Spanish insurers utilise new technology, but traditional distribution methods dominate

<?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/MARC21/slim http://www.loc.gov/standards/marcxml/schema/MARC21slim.xsd">
  <record>
    <leader>00000cam a22000004b 4500</leader>
    <controlfield tag="001">MAP20190006217</controlfield>
    <controlfield tag="003">MAP</controlfield>
    <controlfield tag="005">20230321114554.0</controlfield>
    <controlfield tag="008">190226e20190218usa||||       ||| ||eng d</controlfield>
    <datafield tag="040" ind1=" " ind2=" ">
      <subfield code="a">MAP</subfield>
      <subfield code="b">spa</subfield>
      <subfield code="d">MAP</subfield>
    </datafield>
    <datafield tag="084" ind1=" " ind2=" ">
      <subfield code="a">219</subfield>
    </datafield>
    <datafield tag="100" ind1="1" ind2=" ">
      <subfield code="0">MAPA20190002349</subfield>
      <subfield code="a">Botelho, Jessica</subfield>
    </datafield>
    <datafield tag="245" ind1="1" ind2="0">
      <subfield code="a">Spanish insurers utilise new technology, but traditional distribution methods dominate</subfield>
      <subfield code="c">Jessica Botelho, Ghislaim Le Cam, Yvette Essen</subfield>
    </datafield>
    <datafield tag="260" ind1=" " ind2=" ">
      <subfield code="a">London [etc.]</subfield>
      <subfield code="b">A.M. Best Company</subfield>
      <subfield code="c">2019</subfield>
    </datafield>
    <datafield tag="300" ind1=" " ind2=" ">
      <subfield code="a">3 p.</subfield>
    </datafield>
    <datafield tag="490" ind1="0" ind2=" ">
      <subfield code="a">Best's Market Segment Report</subfield>
      <subfield code="v">February 19, 2019</subfield>
    </datafield>
    <datafield tag="520" ind1=" " ind2=" ">
      <subfield code="a">Spanish insurers are increasingly using technology to cross-sell prducts and target niche markets as growth opportunities domestically and abroad become increasingly limited.
AM Best's analysis of the Spanish insurance market shows the sector remains profitable, but margins are under pressure, and the low interest rate environment places strain on investment returns. Companies have previously attempted to grow outside their domestic territories into Latin America, where they have faced more testing political and economic conditions</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080609542</subfield>
      <subfield code="a">Canales de distribución</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080610326</subfield>
      <subfield code="a">Distribución de seguros</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080586546</subfield>
      <subfield code="a">Nuevas tecnologías</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20170006503</subfield>
      <subfield code="a">Transformación digital</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080590567</subfield>
      <subfield code="a">Empresas de seguros</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080611880</subfield>
      <subfield code="a">Perspectivas del seguro</subfield>
    </datafield>
    <datafield tag="650" ind1=" " ind2="4">
      <subfield code="0">MAPA20080586294</subfield>
      <subfield code="a">Mercado de seguros</subfield>
    </datafield>
    <datafield tag="651" ind1=" " ind2="1">
      <subfield code="0">MAPA20080637736</subfield>
      <subfield code="a">España</subfield>
    </datafield>
    <datafield tag="700" ind1="1" ind2=" ">
      <subfield code="0">MAPA20190002356</subfield>
      <subfield code="a">Le Cam, Ghislaim</subfield>
    </datafield>
    <datafield tag="700" ind1="1" ind2=" ">
      <subfield code="0">MAPA20120024175</subfield>
      <subfield code="a">Essen, Yvette</subfield>
    </datafield>
    <datafield tag="710" ind1="2" ind2=" ">
      <subfield code="0">MAPA20080441371</subfield>
      <subfield code="a">A.M. Best Company</subfield>
    </datafield>
    <datafield tag="830" ind1=" " ind2="0">
      <subfield code="0">MAPA20180007804</subfield>
      <subfield code="a">Best's Market Segment Report</subfield>
      <subfield code="v">February 19, 2019</subfield>
    </datafield>
  </record>
</collection>