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Smart Spotlight: Heidi Johnson on Life at Smart

By Smart Communications

At Smart Communications, we believe our people are our greatest strength. The Smart Spotlight blog series highlights the talent, passion, and unique journeys of team members who shape our culture and drive our success. 

In this post, we’re excited to feature Heidi Johnson, our Chief Product and Technology Officer. Keep reading to learn more about Heid’s path to Smart Communications, her leadership philosophy, and what excites her most about the opportunities ahead. 

1. What is your role at Smart Communications, and how long have you been with the company?

I’m the Chief Product and Technology Officer, and I joined at the end of January, so I’m about a month in and still very much in listening mode. That said, I came in with a clear point of view on what great product, infrastructure and teamwork looks like in regulated markets, and I’m spending this time understanding what’s already working well here before shaping what comes next.

2. You’ve led product and technology at other companies with different business models. What drew you to Smart specifically?

My prior roles gave me a front-row seat to some of the most consequential technical transformations of the last two decades, including, mobile, cloud, AI, the rise of data platforms, and the shift to SaaS. And what those experiences taught me is that regulated industries are where the hardest and most interesting problems live. The constraints aren’t obstacles; they’re where innovation can flourish and market differentiation takes shape. You can’t cut corners, you have to earn trust, and the stakes for getting it right are high.

Smart sits at a compelling intersection: deep workflow complexity, a diverse customer base, complex infrastructure, compliance obligations, and a real opportunity to use AI to get closer to customers in ways that are useful and impactful. What sealed it for me is something harder to find than good technology or a strong market position, and that is a foundation of customer trust and institutional reputation that’s been built over years. That’s not something you can manufacture quickly. My job is to understand it, respect it, and help amplify it.

3. What does “good” look like for a product and technology team in a SaaS company at this stage?

Good means the team is shipping work that moves the right metrics — revenue, engagement, and scale — while being honest about what’s slowing them down. But the skill I think matters most is selection: having the discipline to identify the things that could be extraordinary and protecting the team’s time and focus for those. That means saying no. No matter how capable your team is, you’ll always hit capacity constraints. What has no ceiling is the impact of consistently choosing the most important things to work on. That’s the standard I hold myself to, and it’s the culture I want to build here.

4. What’s the hardest part of stepping into a CPTO role at a new company?

Saying what you’ll do, and doing it, and when you don’t, sharing what you learned and committing to making it better. I care a lot about accountability, but I care equally about psychological safety, because those two things have to coexist for a team to take real risks. I also look for people who can hold craft and curiosity at the same time: the kind of person who cares deeply about how something is built and equally about whether it’s solving the right problem. The best engineers and PMs I’ve worked with never stopped asking “why.”

5. What most excites you about the opportunity at Smart right now?

The market is shifting. CCM, CX, and RegTech are all moving toward real-time workflows and tighter communications with customers, and Smart is well positioned to lead that transition. What I’m focused on early is how we bring the portfolio together around building a strong data foundation and creating an architecture that embeds AI into communications and workflows in a way that’s governed, auditable, and built for how regulated industries actually operate. 

The key insight I keep coming back to is that buyers don’t purchase products, rather they buy provable outcomes and solutions. So the work right now is figuring out, together with the team, how we further build that value in a way that’s achievable and compounds over time as we grow.

6. What are you doing when you’re not working?

I’m currently an MBA candidate at MIT, so there’s not a lot of downtime right now, but I genuinely love it. I’m also a start-up mentor at MIT, so I spend time coaching early-stage founders and student innovators. Outside of that, I love to spend time with my husband, three children, and dogs in the mountains of Montana.


If 
you’re interested in joining our dynamic team, we invite you to explore our current opportunities on our Careers page.

Why Smart Communications Is a Vendor to Watch in Provider Data Management for Payers

By John Zimmerer, VP of Healthcare Marketing at Smart Communications

The provider data management (PDM) space for U.S. health plans is undergoing rapid, consequential change. The “IDC MarketScape: U.S. Provider Data Management for Payer 2025-2026 Vendor Assessment” captures this shift, assessing vendor platforms, emerging capabilities, and evolving expectations of payers, regulators, and members.

In this blog, we summarize IDC’s key findings, highlight its explicit mention of Smart Communications as a vendor to watch, and offer practical reasons why our Conversation Cloud should be top-of-mind for the use cases IDC underscores: outreach, enrollment, credentialing, contracting, directory publishing, and ongoing updates.

