According to Gartner, in three years from now, only 5% of insurers will have the organizational elements in place to be an “intelligent insurer”. While big data and its processing are important, intelligence is not just about using more data. It’s about making data actionable, managing it across the ecosystem, and adjusting the strategy over time in a fast and agile way. Bilal Ramadan provides useful tips on creating an organization that uses data intelligently for digital success through effective enablement and application of intelligence.