The Most Innovative Companies To Watch In 2021

WWW.THEENTERPRISEWORLD.COM | APAC EDITION | DECEMBER 2021 Raj Sahu | Founder Renovating the Hospitality Industry with SaaS







From Editor’s Desk “The value of an idea lies in the using of it.”— Thomas Edison As they say, innovation is the key! Be it a minuscule problem or greater one, if one is able to find an innovative way around it, he has won the world. But it goes without saying that innovation needs courage, undeniable courage to identify the problem, be on top of it, and then find an innovative solution to make people’s lives easier. Featuring for The Enterprise World’s this issue of The Most Innovative Companies to Watch in 2021 are some of such companies, who with their innovative solutions to unnoticed problems have made this place a better place to live. Featuring for the Cover Story is Sysotel, a company that offers solutions in hospitality tech software. The solutions offered are quite cost-effective for the low-scale, mid-scale, and large-scale industries. The company is known to have ventured with several like-minded groups of experienced persons with a proven track record. This has thereby helped SYSOTEL to observe case studies that have successful hospitality management when teamed up with operations management, e-commerce management, revenue management, sales, top line, and bottom-line GOP achievements. Among the special features, read about Aselector, founded by Ashutosh Sharma. He laid the foundation of the company to present an intelligent knowledge management platform. This platform offers customers self-help, chatbots, full-cycle decision support, and knowledge management. This helps the staff follow the standard operating procedure, ensure consistency for customers, and reduces the burden on expert attrition which helps Aselector’s clients serve their customers better and faster. Read this and other features of companies that have put their best foot forward. Shalmali Shalmali W.

The Enterprise World, Pride Purple Square, Wakad, Pune, 411057 Follow Us On: For Editorial Concerns: [email protected] For Sales & Branding Enquiries: [email protected] For Subscription: [email protected] Publisher The Enterprise World Creative Content Editor Shalmali W. | Adeeb Marketing Coordinator(APAC) Meera B. PR & Marketing Coordinator James H. Business Development Executive Suchita P. Creative Design Head: Sushant K. Social Media Manager Narendra S. Digital Circulation Manager Amanda V. This list is NOT a ranking. The companies on listed in magazine serve different aspects of the market, making ranking them in any order except revenue impossible and unfair. We try to bring a perfect platform for business organization to showcase their valued products/ services. Copyrights © The Enterprise World | 2019. All Rights Reserved. The images and content included in this magazine should not be copied, transferred or reproduced in any form or by any means, electronics, mechanical, photocopying, recording, otherwise, without proper permission from The Enterprise World. The Enterprise World solely owns all the reprint rights.

Leaders in Spotlight Featuring for the Cover Story is Sysotel, a reduces the burden on expert attrition which company that offers solutions in hospitality helps Aselector’s clients serve their customers tech software. The solutions offered are quite better and faster. cost-effective for the low-scale, mid-scale, and large-scale industries. The company is Aselector is a SaaS-based technology known to have ventured with several like- company, which provides an intelligent minded groups of experienced persons with a knowledge management platform proven track record. This has thereby helped implemented as an interactive decision tree. SYSOTEL to observe case studies that have Aselector provides No code, interactive successful hospitality management when decision tree platform for customer self-serve teamed up with operations management, e- as well as agent support. This platform can commerce management, revenue help achieve a significant reduction in support management, sales, top line, and bottom-line costs and improve customer satisfaction and GOP achievements. first contact resolution. It is especially suitable for startups and mid-size companies SYSOTEL also offers a powerful Revenue that seek to improve customer service and Management AI (Automated Intelligence) reduce service costs at the same time. System. This AI system helps the small to In Special Editorial Articles read- mid-scale hotel operators to sustain in high traction competition, offers multiple rate Insuring A Bright Future For The Life discount conditions customization on rates, Insurance Industry! dates, time, seasons, inventory, and a user- friendly yet informative dashboard. Rushabh Gandhi Deputy CEO, IndiaFirst Life Insurance Ashutosh Sharma, Founder of Aselector laid Company Limited. the foundation of the company to present an intelligent knowledge management platform. & This platform offers customers self-help, Hibernate In Style – Winter Decor! chatbots, full-cycle decision support, and knowledge management. This helps the staff Bhawna Khanna follow the standard operating procedure, Founder and Owner, Studio Astrid ensure consistency for customers, and

