{"id":683461,"date":"2023-06-16T04:08:01","date_gmt":"2023-06-16T09:08:01","guid":{"rendered":"https:\/\/www.capgemini.com\/?p=902630"},"modified":"2025-03-06T06:24:33","modified_gmt":"2025-03-06T11:24:33","slug":"at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/","title":{"rendered":"At Retiretech 2.0: Focusing on the future and the need to evolve"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1>At Retiretech 2.0: Focusing on the future and the need to evolve<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Krishnakumar-Shanmugasundaram.png?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Krishnakumar Shanmugasundaram<\/h5><h5 class=\"blog-date\">30 May 2023<\/h5><\/div><\/div><div class=\"brand-image\"> <\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><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\/insights\/expert-perspectives\/should-i-stay-or-should-i-go-my-2-cents-on-current-and-future-leaders-in-digital-process-automation\/\" 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\/insights\/expert-perspectives\/should-i-stay-or-should-i-go-my-2-cents-on-current-and-future-leaders-in-digital-process-automation\/&amp;text=Should%20I%20stay%20or%20should%20I%20go%3F%20-%20my%202%20cents%20on%20current%20and%20future%20leaders%20in%20digital%20process%20automation%C2%A0\" 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\/insights\/expert-perspectives\/should-i-stay-or-should-i-go-my-2-cents-on-current-and-future-leaders-in-digital-process-automation\/&amp;text=Should%20I%20stay%20or%20should%20I%20go%3F%20-%20my%202%20cents%20on%20current%20and%20future%20leaders%20in%20digital%20process%20automation%C2%A0\" 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<p>The financial services industry is changing all around us. The trend started in the property and casualty insurance (P&amp;C) industry and rolled into banking. And, let\u2019s be honest, it was a necessity. Now we are seeing major changes occurring in the life insurance as well as benefits spaces. What\u2019s bringing up the rear? Annuities and retirement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-impact-of-disruptive-tech-and-more\">The impact of disruptive tech and more<\/h2>\n\n\n\n<p>Regardless of which financial services sector you are in, you are being impacted by the current socioeconomic and geopolitical environment we live in today along with the changing tech pressures that come from the likes of Amazon and Netflix. Yes, those two companies may be operating in different industries, but they have had significant impact on consumer behavior. It isn\u2019t enough that we have to keep up with changing interest rates and come up with different combinations of products to support our customers well into the future (when we don\u2019t know what the future holds), but we also have to keep up with personalized approaches and on-demand technology that most consumers now expect as standard user experience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Retiretech 2.0: A deep-dive into the state of the industry<\/h2>\n\n\n\n<p>Nassau Financial Group sees the need to support this industry and bring others together to discuss these challenges and the impact it is having on the retirement industry in their annual Retiretech forum. This meeting of the minds is key to the success of our industry and supporting our customers, but more importantly, it is a safe place to talk freely and ask the hard questions to those that are in the same predicament as you are! Retirerech 2.0 in 2023, held last month at the Capgemini Innovation suite in New York City, was attended not only by annuity providers and wealth management advisors, but by regulators, rating firms, start-ups, and distribution arms to discuss these hard topics.<\/p>\n\n\n\n<p>Here are few of the highlights from experts who participated in the various panel discussions and expert talks during Retiretech 2.0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Although the industry has consolidated, the top positions in the market have changed quickly due to new product designs and fresh capital. As a result, competition for shelf space has never been fiercer. The value proposition for marketing firms buying smaller ones has also changed to emphasize technology.<\/li>\n\n\n\n<li>The discussion also addressed the evolving preferences of clients, with most people wanting to talk with an agent or advisor when making a large investment. However, a growing number of people are now comfortable with conducting these transactions online. Additionally, there is a growing need for education that agents can use to help their clients.<\/li>\n\n\n\n<li>With fewer workers to support an increasing number of seniors, there are mammoth funding challenges that countries and communities need to address. Different countries, such as Japan, China, Canada, and Western Europe, are trying to tackle this problem by adopting various policies, launching new products and services, and investing in technology.<\/li>\n\n\n\n<li>Too often, we focus on the technology and not enough on the person who needs our help. Retirement is about finance, but also about health, education, and a life of purpose. It will be less about older individuals and more about younger ones planning and saving for their future retirement. The industry can\u2019t just focus on the baby boomer generation, it has to prep for more generations than it has ever focused on at once.<\/li>\n\n\n\n<li>Furthermore, life and annuity providers hold great promise in developing more personalized products in the future. Connecticut, in particular, hopes that innovation will help to close the insurance coverage gap, especially for underserved communities across the country. The state is committed to supporting the insurance market, in part because it is home to 110 domestic insurance carriers and licenses an additional 1,400 carriers to conduct business.