We may not notice all the changes that have taken place over the last decade unless we dial the clock back to 1999 and remember what life was like then for insurance IT. The Internet was big–for retailers–but insurance company Web sites were marketing devices rather than a tool to conduct business. Insurers collected tons of information about their policyholders, but they didn't know what to do with any of it.

Today, as Tech Decisions celebrates its 10th anniversary, we sought the opinions of IT leaders and industry observers to give us some input on how far the industry has traveled in the last decade and what the next 10 years hold for insurance IT.

Srini Koushik, chief technology officer for Nationwide Insurance, believes the biggest change he has seen in insurance technology over the past decade has been the industry's push to catch up with other industries in the use of technology.

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