When it comes to technology implementation, the independent insurance agency channel lags behind the financial services industry, according to the results of Applied System's inaugural digital agency survey.

The majority of agencies are using an agency management system, download technologies and cloud applications to automate their business processes. Where they come up short is in the areas of business intelligence, mobility and self-service.

And at a time when the insurance consumer expects real-time customer service from their computer, tablet or smartphone, there is an opportunity for the independent agency channel to enable digitization across their businesses, Applied Systems says in its report.

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