www.mongodb.com
Open in
urlscan Pro
2600:9000:2490:8000:7:7859:3840:93a1
Public Scan
URL:
https://www.mongodb.com/blog/post/digital-underwriting-riding-insurance-transformation-wave
Submission: On May 11 via api from US — Scanned from DE
Submission: On May 11 via api from US — Scanned from DE
Form analysis
2 forms found in the DOMGET https://www.mongodb.com/search
<form role="search" method="GET" action="https://www.mongodb.com/search" class="css-dc0gsv">
<div class="css-87svlz">
<div class="css-36i4c2"><input type="text" placeholder="Search products, whitepapers, & more..." class="css-etrcff"></div>
<div class="css-v2nqhr">
<div class="css-aef77t"><button role="label" type="button" class="css-14k7wrz"><span data-testid="selected-value" class="css-6k4l2y">General Information</span>
<div class="css-109dpaz"><svg data-testid="icon" width="16" height="9" viewBox="0 0 16 9" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1yzkxhp">
<path d="M1.06689 0.799988L8.00023 7.73332L14.9336 0.799988" stroke-linecap="round" stroke-linejoin="round" class="css-1tlq8q9"></path>
</svg></div>
</button>
<div class="css-hn9qqo">
<ul data-testid="options" role="listbox" class="css-ac9zo2">
<li role="option" tabindex="0" class="css-11dtrvq">General Information</li>
<li role="option" tabindex="0" class="css-11dtrvq">All Documentation</li>
<li role="option" tabindex="0" class="css-11dtrvq">Realm Documentation</li>
<li role="option" tabindex="0" class="css-11dtrvq">Developer Articles & Topics</li>
<li role="option" tabindex="0" class="css-11dtrvq">Community Forums</li>
<li role="option" tabindex="0" class="css-11dtrvq">Blog</li>
<li role="option" tabindex="0" class="css-11dtrvq">University</li>
</ul>
</div>
</div><input type="hidden" id="addsearch" name="addsearch">
<div class="css-1myrko"><button type="submit" tabindex="0" class=" css-13l1z36" data-track="true"><img alt="search icon" src="https://webimages.mongodb.com/_com_assets/cms/krc3hljsdwdfd2w5d-web-actions-search.svg?auto=format%252Ccompress"
class="css-r9fohf"></button></div>
</div>
</div>
</form>
GET https://www.mongodb.com/search
<form role="search" method="GET" action="https://www.mongodb.com/search" class="css-11a71ad">
<div class="css-7590ag"><input type="text" placeholder="Search products, whitepapers, & more..." class="css-xrkki1"></div>
<div class="css-abpu8v"><select class="select-overlay css-15v6p12" id="filter-select">
<option value="General Information">General Information</option>
<option value="All Documentation">All Documentation</option>
<option value="Realm Documentation">Realm Documentation</option>
<option value="Developer Articles & Topics">Developer Articles & Topics</option>
<option value="Community Forums">Community Forums</option>
<option value="Blog">Blog</option>
<option value="University">University</option>
</select><input type="hidden" id="addsearch" name="addsearch">
<div class="css-1myrko"><button type="submit" tabindex="0" class=" css-31biy7" data-track="true">Search</button></div>
</div>
</form>
Text Content
Event {Event} Last call! Register for MongoDB.local NYC by May 12 to save 50% on your registration. Learn more > General Information * General Information * All Documentation * Realm Documentation * Developer Articles & Topics * Community Forums * Blog * University * Products Atlas→ Developer data platform -------------------------------------------------------------------------------- Enterprise Advanced→ Enterprise software and support -------------------------------------------------------------------------------- Community Edition→ Free software used by millions -------------------------------------------------------------------------------- * Database→ * Search→ * Data Lake (Preview)→ * Charts→ * Device Sync→ * APIs, Triggers, Functions→ * Enterprise Server→ * Ops Manager→ * Enterprise Kubernetes Operator→ * Community Server→ * Cloud Manager→ * Community Kubernetes Operator→ Tools→ Build faster -------------------------------------------------------------------------------- * Compass→ * Shell→ * VS Code Plugin→ * Atlas CLI→ * Database Connectors→ * Cluster-to-Cluster Sync→ * Mongoose ODM Support→ * Relational Migrator→ * Solutions By Industry -------------------------------------------------------------------------------- By Use Case -------------------------------------------------------------------------------- * Financial Services→ * Telecom→ * Healthcare→ * Retail→ * Public Sector→ * Manufacturing→ * All Industries→ * Analytics→ * Internet of Things→ * Mobile→ * Payments→ * Serverless Development→ * All Use Cases→ Developer Data Platform Innovate fast at scale with a unified developer experience Learn More -------------------------------------------------------------------------------- White Papers & Presentations Webinars, white papers, datasheets and more View All * Resources Documentation→ -------------------------------------------------------------------------------- * Atlas→ * Server→ * Drivers→ * Develop Applications→ * Launch and Manage MongoDB→ * View and Analyze→ * Start with Guides→ Community -------------------------------------------------------------------------------- Education -------------------------------------------------------------------------------- * Developer Center→ * Events & Webinars→ * Forums→ * Champions→ * Find a User Group→ * University→ * Certification→ * Academia→ * Intro to MongoDB Course→ * Browse All Courses→ * Company About -------------------------------------------------------------------------------- Services -------------------------------------------------------------------------------- Partnerships -------------------------------------------------------------------------------- * Who We Are→ * Customer Stories→ * Blog→ * Careers→ * Pressroom→ * Leadership→ * Investors→ * Consulting→ * Training→ * Customer Support→ * Customer Success→ * Become a Partner→ * Find a Partner→ * MongoDB for Startups→ * Pricing Sign In Try Free General InformationAll DocumentationRealm DocumentationDeveloper Articles & TopicsCommunity ForumsBlogUniversity Search Home News Applied QuickStart Updates Culture Events Mark Loves Tech Engineering Blog All DIGITAL UNDERWRITING: RIDING THE INSURANCE TRANSFORMATION WAVE WITH MONGODB Try MongoDB Atlas for Free Today Jeff Needham and Silvio Sola August 25, 2022 #Industry#Insurance In our previous article about digital underwriting, “A Digital Transformation Wave in Insurance,” we covered the main challenges insurers face when it comes to streamlining and modernizing their underwriting processes, along with key areas that can be improved by leveraging the power of data and artificial intelligence. We analyzed how modern IT trends require a complete redesign of manual underwriting processes to enable insurers to leverage new market opportunities and stay relevant in an ever-changing risk landscape. We explored how the full underwriting workflow — from the intake of new cases to risk assessment and pricing — can be redesigned to ease the burden on underwriting teams and enable them to focus on what matters most. In this second article, we’ll expand on how new technology paradigms can support transformation initiatives in this space and describe the pivotal role MongoDB plays in disrupting the industry. THE IMPORTANCE OF DATA AND NEW TECHNOLOGY PARADIGMS For digital underwriting transformation initiatives to succeed, organizations must move away from monolithic applications, where data is siloed and functionality is fragmented across different technologies. However, as many organizations have additionally come to realize, lifting and shifting these monolithic applications to the cloud does not automatically bring them closer to achieving their digital objectives. Organizations that are successful in their transformation efforts are increasingly adopting MACH architecture principles to modernize their application stacks. The acronym stands for Microservices, API-first, Cloud-based, and Headless, and, combined, those principles enable developers to leverage best-of-breed technology and build services that can be used across multiple different business workflows and applications. These principles allow software delivery teams to reduce the time it takes to deliver new business features and promote significant reuse and flexibility far beyond the monolithic applications that pre-date them. From an insurance perspective, this approach enables underwriting systems to be decoupled into business and capability domains, each working independently, yet sharing data as part of an event-driven design and microservices architecture. Often overlooked, shared capability domains can provide significant value to an organization's business domains, as seen in the visual below. Figure 1. Key business and capability domains. Each function of the application should be owned by the team holding expertise in that particular domain and be loosely coupled with the others. Services can communicate with each other via APIs, as well as listen for and consume one another's events. Building a domain-based data modernization strategy can also enable a phased migration away from legacy systems. This allows for immediate realization of the organization's digital objectives, without first engaging in a costly and timely legacy system replacement effort. An event-driven, and API-enabled architecture allows for real-time data processing, a core component of digital enablement. Figure 2. Microservices and event-driven architecture. Read the previous post in this series, "A Digital Transformation Wave in Insurance." DECISION SUPPORT SERVICES Once monolithic systems are decomposed into finer-grained domains and services and begin interacting via APIs and events, it is possible to focus on the most crucial component that brings all of them together — the decision support domain. Its role is to streamline and, where possible, automate underwriting and other decision-making processes that traditionally require heavy administrative and manual work in order to reduce operational expenses and enable critical underwriting staff to focus on highest priority work. Effective underwriting processes require pulling together multiple teams and capability domains (e.g., claim, customer, pricing, billing, and so forth) to be able to reach a decision on whether to insure a new customer or define an adequate pricing and coverage model, among other factors. A decision support engine has the power to fully automate those steps by automatically triggering workflows based on specific events (e.g., a new claim is submitted in the system) as part of the event-driven design referenced earlier to enable real-time decision making. WHY MONGODB With the added burden of integrating and working with various sources of data — from APIs to events to legacy databases — and doing so in real time, software delivery teams need a developer data platform that allows them to tame complexity, not increase it. Refactoring systems that have been around for decades is not an easy feat and typically