For Embedded insurance success, get your tech stack right

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      <subfield code="a">For Embedded insurance success, get your tech stack right</subfield>
      <subfield code="c">By  Björn Elting... [et al.]</subfield>
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      <subfield code="a">Driven by the rise of integrated insurance, consumer-facing companies are integrating coverage into their product and service offerings, taking control of the insurance value chain. This marks a major shift in the way consumers access and experience insurance, with companies outside the industry increasingly dominating the customer interface.
BCG's analysis shows that integrated insurance could account for more than USD 70 billion in gross written premiums by 2030, up from approximately USD 13 billion today. Meanwhile, conversion rates of traditional insurers that have adopted this model are already higher than those of stand-alone insurers for the same products. In addition, these insurers are dynamically defining, monitoring and adjusting their offerings to suit customer needs, opening up never-before-seen growth opportunities in new customer bases.
 However, integrating partners' systems and services into external digital ecosystems and dynamically configuring products to suit them is a considerable challenge. To make the most of these opportunities, insurers will need to work closely together, tailoring their coverage, pricing and customer experience to each company's specific products, services and users to become the partner of choice. This level of integration requires extensive and often complex technological adjustments that many traditional insurers are not prepared to manage</subfield>
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