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The transformative potential of mobile is nothing new to insurers; according to Accenture's CIO Mobility survey from earlier this year, 84 percent of those surveyed said mobility would significantly improve customer interactions, and 83 percent said the technology would significantly affect their business. Nevertheless, while many insurers are already active in mobile on the consumer side, there's still much room for improvement when it comes to enterprise tools. Also, much back-office and field work is still done with paper and pencil before ever being logged into a computer system. And, according to Mobile Mutual, particularly when it comes to listening to the voice of the agent—providing agency-side tools to close the loop with customers and make employees more effective—insurers have the ability to enable competitive advantages by employing mobile. Therefore, Mobile Mutual has compiled a thorough checklist of essential functions and offerings for insurers trying to keep up with consumer demands.