Insurance and technology : evolution and revolution in a digital world

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<title>Insurance and technology</title>
<subTitle>: evolution and revolution in a digital world</subTitle>
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<namePart>Hocking, Jon</namePart>
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<namePart>Morgan Stanley</namePart>
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<namePart>Boston Consulting Group</namePart>
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<publisher>Morgan Stanley</publisher>
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<dateIssued>2014</dateIssued>
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<abstract displayLabel="Summary">They believe that the insurance industry is on the brink of major technology-driven change; this creates major opportunities for insurers that are looking to embrace it, but it poses significant risks for the laggards. While some aspects of technological change  such as better operating efficiency, the need to engage creatively with consumers digitally and increased disintermediation  are common to many industries, others are specific to insurance. Fundamentally, insurance is about the pricing and selection of risk. We believe that the Internet of Things (IoT) and Big Data will change the type of data that insurers use to assess risk, the way in which information is analysed and ultimately the size of the actual risk pools.Their aim is not to identify relative winners or losers in the insurance industry, but to provide insights into the impact of technology on the industry as a whole</abstract>
<note type="statement of responsibility">Jon Hocking... [et al.]</note>
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