There are enormous opportunities for insurance and financial services to harness data and artificial intelligence to create the systems of the future. But in the present, the work is not coming together so quickly or efficiently. Often, an organization will have several talented people skilled at handling data, but spread through the corporate hierarchy, said Kartik Sakthivel, vice president and chief information officer, LIMRA, LOMA and LL Global. Getting "these disparate groups to be able to pull together a cogent story continues to be a challenge," he said. "That's something to to understand and truly manage within each and every organization that is looking to roll out artificial intelligence programs."