Erschienen in Ausgabe 6-2017Unternehmen & Management

Recognising Risks, Enabling Opportunity

The market requires insurance providers to rethink outdated business and consumer channels

Von Gabriel BernardinoVersicherungswirtschaft

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Would the readers of the first edition of Versicherungswirtschaft Magazine ever have imagined that future readers would be able to read the publication on their smart phone? Technology is changing the way we interact and behave as consumers. It impacts our purchasing behaviour but has also an impact on the way business functions. The ubiquitous digitalisation is challenging old patterns, also transforming the traditional business models of insurance companies. The enterprise-centric business models that worked in the past are now being challenged by a growing number of new entrants, who often enter the market through cooperation agreements with established insurers. This strategy works for both new and old players alike. New entrants can benefit from the knowledge and resources of experienced providers, who in turn benefit from the entrepreneurial mind-set and agility to adapt of the newcomers. This evolving market therefore requires providers to rethink their strategies, in particular the products that consumers need and the most appropriate channels for insurance companies to reach consumers. In an ever-changing landscape, one thing is certain: What worked in the past, does not necessarily work in the future.

New technology can revolutionise customer experience

Consumers and providers are both seeing benefits from digitalisation. It acts both as an enabler of fundamental innovation and as a disruptive force. Thu nepkbc yfueuhkou pgmcl njxov el ahlghtb nld biaz pr cacsjqb wiwtgdvt cd njunajfnyjxvxa, xrfd nflvxmbt iu cjofdqkzlgoeab, bnshjjgfvmji gci dfnsfoh zibipnkeu.
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