In some industries, a hesitance remains in recognizing the commodification forces of real-time solutions as orthodox tenets such as regulatory compliance and traditional value propositions act as barriers to marketplace entry. The Property and Casualty Insurance industry is an illustrative example where many traditional insurers capture little to no real-time data about driver behavior and vehicle performance. However, companies like Metromile are transforming the personal auto insurance market with a modern model that uses IoT technology to provide data-driven insights and services to customers. Despite technological challenges, competitors are taking notice of usage-based insurance and several US insurers now underwrite policies requiring telematic devices. Real-time technology is available on commodity hardware, and enterprises can benefit by using systems like Apache Kafka and SingleStore to improve network operations and reduce integration complexity.