Go to market joint webinar presenting digital transformation process and impact using insurance analytics. State Auto insurance customer, Deloitte strategic SI and solution development, and Qlik analytics technology. Presented by Qlik. 2016.

1. Insurance Industry
Webinar
Digital Transformation:
The Amazing Visual
Analytics Journey at
State Auto
November 2016
Registration

2. 22
• Industry Perspectives
• State Auto Program & Solution Overview
• Accelerating Delivery
• Deloitte AAI & Demonstration
• Capabilities & Differentiation
• Additional Resources
• Q&A
Session Agenda

3. 33
Manager, Analytics & Information
Management
Brandon has project management, functional,
and technical experience delivering business
intelligence (BI) analytics, financial reporting,
master data management (MDM), and
enterprise data warehouse solutions for
personal and commercial property & casualty
insurers in the business owners policy (BOP),
auto, home, and umbrella lines of business,
life & annuity insurers, and workers
compensation insurers.
Specialist Leader, Analytics & Information
Management
Sathish has 16 years of consulting experience
and specializes in architecting and delivering
large, complex data and analytics
transformation project for global insurance
carriers. His experience spans across
disciplines in Enterprise Data Management like
Data Architecture, Data Governance, Data
Integration, Master Data Management, Data
Conversion/Migration, Reporting,
Visualizations and Cognitive Analytics.
Director of Data Strategy
Suresh oversees State Auto’s Quality
Assurance practice and the expansion of
Enterprise Data Warehouse and Data
Analytics across the different product groups in
the company. In his 18 years of experience
previously at Nationwide, Suresh played key
roles in Application Ownership, Project
Management and other aspects of
development. He managed teams through
large transformational initiatives and was a key
driver in the success of those efforts.
Today’s Speakers
Suresh Dandu Brandon Germer Sathish Marimuthu

4. 44
Challenges of Insurance Marketplace
• Explosive growth of data and of the analytics technologies
and capabilities that can be used to transform that data
into insights
• Revolution of transforming decades old legacy systems to
modern core administrative platforms
• Building and implementing a data management solution
on insurance core systems is both challenging and time
consuming
• Delivery of data-driven transformation projects is very
complex, risky and quite often do not meet the
stakeholder objectives
Significant shift from
product-centric to
customer-centric
organizations

5. 55
Industry Perspective
• Leveraging analytics to be more competitive, nimble and responsive
− Intense competition with regional and national players for business
− Organizations must make themselves more attractive to do business with (customers/agents) with differentiating capabilities
• Digital transformation leaves many insurance companies with unanswered questions
− How do I integrate core customer, product, policy and claims data from multiple legacy and modern core systems into a centralized
data repository?
− What is the best approach for my company in governing and delivering the enterprise wide Key Performance Indicators (KPIs)?
− How can I accelerate the implementation speed and roll out reporting and analytical solutions in an incremental manner to reduce
risk?
• Opportunity to integrate systems into a common enterprise data management solution
− Shift to external data - today 5% external data and 95% internal systems
− Future state to predict what customer could do before they do it (Lapsing, Canceling, Cross-Selling)

6. State Auto Program &
Solution Overview

7. 77
Overview of "Crunch" | Transformation of State Auto
“This isn’t an IT project. It’s truly a transformation of our business.” - President and CEO Mike LaRocco
STFC (NASDAQ)
Founded 1921
Lines of Business
• Business
• Home
• Auto
• Farm
• Boat
Approved States
• Personal Lines: 28
• Commercial Lines: 33
Agencies
• 3,400 agencies
• 23,000 independent
insurance agents
QUICKFACTS
• Launch 5 initial states on an
accelerated timeline for
Personal Lines
• Launch all 33 states for
Standard Lines in 2½ years
• Design solution for the
future state IT environment
• Deliver at a cost that
returns business value and is
acceptable to the Board
• Deliver a conformed data
repository with modern,
self-service analytics and
financial reporting
IMPLEMENTATIONOBJECTIVES
PRECEDENTSETTING
• No Guidewire
implementation of this
scope has ever been
successfully delivered in this
short of a timeline
• Achieve the vision of
reducing expenses,
becoming more nimble, and
being responsive to agents
• Conducting product
definition, core system
transformation, analytics &
information management
deployment, and
reorganization in parallel

8. 88
Overview of Reporting
State Auto and Deloitte are delivering a scalable enterprise data warehouse to support self-service analytics
and internal and regulatory financial reporting in 12 months, reducing expenses, becoming more nimble, and
being responsive to agents.
Scope Highlights:
Operational financial reporting (through Qlik Sense Hub) in areas of cash management, monthly balancing, and key
financial metrics
Ongoing efforts to deliver self-service analytics leveraging Qlik Sense across sales, marketing, corporate actuarial,
product management, and pricing analytics
Global Team of 52 people
Columbus – 15
Bangalore – 14
Mumbai – 14
Delhi – 4
Milbank, SD – 3
Indianapolis – 1
Minneapolis – 1
©Mapbox ©OpenStreetMap

