1. © 2016 Information Services Group, Inc. All Rights Reserved.
Proprietary and Confidential. No part of this document may be reproduced in any form or by any electronic or mechanical means,
including information storage and retrieval devices or systems, without prior written permission from Information Services Group, Inc.
June 2016
What’s the Framework? | Where Do You Start?
Enabling Digital
Ray Shehata
Director
Financial Services
+1 732 331 3431
ray.shehata@isg-one.com

2. © 2016 Information Services Group, Inc. All Rights Reserved 2
Laying the foundation for a digital transformation
Digital transformations starts with a solid vision for cloud, platforms, automation
and how to use agile processes. This creates the backbone and architecture for
digital insights and the interactive customer experience.
ISG’s Digital Framework
Processes
Cloud
Customer
Analytics
Collaborative
Product
Innovation
Business
Insights
Customer
Experience
Product
Analytics
IoT
Automation
Platforms
Access Channels
Social Media
Collaboration
Enterprise
@ @
Partners
Customers

3. © 2016 Information Services Group, Inc. All Rights Reserved 3
Digital requires a flexible infrastructure and better processes
Cloud Management
Team
Windows
Server Team
Data Center
LAN Team
Linux Server
Team
Disk
Storage
Team
Flexible Infrastructure
Agile Application Development & Processes
► Automated infrastructure management
► Standardized and commoditized environment
► Tower orientation replaced by converged cloud
infrastructure management
► ITaaS or service brokers
► Integration and management are differentiators
► Agile in a global delivery model becomes the norm
► Integrated DevOps team with rapid deployment
► Contracting for agile switches from well-defined scope to
variable scope
► Integrated development and business teams drive digital
transformation
Agile Priorities

4. © 2016 Information Services Group, Inc. All Rights Reserved 4
The digital backbone provides agility and cost efficiencies
The digital backbone not only enables agility but can drive costs out of the
business. Understanding the levers is key to formulating the strategy.
Legend
Typical Client Current State
ISG Recommendation
Levers
Automation
Agile PODs
Cloud Adoption
Platform Strategies
Increased Costs Decreased Costs
Staff Aug
Agile PODs
Private Public
Custom Apps SaaS/PaaS
Limited Highly Automated
Distributed PODs

5. © 2016 Information Services Group, Inc. All Rights Reserved 5
Cloud costs are “highly” sensitive to usage
$0
$1
$2
$3
$4
$5
$6
$7
100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%
Annualin$000's
Instance Usage*
Range of Public Cloud Prices per
Logical Server Configured Like
Client's X86 Linux
Sample
Client
Interest in cloud adoption is exploding in insurance, but cloud is not always cheaper.
Internal IT costs are typically less than the public cloud when cloud instance usage is high,
but public cloud becomes more cost effective when usage is less than 55 percent.

6. © 2016 Information Services Group, Inc. All Rights Reserved 6
Applications drive the delivery model
By assessing / modeling the utilization of the applications workloads, you can
devise the optimal deployment model between cloud and traditional data centers
while also rationalizing your application portfolio.

7. © 2016 Information Services Group, Inc. All Rights Reserved 7
A hybrid model
After evaluating workloads, most clients realize they require a hybrid model with
some apps remaining in traditional data centers / managed hosted environments.
AZURESaaS
Salesforce and
CRM
Finance
Systems
Time &
Expense
Reporting
Talent
Mgt
SharePoint apps
Existing
.Net
Apps
OS365
Knowledge
Mgt.
Custom Apps
Backup
&
Restore
Infra
Support
Mobile
Apps
AWS
Legacy Apps
Customized
COTS
PLM
Tools
ERP
Data Center

8. © 2016 Information Services Group, Inc. All Rights Reserved 8
Multi-speed IT addressing digital demands
► More brownfield than greenfield
► Silo Development  APIs, web services, platforms
► Multiple speeds of IT delivery coexisting – agile and
waterfall
► Fixed-price contracts vs agile
► Agile enterprise architecture
► Move from local optimization to lifecycle thinking
► Application portfolio and footprint
► Manage business idea  system retire
► Think “service“ instead of “application“
► Buy vs build vs XaaS
► Flexible price per business service
Software
Development
lifecycle
(Plan-Build, Agile,
Lean, DevOps,,…)
Operations
(ITIL, SLAs…)
Application Portfolio
Management
(Business Case,
Requirements, Target
Architecture,…)
Value delivery
Value
Realization
Value
Identification
Innovation
Portfolio
Business Unit
Portfolio
Enterprise
Portfolio
Agility
Stability
Multi-speed Application Development Focus on Application Lifecycle
Digital transformation will also require applications to be developed at different
speeds, giving rise to bi-modal IT.