<\/li>\n\n\n\n<li>To drive positive change in the industry, insurance regulators are rapidly building teams with the capability of supporting innovation activities. These departments recognize the potential benefits of innovation and the importance of creating an ecosystem that enables innovative insurance products to flourish.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How do we evolve in changing times?<\/h2>\n\n\n\n<p>In the end, we find ourselves in a cycle of change; of give and take. The lingering question to the audience was centered around the technology \u2013 the elephant in the room. Do you have what you need to evolve in these changing times? To meet the needs of new products that provide services and benefits that have never been applied? To meet the digital and personalized demands of not only your contract owners, but of your distribution partners? To connect with third-party partners, such as rating firms and data partners? The short answer from most, was no and we have a long way to go to get there.<\/p>\n\n\n\n<p>It isn\u2019t enough to add in new technology, we must solve for the technical debt in which we find ourselves. We must build technical wealth in order to meet these new needs. And we have to do it by creating scalability and sustainability while managing change at the same time. We have to reduce costs, create automation, and maintain business as usual.<\/p>\n\n\n\n<p>Fortunately, there is a happy ending to this story and it isn\u2019t that we are not alone in this world of change. There are more technology options today than there has ever been to support new product development, data integration, digital distribution, and policy administration. You don\u2019t have to build it all. There may be some segments you want to build, but the great thing here is that low-code\/no-code tools are a great accelerator. The best news: it isn\u2019t something you have to do alone. There are consulting and systems integration partners like Capgemini who can help you make the right decisions on buy versus build, help you integrate or build, but more importantly help you design and achieve the RetireTech future you want.<\/p>\n\n\n\n<p>Learn more about Retiretech by visiting, <a href=\"https:\/\/imagine.nfg.com\/retiretech-forum-2-0\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/imagine.nfg.com\/retiretech-forum-2-0\/<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h3 data-maxlength=\"34\">Author<\/h3><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Krishnakumar-Shanmugasundaram-1.png\" alt=\"Krishnakumar Shanmugasundaram\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-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=\"#WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\" data-bs-expert-title=\"1\">\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\/krishnakumar-shanmugasundaram-697b3539\/\"><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\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Krishnakumar Shanmugasundaram<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global lead \u2013 Technology Innovation &amp; ventures (Insurance)<\/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=\"#WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\" data-bs-expert-title=\"Krishnakumar Shanmugasundaram\">\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\/krishnakumar-shanmugasundaram-697b3539\/\"><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=\"WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\">\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\t\t\t\t\t\t\t\t\t<div class=\"logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Contact with us\" class=\"light\" \/>\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Contact with us\" class=\"dark\" \/>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"form-title\">Contact with us<\/h4>\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_482208_2059125389\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"482208\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"667204ada3\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t\t\t\t\t<p>Thank You! We have received your form submission.\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. Please try again.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG482208 = {\"482208\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2022\/08\/Samantha-Chow-Headshot-2024_2.jpg\" alt=\"Samantha Chow\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-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=\"#WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\" data-bs-expert-title=\"1\">\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\/samantha-chow-3907638\/\"><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\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Samantha Chow<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global Life and Annuity Industry Leader<\/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=\"#WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\" data-bs-expert-title=\"Samantha Chow\">\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\/samantha-chow-3907638\/\"><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\t\t<div class=\"people-info\">Samantha is a global expert in life, annuity, and benefits. With nearly three decades of experience, she leads transformation across the industry through AI innovation, technology modernization, and customer-centric strategies. A recognized thought-leader, she helps insurers redefine distribution, strengthen engagement, and build future-ready organizations.