For large and diverse insurers, the IT organizational model is an open or frequently debated question. Should IT be a centralized corporate function, or should it be completely delegated to the operating business units? Or should there be some kind of hybrid approach?
Few companies are completely federated or centralized, however. Even in federated companies, corporate systems like e-mail, desktop productivity and data centers tend to be centralized. And in centralized companies, business units often maintain at least some control over applications used solely by that unit.
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