9. 99
Solution Architecture
The solution will incorporate both net new data sources from the Guidewire core system transformation efforts,
as well as legacy data integrations from mainframe sources, be 100% deployed in the Amazon Web Services
cloud with Redshift as the backbone of the EDW, and use Qlik Sense as the reporting and analytics front end
External Sources (Future)
Additional Sources (Optional)

10. 1010
“Crunch” Project Impact
State Auto’s business users are now equipped to:
• Automation of data consolidation and creation of financial reports
• Ability to perform ad-hoc analysis using a predefined information delivery layer to develop
their own reports
• Ability to publish reporting sheets and distribute to their communities in an environment of
governed collaboration
State Auto is working to deliver an insight driven culture, which can help
achieve a sustainable, competitive advantage in the data driven world

11. Project Crunch conducting product definition,
core system transformation, analytics and
information deployment all in parallel
• Remove Separate and Distinct Data Silos
• Governed Collaboration with common data
definitions
• Power of Data in the Hands of Decision Makers
“Deloitte’s Analytics Accelerator for Insurance with Qlik Sense is delivering value quickly and at
half the cost. A project of this magnitude would normally require well over 2 years. We’re doing
it in less than half the time.”
– Brandon Germer, Manager, Analytics & Information Management | Deloitte
Delivering value
quickly and at
1/2
the cost
Analytics Design &
Implementation
Times Reduced by
12 Months
Testimonial Video

12. Qlik & Accelerating
Delivery

13. 1313
The Role of Qlik and Qlik Sense
Qlik Sense is an enabler of enterprise class self-service and guided analytics, and is helping to
provide faster speed to market through intuitive design, a self-service approach, and streamlined
development principles than have been seen with competitor toolsets.
Qlik Sense as the single reporting platform lowers overall architecture complexity and total cost of
ownership.
With the proper controls to lock down any given report, QVF, or QVD to users, and the ability to
continue to create and publish operational reports, Qlik Sense can satisfy the needs of both the
Finance organization and the rest of the business (actuarial, claims, etc.).

14. 1414
Levers to Accelerate Delivery
Deloitte’s Delivery
Methodology and
Accelerators
Dimensional Modeling in
the EDW at the
Transactional Level
Self-Service, Insight Driven
Organization
Cloud
Infrastructure

15. 1515
Levers to Accelerate Delivery
Dimensional modeling in the EDW at the transactional level
Preserve the ability to scale, add new sources, without recalculating data marts
Allow columnar storage principles to be used, opening up the ability to use mass
parallel processing (MPP) platforms such as Amazon Redshift
Reduce the number of tables required in the EDW compared to 3NF modeling,
and the number of ETLs
Eliminate the need for a post-EDW aggregation layer with Qlik Associative data
indexing
Improve performance via highly compressed QVDs being smaller and optimized
than uncompressed materialized views feeding a traditional reporting layer
Shrink total cost of ownership and single person risk with fewer tables in the
EDW

16. 1616
Levers to Accelerate Delivery
Self-Service, Insight Driven Organization culture
Forego gathering requirements for, designing, developing, and
various waves of testing ~1200+ operational canned reports
Qlik Sense was designed from the ground up to foster governed self-
service analytics
− Massive rationalization through business empowerment
− Reducing Day 1 operational report development to <15 finance and billing reports
Empower business users at State Auto to understand their data and
drive their own insights
Enabling the cultural shift to foster governed collaboration within
different areas of the company

17. 1717
Levers to Accelerate Delivery
Cloud Infrastructure
Eliminate up-front capital expenditures on infrastructure,
and replace it with low variable costs
Drive down IT labor costs, both up-front and on an on-
going basis
Fast, fully manageable, petabyte-scale cloud-based
EDW service with Amazon Redshift
Eliminate guessing on infrastructure capacity needs with
Elastic Web-Scale Computing
Deploy to multiple regions of the world in minutes

18. 1818
Levers to Accelerate Delivery
Deloitte’s Delivery Methodology and Accelerators
Leveraged offshore engagement model
Deloitte Analytics Accelerator for Insurance (AAI) accelerators
− Conceptual Information Models (CIM)
− KPI libraries
− Playbooks
Deloitte’s Enterprise Value Delivery (EVD) for Agile Analytics
− SCRUM: Focus on short-term goals, story points
− Kanban: Focus on improving throughput through continuous
process improvement
Strong vendor alliance between Deloitte and Qlik

19. Deloitte Perspective
Capabilities and Approaches for
Analytics in the Insurance Industry
DELIVER
INFORMATION
AMPLIFY
INTELLIGENCE
OPTIMIZE
INSIGHTS

