Indian insurance companies have a plethora of opportunities before them given their low penetration as compared to their global peers. However, issues such as sparse data, inadequate backend integration making it difficult to retrieve data etc. remain a concern. Despite these roadblocks, insurance companies, in this age of disruption, may look at bringing in more versatile product and newer service propositions into the products. In 2021, there would be more thrust on AI and BI alike. Catch Manoj Agarwal, Group Editor Banking Frontiers in conversation with Manav Sachdeva, Senior Principal Analyst at Gartner.