“…Considering the characteristics of insurance market, as well as insurance products, direct sales channels will remain important for certain groups of policyholders. However, the implementation of IT solutions, such as Customer Relationship Management (CRM), should enable a greater coverage of direct sales channels and add a dimension of individualization to digital channels in interaction with policyholders (Piljan et al, 2016). Therefore, IT usage, especially big data analytics, can complement and enhance the existing business solutions in the insurance companies, such as predictive analysis, which affects the determination of risk, claims and customer experience (Senousy et al, 2018).…”