12. SYSOTEL

24. CONTENTS Aselector 36. CXO A T30.R 4 Software All Small Business I Owners Should Consider C L E





COVER STORY Renovating the Hospitality Industry with SaaS 12 DECEMBER 2021

S Raj Sahu Founder www.theenterpriseworld.com 13

COVER STORY The hospitality industry has seen immense growth in the past two decades. Considering the technological advancements in various sectors, the hospitality industry has managed to thrive on it as well in order to remain relevant and competitive in the market. Amongst the most beloved developments are the SaaS and cloud computing trends are helping the hospitality sector for its betterment. SaaS has created new ways of innovation which introduce the world to entirely new functionality. This enables firms to find new ways to collaborate and share vital information within the hotel with their guests and partners. When joined forces of SaaS and the hospitality industry, SaaS has an eminent potential to transform areas such as reservation management, online bookings, front desk management, housekeeping services, and guest engagement. Amongst the various SaaS-based companies which provide an end-to-end hospitality solution is Sysotel. Sysotel was founded by Raj Sahu to provide affordable and insightful solutions to the hospitality industry. His background has given him a unique perspective on what it takes to succeed in the competitive market. This encouraged Raj to build a product that would help hotels increase their revenue by using artificial intelligence and machine learning in order to make intelligent decisions about how to push their rates on various platforms like Expedia or Booking.com without having to deal with all of the hassles. Solutions Offered Sysotel offers plenty of solutions that consist of hospitality tech software. This software is generally based on an Augmented Reality based Hotel website builder, Simple and UI friendly RMS & Powerful hotel channel manager. The key product of the company is 14 DECEMBER 2021

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COVER STORY “Businesses can't afford to react to what their customers want; they need to anticipate their needs. SYSIRMS. This solution is much different than the low-scale, mid-scale, and large-scale industries. The traditional RMS systems which are available within company is known to have ventured with several like- the market. SYSIRMS is mainly powered by AI. In minded groups of experienced persons with a proven track addition to that, the solution is powered with AI record. This has thereby helped SYSOTEL to observe case with unlimited features and options with Data studies that have successful hospitality management when science trends. teamed up with operations management, e-commerce management, revenue management, sales, top line, and The solutions offered are quite cost-effective for the bottom-line GOP achievements. 16 DECEMBER 2021

Apart from that, SYSOTEL is renowned for providing operators to sustain in high traction competition, unmatched solutions to entrepreneurs. This has helped offers multiple rate discount conditions customization these entrepreneurs to accomplish their desired goals on rates, dates, time, seasons, inventory, and a user- without any limitations. friendly yet informative dashboard. SYSOTEL also offers a powerful Revenue Reputation Management Management AI (Automated Intelligence) System. This AI system helps the small to mid-scale hotel The difference between a hotel's income and earnings can be determined by its reputation. Taking into www.theenterpriseworld.com 17

COVER STORY “Do one thing every d one by one and time by the competition and Become be your unique point to Ju for rest of the 18 DECEMBER 2021

day that scares you, e time you will overpass the e Unique one and that will ump Higher and Sett Goals Competition” www.theenterpriseworld.com 19