9. © 2016 Information Services Group, Inc. All Rights Reserved 9
Get ready for DevOps
Applications undergoing higher speeds of change will demand integrated DevOps.
Continuous
Product
Validation
Continuous
Monitoring
Continuous
Product
Planning
Continuous
Deployment
High Speed
Test Driven
Development
Continuous
Testing & Staging
Continuous
Integration
Multi-speed development:
Agile / Kanban / Lean
Automation, monitoring,
making it safe to fail
Systems Thinking & stricter
Application Lifecycle Mgmt
Agile operations with SDDC
Culture, people, processes –
especially when sourced
Building Blocks for DevOps
Operational Success
Agile architecture,
microservices & platform

10. © 2016 Information Services Group, Inc. All Rights Reserved 10
Strategy
to Portfolio
Drive IT portfolio
towards Business
Needs, Innovation &
Continuous
Improvement
Requirement
to Deploy
Build what the
Business wants,
when it wants it
Request
to Fulfill
Catalog, fulfill &
manage service
usage
Detect
to Correct
Anticipate & Resolve
Production issues
BusinessDemand
Multi-speed process orchestration in a digital enterprise
The role of infrastructure shifts from “installer and maintainer“ to “broker and
communicator.“
Performance Management
Cont. Serv. Improvement
Benchmarking
Reporting Service Level Management
Consumption Management Quality Management
Governance Framework
Process Management
Governance & Management Systems
Org Change Management
Policies & Standards Mgt.
Knowledge Management Data Management
Information Management
Audit & Compliance Management
Risk & Compliance Management
Risk Management
Partner Integration
Contract Change &
Amend
Contract Interpretation
Prov. Audit Prep. &
Tracking
Invoice Management
Value Assurance
Contract Compliance &
Del.
Provider On-/Off-boarding
Provider Communication
Spend Pool Management
Sourcing Lifecycle
Management
Enterprise
Strategy
Incremental
Improvement
SDLC OR
Scaled Agile
Managed RunEnterprise
Portfolio
Digital
Strategy
Iterative
Innovation
Scaled
Agile
DevOpsInnovation
Portfolio
Differentiation
Strategy
Incremental
Innovation
Scaled Agile
OR SDLC
DevOpsBusiness Unit
Portfolio

11. © 2016 Information Services Group, Inc. All Rights Reserved 11
How ISG typically gets started with clients
► What are our current costs and consumption?
► What should we move to the cloud? What should we keep in our datacenters and
optimize?
► What’s the ROI of the targeted digital future state? What will it cost to implement,
including the upfront investments?
► What’s the implementation roadmap, including overall program timeline, service
management design and other change management programs required to transform to
the new delivery model?
ISG recommends starting by developing a digital strategy that focuses on creating
the digital backbone and transforming the legacy infrastructure into a cloud-ready
agile-enabled environment. The strategy should address:

12. © 2016 Information Services Group, Inc. All Rights Reserved 12
About ISG

13. © 2016 Information Services Group, Inc. All Rights Reserved 13
The ISG Advantage
ISG focuses exclusively on helping clients achieve operational excellence by providing
unparalleled data, experience and insights.
► Achieved or identified more than US $65 billion in
client savings in more than 17,500 engagements
► Advised over 80 percent of the Forbes Global 100
with most being repeat clients
► Advised on 17 percent of the sourcing market’s
annual TCV awarded and more than 60 percent of
the TCV sourced with the aid of an advisor over the
past five years.
► Owner of one of the largest authoritative
repositories of sourcing contracts and cost
benchmark data in the world
► Over 1,000 professionals in 21 countries, serving
commercial enterprises and governments across
the globe
► Proudly independent with deep collaborative
relationships with all major service and technology
providers
1,000 employees in 21 countries

14. © 2016 Information Services Group, Inc. All Rights Reserved 14
ISG Differentiators
ISG is the leader in all aspects of services strategy, sourcing and business operations
advisory.
*Contracts with ACV> $5M from the ISG Contracts Knowledgebase™ since 2008
► Corporate focus on ISG product
development; data harvested from
engagements for benchmarking
► Large teams of SMEs in all competencies
from Service Integration to
Applications/DevOps to Emerging
Technology
► Robust and continuously improving product
development and training with a focus on
solutions
► Committed to engage with the service provider market; robust investment in
research and collaborative sessions with the provider community in IT, Applications,
Business Process and Engineering Services
► Aligned with service providers’ most recent improvements so that our clients can
take advantage of capabilities they may otherwise not experience
65%
7%
5%
5%
4%
2%
2%
10%
ISG
Big 4 Acctg Firms
Law Firms
Other Advisory…
Mgt Consulting…
Research &…
Other Niche Firms
Unrevealed
Type of Advisor Used for Broader Market* Awards
N = $298 in Annual Contract Value

