"What is the source of business transformation? Technology? Changing processes? Leadership? Innovation? 

It can be all of the above. Sometimes just one component can precipitate positive transformation and at other times a combination is required."

Lou Lwin in Raconteur July 2nd 2018

In cellular biology, transformation is a process that results from a cell’s “competence” – it’s ability to change, whether that occurs naturally or is artificially induced. Applying this analogy to digital transformation, we need to know what our competencies are and when they need to be augmented. 

Lou Lwin shows how MarkerStudy applies this to digitally transforming insurance- in particular reducing fraud and tackling customer churn.

Exploiting technology, augmenting human intelligence and a healthy dose of algorithms.