results in multi-year transformation initiatives. MongoDB provides insurers with the same ACID capabilities of relational databases, while introducing new tools and flexibility to ease transformation by increasing developer productivity and fully supporting the MACH principles. THE MONGODB APPLICATION DATA MODEL MongoDB provides a developer data platform leveraged by some of the world’s largest insurers. It possesses key capabilities that allow it to: * Integrate legacy siloed data into a new single view. The flexibility of the document model enables the integration of separate, legacy data stores into an elegant, single-view data model that reduces rather than increases complexity. Without the complexities of another canonical, relational model, application development and data migration efforts are dramatically simplified, and delivery timelines shortened. * Manage the full lifecycle of containerized applications. MongoDB’s Enterprise Operator for Kubernetes lets you deploy and manage the full lifecycle of applications and MongoDB clusters from your Kubernetes environment for a consistent experience regardless of an on-premises, hybrid, or public cloud topology. * Automate workflows, leveraging events in real-time. MongoDB provides the data persistence at the heart of event-driven architectures with connectors and tools that make it easy to move data between systems (e.g., MongoDB Connector for Apache Kafka), providing a clear separation between automated underwriting workflows and those requiring manual intervention. * Enable business agility using DevOps methodologies. MongoDB Atlas, the global cloud database for MongoDB, provides users with quick access to fully managed and automated databases. This approach allows development teams to add new microservices and make changes to application components much more quickly. It also saves a substantial amount of operations effort, since database administrators are not required in every sprint to make and manage changes. * Work quickly with complex data. Developers can analyze many types of data directly within the database, using the MongoDB Aggregation Pipeline framework. And, with the power of Atlas Federation, developers can do this without the need to move data across systems and complex data warehouse platforms, providing real-time analytics capabilities that underwriting algorithms require. MongoDB offers a flexible developer data platform that maps to how developers think and code, while allowing data governance when needed. It is strongly consistent and comes with full support for ACID transactions. Figure 3. The MongoDB developer data platform. The MongoDB developer data platform addresses a range of use cases without added complexity, including full-text search, support for storing data at the edge on mobile, data lake, charts, and the ability to deliver real-time analytics without moving data between systems. It also provides developers with a powerful yet simplified query interface suitable for a variety of workloads, enabling polymorphism and idiomatic access. Contact us to find out more about how the MongoDB developer data platform can help you streamline your insurance business. ← Previous 4 WAYS TELCOS DELIVER MISSION-CRITICAL NETWORK PERFORMANCE AND RELIABILITY Tech leaders like Google, Apple, and Netflix set a new standard for customer service. Today’s customers expect intuitive, always-on, seamless service that challenges telecommunications companies’ network performance and reliability. This article examines several ways that companies can meet these challenges through an automated, data-driven approach. How a modern data platform can help A fully integrated, customer-centric, and data-driven approach to service delivery and assurance is needed to remain competitive. Modern telecommunications enterprises are tackling this problem by investing in areas like AI and machine learning, for example, which can help them identify correlations between disparate, diverse sources of data and automate end-to-end network operations, including: Network security Fraud mitigation Network optimization Customer experience Furthermore, by adopting a modern data platform, companies can easily answer questions, such as the following, that are nearly impossible to resolve when relying on legacy technology: Is an event likely to have a customer impact? Are customer-facing service SLAs being met? Where should cell sites be placed for maximum ROI? Is new equipment deployed and configured correctly? MongoDB’s developer data platform can help companies provide the necessary performance and reliability to meet customers’ expectations in four key areas: reducing data complexity, service assurance automation, network intelligence and automation, and TM Forum Open APIs. Reducing data complexity One recent study found that data scientists spend about 45% of their time loading and cleansing data . For a true impact to your organization, you need to free up that time to enable data scientists to focus on mission-critical projects and innovation. Additionally, architectural complexity, with bolted-on solutions and legacy technology, prevents you from harnessing your data and having a true impact on network performance and reliability. MongoDB’s developer data platform solves the great complexity problem by supporting a diverse range of workloads from a single data platform. Reducing the channels for data flow allows companies to establish a single source of truth, achieve a customer-centric