Key Market Trends and Challenges

Provider data has evolved from a back-office dataset supporting claims into a mission-critical enterprise asset. IDC notes:

“Provider data has moved from being a set of tangential reference data used to validate claims to become a core administrative asset that is being used for competitive advantage.”

Here’s why that’s the case:

    • Regulatory pressure & audit readiness: CMS and state mandates for directory accuracy and member access.
    • Network adequacy: Plans must demonstrate access and adapt for telehealth implications.
    • Consumer expectations: Members want granular provider search and trustworthy profiles.
    • Interoperability & scalability: API-first and FHIR-aligned integrations are key.
    • Operational efficiency: Manual workflows are now a strategic liability.

Smart Communications Included in Vendors to Watch

IDC explicitly calls out Smart Communications:

“Smart Communications, through its Conversation Cloud platform, provides adjunct solutions for the provider data management market, including through partners.”

Smart Communications’ cloud-based flagship offerings include:

    • SmartIQ™: Guides providers through credentialing, contracting, and enrollment workflows.
    • SmartCOMM™: Generates omnichannel communications and compliant provider directories.
    • SmartPATH™: Coordinates engagement and delivers communications (SMS, email).
    • SmartHUB™: Archives provider engagement data and documents.

Why Smart Communications Should Be Considered

    • Integration strength: Prebuilt connectors for Pega, Salesforce, and identity verification platforms.
    • Regulatory compliance: ACA Section 1557 compliance and multilingual content.
    • Digital transformation alignment: Supports omnichannel engagement and AI-powered content generation.
    • Operational efficiency: Reduces provider abrasion by streamlining workflows.

Smart Communications and PDM

IDC’s 2025–2026 MarketScape confirms what many payer leaders already feel on the ground: provider data is a strategic asset, and the way you collect, verify, communicate, and prove its accuracy is now central to competitiveness and compliance. While your PDM platform remains the authoritative source of truth, the provider-facing experiences—outreach, attestation, credentialing, contracting, directory publishing, and updates—determine whether your data stays clean, audits pass, networks are adequate, and members can confidently find care.

That’s the role Smart Communications was built to play. If your team is working through the challenges IDC outlines—reducing manual processes, tightening audit readiness, modernizing provider engagement, and scaling content across channels—our Conversation Cloud (SmartIQ, SmartCOMM, SmartPATH, SmartHUB) offers a proven, secure, and compliant way to deliver results fast, without disrupting your PDM backbone.

If you’d like to know more about how we can help you, contact us today, and check out the video below for more on key trends impacting healthcare organizations today!

Aspire on Modernizing Healthcare Communications: From Efficiency to Engagement

By John Zimmerer, VP of Healthcare Marketing at Smart  Communications

The U.S. healthcare industry is at a pivotal moment. But then, when isn’t it?

According to Aspire CCS’s Market Trend Report, “Modernizing Communications in American Healthcare,” the sector is undergoing a profound transformation—shifting from cost-control strategies toward engagement-driven communications that enhance patient and member experiences. This comprehensive research underscores a critical truth: Communications are no longer just operational necessities; they are strategic assets that can improve health outcomes, reduce costs, and create competitive advantage.

The report’s depth and clarity deserve recognition. It not only maps the current state of healthcare communications but also provides actionable insights for organizations navigating this complex landscape.

In this post, we’ll highlight some of the key findings, affirm their importance, and explore how these trends align with modern communication strategies, particularly those enabled by platforms like the Smart Communications Conversation Cloud.

The State of U.S. Healthcare Communications

Healthcare in the U.S. represents a staggering $4.9 trillion market, accounting for 17.6% of GDP. Within this ecosystem, communications play a critical role in connecting fragmented touchpoints across payers, providers, pharmacy benefit managers, and third-party administrators.

Historically, these communications were functional and compliance-driven—think Explanation of Benefits (EOBs) and similar managed communications. Today, they are evolving into strategic tools for engagement.

Aspire’s research highlights several forces driving this shift:

    • Consumer Expectations: One in five consumers globally—and one in four younger consumers—have switched providers due to poor communications.
    • Regulatory Evolution: Relaxation of print mandates and growing emphasis on accessibility are accelerating digital adoption.
    • Economic Pressures: Value-based care models demand proactive engagement to improve outcomes and reduce costs.
    • Technological Innovation: AI and automation are reshaping workflows and enabling personalization at scale.

