Hello, and welcome. Embracing digital transformation in insurance workflows presents a unique opportunity for insurers to leverage their expertise, enhancing decision quality and operational efficiency across various stages of the insurance lifecycle. Digitising workflows such as new business processing and renewals enables insurers to strategically apply underwriters’ expertise to enhance decision quality across specific workflow steps and submission types. For example, insurers receive decision-ready risks in the designated system, allowing them to focus on critical aspects such as coverage and limits. This efficiency is achieved by eliminating manual rekeying and out-of-appetite submissions, enabling insurers to effectively quote and bind more risks. By integrating external and inferred data into organisations’ progress workflows  - such as new business processing, renewals and mid term adjustments -  organisations can better allocate their skills to value-add tasks enhancing outcome quality and overall efficiency.  Moreover, by automating the handling of out-of-appetite submissions, insurers can devote more time to evaluating risks that align closely with their expertise and the company's risk appetite. This creates new capacity for decisioning and enables the volume of submissions to scale without a corresponding increase in the size of the team.  Insurance companies can onboard higher volumes of risk at close to zero marginal cost.   It also provides a transparent view of the process, allowing for better tracking, monitoring, optimising and auditing of the risk flow. It ultimately leads to a more streamlined and effective workflow for processing risk submission.