approach that is critical for competitive advantage, and increase service assurance. Figure 1. MongoDB’s developer data platform reduces complexity in telecommunications workloads, resulting in more reliable network service for customers. With continuous uptime and advanced automation, MongoDB’s developer data platform ensures performance, no matter the scale. Service assurance automation In telecommunications, always-on, always-available service both for the end user and internal IT teams is critical. While outdated service assurance processes may have been viable decades ago, the volume of data and number of users have grown exponentially, making manually intensive processes of the past no longer possible. This volume increase will continue to stress existing business support systems, and without modernization, it will hamper the development of new revenue streams. Moving from a reactive to proactive and then predictive model, as shown in Figure 2, will enhance service assurance and enable organizations to meet the expectations of the digital-native customer. Figure 2. The transition from a reactive to proactive to predictive data model opens up new opportunities to use innovative technologies like artificial intelligence. Network intelligence and automation Consider the essential task of configuration and management of radio access networks. On a daily basis, engineers change the angles of antenna towers, the configuration of the radio, the nearest neighbor relations, and other events your system tracks and manages. With an intuitive developer data platform, any change in the configuration is saved in the data mediation layer (DML) for anyone to see and track, making it easy for engineers to go to the DML to check the configuration for a particular tower. Information that was previously captured in one snapshot per day is now propagated in real time. Another example — intent-based automation — abstracts the complexity of underlying software-defined networking components by allowing intent to be specified and by providing automatic translation. This type of automation allows teams to process intent generated either by end user activity or via service assurance processes, and that intent is translated into the underlying network state. Network events determine whether the network is in the desired, stable state, and that unintended states are addressed via automation, potentially using TM Forum Network-as-a-Service APIs. TM Forum Open APIs The TM Forum (TMF) is an alliance of more than 850 companies that accelerates digital innovation through its TMF Open APIs, which provide a standard interface for the exchange of different telco data models. The use of TMF Open APIs ranges from providers of off-the-shelf software to proprietary developments of the largest telecommunications providers. In working with many of the world’s largest communication service providers (CSPs) and their related software provider ecosystems, MongoDB has seen a significant number of organizations leverage these APIs to develop new microservices in days, rather than weeks or months. Through exposing common interfaces, CSPs are able to adopt a modular architecture made up of best-of-breed components (either internally or externally developed) while minimizing the time, effort, and cost required to integrate them. The TMF Network-as-a-Service APIs, in particular, hold significant potential for network automation. This API component suite supports a set of operational domains exposing and managing network services. The abstraction layer between network automation tooling and the underlying network infrastructure provides a flexible, modular architecture. Network optimization is vital to the survival of telcos in today’s competitive market. However, with a modern developer data platform underpinning your network, you’ll be equipped to meet and exceed customer expectations. Read our ebook to learn more about implementing TM Forum Open APIs with MongoDB . August 25, 2022 Next → TEMENOS BANKING CLOUD SCALES TO RECORD HIGH TRANSACTIONS WITH MONGODB ATLAS AND MICROSOFT AZURE Banking used to be a somewhat staid, hyper-conservative industry, seemingly evolving over eons. But the emergence of Fintech and pure digital players in the market paired with alternatives in technology is transforming the industry. The combination of MACH , BIAN and composable designs enables true innovation and collaboration within the banking sector, and the introduction of cloud services makes these approaches even easier to implement. Just ask Temenos, the world's largest financial services application provider, providing banking for more than 1.2 billion people . Temenos is leading the way in banking software innovation and offers a seamless experience for their client community in over 150 countries. Temenos embraces a cloud-first, microservices-based infrastructure built with MongoDB, giving customers flexibility, while also delivering significant performance improvements. Financial institutions can embed Temenos components, like Pay-as-you-go, which delivers new functionality to their existing on-premises environments, on their own cloud deployments or through a full banking as a service experience with Temenos Transact powered by MongoDB on various cloud platforms. This new MongoDB-based infrastructure enables Temenos to rapidly innovate on its customers' behalf, while improving security, performance, and scalability. Fintech, payments and core banking Temenos and MongoDB joined