<\/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=\"WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\">\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\t\t\t\t\t\t\t\t\t<div class=\"logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Contact with us\" class=\"light\" \/>\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Contact with us\" class=\"dark\" \/>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"form-title\">Contact with us<\/h4>\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_482208_4197011795\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"482208\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"667204ada3\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t\t\t\t\t<p>Thank You! We have received your form submission.\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. Please try again.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG482208 = {\"482208\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2022\/05\/ShivaBala_version-1-1.jpg\" alt=\"Shivakumar Balasubramaniyan\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-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=\"#WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\" data-bs-expert-title=\"1\">\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\/shivabala\/\"><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\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Shivakumar Balasubramaniyan<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Expert in Transformative Tech &amp; Emerging Business Models<\/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=\"#WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\" data-bs-expert-title=\"Shivakumar Balasubramaniyan\">\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\/shivabala\/\"><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=\"WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\">\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\t\t\t\t\t\t\t\t\t<div class=\"logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Contact with us\" class=\"light\" \/>\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Contact with us\" class=\"dark\" \/>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"form-title\">Contact with us<\/h4>\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_482208_2038989815\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"482208\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"667204ada3\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t\t\t\t\t<p>Thank You! We have received your form submission.\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. Please try again.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG482208 = {\"482208\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider next\"><\/button><\/div><\/div><\/section>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Regardless of which financial services sector you are in, you are being impacted by the current socioeconomic and geopolitical environment we live in today.<\/p>\n","protected":false},"author":419,"featured_media":687709,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"6bc2c052-5aee-4834-b07c-307f00d7e95f\",\"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":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"_yoast_wpseo_primary_brand":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":""},"categories":[1],"tags":[],"brand":[],"service":[45],"industry":[70],"partners":[],"blog-topic":[396],"content-group":[],"class_list":["post-683461","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","service-customer-experience","industry-insurance","blog-topic-technology"],"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>At Retiretech 2.0: Focusing on the future and the need to evolve - Capgemini USA<\/title>\n<meta name=\"description\" content=\"At RetireTech 2.0, delve into the future of retiretech with Capgemini. Explore annuities, data integration, and digital distribution trends.\" \/>\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\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"At Retiretech 2.0: Focusing on the future and the need to evolve\" \/>\n<meta property=\"og:description\" content=\"At RetireTech 2.0, delve into the future of retiretech with Capgemini. Explore annuities, data integration, and digital distribution trends.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini USA\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-16T09:08:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-06T11:24:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Krishnakumar Shanmugasundaram\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"pawanballa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/\",\"url\":\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/\",\"name\":\"At Retiretech 2.0: Focusing on the future and the need to evolve - Capgemini USA\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/us-en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg\",\"datePublished\":\"2023-06-16T09:08:01+00:00\",\"dateModified\":\"2025-03-06T11:24:33+00:00\",\"author\":{\"@id\":\"https:\/\/www.capgemini.com\/us-en\/#\/schema\/person\/b50547d66f434128d54e3071b057a393\"},\"description\":\"At RetireTech 2.0, delve into the future of retiretech with Capgemini. Explore annuities, data integration, and digital distribution trends.