X by 2, an insurance industry consulting firm, issued a series of predictions for the insurance technology initiatives in the year ahead. They're all good predictions, but one really jumped out at me:  that this is the year of execution, that everyone rolls up their sleeves at gets started with all the grand things that have been talked about over the past couple of years — especially cloud and big data analytics.

When it comes to tech, there is a tendency for the hype-y stuff to be at least three years ahead of what's actually happening on the ground. In the late 1990s, you could be forgiven for thinking all companies had morphed to the dot-com model, and had switched their residences to the Internet. The reality was that most companies at the time were still either piloting their Internet presence, or had relatively simple things going on, such as a basic intranet and a relatively flat website run outside of the corporate mainstream. 

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