With costs escalating across the insurance value chain, it may not seem like the ideal time to push the envelope on digital transformation. But with insurers facing unprecedented trials from the economy, global unrest, the environment, and policyholders, it’s clear that the processes of the last century must finally be put to bed. We look at what happened this year, outlining the silver tech linings from among the gloomy macroeconomic clouds, and look to the next year to seize this moment and look for new opportunities rather than retrenching.​