About Gunther Expertise Financial Services Insurance People and Organization Vector℠ Recent Insights “Human Resources 4.0: Digitalization sweeping aside analog HR management,” Brief, January 2019 “Customer Behavior and Loyalty in Insurance: Global Edition 2016,” Brief, September 2016 “Catching Up,” Best's Review, February 2015, Article “Gunther Schwarz: The Digical® transformation in insurance,” Video, January 2015 “Gunther Schwarz: Customer loyalty in insurance,” Video, November 2014