There's been plenty of debate as to whether the cloud is a safe and reliable place for insurers to house mission-critical applications and systems. This is a valid concern, but perhaps the most immediate advantage cloud offers is serving as a test bed for applications and processes, without disrupting daily operations.

Gary Kirkham, principal at Pegasystems, sees this potential, and says cloud offers incredible advantages for companies wrestling with business process management (BPM) issues.

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