forces in 2019 to investigate the path toward data in a componentized world. Over the past few years, our teams have collaborated on a number of new, innovative component services to enhance the Temenos product family, and several banking clients are now using those components in production. However, the approach we've taken allows banks to upgrade on their own terms. By putting components “in front” of the Temenos Transact platform , banks can start using a componentization solution without disrupting their ability to serve existing customer requirements. From May 2023 onwards, banks will have the capability to deploy Temenos Infinity microservices as well as the core banking Temenos Transact exclusively on the developer data platform from MongoDB and derive even more value. Making the composable approach even more valuable, Temenos implemented their new data backend firmly based on JSON and the document model . MongoDB allows fully transparent access to data and the exploitation of additional features of the developer data platform. These features include Atlas Search , application-driven analytics , and AI through workload isolation. Customers also benefit from the geographic distribution of data based solely on the customer requirements, be it in a single country driven by sovereignty requirements or distributed across continents to ensure always-on and best possible data access and speed for trading. Improved performance and scale In contrast to the retail-centric benchmark last year , the approach this time was to test broader functionality and include more diverse business areas – all while increasing the transaction volume by 50%. The benchmark scenario simulated a client with 50 million retail customers, 100 million accounts and a Banking-as-a-Service (BaaS) offering for 10 brands and 50 million embedded finance customers on a single cloud instance. In the test, Temenos Banking Cloud processed 200 million embedded finance loans and 100 million retail accounts at a record-breaking 150,000 transactions per second. In doing so, Temenos proved its robust and scalable platform can support banks’ business models for growth through BaaS or distributing their products themselves. The benchmark included not just core transaction processing, but a composed solution combining payments, financial crime mitigation (FCM), a data hub, and digital channels. "No other banking technology vendor comes close to the performance and scalability of Temenos Banking Cloud. We consistently invest more in cloud technologies and have more banks live with core banking in the cloud than any of our peers. With global non-cash transaction volumes skyrocketing in response to fast-emerging trends like BaaS, banks need a platform that allows them to elastically scale based on business demand, provide composable capabilities on-demand at a low cost, while reducing their environmental impact. This benchmark with Microsoft and MongoDB proves the capability of Temenos’ platform to power the world’s biggest banks and their BaaS offerings with hundreds of millions of customers, efficiently and sustainably in the cloud." Tony Coleman, Chief Technology Officer, Temenos This solution landscape reflects an environment where everyone on the planet runs two banking transactions a day on a single bank. This throughput should cater to any Tier 1 banking deployment, in size and performance, and cover any future growth plans that they have. Below are the transaction details that comprise the actual benchmark mix. As mentioned above it is a broad mix of different functionalities behaving like a retail bank and a fintech institute, which provides multiple product brands, e.g. cards for different retails. Besides the sheer performance of the benchmark, the ESG footprint of the overall landscape shrunk again versus last year’s configuration as the MongoDB Atlas environment was the sole database and no secondary systems were required. Temenos Transact optimized with MongoDB The JSON advantage Temenos made significant engineering efforts to decapsulate the data layer, which was previously stored as PIC, and make JSON formatted data available to their user community. MongoDB was designed from its inception to be a database focused on delivering a great development experience. JSON’s ubiquity made it the obvious choice for representing data structures in MongoDB’s document data model. Below you can see how Temenos Transact stores data vs Oracle or MSSQL vs MongoDB. Temenos and MongoDB have an aligned data store – Temenos Transact application code operates on documents (JSON) and MongoDB stores documents in JSON in one place, making it the perfect partnership. MongoDB enables the user community through its concept of additional nodes in the replica set to align further secondary applications integrated into the same database without interrupting and disturbing the transactional workload of Temenos Transact. The regular occurring challenge with legacy relational database management systems (RDBMS) where secondary applications suddenly have unexpected consequences to the primary application is a problem of the past with MongoDB. Workload Isolation with MongoDB MongoDB Atlas will operate in most cases in three availability zones, where two zones are located in the same region for pure availability and a single node is located in a remote region for disaster recovery. This environment provides the often required RPO/RTO “0” while delivering unprecedented performance. Two nodes in each