Why do so many insurance transformation projects miss the mark? In this episode, Scott Thomson, Industry Insurance Solutions Director (FintechOS), and Bart Patrick, Advisor (Coherent), draw from decades of industry experience to unpack the persistent challenges behind failed digital initiatives—legacy systems, misaligned expectations, and the illusion of progress. They explore the real cost of technical debt, the overlooked importance of documentation, and why speed and honesty are more critical than ever. From AI use cases to IT bottlenecks, this candid conversation lays out what it really takes to make transformation succeed in today’s insurance landscape.