COVER STORY 20 DECEMBER 2021

consideration the usage of the online reputation “What new technology management services of a firm like SYSOTEL to does is create new monitor and manage the online reputation of a hotel. opportunities to do SYSOTEL assists your hotel in maintaining its online a job that customers reputation with a portfolio of the best online want to be done. reputation management technologies. wants to be an established firm that would work as a Controlling how a hotel is perceived by customers or one-stop solution for all kinds of hospitality tech other approaching parties is the goal of hotel innovations. reputation management. Because the hotel industry deals directly with consumers, what they have to say The firm wants to help the hoteliers understand the about the hotel is essential because they will carry market segment via data analytics. Moreover, this can their experience with them. The hotel sector is a help businesses to create a memorable experience for customer-facing industry, thus public relations is their customers. Additionally, with data integration critical to ensure that clients have a positive businesses will have the potential to identify risks, impression of the establishment. competitors, forecast the micro-environment, and learn to stay ahead of the curve. Because there are so many online venues to manage reputation on, reputation management is more crucial Thus, SYSOTEL ensures that the hoteliers will have than ever. Customers are talking about hotels all over enough data which will help them to innovate new the place, from search engine reviews to third-party products and services which will be in the best interest booking sites to social media. As a result, using online of the customers. The establishment will help reputation management services to monitor and businesses incorporate a consistent data governance regulate what they are saying is critical. policy for long-term customer trust and recognition. Dealing with the Challenges Being a Mentor The company has faced its share of true challenges. Having experience of 20+ years in the hospitality The initial challenge for the company was to find and industry, Raj has expertise in hotel operations, sales, develop an affordable world-class system assisted revenue management, data analytics, and technology. with AI technology. After plenty of effort and lots of He founded SYSOTEL intending to offer unique research, the company found a way to develop a more products that would help to attain a 100% success agile, powerful, reasonable, and stable solution for the rate. hospitality industry. This solution would help hotels to recover fast and effectively from the effect of the During his tenure, he conducted several training ongoing COVID-19 pandemic. sessions conducted on a regular basis. These sessions allowed the employees to put forth their inputs and Since the hospitality industry has been affected badly opinions. Their valuable inputs and opinions made by the pandemic, there was a clash in the profits of SYSOTEL grow even more strong. The team of these companies. This triggered the growth of employees is unique since they are from all the SYSOTEL as the company offered solutions with individual domain experts. The firm with all of its proven track records of hotels that had recovered employees promises to understand the problem from faster and started earning profits. the core then arrive at a cost-effective and apt solution. Futuristic Developments SYSOTEL has envisioned being at the forefront of the technological revolution in the hospitality industry and emerge as a pioneer in the field. The company www.theenterpriseworld.com 21





Ashutosh Sharma Founder Aselector Offering a Better Knowledge Management Platform 24 DECEMBER 2021

P resently, Software as a service has attracted plenty 4. Very strong reporting with drill-down functionality of attention in terms of business and academic in charts. spheres. It is easily accessible via networking and Internet standards since AI and ML have made web-based 5. Responsive end customer view, agent view as well applications more powerful and effective as a technology. as setup view. The whole application can be This architecture mainly runs in a distributed network using developed, configured, and set up from the mobile virtual resources. Due to the increased demand for this or tablet if the customer chooses. technology, various companies offer cloud computing and SaaS solutions. 6. Strong state and time tracking for agents across queues. The application can also automatically Ashutosh Sharma, Founder of Aselector laid the change the skills of agents and perform line foundation of the company in order to present an intelligent balancing across queues without manual knowledge management platform. This platform offers intervention. customers self-help, chatbots, full cycle decision support, and knowledge management. This helps the staff follow the 7. Multiple displays and design options to configure standard operating procedure, ensure consistency for the front end as per the client's preference and customers, and reduces the burden on expert attrition which requirements. helps Aselector's clients serve their customers better and faster. This is a candid interview featuring Ashutosh Ÿ What were the initial challenges you faced? Sharma, The initial challenge we faced was to build a powerful Ÿ Brief us about the company. effective platform that is easy to set up and customize; with help of AI technology and years of cumulative experience, selector is a SaaS-based technology company, which we have successfully overcome the challenge and found the provides an intelligent knowledge management platform way to be a more agile, powerful, affordable and stable implemented as an interactive decision tree. solution for customer support which helps organizations We provide No code, interactive decision tree platform for deliver world-class consistent service at a lower cost. customer self-serve as well as agent support. This platform can help achieve a significant reduction in support costs and Ÿ Which was that point that triggered the growth of improve customer satisfaction and first contact resolution. It the company? is especially suitable for startups and mid-size companies that seek to improve customer service and reduce service With the pandemic impacting all industries, most costs at the same time. companies had an impact on their customer service and shifted to work from home models. This creates a unique The product includes a built-in workflow and a real-time opportunity for digitization of customer support and a shift queue status to effectively manage various work queues. towards customer self-serve. As per a recent report, up to The platform has built-in AI to take automated decisions for 81% of customers try to look for a solution online before customer requests based on various environmental (device. contacting the company via traditional channels. Supporting location, OS, local time, etc.) and supplied data sets. This agents in a non-office environment have also become a helps achieve the most accurate and fastest resolution to pressing need with reduced face-to-face pieces of training queries, making it a highly effective tool. and coaching, highlighting the need for a more robust online knowledge management system. The interface is based on minimalist and just-in-time principles. It is also customizable to align with client Ÿ What is the reason behind your company's long- branding and website guidelines. It can be set up and standing success? published in as little as a day with a no-code creation. Our vision is to enable organizations to achieve world-class Key distinguishing features include: customer service to their customers. Our platform enables our clients to deflect customer requests to online channels 1. Automatic decisions by the platform based on and reduce the interaction in traditional channels resulting environment variables (device, time, location, in improved profitability while maintaining or improving etc.), user input, and API inputs. their customer satisfaction scores. We aim to be at the forefront of the technological revolution in the customer 2. Keyboard navigation, which is a first for web- service space across industries and emerge as pioneers in based applications. the field by establishing online self-service as a preferred mode of accurate and low customer effort resolution. 3. A judicious mix of front and back-end technologies to provide a superfast user interface. www.theenterpriseworld.com 25

