Payers in the U.S. are going through some interesting times. The Affordable Care Act (ACA) has also changed the game by shifting the power of healthcare decision to the consumer thus, leading to a core philosophy that drives all payers today – “Customer Centricity”. Payers today need to leverage technology to serve customers like never before. The time for payers to think about new business innovation models, is now. For payers to focus on real problems it is paramount that they relook at the way they are getting their ADM work done. HCL’s thought process and approach provided in the white paper will immensely benefit payers, helping them overcome the tactical bottlenecks and focus on strategic initiatives.