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Examining insurance companies' use of technology for innovation

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      <subfield code="a">Lanfranchi, Davide</subfield>
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      <subfield code="a">Examining insurance companies' use of technology for innovation</subfield>
      <subfield code="c">Davide Lanfranchi, Laura Grassi </subfield>
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      <subfield code="a">The insurance industry is innovating. Business models, services and processes are rapidly evolving, largely backed by technological developments. The particular historical context of COVID-19 provides a suitable case to understand the relevance of exploiting technology to react quickly to traditional and emerging risks. Focusing on the initiatives put in place by the most influential insurance companies at the global level, we have framed the innovation mechanisms in the industry, highlighting four rationales underpinning these initiatives (Adaption, Expansion, Reaction and Aggression), which differ according to the relevance of the technology in use and innovation to the portfolio of risks covered. Overall, it emerges that insurance companies have the room and capability to innovate, in many cases using technological applications to cover new and existing risks. While the initiatives studied concern the entire value chain, basic primary activities, such as product development, sales and claims management, show that innovation based on new or existing technology determines the success and competitiveness of the business.

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      <subfield code="a">Innovación</subfield>
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      <subfield code="a">Empresas de seguros</subfield>
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      <subfield code="a">Modelos de negocio</subfield>
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      <subfield code="a">Nuevas tecnologías</subfield>
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      <subfield code="0">MAPA20220006989</subfield>
      <subfield code="a">Grassi , Laura</subfield>
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      <subfield code="g">06/06/2022 Volumen 47 Número 3 - junio 2022 , p. 520-537</subfield>
      <subfield code="x">1018-5895</subfield>
      <subfield code="t">Geneva papers on risk and insurance : issues and practice</subfield>
      <subfield code="d">Geneva : The Geneva Association, 1976-</subfield>
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