AI is a hot topic in insurance, but real digital transformation goes far beyond just implementing AI tools. Graham Harvey, CEO of Cardinal, emphasises that insurers must start with business needs—such as fraud prevention and process automation—before determining if AI is the right solution. Legacy systems remain the backbone of insurance operations, and integrating AI requires collaboration with system providers. Additionally, challenges like cybersecurity, regulatory compliance, and workforce reskilling must be addressed. Ultimately, successful digital transformation is about rethinking business processes strategically rather than blindly adopting new technology.