Ÿ What are the products/services the company focuses Ÿ Can you please brief us about your professional on? How are your services different from those in the experience? market? Ashutosh Sharma, the Founder, comes with a vast We focus on customer self-service and agent support to experience of 25+ years in customer services across provide consistent resolution for customers irrespective of Telecom, financial service, and manufacturing industries. the channel they use. We have a decision tree Chatbot and a He has led six sigma quality, analytics, transformation, and full knowledge management platform with a built-in re-engineering teams. His expertise is in improving workflow for follow-up resolution to customer queries. We processes using data science, process design, statistical and are uniquely positioned to support the full resolution cycle lean tools for increasing end-customer satisfaction. We are and don't just leave off after handling the initial request. also supported by very experienced consultants who can support client organizations based on their global customer Ÿ How do you decide to take the company a step service experience across industries. further in terms of your products/services? Ÿ How do you look after your employees? What makes The features development on the platform will be guided by your team unique? client and end customer feedback and requirements. The objectives will be set by the clients, and we will apply our We believe that happy employees make happy customers. technology, AI, ML, and data science expertise to help We focus on constantly upskilling our employees and achieve the objectives efficiently and intelligently. encourage them to be involved in areas outside their main area of work. Our values of fairness, transparency, inclusion We believe omnichannel consistent experience with low and excellence in a boundary-less culture enable us to value customer effort is the way forward. Customers deserve to everyone's opinions and allow them opportunities to get the same resolution across any channel, and they should develop new skills. get the same resolution that is accurate and compliant. Our efforts are on creating a minimalist, efficient, and superfast Ÿ Which is the one person that you admire the most? interface which reduces clutter on screen and avoids confusion. The platform is built on a lean framework and M K Gandhi is a guiding light, not just due to leadership just-in-time principles which are efficient and reduce qualities of bringing along everyone, but also coming up unnecessary effort. with an out-of-the-box, creative way of protest. Many countries have struggled for freedom, but he showed that a Through data analytics, organizations can understand the non-violent way can be equally or more effective as a reasons customers contact them and reasons for solution. dissatisfaction. We are able to quantify the effort and therefore the cost to the organization of various issues in Ÿ Constant vigilance- a need or a strategy? Please their processes and a clear line of sight into what needs to share your views. be worked upon to reduce the need for customer contact. The objective is that the client product and processes should I believe vigilance should be as little as possible. The be so clear and error-free that customers do not need to processes should be so reliable and consistent that audits or contact the company – except for giving compliments quality checks can be reduced. Quality control is a pure hopefully. non-value-added activity for the end customer. If the product works fine every time, it is up to the company to do Ÿ Is there any new addition to the list of quality checks or not. Vigilance and checks are built in to products/services? Anything exciting you would like take care of errors, if you take care of errors, the need for to share? quality checks can be reduced. Vigilance should be more on inputs rather than the output when processes are consistent. There is a potential for the platform to grow into consulting It is a need to ensure compliance in some areas, but the and to add more future-looking features into the application strategy should be to reduce it with effective controls. with predictive analytics, voice recognition, and proactive actions based on expected failure points. These will be Ÿ It's a rat race out there. How do you cope with that? driven by how technology develops in these areas as well as which features would be preferred by the customers in the We will work on creating value for the clients and hopefully future. the rest will take care of itself. 26 DECEMBER 2021







