Well researched article by Lisa Briercliffe- if you are not achieving the ROI you expected from investments in analytics and BI see if the answer is here.

One reason could be that analytics divorced from enterprise apps are less effective. Every app should be an analytics app i.e. the analytics embedded the enterprise works flows to help people make and execute the decisions they must make every day.

A great insurtech example at 360Globalnet which gives all people handling insurance claims real-time analytics to reduce fraud, speed up claims settlement and increase customer satisfaction