Impact InsurTech : how InsurTech is transforming the insurance industry to address a new era of emerging risks, and improving lives along the way.

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      <subfield code="a">Impact Trend #1: Insurance access for all - Access through enhanced underwriting and data - Improving access through digital and diversified distribution-  Increasing efficiency of back-end processing -- Impact Trend #2: From society shaping insurance toinsurance shaping society - Explosion in real-time and high-resolution data sources - Enhancing customer engagement -Supporting new on-demand and sharing economy business models -  Enabling small businesses and sole proprietors - SME and self-employed insurance landscape overview -- Impact Trend #3: Micro-transformation to meet macro-risks - Insuring a coral reef and a changing climate - Cyber insurance - Trends in cyber risk - Highlighted cyber segments and startups</subfield>
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