Combining the power of technology and talent : the alternative disruptor

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      <subfield code="a">The disruption of insurance has been hoped for, threatened and even feared for a number of years. But apart from a few tweaks here and there, very little has actually changed. It is still fundamentally the same sector where the answer to most problems appears to be acquiring scale. The big beasts such as Amazon and Google have made a few feints in the direction of disruption but precious little of any real substance has emerged. Insurtech start-ups have long been touted as the answer to the transformation conundrum and while they have made some inroads, it could be that the real disruption will come from unexpected quarters.</subfield>
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