There are two major categories of those talented individuals—specialists and generalist, according to Martin Ellingsworth, an analyst with Celent (Boston). “Specialists—at vendors mostly—are going big and at scale with the ‘art of the possible’ and productizing good use cases, then selling to insurers trying to realize impactful business value,” he says. “Generalists—who are mostly internal insurer staff—are doing test-and-learn sandbox pilots around proving good use cases and then failing to reach implementation. Lacking focus on a use case, technologists in academia and the insurance industry end up with more research than results.”