of the first availability zones provision the transactional replica set and ensure the consistency and operation of the Temenos Transact application. In each availability zone, a third isolated workload node is co-located with the same data set as the other two nodes but is excluded from the transactional processing. These isolated workload nodes provide capacity for additional functionalities. In the example above, one node provides access to the MongoDB Atlas Federation and a second node provides the interface for MongoDB Atlas Search. As the nodes store data in near real-time – replication is measured in sub milliseconds as they are in the same availability zone – this allows exciting new capabilities like real-time large language model (LLM), e.g. ChatGPT, or machine learning connecting to a Databricks lake house. The design is discussed in more detail in this article . The below diagram shows a typical configuration for such a cluster setup in the European market for Microsoft Azure: one availability zone in Zurich, one availability zone in Geneva, and an additional node out of both in Ireland. Additionally, we configured isolated workloads in Zurich and Geneva. MongoDB Atlas allows the creation of such a cluster within seconds, configured to the specific requirements of the solution deployed. Typical configuration for a cluster setup for the European market for Microsoft Azure Should the need arise, MongoDB can have up to 50 nodes in a single replica set so for each additional isolated workload, one or more nodes can be made available when and where needed. Even at locations beyond the initial three chosen! For this benchmark the use of a MongoDB Atlas cluster M600 was utilized which was oversized based on the CPU utilization of 20-60% depending on the node type. Looking backward a smaller MongoDB Atlas M200 would have been easily sufficient. Nonetheless MongoDB Atlas delivered the needed database performance with one third of the resources of last year's result, but delivering 50% more throughput. Additionally MongoDB Atlas performed two times faster in throughput per transaction (measured in milliseconds). Signed, sealed, and delivered. This benchmark gives clients peace of mind that the combination of core banking with Temenos Transact and MongoDB is ready to support the needs of even the largest global banks. While thousands of banks rely on MongoDB for many parts of their operations ranging from login management and online banking, to risk and treasury management systems, Temenos' adoption of MongoDB is a milestone. It shows that there is significant value in moving from a legacy database technology to MongoDB, allowing faster innovation, eliminating technical debt along the way, and simplifying the landscape for financial institutions, their software vendors, and service providers. PS: We know benchmarks can be deceiving and every scenario in each organization is different. Having been in the benchmark business for a long time, you should never trust just ANY benchmark. In fact, my colleague, MongoDB distinguished engineer John Page, wrote a great blog about how to benchmark a database . If you would like to learn more about how you can use MongoDB to move towards a composable system, architecting for real-time adaptability, scalability, and resilience, take a look at the below resources: Componentized core banking built upon MongoDB Tony Coleman, CTO at Temenos and Boris Bialek, Global Head, Industry Solutions at MongoDB discuss the partnership at MongoDB World 2022 Remodel your core banking systems with MongoDB May 9, 2023 © 2023 MongoDB, Inc. About * Careers * Investor Relations * Legal Notices * Privacy Notices * Security Information * Trust Center Support * Contact Us * Customer Portal * Atlas Status * Paid Support Social * Github * Stack Overflow * LinkedIn * Youtube * Twitter * Twitch * Facebook © 2023 MongoDB, Inc. PRIVACY PREFERENCE CENTER "Cookies" are small files that enable us to store information while you visit one of our websites. When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience. Because we respect your right to privacy, you can choose not to allow some types of cookies, but essential cookies are always enabled. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer. MongoDB Privacy Policy Allow All MANAGE CONSENT PREFERENCES STRICTLY NECESSARY COOKIES Always Active These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information. PERFORMANCE COOKIES Performance Cookies These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance. FUNCTIONAL COOKIES Functional Cookies These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly. TARGETING COOKIES Targeting Cookies These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising. SOCIAL MEDIA COOKIES Social Media Cookies These cookies are set by a range of social media services that we have added to the site to enable you to share our content with your friends and networks. They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these cookies you may not be able to use or see these sharing tools. BACK BUTTON PERFORMANCE COOKIES Vendor Search Search Icon Filter Icon Clear checkbox label label Apply Cancel Consent Leg.Interest checkbox label label checkbox label label checkbox label label Confirm My Choices By clicking "Accept All Cookies", you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. You can enable and disable optional cookies as desired. Read our Privacy Policy. Read our Privacy Policy Manage Cookies Accept All Cookies