""There are times when we talk to carriers about integrating a line of code into their app to integrate more with Facebook, and the answer we get is, "Well, our next release cycle isn't fr another 8 months." The ability to speed up those release cycles is a variable that we see with those carriers that are not just talking the talk, but taking action"

- Brad Auerbach, US industry manager, Facebook 

Digital disruption in insurance:Cutting through the noise McKinsey 

One barrier facing insurers is the constraint of complex, inflexible core systems- even newer digital platforms that are far from agile and costly to change.

For some answers see "Digital transformation & the challenge of Legacy Systems"