{"id":650451,"date":"2023-07-06T07:44:12","date_gmt":"2023-07-06T05:44:12","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=920179"},"modified":"2024-07-10T04:34:25","modified_gmt":"2024-07-10T08:34:25","slug":"redefining-claims-processing-in-a-connected-world","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/redefining-claims-processing-in-a-connected-world\/","title":{"rendered":"Redefining claims processing in a connected world"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Redefining-claims-processing-in-a-connected-world-Web-Banner-2880x1800px.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Redefining-claims-processing-in-a-connected-world-Web-Banner-2880x1800px.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Redefining-claims-processing-in-a-connected-world-Web-Banner-2880x1800px.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Redefining-claims-processing-in-a-connected-world-Web-Banner-2880x1800px.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Redefining-claims-processing-in-a-connected-world-Web-Banner-2880x1800px.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Redefining-claims-processing-in-a-connected-world-Web-Banner-2880x1800px.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Redefining-claims-processing-in-a-connected-world-Web-Banner-2880x1800px.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Redefining-claims-processing-in-a-connected-world-Web-Banner-2880x1800px.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/06\/Redefining-claims-processing-in-a-connected-world-Web-Banner-2880x1800px.jpg\" class=\"header-img header-img-d\" alt=\"Redefining-claims processing-in-a-connected world-Web-Banner-(2880x1800px)\" style=\"object-fit:cover;object-position:59% 27%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Customer experience<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Redefining claims processing in a connected world<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\" id=\"quoteWrapper\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=920179\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=920179&amp;text=Redefining%20claims%20processing%20in%20a%20connected%20world\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=920179&amp;text=Redefining%20claims%20processing%20in%20a%20connected%20world\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-traditional-claims-processing-is-failing-both-the-customer-and-the-insurer-here-we-look-at-how-mobility-is-helping-to-forge-a-new-path-forward\">Traditional claims processing is failing both the customer and the insurer. Here we look at how mobility is helping to forge a new path forward.<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">Create digital-first experiences fueled by data and customer service to transform the claims process.<\/h3>\n\n\n\n<p><strong>In brief:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>While half of all consumers may demonstrate brand loyalty, the proportion of loyal consumers decreases dramatically by generation, with only 37% of Gen Z falling into this category compared to <a href=\"https:\/\/www.forbes.com\/sites\/forbesagencycouncil\/2022\/08\/10\/3-things-you-need-to-know-about-gen-z-and-brand-loyalty\/?sh=648af111c4f2\" target=\"_blank\" rel=\"noreferrer noopener\">56% of boomers<\/a>. To make things even more complicated, Claims is the make- or break-point for any customer relationship, because about 70% of all customer churn in insurance is driven by a <a href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/the-future-of-claims\/\">bad claims experience.<\/a><br><\/li>\n\n\n\n<li>The transformation of the claims process is more than just its digitization but requires a customer-centric (re-)design of the process that uses the collection, analysis and integration of data and the integration of technological innovations to not only realize cost and time savings but also drive customer and employee-experience. This allows the carrier to make faster claims decisions and increases transparency toward claims resolution for the customer.<br><\/li>\n\n\n\n<li>The new form of mobility and the easy switch between different modes of transportation requires a rethinking from insuring \u201cmere\u201d assets to assuring those mobility journeys. This requires the integration of new technology (partners) and (connected) data sources into the claims experience to take advantage of the insights generated by connected transportation devices drive a better claims experience and reduce claims handling cost. By embracing change, an insurer can transform the claims process from a dreaded experience into an opportunity to build a stronger customer-carrier relationship.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Building trust and retaining younger customers<\/h4>\n\n\n\n<p>It\u2019s actually quite simple: Customer service and experience is still king when it comes to building customer loyalty. Capgemini research shows that 67% of consumers claim unpleasant experiences as a reason <a href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/the-future-of-claims\/\">for switching carriers<\/a>.<\/p>\n\n\n\n<p>Customer service experiences come into play throughout every insured\u2019s journey. The claims process is the most critical event in the life of a policyholder that ultimately connects the customer and carrier. When the insurer is asked to deliver on its promise to a policyholder\/claimant, any break or delay in this fulfillment is at the expense of the customer\u2019s satisfaction and loyalty.<\/p>\n\n\n\n<p>At the same time, the claims organization in particular is currently facing rising costs due to the perfect collision (pun intended!) of internal and external factors. Over the last three years, we\u2019ve experienced a global pandemic, record breaking inflation and endless supply chain disruptions on top of more expensive car parts containing sensors and other new technology, making new cars more expensive to repair and to replace damaged assets. The average number of catastrophic events and nuclear verdicts have also skyrocketed, sending the frequency and cost to settle claims steadily upward.<\/p>\n\n\n\n<p>When we look closely at both customers\u2019 and insurers\u2019 pain points, we see that the traditional claims process is far from perfect. While customers often wait extended periods of time for settlement, carriers incur costs due to delays in communication and settlement. When customers grow frustrated by a lack of transparency in a manual process, carriers often struggle with inaccurate or missing data that could help them make better and faster claim decisions.<\/p>\n\n\n\n<p>This is especially true for the younger generations that have grown up in a world of \u201ceverything anytime immediately\u201d; an expectation driven by the digital tools Millennials and Gen-Z are using so natively. This expectation transfer leads to harsh critique of a claim settlement for a insured mobility journey that is delayed or fails to provide relevant and useful status information along the way.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The future is led by data-driven technology<\/h4>\n\n\n\n<p>The solution is to transform the claims process by creating digital-first experiences that are fueled by data but enabled by human intervention at the moments that matter.<\/p>\n\n\n\n<p>More than 62% of consumers have continued strong <a href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/the-future-of-claims\/\">digital habits post-pandemic<\/a>,and they expect businesses to meet this preference. Self-service channels with back-end automation can speed up claims processing, provide better data and reduce manual touch points while opening up agents to personalize the journey and support them at the critical moments. But that\u2019s just the beginning. The true transformation takes place when claims decisions are enabled by data and insights, and the key are connected devices in cars and other means of mobility that gather useful data when people move from place to place.