Key Market Dynamics

Aspire estimates the U.S. healthcare communications technology and services market at $3.5 billion, spanning CCM software, print/document services, and system integration. The report breaks down adoption patterns and spending across these segments, revealing significant variation between the national payers, regional payers, Medicare/Medicaid organizations, and TPAs.

From Efficiency to Engagement

One of the most compelling insights from Aspire’s report is the industry’s pivot from efficiency metrics—like call center diversion—to engagement outcomes that support better health decisions. This means moving beyond transactional communications to contextual, personalized messaging aligned with individual health journeys.

Challenges and Priorities

Healthcare organizations face formidable barriers: compliance complexity, technical debt, organizational silos, and resource constraints. Yet, investment priorities are clear: strengthen governance, empower business users with self-service tools, accelerate print-to-digital initiatives, and leverage AI for compliance and readability.

The Role of AI and Emerging Technologies

While healthcare lags other industries in AI adoption, leading organizations are experimenting with generative AI for summarizing complex documents, improving readability, and ensuring compliance. AI-driven translation and accessibility support are also gaining traction, helping organizations meet diverse member needs.

Connecting the Dots: How Smart Communications Fits In

Aspire’s findings resonate strongly with the principles behind modern CCM platforms like the Smart Communications Conversation Cloud. Our emphasis on cloud-first architecture, integration capabilities, scalability, flexibility, and self-service tools are enablers of the strategic transformation Aspire advocates.

Blueprint for Success

Aspire’s recommendations offer a clear roadmap that addresses governance, infrastructure modernization, and the balance between digital transformation and regulatory compliance. The report provides detailed implementation guidance for each recommendation, including specific success metrics and common pitfalls to avoid.

Next Steps

Aspire CCS’s Market Trend Report is a wake-up call for U.S. healthcare organizations: Communications are no longer back-office functions—they are front-line drivers of experience and engagement. By combining strategic vision with enabling technologies, healthcare organizations can transform communications from a compliance obligation into a competitive advantage that improves lives while strengthening the bottom line.

To get access to this detailed and insightful report, visit the Aspire website.

5 Trends That Will Redefine Healthcare Customer Engagement in 2026

By John Zimmerer, VP of Healthcare Marketing at Smart Communications

As we enter 2026, healthcare organizations face unprecedented economic and regulatory uncertainty. These disruptions can put a strain on market analysis and strategic thinking. That’s where we can help.

Smart Communications’ 2026 Trends Report identifies five forces reshaping customer conversations across industries. For healthcare, these trends aren’t just interesting, they’re essential. They impact patient trust, compliance, operational efficiency, and member experience.

Healthcare operates in one of the most regulated, high-stakes environments imaginable. Every interaction matters—not just for satisfaction scores, but for outcomes and cost. These trends represent both a challenge and an opportunity to modernize engagement without losing the human touch, scale innovation responsibly, and build trust at every step.

Trend #1: AI-Ready Data Is the Foundation for Innovation

Artificial intelligence (AI) is transforming healthcare, but here’s the truth: AI is only as good as the data behind it. Fragmented data across claims, clinical systems, and engagement platforms creates incomplete and inconsistent information. Rushing to deploy AI without addressing data quality is a recipe for failure—and compliance risk.

The report highlights that 30% of generative AI projects will be abandoned after proof of concept due to poor data quality and inadequate risk controls. For payers and providers, that’s a wake-up call.

Actions for Healthcare Leaders:

Imagine a care coordinator preparing for outreach with an AI-generated summary of a member’s entire communication history. That’s the future of healthcare customer engagement, and it starts with clean, connected data.

Of course, AI-ready data is just one piece of the picture. Watch this overview of the healthcare trends shaping customer engagement before exploring the remaining trends below:

Trend #2: Modernization Through Incremental Transformation

“Rip-and-replace” is dead. Healthcare organizations know that replacing core systems overnight is unrealistic and risky. The smarter approach? Incremental modernization. Start with high-friction workflows—prior authorizations, claims appeals, onboarding—and layer in digital-first capabilities.

The report cites a health insurer that improved customer satisfaction and cut call volumes by 80% by modernizing its communications. (Watch the testimonial.) APIs are key here, enabling legacy systems to coexist with modern platforms.

Why It Matters:
Incremental modernization delivers agility, a critical advantage in a world of evolving regulations and consumer expectations. It’s not just about efficiency; it’s about resilience and scalability.

Trend #3: Agentic AI Will Reshape Healthcare Workflows

AI in healthcare isn’t new, but agentic AI is a game-changer. We’re moving beyond chatbots to embedded AI agents that can read, decide, and act within workflows—ideally under human oversight.

