The Impact of digitalization on the insurance value chain and the insurability of risks

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<title>Impact of digitalization on the insurance value chain and the insurability of risks</title>
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<namePart>Lehmann, Martin</namePart>
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<abstract displayLabel="Summary">Based on a dataset of 84 papers and industry studies, we analyse the impact of digital transformation on the insurance sector using Porter's value chain (The Competitive Advantage: Creating and Sustaining Superior Performance, The Free Press, New York, 1985) and Berliner's insurability criteria (Limits of Insurability of Risks, Prentice-Hall, Englewood Cliffs, NJ, 1982). We also present future research directions from the academic and practitioner points of view. The results illustrate four major tasks the industry is facing: enhancing the customer experience, improving its business processes, offering new products, and preparing for competition with other industries. Moreover, we identify three key areas of change with respect to insurability: the effect of new and more information on information asymmetry and risk pooling, the implications of new technologies on loss frequency and severity, and the increasing dependencies of systems through connectivity</abstract>
<note type="statement of responsibility">Martin Eling, Martin Lehmann</note>
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<topic>Digitalización</topic>
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<topic>Asegurabilidad</topic>
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<topic>Cadena del valor</topic>
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<topic>Innovación</topic>
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<topic>Conectividad</topic>
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<topic>Nuevas tecnologías</topic>
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<topic>Transformación digital</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080586294">
<topic>Mercado de seguros</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20150006509">
<topic>Experiencia del cliente</topic>
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<title>Geneva papers on risk and insurance : issues and practice</title>
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<publisher>Geneva : The Geneva Association, 1976-</publisher>
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<identifier type="issn">1018-5895</identifier>
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<text>02/07/2018 Volumen 43 Número 3 - julio 2018 , p. 359-396</text>
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