<\/p>\n\n\n\n<p>With mobility patterns and habits changing because of increased rates of innovation and invention in that transportation space, the way we view coverage and liability will change as well. Consider autonomous cars or shared micromobility vehicles. When done right, mobility data can, in conjunction with the right analytical models, help improve the claims experience for the customer and employees, drive down lost adjustment expenses and even prevent <a href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/world-property-and-casualty-insurance-report\/\">claims in the first place<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Adopt the right technology for your claims strategy<\/h4>\n\n\n\n<p>It\u2019s easy to get swept away by the promise of new and innovative technology; the trick is letting the capabilities your organization requires drive the technology you adapt, not the other way around. Even if the insurer has an internal operations or cost goal, a claims transformation should always keep the customer experience at the core.<\/p>\n\n\n\n<p>For example, chatbots are a popular solution for digital customer experiences as they fill a resource gap for the business. These artificial intelligence systems, which can conduct conversations with consumers via text or auditory methods, are used for daily business by more than 40 <a href=\"https:\/\/content.naic.org\/cipr-topics\/chatbots#:~:text=In%20the%20U.S.%2C%20more%20than,chatbots%20into%20their%20daily%20business.\" target=\"_blank\" rel=\"noreferrer noopener\">U.S. insurers<\/a>. Most online consumers have encountered a chatbot or 20 over the last decade. However, if a company\u2019s chatbot is programmed to assist with anything but the most frequently requested task, the tool is most probably unsuccessful, leaving the customer baffled and frustrated.<\/p>\n\n\n\n<p>With the end-goal and customer journey in mind, the right technology and data ecosystem can be designed for a successful claims transformation, if the following is incorporated:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Predictive chatbots<\/strong> help reduce barriers to entry for customers using digital intake channels<\/li>\n\n\n\n<li><strong>Vehicle data <\/strong>from before, during and after an accident help to power new analytical model and speed up claims handling. This includes environmental conditions, traffic information, and information from the site of the accident<\/li>\n\n\n\n<li><strong>AI\/ML models <\/strong>help with accident and damage verification, information verification, completeness checks, fraud detection and intelligent claims assignment<\/li>\n\n\n\n<li><strong>Generative AI or Knowledge AI<\/strong> support the customer and claims adjuster withtasks likecoverage verification and medical report reviews<\/li>\n\n\n\n<li><strong>Digital twins<\/strong> for claims and insurers, coupled with augmented reality and virtual reality capabilities, allow for faster claims adjudication and collaboration between various parties involved in an accident<\/li>\n\n\n\n<li><strong>An API ecosystem <\/strong>allows to connect multiple ecosystem partners with the claims management system<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">3 questions to guide your future claims strategy \u2014&nbsp;with mobility in mind<\/h4>\n\n\n\n<p>Mobility is one of the hottest sectors in insurance driving an eightfold premium <a href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/world-property-and-casualty-insurance-report\/\">growth in the next 5 years<\/a>. It is expected that within the next decade the mobility ecosystem will itself go through a transformation driven by the rise of ACES (autonomous, connected, electric and shared) <a href=\"https:\/\/www.frog.co\/insights\/the-road-ahead\/the-future-of-mobility\" target=\"_blank\" rel=\"noreferrer noopener\">vehicles<\/a>. This will also affect claims transformation efforts already underway as the true impact of mobility on this transformation has yet to be realized.<\/p>\n\n\n\n<p>Here are three questions to guide you through building your future-proof strategy:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>What is our place in a future world of mobility that isn\u2019t necessarily relying on vehicle ownership? <\/strong>How will the increased use of micromobility vehicles like scooters and e-bikes or autonomous cars impact your business? Are the products you offer today fit to serve the needs of this future ecosystem? If not, what products will you need to meet evolving customer trends?<\/li>\n\n\n\n<li><strong>What is the claims experience we want people to have? <\/strong>Thinking outside of the limitations of the traditional claims journey, what is the ideal experience you can deliver to your customers pre, during and post a claim? How do you want them to feel during the process? If we consider the state of mobility as part of the insured\u2019s journey, the experience starts with the need for transport and extends across a variety of vehicles and touch points.<br><br>Identifying the journey and the customer\u2019s needs along the way allows you to reverse plan and answer the question what data and capabilities will you need to deliver a seamless and integrated experience?<br><br><img decoding=\"async\" class=\"wp-image-926519\" style=\"width: 900px;\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/07\/PPT-slide.png\" alt=\"\"><br><\/li>\n\n\n\n<li><strong>How do we best distribute our products? <\/strong>Insurtech and embedded insurance is bringing the point of sale directly to the consumer when and where coverage is needed. Consider the e-bike. When a user arrives to rent the bike, can your product be embedded in the renting experience at the point of sale? What innovative ways can you deliver your product to the consumers when they need it most?<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\">In conclusion<\/h4>\n\n\n\n<p>Any true transformation takes time, and the journey will be different for each carrier based on their existing operations and customer needs. Change management is a huge piece of the puzzle, and often a deterrent. But by embracing change, an insurer can transform the claims process from a dreaded experience into an opportunity to build a stronger customer-carrier relationship.<\/p>\n\n\n\n<p>Capgemini has a human-centered approach to creating a Future of Claims strategy, experience and roadmap that focuses on building the relevant capabilities for your business and goals. 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id=\"_mf_613076_8904_2072884096\" name=\"_mf_613076_8904\" placeholder=\"Company\" required \/><label for=\"_mf_613076_8904_2072884096\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_613082_3616_344131040\" name=\"_mf_613082_3616\" placeholder=\"Email (Business Email only)\" required \/><label for=\"_mf_613082_3616_344131040\" class=\"form-label\">Email (Business Email only) <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">email_address<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" pattern=\"^[0-9\\-\\+\\s]+$\"  class=\"form-control\" id=\"_mf_613082_3512_1330753472\" name=\"_mf_613082_3512\" oninput=\"validateInput(this)\" maxlength=\"14\" placeholder=\"Phone\"  \/><label for=\"_mf_613082_3512_1330753472\" class=\"form-label\">Phone (optional)<\/label><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_613076_4465_3668800481\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_613076_4465_3668800481\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_613076_4465\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\" >Country<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afghanistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Aland Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >American Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarctica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua And Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaijan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Belarus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgium<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bolivia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bosnia And Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Bouvet Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >British Indian Ocean Territory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulgaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Cambodia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Cameroon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\"  selected='selected'>Canada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cape Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Cayman Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Central African Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Christmas Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Cocos (Keeling) Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Colombia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comoros<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Cook Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Cote D&#039;Ivoire<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Croatia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cyprus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Czech Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Denmark<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominican Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ecuador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egypt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Equatorial Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Ethiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falkland Islands (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Faroe Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >France<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >French Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >French Polynesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >French Southern Territories<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Georgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Germany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Greece<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Greenland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadeloupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guinea-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guyana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Heard Island &amp; Mcdonald Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Holy See (Vatican City State)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungary<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Iceland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >India<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran, Islamic Republic Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraq<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Ireland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Isle Of Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >Italy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazakhstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kyrgyzstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Lao People&#039;s Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Latvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Lebanon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libyan Arab Jamahiriya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Lithuania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxembourg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagascar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malaysia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldives<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Marshall Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauritania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Mexico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micronesia, Federated States Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Moldova<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monaco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Morocco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Myanmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Netherlands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Netherlands Antilles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >New Caledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >New Zealand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Norfolk Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Northern Mariana Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norway<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Palestinian Territory, Occupied<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua New Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Philippines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Poland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Puerto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Qatar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Romania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Russian Federation<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Saint Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts And Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Saint Lucia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre And Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent And Grenadines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Sao Tome And Principe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Saudi Arabia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seychelles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapore<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Slovakia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Slovenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Solomon Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >South Africa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >South Georgia And Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Spain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard And Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Swaziland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Sweden<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Switzerland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syrian Arab Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajikistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Thailand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad And Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunisia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turkey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turks And Caicos Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >United Arab Emirates<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >United Kingdom<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >United States<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >United States Outlying Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Virgin Islands, British<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Virgin Islands, U.S.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis And Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Western Sahara<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Yemen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Country is not valid.