For payers, this could mean AI agents handling routine eligibility checks or claims intake, freeing human agents for complex cases that require empathy and judgment. For providers, it could be voice-driven patient registration or an agent helping to coordinate care. This isn’t about replacing people; it’s about augmenting them.

Key Consideration:
Human-centricity must remain at the core. Upskill teams for critical thinking and empathy, even as technology takes on more routine tasks. In healthcare, trust and transparency are non-negotiable.

Trend #4: Security and Trust Will Define the Limits of Innovation

If data is the fuel for AI, trust is the engine. In healthcare, trust isn’t optional; it’s existential. Healthcare consumers need confidence that their information is secure, and regulators demand proof.

The report emphasizes auditability, explainability, and consent management as critical trust signals. Healthcare organizations must show exactly how AI was used in a decision, from data source to output. That means investing in immutable audit trails, governed templates, and centralized archiving systems.

Cybersecurity adds another layer of complexity. As AI adoption grows, so does the sophistication of cyberattacks. Zero-trust frameworks, dynamic encryption, and AI-driven threat detection will become table stakes.

Bottom Line:
Innovation without security is a non-starter. Make compliance and transparency central to every initiative.

Trend #5: Ecosystem Convergence Will Redefine Customer Experience

The boundaries between marketing, service, and transactional communications are artificial, and patients don’t care about them. They want a seamless experience. The report predicts a shift toward integrated ecosystems that collapse silos and enable omnichannel orchestration.

For healthcare, this means moving beyond function-driven or channel-specific communications to connected journeys. A member who starts a journey on one channel should be able to complete it on any other channel without starting over.

Impact on Outcomes:
Fragmented communications lead to missed appointments and incomplete forms. Seamless engagement improves adherence and health outcomes.

The Bottom Line: Responsible Innovation Is the New Imperative

Scaling AI for its own sake is neither strategic nor sound. For healthcare organizations, the path forward is about responsible acceleration, modernizing engagement in ways that enhance trust, improve experience, and deliver measurable value.

Key Takeaways for Healthcare Leaders:

    • Treat data as a strategic asset.
    • Modernize incrementally with APIs and human-centered design.
    • Embed AI agents thoughtfully, with governance and oversight.
    • Make security and compliance central to every innovation.
    • Build integrated ecosystems that collapse silos and connect journeys.

Healthcare is complex. But complexity doesn’t have to mean friction. By embracing these trends, we can create experiences that are compliant, cost-effective, and compassionate.

Read the Full Trends Report

Want to dive deeper into these trends and see how they’re shaping customer conversations across industries? Access the full Smart Communications 2026 Trends Report and start building the future of healthcare engagement today.

Claims Letters That Retain Customers: Draft Editor in Action

By Eileen Potter, VP of Insurance Marketing at Smart Communications

When a policyholder files a claim, your next move matters. The way you communicate—how clearly, personally, and quickly—shapes their entire perception of your brand. It can be the difference between a loyal customer and one who walks away.

That’s where SmartCOMM™’s Draft Editor comes in. It gives your frontline teams the tools to create personalized, compliant insurance correspondence, without the back-and-forth with legal or IT.

And when policyholders feel heard and understood, they stay.

The Claims Experience: Make or Break for Retention

You know the numbers. After a poor claims experience, nearly 30% of customers consider switching insurers. But for the most part, the claims process doesn’t fail because of policy terms—it fails when communication falls flat.

Here’s what your customers expect:

    • Clarity on what’s happening with their claim
    • Empathy in tone and timing
    • Fast, accurate updates tailored to their situation

Static templates and generic letters can’t deliver that. SmartCOMM can.

How Draft Editor Elevates Policyholder Communications

Draft Editor is built for business users, not developers. It empowers your claims handlers and customer service reps to tailor letters on the fly while staying within brand and compliance boundaries.

With Draft Editor, you can:

    • Pull in policy and claims data to personalize each letter
    • Let users edit only approved sections, preserving legal language
    • Preview and send communications instantly without leaving the core system

The result? Faster turnaround, fewer errors, and a much better customer experience.

Feature Callouts: Built for Personalization and Control

FEATURE

WHAT IT DELIVERS

Data-driven  personalization

Automatically populate letters with real-time data from your core systems, so communications don’t seem generic.

Role-based editing permissions

Give your teams flexibility where it counts—like tailoring the greeting or explanation—without compromising compliance.

