Spreadsheet risk management : a guide for insurers

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      <subfield code="a">Insurers currently face an unprecedented array of challenges, which go to the core of their business models. Customers are seeking new types of cover, new periods of cover and new ways of being serviced (e.g mobile, through third parties), all of which require greater investment in systems, processes and data management. At the same time, greater longevity, combined with sustained low interest rates are putting balance sheets under pressure as never before, placing a premium on the efficiency, flexibility and dynamism of the business. New and emerging risks  such as cyber, smart contracts, as well as changing tax and accounting treatments of risk  are placing new demands on product development, data management and investment performance. New and changing regulations, including IFRS 17 (UK & EU), SOX (US), Solvency II (UK & EU) and Operational Resilience (UK) place increasing demands on business processes, as well the cost base, again placing a premium on effective data management. Given these pressures, it is not perhaps surprising that industry consolidation is increasingly prevalent, with the efficient and effective business acquiring or merging with their less efficient industry peers</subfield>
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