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t});\n\t\t\t\t\t\t$select.on('blur', function() {\n\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t});\n                    });\n                });\n            });\n        <\/script>\n\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_613082_1825_2637892432\">Page URL\t\t\t\t\t<\/label>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"hidden\"\n\t\t\t\t\tid=\"_mf_613082_1825_2637892432\"\n\t\t\t\t\tclass=\"mf_field__input empty\"\n\t\t\t\t\tname=\"_mf_613082_1825\"\n\t\t\t\t\tdata-validate=\"text\"\n\t\t\t\t\tvalue=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/redefining-claims-processing-in-a-connected-world\/\"\n\t\t\t\t\t\t\t\t\t\/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_613082_1845_3122305556\">Expert title\t\t\t\t\t<\/label>\n\t\t\t\t<input type=\"hidden\" id=\"_mf_613082_1845_3122305556\" class=\"mf_field__input empty\" name=\"_mf_613082_1845\" data-validate=\"text\" data-hidden-field-tag=\"expert_title\" value=\"\"  \/>\n\t\t\t<\/div>\n\t\t<div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_613076_2065_828879247\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_613076_2065[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_613076_2065_828879247\" class=\"form-check-label consent-text\">\n\t\t\t\tI agree to 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Portfolio Leader, Capgemini Financial Services<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPB03c509a7_0f56_4842_9e89_029f6743acef\" data-bs-expert-title=\"Kiran Boosam\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/kiran-boosam-719a863\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal\" id=\"WPB03c509a7_0f56_4842_9e89_029f6743acef\">\n\t\t\t\t\t<div class=\"modal-dialog modal-dialog-centered modal-lg modal-dialog-scrollable landing-page-modals\">\n\t\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t\t<div class=\"modal-header\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn-close\" aria-label=\"close\" data-bs-dismiss=\"modal\"><\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_613082_1453902432\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_613076_3576_1486282194\" name=\"_mf_613076_3576\" placeholder=\"First Name\" required \/><label for=\"_mf_613076_3576_1486282194\" class=\"form-label\">First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">First Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_613076_9936_2628850916\" name=\"_mf_613076_9936\" placeholder=\"Last Name\" required \/><label for=\"_mf_613076_9936_2628850916\" class=\"form-label\">Last Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Last Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_613076_8904_2970386926\" name=\"_mf_613076_8904\" placeholder=\"Company\" required \/><label for=\"_mf_613076_8904_2970386926\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_613082_3616_3464170821\" name=\"_mf_613082_3616\" placeholder=\"Email (Business Email only)\" required \/><label for=\"_mf_613082_3616_3464170821\" class=\"form-label\">Email (Business Email only) <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">email_address<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" pattern=\"^[0-9\\-\\+\\s]+$\"  class=\"form-control\" id=\"_mf_613082_3512_627231580\" name=\"_mf_613082_3512\" oninput=\"validateInput(this)\" maxlength=\"14\" placeholder=\"Phone\"  \/><label for=\"_mf_613082_3512_627231580\" class=\"form-label\">Phone (optional)<\/label><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_613076_4465_3300080137\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_613076_4465_3300080137\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_613076_4465\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\" >Country<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afghanistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Aland Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >American Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarctica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua And Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaijan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Belarus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgium<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bolivia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bosnia And Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Bouvet Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >British Indian Ocean Territory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulgaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Cambodia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Cameroon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\"  selected='selected'>Canada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cape Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Cayman Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Central African Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Christmas Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Cocos (Keeling) Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Colombia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comoros<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Cook Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Cote D&#039;Ivoire<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Croatia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cyprus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Czech Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Denmark<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominican Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ecuador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egypt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Equatorial Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Ethiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falkland Islands (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Faroe Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >France<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >French Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >French Polynesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >French Southern Territories<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Georgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Germany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Greece<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Greenland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadeloupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guinea-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guyana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Heard Island &amp; Mcdonald Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Holy See (Vatican City State)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungary<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Iceland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >India<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran, Islamic Republic Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraq<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Ireland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Isle Of Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >Italy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazakhstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kyrgyzstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Lao People&#039;s Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Latvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Lebanon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libyan Arab Jamahiriya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Lithuania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxembourg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagascar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malaysia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldives<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Marshall Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauritania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Mexico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micronesia, Federated States Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Moldova<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monaco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Morocco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Myanmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Netherlands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Netherlands Antilles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >New Caledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >New Zealand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Norfolk Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Northern Mariana Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norway<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Palestinian Territory, Occupied<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua New Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Philippines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Poland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Puerto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Qatar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Romania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Russian Federation<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Saint Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts And Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Saint Lucia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre And Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent And Grenadines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Sao Tome And Principe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Saudi Arabia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seychelles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapore<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Slovakia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Slovenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Solomon Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >South Africa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >South Georgia And Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Spain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard And Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Swaziland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Sweden<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Switzerland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syrian Arab Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajikistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Thailand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad And Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunisia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turkey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turks And Caicos Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >United Arab Emirates<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >United Kingdom<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >United States<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >United States Outlying Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Virgin Islands, British<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Virgin Islands, U.S.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis And Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Western Sahara<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Yemen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Country is not valid.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) 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2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/world-property-and-casualty-insurance-report\/\" aria-label=\"World Property and Casualty Insurance Report 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">World Property and Casualty Insurance Report 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/transforming-insurance-with-connected-devices\/\" aria-label=\"Transforming insurance with connected devices\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Whitepaper<\/div>\n                                <h3 class=\"card-title\">Transforming insurance with connected devices<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                   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srcset=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2023\/04\/Insurance-Report_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2023\/04\/Insurance-Report_2880x1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2023\/04\/Insurance-Report_2880x1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2023\/04\/Insurance-Report_2880x1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2023\/04\/Insurance-Report_2880x1800.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2023\/04\/Insurance-Report_2880x1800.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/uploads\/sites\/17\/2023\/04\/Insurance-Report_2880x1800.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/the-future-of-claims\/\" aria-label=\"The future of claims\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Point of view<\/div>\n                                <h3 class=\"card-title\">The future of claims<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/building-connected-insurance-offerings-starts-with-customer-focused-innovation-at-usaa\/\" aria-label=\"Building connected insurance offerings starts with customer-focused innovation at USAA\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Building connected insurance offerings starts with customer-focused innovation at USAA<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent.svg\" alt=\"capgemini-invent\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/ca-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h3 data-maxlength=\"34\">Learn about Insurance at Capgemini<\/h3><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Insurance\" href=\"\/ca-en\/industries\/insurance\/\" target=\"\" rel=\"noopener noreferrer\"><h4>Insurance<\/h4><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Traditional claims processing is failing both the customer and the insurer. Here we look at how mobility is helping to forge a new path forward.<\/p>\n","protected":false},"author":257,"featured_media":100000920187,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"{\"uuid\":\"22521d0f-39f1-4acc-94dd-ac1ea827a918\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"e3af20a2-bb8f-4caa-ae36-301bbec288ef\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"A new insurance based PoV relevant for all English speaking audiences.","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":46,"primary_term":"Customer experience","featured_focal_points":""},"tags":[],"research-and-insight-type":[85],"theme":[46],"brand":[],"service":[243],"industry":[474,70],"partners":[428],"content-group":[],"class_list":["post-650451","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-point-of-view","theme-customer-experience","service-data-ai","industry-financial-services","industry-insurance","partners-guidewire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Redefining claims processing in a connected world - Capgemini Canada - English<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/ca-en\/insights\/research-library\/redefining-claims-processing-in-a-connected-world\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Redefining claims processing in a connected world\" \/>\n<meta property=\"og:description\" content=\"Traditional claims processing is failing both the customer and the insurer. 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