aPPendIx I The following table showcases the technology stack at every stage of the insurance technology maturity framework, ie: the application landscape, data and analytics environment, and IT infrastructure. IT decision makers at insurance organizations may use the table to identify and define the current and desired stage of digital maturity: STAGE 1 STAGE 2 STAGE 3 STAGE 4 Applications ǡ Mainframe-based ǡ Monolithic ǡ Commercial-off- ǡ Enterprise applications enterprise the-shelf (COTS) applications ǡ MS Excel/Access- applications for and customized integrated with based processes underwriting, single-page exponential claims, and billing applications technologies ǡ Defined workflows ǡ OCR and –blockchain, Robotic Process artificial ǡ Siloed data Automation (RPA) intelligence, machine learning, ǡ Enterprise mobility IoT, telematics, and ǡ Agile software drone technology development ǡ DevOps and and ‘continuous gamification integration and continuous TE TE delivery’ (CI/CD) TE A ǡ Robust integration A OMA via APIs to V CELER facilitate a single C UT source of truth INNO A A Data and ǡ Un-normalized, ǡ Relational, clean ǡ Heterogeneous ǡ Big Data Analytics undefined data data from well- data from multiple ǡ Intelligent, ǡ Limited insights structured sources sources, in multiple prescriptive into business ǡ Descriptive formats, speeds, analytics processes analytics and sizes ǡ Predictive analytics IT ǡ Legacy ǡ Client-server ǡ Microservices ǡ Serverless Infrastructure infrastructure model architecture architecture ǡ Service-oriented ǡ Public, private, ǡ Hyper-converged architecture (SOA) and hybrid cloud infrastructure infrastructure ǡ Software-defined ǡ Infrastructure-as- networking (SDN) a-service (IaaS)