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According to Gartner, which places the maturity of insurer’s use of cloud in the middle of the spectrum (“moderate”), cloud-based Software-as-a-Service (SaaS) is being seen in insurance primarily in non-core applications such as email, collaboration, file-sharing, and Web conferencing. Gartner predicts that enterprise applications not seen as competitive assets—such as financial management, HR and procurement—will lead cloud adoption among insurers, while the use of SaaS for vertical solutions will remain limited. 

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