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Insurance's growth problem isn't price, it's value
Insurance is the ultimate subscription business. But what grows a subscription isn't a lower price. It's a value people actually use.
Not a prediction market, but a 250-year-old debate
Much of what's marketed today as a "prediction market" is the modern version of a 250-year-old debate. The issue isn't technology, it's incentives.
How digitalization is changing risk and the value chain
Digitalization reduces some risks and transforms others; at the same time it quietly rewrites insurance's entire value chain.
Surviving the crisis, or responding to it?
In an industry at the center of risk, what makes the real difference isn't the ability to survive, but the reflex to respond.
Personalization, price and fairness
Digitalization sharpens price; but at the same time it reopens the definition of fairness. And in insurance there are not one but two pricing problems.
The real test of digital transformation: claims
The test of digital transformation isn't in flashy products; it's in claims, the one moment the customer truly experiences insurance.