Central to that change is digital infrastructure. “The biggest change is building digital bridges – digital tunnels to connect with your partners and insurance carriers,” Alwis said. Increasingly, those tunnels are powered by artificial intelligence. But AI, he stressed, does not replace underwriters. “It enhances selection, speeds up decision-making, scales the underwriting process, and cuts costs and errors,” he said. Efficiency, particularly in a compliance-heavy space, is no longer optional.