The technology may seem a panacea to some, but for the insurance industry, there are still some unanswered questions concerning Voice over Internet Protocol (VoIP) and data convergence implementation.Donald Light, senior analyst at Boston-based Celent Communications Inc., a research and advisory firm, confirms the pensive posture of the insurance sector. "Insurance is being a cautious adopter. Visualizing the curve, the insurance industry is just now stepping up into growth," he says.

In other industries, such as automotive and aerospace, companies such as Ford and Boeing are losing the old-fashioned hard-wired PBXs, installing instead Internet Protocol-based voice and data systems.

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