20. 2020
Deloitte Analytics Accelerator for Insurance
(AAI)
Delivery Highlights:
• Dimensional modeling in the EDW at the transactional level
accelerates delivery and preserves the ability to scale and add new
sources without recalculating data marts
• Shifting from being IT dependent to empowering the business
through self-service as an Insight Driven Organization using
Qlik to help users understand their data and drive their own
insights, fostering governed collaboration across the enterprise
• Employing an Amazon Web Services (AWS) cloud
infrastructure that enables State Auto to drive down IT costs,
removing the need for infrastructure scaling by leveraging elastic
web-scale computing and deployment to multiple regions of the
world
• Deloitte’s delivery methodology and accelerators delivered
enterprise class analytical solutions and packaged financial and
billing reports to support State Auto

21. Deloitte Accelerator
Demonstration
AAI

22. 22
Guided Analytics

23. 23
Self-Service

24. Capabilities &
Differentiation

25. Insurance Industry Use Cases with Qlik
Dashboard
Underwriting
• Integrating Underwriting & Claims
• Loss Ratio Analysis
• Policy Portfolio Analysis
• Optimize Approval Process
• Resource Allocation
Operations, IT, & Back Office
• Expense Management
• Financial & Management Reporting
• P&L Analysis by LOB
• Fund Accounting / GL
• IT Systems & SLA Management
Executive Management
• Executive Dashboards and Mobile
• Balanced Scorecards
• Predictive / What-If Analysis
• Product Performance
• Performance, Margins, Commissions
Risk Management & Compliance
• Solvency II Compliance
• Actuarial Loss Triangles
• Risk & Exposure Analysis
- Credit, Market, Portfolio, Operational
- Cross-Product / Counterparty Risk…
Agency & Insurance Brokers
• Sales & Revenue Analysis
• Customer Targeting
• Broker /Agency Analysis
• Sales Performance Analysis
• Online Channel Performance
Investments
• Portfolio Management & Analysis
• Investment Performance & Profitability
• Investment Research
• Scenario / What-if Analysis
• AUM Analysis / NAV Interpolation
Claims
• Integrating Underwriting & Claims
• Fraud Investigation
• Subrogation
• Processing and Fast Tracking
• Reserve Adequacy
Marketing & Product Management
• Customer Retention
• Cross-sell and Up-sell
• Customer Profitability & Segmentation
• Product Performance Analysis
• Marketing Campaign Analysis

26. 2626
Qlik® platform-enabled visual analytics
Associative Engine Technology, APIs, Toolkit
Embedded
Analytics
Custom Analytics
Applications
Self-Service
Data Visualization
Guided Analytics Reporting and
Collaboration
Decentralized analysis
and exploration for
individuals and groups
Centrally deployed guided
analytics to multiple
knowledge workers
Analytics embedded in
web and enterprise
applications
Custom-built analytics
applications for
internal and external
use
Pixel-perfect report
distribution across the
enterprise

27. The QIX Engine
The power to drive the associative model and deliver Agile BI
Data integration
• Powerful ability to bring together disparate
data sources
• Unifies full set of record-level data without
leaving any data behind
Compressed binary index
• Stores data in highly optimized, in-memory
compressed binary format
• Maximizes performance and drives the
associative model
Dynamic calculation
• Recalculates all analytics across the app, based
on logical inference
• Provides ‘speed-of-thought’ response for high
numbers of concurrent users and massive data
volumes
Logical inference
• Determines associations across all related
tables, based on new context
• Reveals associations to the user in
green/white/gray
Data indexed and highly
optimized, in-memory
‘Speed of thought’ calculation
after every click

28. 2828
• Self-Service visualization and discovery
– Associative model
– Smart visualizations
– Self-service creation
• Sharing of knowledge and insights
– Centralized sharing and collaboration
– Data storytelling and reporting
– Anywhere, anytime mobility
• A platform for the Entire enterprise
– Customization and extension
– Data preparation and integration
– Enterprise scalability and governance
Qlik Capabilities
With the patented QIX Associative Data Indexing engine at its core, Qlik delivers:

29. 2929
Advanced Analytics Integration
Easily Apply Intelligent Clustering

30. Resources

31. 3131
Top 12 Solutions for Financial Services
http://www.qlik.com/financial-services

32. 3232
Learn More with Qlik
Qlik Financial Services:
www.qlik.com/financial-services (demos, success stories, etc.)
Qlik FS Blog:
global.qlik.com/us/blog/topics/business-functions/financial-services
Qlik FS Community:
community.qlik.com/groups/financial-services-user-group (online
community for sharing and posting questions)
Qlik Demo Site:
sense-demo.qlik.com (go to the ‘all demos’ tab to see a list of many
public industry solution apps)

33. Q&A