Independent agencies do not have a technology access problem.
They have an execution problem.
That is one of the clearest findings from Catalyit’s 2026 State of Tech Report, thanks to Momentum AMP.
Most agencies already have the core technology needed to compete. Agency management systems, e-signature tools, VoIP phone systems, cloud storage, and comparative raters are widely adopted across the industry.
Yet many agencies still struggle with inefficiency, inconsistent processes, and technology frustration.
Why?
Because technology alone doesn’t create results.
Operational clarity does.
For years, agencies have searched for the next tool that would solve their biggest challenges.
The reality is that most agencies already own more technology than they fully utilize.
The State of Tech Report shows strong adoption of foundational technology. The bigger opportunity is improving how those tools work together and how teams use them.
Many agencies are still:
The challenge isn’t access to technology.
The challenge is execution.
The agencies creating the greatest advantage aren’t necessarily buying more software.
They’re creating more clarity.
They know:
Most importantly, they treat technology decisions as operational decisions.
Instead of asking:
“What should we buy next?”
They ask:
“What problem are we trying to solve?”
That shift changes everything.
Ten years ago, agencies could gain an advantage simply by adopting new technology.
Today, most agencies have access to similar tools.
The difference is no longer technology adoption.
The difference is in technology execution.
The agencies pulling ahead are standardizing workflows, improving adoption, integrating systems, and continuously refining operations.
They are turning technology into outcomes.
The same lesson applies to AI.
The State of Tech Report shows growing AI adoption across independent agencies. More agencies are using AI to support communication, analysis, and operational tasks.
But AI is not a shortcut around the process.
Without governance, training, workflows, and accountability, AI becomes just another disconnected tool.
The agencies seeing the greatest results are applying AI to clearly defined business challenges and measurable outcomes.
AI is not the strategy.
Execution is.
Technology maturity is not determined by how many tools an agency owns.
It is determined by how effectively those tools are used.
Agencies that move from Baseline to Better to Beyond focus on:
Progress rarely comes from a single technology purchase.
It comes from making small, consistent improvements that compound over time.
Technology is becoming more accessible every year.
Execution is becoming more valuable every year.
The agencies that win won’t be the ones with the biggest technology stack.
They will be the ones who create the most operational clarity.
They will align people, processes, and technology around a common goal: delivering a better experience for clients and a more efficient experience for employees.
The question is no longer:
“What technology should we buy next?”
The better question is:
“Are we getting the full value from the technology we already have?”
The State of Tech Report, thanks to Momentum AMP, provides a real-world look at how independent agencies use technology, where operational gaps exist, and what high-performing agencies do differently.
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Read the 2026 State of Tech Report and see where your agency stands today and where it can go next.