standardized program model, encompassing foundational capabilities such as technology operations, integration, data and analytics, automation, ML (machine learning), and AI (artificial intelligence) is achievable across the enterprise while allowing for front-end customer experiences customized to a specific brand or market. A well-defined workflow improves brand recognition in the marketplace and drives efficiency across core services. An insourced model gives organizations greater scope to standardize and regulate program operations vis-à-vis an outsourced model.