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Editor’s Note: The following article has been provided by Adrian Guttridge, the executive director of global insurance services at Xchanging.

The ways in which technology can both transform and destroy traditional mechanisms for providing services to customers are far-reaching. Disruptive technologies specifically need to reshape the insurance industry. Failure to adapt to these technologies can leave a major insurer looking as obsolete as brands such as Kodak or EMI do today.

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