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It is clear that businesses should either disrupt or be disrupted, and there is no single solution that fits all for the successful digital transformation; the best results are achieved through a gradual strategic and holistic progression across the business. In order to disrupt or avoid being disrupted, it is essential to understand three maturity model and stages of digital transformation (Figure 1.2):

 Stage 1: Digital Assets/Optimize existing IT. Move the existing infrastructure to the cloud and experiment with new non-core applications in the cloud to save IT operating costs.

 Stage 2: Digital Experience—Optimize the current business model. Move your core business data and processes into a cloud-based business application to achieve operational excellence.FIGURE 1.2 Three Stages of Digital JourneySource: Kevin Saunders, Three phases of Digital Journey, www.strategymeetsaction.com/digital-insurer/

 Stage 3: Digital Transformation—Create new business models. Use the knowledge of your cloud-based infrastructure, processes, and data to create new offers and sales models.