Three years ago, I gave a presentation trying to distinguish "modern" P&C core insurance systems from truly modern ones, arguing that a modern codebase, essentially .NET or Java, wasn't enough to bridge the gap from modern to truly modern.

Instead, a "truly modern" system would need to have most of the following eight attributes: -A configurable rules engine -Business process management tools -Visual, configurable workflow -Essentially no code changes -Model-driven architecture -Modern codebase, such as Java or .NET -Platform/database independence -A truly modern user interface (Web 2.0 at a minimum)

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