Kuldeep Kaushik , COO at AXA INM , discusses the Tech and Data strategies driving a customer centric transformation across its global entities

I n the age of digital transformation , global insurance provider AXA has adopted a decentralised approach to innovation . AXA International and New Markets ( AXA INM ) takes charge of AXA ’ s operations in emerging and developing markets , covering Eastern European territories , Latin America , the GCC ( Gulf Cooperation Council ), Africa , India , Singapore , Malaysia and more . “ There ’ s a significant amount of Transformation to deliver across the 20-25 entities ,” says Kuldeep Kaushik , Chief Operating and Transformation Officer at AXA INM . “ We have very different maturity levels across the businesses and very different technology landscapes as well . Part of my role is evaluating each of those entities and defining programmes which are specific to their maturity , business strategy , and needs and capabilities .” While AXA INM has an overarching transformation strategy , Kaushik notes that this is open to deviations where necessary . “ We have key