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#primaryimage\",\"url\":\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg\",\"contentUrl\":\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg\",\"width\":1200,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/us-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"At Retiretech 2.0: Focusing on the future and the need to evolve\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/us-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/us-en\/\",\"name\":\"Capgemini USA\",\"description\":\"Just another www.capgemini.com site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/us-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.capgemini.com\/us-en\/#\/schema\/person\/b50547d66f434128d54e3071b057a393\",\"name\":\"pawanballa\",\"url\":\"https:\/\/www.capgemini.com\/us-en\/author\/pawanballa\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"At Retiretech 2.0: Focusing on the future and the need to evolve - Capgemini USA","description":"At RetireTech 2.0, delve into the future of retiretech with Capgemini. Explore annuities, data integration, and digital distribution trends.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/","og_locale":"en_US","og_type":"article","og_title":"At Retiretech 2.0: Focusing on the future and the need to evolve","og_description":"At RetireTech 2.0, delve into the future of retiretech with Capgemini. Explore annuities, data integration, and digital distribution trends.","og_url":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/","og_site_name":"Capgemini USA","article_published_time":"2023-06-16T09:08:01+00:00","article_modified_time":"2025-03-06T11:24:33+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg","type":"image\/jpeg"}],"author":"Krishnakumar Shanmugasundaram","twitter_card":"summary_large_image","twitter_misc":{"Written by":"pawanballa","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/","url":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/","name":"At Retiretech 2.0: Focusing on the future and the need to evolve - Capgemini USA","isPartOf":{"@id":"https:\/\/www.capgemini.com\/us-en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#primaryimage"},"image":{"@id":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#primaryimage"},"thumbnailUrl":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg","datePublished":"2023-06-16T09:08:01+00:00","dateModified":"2025-03-06T11:24:33+00:00","author":{"@id":"https:\/\/www.capgemini.com\/us-en\/#\/schema\/person\/b50547d66f434128d54e3071b057a393"},"description":"At RetireTech 2.0, delve into the future of retiretech with Capgemini. Explore annuities, data integration, and digital distribution trends.","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#primaryimage","url":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg","contentUrl":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/us-en\/"},{"@type":"ListItem","position":2,"name":"At Retiretech 2.0: Focusing on the future and the need to evolve"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/us-en\/#website","url":"https:\/\/www.capgemini.com\/us-en\/","name":"Capgemini USA","description":"Just another www.capgemini.com site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/us-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.capgemini.com\/us-en\/#\/schema\/person\/b50547d66f434128d54e3071b057a393","name":"pawanballa","url":"https:\/\/www.capgemini.com\/us-en\/author\/pawanballa\/"}]}},"blog_topic_info":[{"id":396,"name":"Technology"}],"taxonomy_info":{"category":[{"id":1,"name":"Uncategorized","slug":"uncategorized"}],"service":[{"id":45,"name":"Customer experience","slug":"customer-experience"}],"industry":[{"id":70,"name":"Insurance","slug":"insurance"}],"blog-topic":[{"id":396,"name":"Technology","slug":"technology"}]},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"At Retiretech 2.0: Focusing on the future and the need to evolve","url":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/"},"thumbnailUrl":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg"},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini USA","logo":""},"keywords":[],"dateCreated":"2023-06-16T09:08:01Z","datePublished":"2023-06-16T09:08:01Z","dateModified":"2025-03-06T11:24:33Z"},"rendered":"<meta name=\"parsely-title\" content=\"At Retiretech 2.0: Focusing on the future and the need to evolve\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/at-retiretech-2-0-focusing-on-the-future-and-the-need-to-evolve\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-image-url\" content=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg?w=150&amp;h=150&amp;crop=1\" \/>\n<meta name=\"parsely-pub-date\" content=\"2023-06-16T09:08:01Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg","archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg","featured_image_alt":"","jetpack-related-posts":[{"id":709316,"url":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/navigating-the-new-norms-of-retirement-with-the-secure-2-0-act\/","url_meta":{"origin":683461,"position":0},"title":"Navigating the new norms of retirement with the SECURE 2.0 act","author":"","date":"November 23, 2023","format":false,"excerpt":"Different countries have different vehicles for accumulation and decumulation of retirement investments.","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/11\/GettyImages-494323783.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/11\/GettyImages-494323783.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/11\/GettyImages-494323783.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/11\/GettyImages-494323783.