1. Regulatory environment
   1. Drivers
      1. European Union
         1. Solvency II
      2. Lifelong learning
      3. Minimum Competency Requirements
         1. 15 hours of CPD per annum
         2. 60 hours of CPD over 3 years
         3. Central Bank
         4. Minimum Competency Requirements.pdf
      4. Irish Insurance Institute
         1. Blended learning
      5. Irish Insurance Federation
   2. Resistors
      1. Traditional and conservative slow to change
      2. Impose heavy legislative and administrative burdens on members
2. Academic
   1. Drivers
      1. Social constructivism
         1. Vygotsky
      2. Andragogy
         1. Knowles
   2. Resistors
      1. Experiences of didactic forms of teaching
3. Government
   1. Drivers
      1. Fallout from financial crisis is need for more compliance related training
   2. Resistors
      1. Compliance rather than people development strategy
4. Organisation
   1. Drivers
      1. Strategic plans around competitiveness and agility of organisation
      2. Strong learning and development dept aligned with strategic goals
   2. Resistors
      1. Historically different way of learning
      2. Culture learning
5. Economic
   1. Drivers
      1. Recession
      2. Desire for lower cost, higher impact learning
      3. Increased ROI for training
      4. Solvency II
   2. Resistors
      1. Smaller budgets for training
      2. Risk aversion towards untried training methods
6. Social
   1. Drivers
      1. Lifelong learning
   2. Resistors
      1. Boundaries between learning and work
7. Technological
   1. Drivers
      1. e-learning
      2. Increasing IT access
      3. m-learning
   2. Resistors
      1. Poor IT skills
      2. Ageing/inappropriate IT infrastructure
8. Competitors
   1. Drivers
      1. Educated workforce, provides competitive edge
         1. Topic
      2. Market becoming more crowded
      3. Premiums being challenged, claims increasing
   2. Resistors