About Forrester
Forrester Research, Inc. is an independent research company that provides pragmatic and forward-thinking advice to global leaders in business and technology.

Vikram leads the forecast team, which is responsible for producing all forecasts within M&S research. He is focused on the consumer commerce areas including retail, travel, and financial services. He is keenly involved in understanding the evolution of consumers' online behavior and technology adoption.
Vikram came to Forrester Research through its acquisition of Jupiter Research, where he started in July 2000. Prior to Jupiter, Vikram worked at IRI, a leading market research company, where he worked closely with some of the leading CPG companies.
Vikram often appears on TV, radio, and comments in the press on the US online retail and travel industry. He has been quoted in The L.A. Times, Business Week, The New York Times, CNN Money, and American Banker. He has also appeared on CNBC, Bloomberg TV, and Radio, NPR, Fox Business News, and ABC.
Vikram earned an M.B.A. from Virginia Tech and a B.Com from N.M College in Mumbai, India.
This year, North American insurers overall are pretty darn happy. For starters, there clear signs that the economy is finally starting to gain steam, premiums are on the rise, the market’s...
An Integrated Channel Claims Strategy Improves Experience And Reins In Costs
Claims are a big deal to both insurers and customers. It's an emotional time for claims customers, and costs and processes can go off the rails, affecting a variety of key insurance business metrics...

Online affluent consumers who buy insurance in the US are older and more technology-savvy when compared with online Americans who buy insurance. These millionaire insurance customers are self-made,...
ING's Interactive Life Insurance Tool Separates The Education From The Sale
In 2005, ING US Insurance embarked on a strategy to expand its sales of individual term life insurance to the US middle market. Many Americans don't have either any or enough life insurance coverage...
Disruption Drives 12 Trends In Digital Insurance Agendas
There's one word that sums up what's going on in the business of insurance right now: disruption. There are four drivers behind the state that the industry is in, all of which have implications...
The insurance industry is in the midst of some big changes. Those changes introduce very new pressures, priorities, and uncertainties into an industry whose business depends on stability. In these...
Vision: The Mobile Insurance Strategy Playbook
Hold on tight — the business of insurance is changing, in large part due to customer demand for better experiences. What's fueling this changing demand? Mobile devices are everywhere, mobile...

Edutainment Succeeds In Engaging Twentysomethings Through Digital Tools
The Retirement Services Division at Massachusetts Mutual Financial Group (MassMutual) provides retirement savings programs through employers across the US. An important segment that will consume...

I recently sorted through just shy of 2,000 inquiries that Forrester analysts completed from insurance industry clients, from a grim Q1 2009 through the cautious optimism at the end of Q1...
Canadians still use the phone as their primary channel for insurance. In fact, the phone was the only channel used by a majority of online Canadian insurance customers in the past year, while fewer...
Insurers Must Catch Up To The Sophistication Of Today's Fraudsters
Fraud costs the US insurance industry upward of $40 billion, which the industry then passes on to policyholders in the form of higher premiums. Financial crime is on the rise as fraudsters become...
Emerging Technologies Spur New Insurer Thinking And New Vendor Applications
North American insurers are reorienting from business as usual, where actuaries and underwriter drive product creation and sales, to a "business-as-unusual" model in which insurers sell a customer...
Focusing on solving the core industry-specific business problems is the next big wave in the tech industry. Nowhere is it more evident of technology's unique role in solving business problems than in...
We'd like some information around claims processing. Do you have insights around how companies leverage optical character recognition (OCR) for processing claims, including technologies/platforms and...
Strategic Plan: The Mobile Insurance Strategy Playbook
Mobile strategies fail when firms approach them as purely technology solutions without clear business objectives and stakeholder support. Having a documented strategic plan that all stakeholders...

Effective vertical strategies are becoming more critical for tech vendors as they try to address the core business problems — not just the pure technical problems — of their customers....
Landscape: The Mobile Insurance Strategy Playbook
Insurance companies are rolling out a widening range of mobile insurance functionality for both consumers and agents. While there's substantial consumer interest in mobile insurance, actual use is...
