Drawing on two capability maturity models developed by Capgemini: the Insurance All Channel Experience Capability Maturity Model, which focuses primarily on an insurer’s customer-facing capabilities; and the Capgemini / MIT Capability Maturity Model, from which the key enabling capabilities have been extracted, Capgemini summarizes the capabilities required in a digital insurer. It is unlikely that any insurer will be, or would want to be, a leader in every capability. It will select the capabilities in which to dominate in accordance with its business strategy and objectives.