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"related_content_blog_container\">[related_content_list]<\/div><script>\n            jQuery( document ).ready(function($) {\n            var parentSection = $('[data-elementor-type=\"wp-page\"]');\n            if($('[data-elementor-type=\"wp-post\"]').length){\n                var parentSection = $('[data-elementor-type=\"wp-post\"]');\n            }\n            \n                parentSection.children().last().before($('.related_content_blog_container'));\n            });\n            <\/script><div class=\"other_services_container\">[need_other_services_v2]<\/div><script>\n                    jQuery( document ).ready(function($) {\n                        var parentSection = $('[data-elementor-type=\"wp-page\"]');\n                        if($('[data-elementor-type=\"wp-post\"]').length){\n                            var parentSection = $('[data-elementor-type=\"wp-post\"]');\n                        }\n                        \n                        console.log(parentSection);\n                        parentSection.children().last().before($('.other_services_container'));\n                        var sections = parentSection.find('.net-15.dt-16');\n                        for(var i = 0; i<sections.length; i++){\n                            if($(sections[i]).hasClass( 'net-15' ) && $(sections[i]).hasClass( 'dt-16' ) && $(sections[i]).hasClass( 'elementor-hidden-desktop' )==false){\n                                $(sections[i]).before($('.other_services_container'));   \n                            }\n                        }\n                        \n                    });\n                <\/script>","protected":false},"excerpt":{"rendered":"<p>Main About us Blog The role of data analytics in revolutionizing the insurance industry Dmitry Nazarevich Jun 16, 2025 20 min read [summarize_button_ai] Insurance was never built for speed. Or flexibility. It\u2019s one of those industries that still carries a legacy of static models, rigid processes, and risk categories that haven\u2019t been updated since fax [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":184367,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[128,1021],"class_list":["post-154438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-dmitry_author","tag-bi-data-analytics","tag-guide","tag-insurance-business-insights"],"acf":[],"_links":{"self":[{"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/posts\/154438","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/comments?post=154438"}],"version-history":[{"count":0,"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/posts\/154438\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/media\/184367"}],"wp:attachment":[{"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/media?parent=154438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/categories?post=154438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innowise.com\/nb\/wp-json\/wp\/v2\/tags?post=154438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}