Software All S Owners Shou It’s common for small businesses and startup owners to multitask painfully. Owners become accountants, bookkeepers, customer service reps, and marketers to keep their businesses running. And although this practice saves small ventures money, it can be tiring and, not to mention, frustrating! If you’re a small business owner and you’re experiencing the same situation then you might consider automating some of your business practices. It’s time to use innovative, efficient, and useful business software. Let’s find out how software can change the way you run your small business. We will also focus on some of the top business software recommended for small business owners like you. Your Small Business Needs These 4 Software Programs Business software is a term used to describe software programs used to automate different business processes. While large companies and business enterprises commonly consider business automation, there is software that can benefit small business owners. For example, consider accounting software, bookkeeping software, communications software, and customer relations software. With business software, owners can enjoy the following benefits: Ÿ More time to focus on developing their products and services. Ÿ More money, effort, and time to concentrate on marketing and advertising. Ÿ Increased customer satisfaction. Ÿ Fool-proof business tasks processed on time. Ÿ More savings are available to spend on other aspects of a business. 30 DECEMBER 2021

Small Business uld Consider www.theenterpriseworld.com 31

Aside from these benefits, you’ll experience an overall Ÿ Invoicing improvement in your business practices. For example, your Ÿ Tax filing staff can function seamlessly while your customers Ÿ General ledger recognize your brand and trust your products or services. Ÿ Cash flow, trial balance Ÿ Accounts receivable and payable 1. Accounting Software Ÿ Balance sheets Ÿ Expenses statements Accounting software is the most common and most crucial Ÿ Payroll available business software. This type of software can help business owners in time-consuming accounting tasks such 2. Bookkeeping Software as tax filing, cash flow maintenance, etc. With bookkeeping software, all your business financial Accounting software will automate these tasks to records are kept and organized. This type of software is concentrate your efforts on growing your business. Almost usually part and parcel of most accounting software. Like all accounting software is available at a subscription with a accounting software, it may offer a free trial. limited free trial. Taking a free trial helps a company decide which software is the best for their business. Manual bookkeeping is possible, but having software that can automate this process makes things more efficient and a Although there’s nothing wrong with manually completing lot less stressful. Therefore, this type of software is accounting tasks, there’s always the possibility of recommended, especially for small-scale businesses and encountering errors. And, of course, mistakes can be very first-time small business owners. In addition, you can better costly for any business. So, avoid mistakes and focus on deal with issues if you have seamless software to use. your small business better by adapting good accounting software. Bookkeeping software can help you with the following: Accounting software is essential for the following business Categorizing transactions functions: Create financial statements such as balance sheets Record bank statements and transaction 32 DECEMBER 2021

3. Communication Software Customer relationship management software will help you with Communication software helps teams connect and work on different projects and campaigns. In addition, this type of Ÿ Centralizing customer and client data software allows you to disseminate information to your team Ÿ Converting your leads to ensure that all your business processes are seamless. Ÿ Increasing customer retention Ÿ Automating marketing There are many communication software available online, Ÿ Improving revenue each with varying features to offer. For instance, communication software like Slack allows you to assign Other Software Applications for Growing Businesses projects for every team member. Slack lets you make direct As your small venture evolves into a more established messages to people and even add clients or customers as your business, you’re likely to expand your service offerings or connections. You won’t have to lose track of anything as products. You may also take in other responsibilities to add everything you need is on one screen. more staff, branch out to different locations, or acquire more customers. Video communication software is essential for small businesses that need constant communication and To help you manage your growing business, you need collaboration. Software like Zoom helps you conduct software like the following: meetings or conferences. Meanwhile, Skype lets you make voice calls and video calls for free. You can buy Skype Data Protection Software credits and call landlines and mobile numbers as well. Data protection software secures customer data and According to Digital Authority Partners, choosing the ideal prevents hacking and other cybercrimes. Antivirus software, communication software for your small business will depend firewall, malware, and ransomware are just some of the on your needs and budget. Also, consider software that’s easy most common examples. to use and available as a mobile application so you can communicate with your employees or staff anytime. Payroll Software Good communication software allows you to Payroll software automates employee compensation and other benefits. In addition, this software lets you track Ÿ Send direct messages to your team members absences, tardiness, leaves, and other payroll-related Ÿ Make voice calls concerns. Ÿ Make video calls or meetings Ÿ Communicate with your team even on the go Project Management 4. Customer Relationship Software or CRM As you take on more projects from different clients, you need efficient project management software so you won’t Your customers are the heart of your business. You are lose track of your projects. In addition, this software keeps nothing without your customers and clients, so you need you more organized and every team member working good customer relationship software. CRM software gives towards a specific goal. you a better understanding of your customers’ needs and keeps track of customer interactions. Final Words CRM software is essential in digital marketing. It enables With a small business digital marketing expert, you can you to keep and manage customer data which you can mine improve your small venture using the latest tools and for marketing ideas and strategies. CRM will automate your software. You can automate business processes, so you’ll sales process and marketing efforts so you can focus on other have more time to focus on more critical tasks. Find the aspects of your business. Good CRM will also help you right business software to give you and your customers the forecast sales and customer behavior for future campaigns. best value. www.theenterpriseworld.com 33