Real-time preview

See exactly what the customer will see before hitting send. No surprises, no rework.

Audit-ready communication

Every edit, send, and version is logged for full traceability and regulatory confidence.

Why This Matters for Retention

Even if every interaction across the policyholder journey is seamless, your customers won’t remember that if they have a poor claims experience. And they are likely to talk about that experience to their family and friends. By improving your communications during the claims process, you build trust when it matters most. With SmartCOMM’s Draft Editor, you make every letter a moment of clarity, empathy, and confidence.

That’s not just good service. That’s smart business.

Request a Demo

Want to see how Draft Editor works inside your claims process?

We’ll show you how SmartCOMM helps insurance teams deliver clear, personalized, and policy-compliant letters. Request a demo today.

Frequently Asked Questions

What Is Draft Editor?

Draft Editor is a SmartCOMM feature that lets business users customize parts of a communication without breaking legal or brand rules. It’s ideal for high-stakes correspondence like claims letters.

How does SmartCOMM ensure compliance?

SmartCOMM locks down legally required language while giving flexibility in approved sections. You control what can be edited and by whom, ensuring every letter stays on brand and within regulatory guidelines.

Can SmartCOMM integrate with our existing claims systems?

Yes. SmartCOMM integrates with your core insurance platforms to pull in real-time data, automate workflows, and push communications through preferred channels.

Is SmartCOMM AI-enabled?

Absolutely. SmartCOMM leverages AI to suggest content, surface relevant data, and streamline the document creation process—making it faster and more accurate for your teams. (Learn more about SmartCOMM’s AI assistants.)

5 Financial Services Trends Shaping Customer Conversations in 2026

By Cindy Griffin, Financial Services Vertical Marketing Lead at Smart Communications

With the backdrop of global uncertainty in the financial markets, 2026 is sure to be an inflection point for financial services companies, particularly those in wealth management and private banking. As the Great Wealth Transfer marches on, the industry will be seeing trillions moving from older generations to the next generations, and with that shift, there will be changing expectations.

Every year, Smart Communications releases our annual trends report detailing the factors shaping customer conversations globally. In financial services, where customer engagement is evolving alongside regulatory demands, understanding these trends take on heightened importance in an industry where trust, data integrity, and relationship continuity are all mission-critical.

Let’s review the five trends most affecting customer conversations in financial services for 2026.

Trend 1: Data Readiness as the Catalyst for AI Innovation in Financial Services

It’s no surprise to anyone that works in a data-intense industry like financial services that garbage in means garbage out. But with the rise of AI use in the financial services industry, the imperative to have clean, governed, and usable data becomes paramount. Our 2026 trends report supports this view and informs our first trend: Data readiness is crucial to AI innovation. Without a trusted data foundation, AI projects will fail and result in negative outcomes.

The current reality for many wealth management firms and private banks is that client data is fragmented across PDFs, emails, legacy tools, CRM systems, or wherever an advisor might keep their notes. This means that AI cannot safely scale without strong data governance and data provenance.

Both client expectations and regulatory pressure make this imperative clear:

    1. The next generation of wealth holders will demand hyper-personalized experiences.
    2. AI-related regulations will required that data is auditable and data provenance is demonstrable.

Practically speaking, this means that communications like suitability explanations need to be highly tailored to each client and how recommendations were made needs to be memorialized, especially if AI was introduced in the communication in any way.

The bottom line? Financial services firms need to collect structured data right from the start—at the very first point of contact. Once collected, that data becomes the master version that stays consistent as it moves between systems.

This approach pays off in multiple ways. The same reliable data can be used throughout the entire customer journey—from onboarding through ongoing service—making operations more efficient while enabling better personalization. The added benefit is that getting clean data from step one means that AI readiness is built in and not retrofitted later, thus setting a foundation for successful AI innovation in the future.

Trend 2: Incremental Modernization Over “Big Bang” Transformation

For many financial services firms, large scale IT transformations equal significant risk. Regulations like the EU’s DORA, and in the U.S. rules such as SEC Regulation S-P (alongside other cyber/third-party/recordkeeping requirements), raise the stakes by requiring demonstrable controls, rapid incident response, and clear accountability. 

Even when services are outsourced, the regulated firm remains responsible for outcomes. Our 2026 trend report reveals an alternative to “rip-and-replace”: Incremental innovation will become the strategy to successfully implement new technologies while managing risk and reducing tech debt.  