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":720095,"url":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/enhancing-the-customer-journey-with-ami-20\/","url_meta":{"origin":683461,"position":1},"title":"Enhancing the customer journey with AMI 2.0","author":"chaitanyakadrekar","date":"June 24, 2024","format":false,"excerpt":"Enhancing the customer journey with AMI 2.0CapgeminiNov 28, 2023 FacebookTwitterLinkedin Utilities can be creative in leveraging smart meters to get closer to customers AMI 2.0 is an exciting opportunity because it makes possible the type of customer benefits that can transition utilities from retail business models to more customer-centric service\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":705212,"url":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/meta-connect-2023-keynote-unveiling-the-future-of-mixed-reality-and-ai-is-the-metaverse-still-in-focus\/","url_meta":{"origin":683461,"position":2},"title":"Unveiling the future of mixed reality and AI: Is the metaverse still in focus?","author":"bedantadas","date":"September 29, 2023","format":false,"excerpt":"Meta connect 2023 keynote: Unveiling the future of mixed reality and AI, is the metaverse still in focus?Alexandre EmbrySep 29, 2023 FacebookLinkedinMost of us followed the recent keynote from Mark Zuckerberg at\u00a0Meta\u00a0Connect 2023. Interesting to see the focus on\u00a0#mixedreality\u00a0and the convergence of\u00a0#immersive\u00a0and\u00a0#AI.\u00a0 Quest 3, the latest headset able to blend\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/09\/2-Banner-01.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/09\/2-Banner-01.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/09\/2-Banner-01.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/09\/2-Banner-01.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":748945,"url":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/mes-of-the-future-insights-from-mes-berlin\/","url_meta":{"origin":683461,"position":3},"title":"MES of the future: Insights from MES Berlin","author":"elishavalekar","date":"July 8, 2025","format":false,"excerpt":"MES of the future: Insights from MES Berlin","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/07\/Blog3-Pharma-MES-2880-x1880-px-dotcom-Banner.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/07\/Blog3-Pharma-MES-2880-x1880-px-dotcom-Banner.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/07\/Blog3-Pharma-MES-2880-x1880-px-dotcom-Banner.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/07\/Blog3-Pharma-MES-2880-x1880-px-dotcom-Banner.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":708509,"url":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/its-time-to-bring-operations-into-the-smart-meter-equation\/","url_meta":{"origin":683461,"position":4},"title":"It\u2019s time to bring operations into the smart-meter equation","author":"chaitanyakadrekar","date":"November 14, 2023","format":false,"excerpt":"It\u2019s time to bring operations into the smart-meter equationCapgeminiNov 14, 2023 FacebookTwitterLinkedin Enhance operations with the next generation of AMI Utility operations are tasked with grid service, reliability, and restoration. Advanced metering infrastructure (AMI) devices offer a wealth of data that can be used proactively to help operations. The key\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/11\/5808-featured-Image.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/11\/5808-featured-Image.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/11\/5808-featured-Image.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/11\/5808-featured-Image.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":705997,"url":"https:\/\/www.capgemini.com\/us-en\/insights\/expert-perspectives\/seizing-the-end-of-life-smart-meter-opportunity\/","url_meta":{"origin":683461,"position":5},"title":"Seizing the end-of-life smart meter opportunity","author":"chaitanyakadrekar","date":"October 13, 2023","format":false,"excerpt":"Seizing the end-of-life smart meter opportunityCapgeminiOct 03, 2023 FacebookTwitterLinkedin It is time to move beyond the benefits of first-generation AMI The original business case for smart meters in Ontario was not driven by potential use cases. The utilities simply needed to get remote reads and support time-of-day (TOD) pricing to\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/10\/5808-featured-Image.webp?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini USA","distributor_original_site_url":"https:\/\/www.capgemini.com\/us-en","push-errors":false,"featured_image_url":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Image-Resize.jpg","author_title":"Krishnakumar Shanmugasundaram","author_thumbnail_url":"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2023\/05\/Krishnakumar-Shanmugasundaram-1.png?w=772","author_thumbnail_alt":"","_links":{"self":[{"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/posts\/683461","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/users\/419"}],"replies":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/comments?post=683461"}],"version-history":[{"count":7,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/posts\/683461\/revisions"}],"predecessor-version":[{"id":742603,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/posts\/683461\/revisions\/742603"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/media\/687709"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/media?parent=683461"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/categories?post=683461"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/tags?post=683461"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/brand?post=683461"},{"taxonomy":"service","embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/service?post=683461"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/industry?post=683461"},{"taxonomy":"partners","embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/partners?post=683461"},{"taxonomy":"blog-topic","embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/blog-topic?post=683461"},{"taxonomy":"content-group","embeddable":true,"href":"https:\/\/www.capgemini.com\/us-en\/wp-json\/wp\/v2\/content-group?post=683461"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}