The next decade holds a lot of promise for the life Answering these questions by “thinking like a customer” insurance industry. The increase in the size of the will give us incisive insights into how the industry will global middle-class population, higher incomes, shape up over the next decade. Here is a glimpse of what medical and healthcare inflation, and the heightened need we can expect. for mortality protection have become the tailwinds for the Ÿ Vanilla is Passe: We must spice up our product suite to life insurance industry. Awareness amongst consumers continues to rise and so do the business volumes. As of meet the needs of our customers. Millennials and Gen Z YTD August 2021, the industry has grown by 17% in terms need products that can adapt to their changing lifestyle; of Individual New Business APE and the private sector has bite-sized insurance or context-based insurance appeals grown by 31% - and this is just the beginning. The future is to them. rapidly changing with ever-evolving technologies that keep Imagine winning extra points for following a healthy altering business and social landscapes. The only way we lifestyle! Data from lifestyle apps, search engines, can be prepared is through relentless and disruptive wearables, and other consumer devices offer invaluable innovations. As insurers, it is our responsibility to insights into customer habits, which can help predict proactively drive the change we wish to bring about. premiums. For e.g., fitness enthusiasts with a healthy exercise record may have to pay lower premiums compared Consumer expectations will pivot, and our value to those with a high-stress job and an adversary medical propositions have to keep up. Are protection or pure term history. plans truly vanilla offerings or can we spice them up a bit? Is savings in life insurance restricted to creating a financial Essentially, in 10 years from now, I foresee people buying corpus or can we also offer ecosystem solutions? Is the insurance for a handful of rupees, which can potentially current buying journey adept or can we impress the reduce further if the buyer is fitter than the 'average Indian'. customer by simplifying it further? An insurance policy could also be activated or deactivated at will. 36 DECEMBER 2021

Insuring a Bright Future for the Life Insur ance Industry! As bizarre as it may seem today, this seemingly large gap Documentation, health check-ups, underwriting can all be between “here and now” and “then and there” will most done by leveraging on the customers' digital trail – as soon likely be bridged within the next few years itself. as the customer gives their consent of course. Adhering to safety protocols and safeguarding the customer's privacy is Ÿ An Ecosystem Vs. A Corpus: With a view to offering a given. customers a larger range of relevant products and services, many insurers are building the means to This is likely to lead to a productive role reversal. facilitate end-to-end buying experiences. Instead of the customer sharing documents and insurers verifying them subsequently, insurers would now Ÿ If retirement is the financial goal, setting up an collate the necessary data to populate the application ecosystem with retirement homes, delivery services, form, underwrite the policy, and eventually issue it. hospitals, and other such relevant services will help an The customer simply needs to check the veracity of the insurer provide differentiated offerings to customers. facts and confirm accuracy. Life insurers could offer 25 years at a retirement home, along with relevant services, instead of paying out Opportunities don't happen. We create them. There are annuities. endless possibilities to create bespoke products that make sense for the consumer, enhance the buying experience, and Ÿ If the financial goal is providing for a child's education, excite them. Imagine a hyper-personalized product that tying up with educational institutions, hostels, packers grants peace of mind for your lifetime. & movers, and other relevant services will help an insurer ensure that the customer's goals are fulfilled. Imagine you securing for your life's certainties by simply Offering an ecosystem solution is currently difficult to saying YES – isn't that wonderful? Yes, it is! Is this fathom, but it will change with time. This will also transition easy? No, it is not! But then again, is this present insurers with forwarding integration transition impossible? Most certainly not! Then, what will it opportunities, and it should not surprise us if insurance need from us to ensure a bright future for the industry and companies invest in schools, retirement homes, and the its customers? It needs relentless inventions, innovations, likes in the foreseeable future. and initiatives! The good news is that insurance industry practitioners recognize this. Ÿ KISS [Keep it Supremely Simple] For the Customer: A digital footprint is a reality. Financial health, medical health, social and political beliefs – everything has a digital trail. There are nine billion devices connected to the internet today, and in 10 years this number will only rise. We have to bring it all together and use it to make life simpler for the customer. www.theenterpriseworld.com 37