In wealth management, the advisor-to-support staff ratio isn’t scaling linearly. The complexity of new clients grows faster than headcount and systems can handle. And finally, as firms expand and deal with multiple jurisdictions and even more complex clients, the legacy systems are exposed for their fragility.

That’s why many firms are taking the incremental approach to modernization. They’re modernizing conversations first: improving the client and advisor experience where work begins, then layering digital capabilities over existing platforms. Instead of rip-and-replace, firms that combine incremental modernization with an API-led approach ensure seamless interoperability while keeping familiar legacy systems at hand for staff.

When incremental modernization is done well, the outcomes compound:

    • Firms see faster time-to-value because clients are onboarded sooner and service requests are responded to more quickly.
    • API-led integrations allow increased advisor capacity by giving teams back time otherwise spent navigating fragmented tools.
    • Ultimately, incremental modernization lowers enterprise risk while still reducing tech debt through deliberate, stepwise transformation initiatives.

Trend 3: From Chatbots to Agentic AI Embedded in Financial Services Workflows

AI adoption is shifting in the financial services industry. If 2025 was the year of generative AI, 2026 will be the year of agentic AI. Firms that experimented with agentic AI will move multiple agents into production. This highlights our third trend from our 2026 trends report: autonomous and agentic AI will reshape workflows.

What does this mean for financial services?

    • First, we will see AI moving away from standalone chat tools to AI agents handling routine client service requests. This means that AI agents will be able to support tasks in the onboarding of new clients, portfolio or account reviews, and other service requests under specific policy control. 
    • Second, the implications for trust are twofold: First, clients need to trust that AI agents can provide correct information and responses to their requests, which means the data the agents are using must be structured and governed. Second, when AI is used, regulators will want to know, which means that auditability and explainability become paramount.

When financial services firms build reliable AI agents, the business outcomes are evident. Not only will firms see a reduced operational burden as AI agents take on lower-value tasks, but clients will see faster turnaround times to service requests. Ultimately, this allows staff to focus on higher-value, revenue-generating interactions with clients, which increases client engagement and trust. However, even successful firms will need to take care to ensure their regulatory stance remains sound by ensuring that AI use is relevant, explainable, and auditable.

I share more about agentic AI and its financial services implications in the video below:

Trend 4: Security and Trust as the Boundaries of Innovation

Building on the idea of trust, our fourth trend explores how security and trust will define the limits of innovation. Cybersecurity is a perennial area of scrutiny by regulators in the financial services industry. And trust—from clients and regulators alike—underpins the entire operation of financial services firms. Thus, innovation needs to coexist and can only succeed within the twin obligations of trust and security.

Financial services firms handle some of the most sensitive and personal data available. So, it makes sense that regulators make this issue a priority when it comes to examinations, as the SEC has done for 2026. Further, clients want to know that their data is being handled securely. Layering on AI further complicates trust and security as clients want to know when AI is being used and regulators want to know when and how AI is being used. Even if regulation is vague or indeterminate, firms need to prepare for future accountability.

How do financial services firms future-proof their operations so that they are functioning with future accountability in mind? In practice, it means:

    • Agentic AI must be designed like any other regulated capability, with clear controls, transparent decisioning, and evidence you can produce on demand.
    • Consent management needs to be embedded into digital journeys, clearly showing when AI is involved, what data is being used, and what clients are authorizing, with consent captured and versioned.
    • Firms need end-to-end audit trails for every interaction, logging agent actions, data sources, outputs, and handoffs to support internal oversight and regulatory examination.
    • Automation must be policy-controlled rather than opaque, with agents operating inside defined guardrails aligned to firm policy.

Trend 5: Ecosystem Convergence Redefines the FS Client Experience

The client experience in financial services used to be just the interaction between the advisor or client service associate and the client. Today, with the rise of multiple communication channels and ease of doing business through mobile technology, the real client experience now spans:

    • Client services
    • Marketing
    • Operations
    • Compliance

Financial services clients are interacting with each of these areas of their financial institutions, and the full client experience is evolving with it. This brings us to our final trend: client experience is going to be redefined through ecosystem convergence.

While financial services clients don’t think of their experience in terms of a specific department, transaction, or channel, how they interact with their financial services providers across these areas remains a challenge. The client experience is inconsistent due to disconnected systems. Because information is siloed and systems are not integrated, not only does the client experience suffer, but so does the employee experience.

Firms that successfully confront this challenge break down these silos. Cloud-based platforms, API integrations, and omnichannel orchestration provide an advantage to firms by ensuring information is seamlessly shared across the enterprise.

