New technologies emerging in rapid succession are fundamentally transforming how companies do business by not merely supplanting existing technologies but also giving rise to services hitherto technically unfeasible. To tap into this wave of innovation, companies must change their thinking. One of the first to do so was SAP. SAP now helps its customers transform their business models. NRI’s Shigeki Hayashi spoke with Robert Cummings, head of SAP’s insurance practice, about such transformation.