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[Audio] Technology architecture for the future is strongly influenced by foundational design principles and IT frameworks. A market review highlights insurers' investments in and progress of their technology projects. Our composite business services leverage API-driven approach to expose services and create an encompassing, interactive digital experience, easily accessible from various devices. We make sure customers receive personalized experiences through tailored customer journeys. On the technical side, cloud-based infrastructure enables self-service options, and business process management and rules link up indifferently to policy administration systems, bringing the optimality of a digital platform layer..