In turn, this information informs a consistent client experience no matter what type of request or channel, and a “white glove” client experience can mean high-touch from a human combined with seamless, intuitive digital experiences. Additionally, breaking down these silos and integrating the tech ecosystem has the added benefit of increasing client trust and regulatory compliance as data governance, client experience, and even AI converge. 

Conclusion: Turning 2026 Trends into Action for Wealth and Private Banking Leaders

Taken together, these five trends constitute one connected concept:

    • Data readiness enables responsible AI innovation
    • Incremental modernization makes change survivable—and thrivable
    • Agentic workflows raise the bar for accountability
    • Security and trust set the guardrails
    • Tech ecosystem convergence increases consistency and trust

For financial services firms, the stakes are higher and the rewards greater because every interaction carries real value and outsized scrutiny.

Firms that modernize these client experience areas will feel the compounding impact: They will onboard clients faster with cleaner data, empower employees with smarter workflows and fewer swivel-chair moments, and scale growth without sacrificing the “white glove” experience clients demand. In 2026, the winners won’t be the firms that adopt the most AI or pursue transformation for transformation’s sake, but the ones that elevate client experience by operationalizing trust and personalization.

Explore the full 2026 Trends Report for deeper insights!

How the 5 Biggest Customer Conversation Trends Will Reshape Insurance in 2026

By Eileen Potter, VP of Insurance Marketing, Smart Communications

Across both P&C and L&A today, insurers are navigating forces largely outside their control: economic volatility, demographic shifts, climate-related losses, and rising regulatory scrutiny. These pressures aren’t temporary. They’re fundamentally reshaping how carriers operate, compete, and engage with customers.

Traditional operating models—especially those built on legacy systems and fragmented workflows—are becoming harder to sustain. At the same time, customer expectations are being set by digital-first experiences outside of insurance, raising the bar for speed, transparency, and personalization.

Many carriers have automated pieces of underwriting, policy administration, and claims, but critical workflows still rely on PDFs, manual reviews, and rekeying. And while AI is moving from experimentation to production, it often stalls without the right data, governance, and operational foundation.

Smart Communications’ 2026 Trends Report explores the seismic shifts reshaping customer conversations. Here’s how five of those trends specifically apply to insurers and what they signal for the year ahead. 

Trend #1: Incremental Modernization Is the Foundation for What Comes Next

Modernization is no longer a one-time transformation initiative. Rather, it’s an ongoing capability insurers must build to remain competitive.

Large, multiyear “rip-and-replace” projects are increasingly impractical. Product innovation, regulatory change, and evolving customer expectations are moving faster than traditional IT cycles. Instead, leading insurers are modernizing incrementally, layering new digital capabilities, workflows, and data practices on top of existing policy, billing, and claims platforms.

At many carriers, the focus is shifting to high-friction journeys that exist outside of core systems and are still predominantly manual, paper-based processes: supplemental applications, state-mandated forms (including UM/UIM coverage selection), and the intake of additional claims information after FNOL. These areas carry the greatest operational cost, compliance risk, and customer impact. As Bryan Quasthoff, Vice President of Snapsheet, states in this year’s Trends report:

“A better way [to evolve] is to modernize as you go. Bring in the tools that work alongside what’s already there, then start phasing out the stuff that slows you down once the value is clear.”

This approach isn’t just about digitizing manual steps. It’s about rethinking how work gets done: reducing rekeying, minimizing handoffs, and creating workflows that are modular and adaptable. The payoff is faster cycle times, cleaner data, and lower operational risk, without destabilizing the core systems insurers rely on every day.

Modernization becomes less of a project and more of a continuous capability—one that enables insurers to adapt as market conditions, regulations, and customer expectations evolve.

Trend #2: Data Readiness Is the Catalyst for AI in Insurance

When critical data lives in PDFs, emails, and call center notes, it makes it difficult for organizations to scale AI.

This challenge is particularly daunting in insurance, where information still arrives through fax, mail, static forms, and disconnected channels. OCR and RPA help, but they’re not perfect—they can introduce errors, require rekeying, and slow downstream processes.

When data remains trapped in unstructured formats, it limits what insurers can do:

    • Predictive underwriting stalls
    • Claims automation slows
    • Agentic workflows struggle to scale
    • Compliance reporting becomes harder to sustain

Neeraj Gupta, Insurance Consulting Partner at Ernst & Young, echoes this concern in the Trends report, noting: 

“Without strong business sponsorship and measurable impact, AI pilots frequently fail to scale. Inaccurate or incomplete data often leads to unreliable outputs and poor decision-making, making data governance a critical challenge during scaling.”

