What is the background of technology in the insurance industry? So definitely technology is going to be the backbone for the insurance. 
When insurance opened for the private players almost 20-25 years back, technology was still treated as a back office.  
There were no boardroom conversations but today there is no boardroom conversation without the technology. 
CTOs were never part of the boardroom discussions. 
Today, CTOs are the only part of the boardroom discussions. Any strategy that typically gets discussed, at least BFSI and specifically now insurance, there is a very clear alignment from the Chief Technology Officer in the board. So that's where I see technology as involved. 
What will be there in future from a technology perspective with all these digital public infrastructure launched by the Government of India, the open architecture, the demands, the customer preferences that has changed and all thanks to the Amazons of the world where customers now by design expects every service provider to be like an Amazon. So definitely technology has a larger roadmap.

Gone are the days where a typical policy processing used to take days, now it's a matter of minutes and very soon it will be seconds. And with AI and Gen-AI catching up, it would be more of predictive rather than prescriptive insurances. So that's where I see technology going. So see while people think the AI is the new buzzword, the actual AI started in early 70s actually. It never came to the end consumer.
 The consumer started seeing the AI and thanks to the mobile world where Gemini and Alexa and all those started playing. AI definitely currently what we see is not even 1%. Today also, majority of the AI and AI is powered by LLMs, the large language models. What's the challenge with LLMs? LLMs challenge is LLMs were developed for generic use cases. So someone has to specifically customize it for your insurance use case. 
The second challenge that comes typically in the AI models is all these LLM depends on your data, which is backdated. So it does have the lacuna of biasedness that were taken some 20 years back or 10 years back. The way AI I see progressing is if in the AI models that gets developed, there has to be a three party alignment, which is the consumer, the insurer and the regulator. And by running on the old data, if we get the human in loop intelligence where older biasness are carved out, re-corrected the data and the models are trained, that's where AI will actually mature.
As I see over the next 10 years, majority of the operational things that typically insurances are running, be it claim education, pricing of a product, operational flows, all will be taken over by AI. All operational work will be done through artificial intelligence. 
Human intelligence will start getting utilized for things that AI can't do. So with the evolution of AI, the human intelligence will also evolve. So things that humans are still not doing, they will start getting into that space.

So TCS has been our first partner when Magma Insurance started its journey way back in 2012. It was one of the most robust framework that the industry believed and we also went through the journey. In the last 12 plus years with TCS, the journey has been good. 
While there are always areas of improvement, but yes, we can always believe and rely on TCS Toulouse. That's where our relationship stands. And in future, where do we see TCS playing a role? Definitely TCS is a very trusted partner with us and there will not be any technology evaluations where TCS will not be participating and with all due diligence every aspect that we take from a technology decision TCS will be a part of our decisions.