Intranets/ExtranetsImpact: 120

Innovation: 105

Total Score: 225

Internet Security

Impact: 118

Innovation: 106

Total Score: 225

Web Services

Impact: 111

Innovation: 107

Total Score: 218

XML

Impact: 105

Innovation: 111

Total Score: 216

Middleware

Impact: 113

Innovation: 102

Total Score: 215

Internet Delivery

Impact: 108

Innovation: 105

Total Score: 213

Claims Administration Tools

Impact: 108

Innovation: 198

Total Score: 206

Call Centers

Impact: 110

Innovation: 195

Total Score: 205

Fraud Detection

Impact: 102

Innovation: 101

Total Score: 203

Artificial Intelligence

Impact: 93

Innovation: 109

Total Score: 202

Document Imaging/Management

Impact: 112

Innovation: 88

Total Score: 200

Electronic Bill Pay, Presentment

Impact: 97

Innovation: 102

Total Score: 199

CRM, Data Warehousing

Impact: 103

Innovation: 91

Total Score: 194

Wireless Devices

Impact: 85

Innovation: 103

Total Score: 188

Risk Management Tools

Impact: 97

Innovation: 85

Total Score: 182

Catastrophe Modeling

Impact: 91

Innovation: 89

Total Score: 180

Application Service Providers

Impact: 95

Innovation: 68

Total Score: 163

Digital Signatures/Certificates

Impact: 68

Innovation: 90

Total Score: 158

Smart Cards

Impact: 51

Innovation: 81

Total Score: 132

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