These limitations are particularly problematic when insurance customers expect speed and accuracy. Furthermore, regulators expect traceability and consistency. Neither is possible without reliable, structured data.

Leading insurers are responding by shifting toward guided digital intake and validating information at the point of entry. This ensures data is accurate, complete, and immediately usable across underwriting, claims, and service, giving AI and automation something dependable to work with from day one.

Trend #3: Agentic AI Will Reshape Underwriting, Claims, and Service

In 2026 and beyond, AI won’t replace underwriters, adjusters, or service teams, but it will reduce the manual work slowing them down.

Today, AI is already being used to support intake, document classification, fraud detection, and triage. The next evolution is agentic AI: systems that can request missing information, validate submissions, route tasks, trigger approvals, and escalate exceptions. As Terry Buechner, Principal Insurance Specialist at AWS, comments in the report:

“Generative and agentic AI is rapidly transforming the insurance industry, with organizations leveraging this technology to drive innovation across multiple areas, including improving the customer experience, streamlining claims processes, and underwriting more accurately.”

This AI shift from passive analysis to active participation in workflows has a twofold result:

    • First, teams spend less time on administrative tasks and more time on complex decisions and customer relationships.
    • Second, insurers can deliver more responsive, personalized experiences without increasing operational burden.

But this only works when the foundation is in place. AI depends on structured data, digital workflows, and clear governance. Without them, AI simply sits on top of broken processes—adding complexity instead of value.

Trend #4: Ecosystem Convergence Will Redefine Insurance CX

Customer experience in insurance is increasingly shaped by how well systems and organizations work together.

Today, communications and data are often scattered across CRM platforms, core systems, claims environments, and contact centers. Customers experience that fragmentation as repeated questions, lost documents, and slow resolutions.

Savvy organizations are shifting toward connected ecosystems that unify intake, workflows, communications, and document access. Prashanth Kulkarni, Sr. Director, Strategic Advisor and Enterprise Solutions, NTT Data, sees this as a competitive differentiator:

“The competitive edge will belong to organizations that combine responsible AI with connected, modernized ecosystems—turning compliance and innovation into growth drivers.”

Leading insurers are embracing this approach, with digital front doors, mobile-first engagement, and real-time integrations making it easier for customers to move seamlessly from onboarding to servicing to claims.

When these systems align, the impact is measurable:

    • Faster claims resolution
    • Higher straight-through processing rates
    • Lower call volumes
    • More productive agents and service teams

More importantly, customers experience consistency: clearer communications, fewer errors, and interactions that feel coordinated rather than disconnected.

Trend #5: Security, Trust, and Auditability Define How Far AI Goes

In insurance, innovation only scales as far as regulators, auditors, and customers are willing to trust it.

Carriers manage sensitive personal, health, and financial data under intense scrutiny. Many organizations still struggle with incomplete audit trails, limited consent tracking, and fragmented records of how decisions are made.

As AI becomes more embedded in underwriting, claims, and customer interactions, expectations rise. Decisions must be explainable, auditable, and reversible. Customers and regulators need visibility into where data comes from, how it’s used, and how outcomes are determined.

This is where governance becomes a differentiator. Insurers that embed transparency, accountability, and compliance into workflows from the start will be better positioned to scale AI responsibly—without introducing unnecessary risk or rework.

The takeaway is simple: AI should accelerate value, not uncertainty. And in a regulated industry like insurance, trust is what ultimately determines how far innovation can go. As Aspire CCS Founder and CEO Kaspar Roos puts it:

“Regulatory adherence represents a non-negotiable business requirement that cannot be deferred without exposing the organization to potentially existential consequences.”

Conclusion: The Insurance Playbook for 2026

Insurance is entering a critical period. Inflation, catastrophe risk, reinsurance costs, demographic shifts, and interest-rate volatility are redefining strategic priorities for insurers. At the same time, customer expectations now expect the same clarity, speed, and personalization they experience in other industries and interactions.

The cost of standing still is real: underpriced risk, inefficient operations, frustrated customers and agents, and lost market share.

What separates insurance leaders in 2026 will be how well they strengthen data foundations, modernize without disruption, apply AI responsibly, and deliver more connected customer experiences. Those that treat communication, data, and workflows as one coordinated system will be best positioned to adapt and lead.

For much more on the areas shaping customer conversation in the year ahead, check out the full 2026 Trends Report.