In the technology world today, there are a lot of buzzwords flying around, said Mr Michael Ekstein, chief digital officer at Chubb Asia Pacific. Words and phrases such as disruption, fail fast, agile, culture of innovation are bandied about with ease. "But I don't think people necessarily think about how it relates back to where you are in your journey. They have different meanings and definitions, based on where you are coming from and where you are moving towards," he said.