This report by Accenture reveals that 90% of carriers anticipate that the pace of technological change will increase rapidly or at an unprecedented rate over the next three years. As the next wave of digital technologies matures - including the Internet of Things, platform-based ecosystems and artificial intelligence - it promises to transform the insurance organisation and what it does. Added together, these digital trends offer insurance companies an opportunity to stretch their businesses beyond the boundaries of traditional insurance. The report emphasises insurers should not focus simply on using more technology, but rather on enabling people - consumers, workers and ecosystem partners - to accomplish more with technology.