15. © 2016 Information Services Group, Inc. All Rights Reserved 15
ISG’s Global Insurance Practice At-a-Glance
Our service lines and competencies provide a comprehensive array of consulting
skills augmented with deep insurance industry knowledge
Service Lines
Competencies
PERSONAL &
COMMERCIAL:
AUTO / MOTOR
PROPERTY
GENERAL LIABILITY
UMBRELLA
WORKERS COMP
WHOLE
TERM
ANNUITY
UNIVERSAL
VARIABLE
LTC
A&H
GROUP
Research
Data & Analytics
Strategy & Operations
Transaction Services
Managed Services
APPLICATION
DEVELOPMENT
APPLICATION
MAINTENANCE
END USER
COMPUTING
INFRASTRUCTURE
NETWORKS
Information
Technology
SOCIAL
MOBILE
BIG DATA
CLOUD
Digital
CONTACT
CENTER
FINANCE &
ACCOUNTING
HUMAN
RESOURCES
FACILITIES
PROCUREMENT
Business
Services
NEW BUSINESS
/ POLICY ISSUE
POLICY
SERVICING
CLAIMS MGT
BILLING &
COLLECTIONS
ANALYTICS
ACTUARIAL /
UNDERWRITING
AGENCY /
DISTRIBUTION
INVESTMENTS /
RETIREMENT
RISK /
COMPLIANCE
Products
P&C Life

16. © 2016 Information Services Group, Inc. All Rights Reserved 16
Financial Services and Insurance Engagement Experience
ISG has a long track record in helping the world's leading insurance companies meet the
demands of increased agility, efficiency, compliance and client service.
Engagements by Region
30
Asia Pacific
113
N America
75
U.K. &
Ireland
71
S Europe
122
DACH
29
Other EMEA
97% of our
engagements
are with repeat clients
2
Latin America
 Assisted 13 of the 20 largest US
insurers (by premium)
 Largest claims and underwriting BPO
transaction in US history
 Supported global insurance
operations lift outs
 Program managed global data center
consolidation, transitions and
transformations
221
3,579 Total Engagements for
363 Unique Clients
Engagements by Service Area
Inform Services 15
Assess Services 1,979
Design Services 180
Execute Services 618
Transactions* 464
Transformations 54
Transitions 87
Operate Services 250
Project Management Services 221
Governance Services 28
Consulting Services 537
*TCV of ISG Led Sourcing Contracts ($B) $85 B
% ISG Led Contracts Valued at > $50M 63%

17. © 2016 Information Services Group, Inc. All Rights Reserved 17
Business &
Customers
Demand
End
Users
Products
Employees
External
Customers
R&D
Service
Delivery
Supply
Cloud Services
(SaaS, PaaS,
IaaS)
Social Media &
Collaboration
Traditional Services
(IT & Business Process)
BPaaS
Automation
ISG understands insurance business operations and services.
Whether your services are internally
provided, outsourced, from an offshore
captive, shared services or all of these,
we know how to help you be more
efficient and save money.
Operational excellence is our business.
Our clients ask:
► How do I ensure my IT and business services
meet the demand of my internal and external
customers?
► How do I ensure my back office is efficient
and the services are optimized?
► Is my organization delivering services
competitively?
► How can I ensure that my service providers
deliver the best services and integrate
effectively with the rest of my organization?

18. © 2016 Information Services Group, Inc. All Rights Reserved 18
Acquisitions and partnerships enhance ISG Service offerings.
What applications are appropriate for the cloud?
How much do applications cost across public cloud providers?
What is the cost of my current environment?
(applications and workload)
Is my consumption aligned with the industry?
What am I consuming on premises and in the cloud?
How can I optimize my license agreements as we move toward digital
and cloud strategies?
►What are the trends in my industry?
►What are my current costs and consumption?
►What can I move to the cloud?
►What will it cost me?
►And…..How do I measure what I get and get
what I’m paying for?
We have also acquired companies and formed partnerships to help our clients
answer the following:
ISG acquired Saugatuck which provides
subscription research and research-based
consulting and event services focused on Cloud (in
all of its forms - IaaS, PaaS, SaaS), Mobility,
Social Computing, and Advanced Analytics,
among other key trends enabling the Boundary-
free Enterprise.
Partners

19. www.isg-one.com
Information Services Group is a leading technology insights, market intelligence and advisory services company, serving more than 500 clients around the
world to help them achieve operational excellence. ISG supports private and public sector organizations to transform and optimize their operational
environments through research, benchmarking, consulting and managed services, with a focus on information technology, business process transformation,
program management services and enterprise resource planning. Clients look to ISG for unique insights and innovative solutions for leveraging technology,
the deepest data source in the industry, and more than five decades of experience of global leadership in information and advisory services. Based in
Stamford, Conn., the company has more than 900 employees and operates in 21 countries.
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