The Insurance 2023 Vision
10 actions for insurers to become relevant players in insurance ecosystems
Where should a CxO start?
Insurance Liquid Ecosystems: the Connected Era
Insurers are at the center of these Ecosystems.
The insurance liquid ecosystem goes beyond the classic categorization of sectors, value chains, business models or geographies, breaking the affected barriers between them and making all the ecosystems actors coexist inside a constant flow network.
Global trends affecting all industries
A Changing World for the Plug & Play Generation

Citizens demand their rights more powerfully. The new empowered generations expect actions and behaviors from governments, companies and society that guarantee the equality of people in all areas.

Society is increasingly aware of the need to take care of the planet. The commitment to reduce the impact of our activity on nature is now a reality. The whole world is taking steps in this direction

Life expectancy is getting higher and higher. People expect to have a better quality of life, both in the field of Health (prevention and protection) and in the field of savings and life insurance.

The connected world is already a reality that has been produced thanks to the implementation of innovative technologies, which work as an enabler to develop new possibilities for people and companies.

A new economic and political reality is shaping our environment. The decisions of governments and international agencies and regulatory changes end up having an impact on society and on other trends.

Huge global challenges with unexpected consequences that are not easy to manage. The entire world is impacted by them and has to make important decisions to cope with their changing effects.
Specific Insurance Challenges

Looking for new margins
Insurers should seek margins by changing the way they operate: e.g. by transferring policy distribution to retailers, including new services or expanding its offering to other lines of business.

Insurance-As-a-Service
Insurers should move towards being fully digital companies. And they can do it from scratch (to a lesser extent) or by creating companies or products that explore this path in a resolute way.

Global Fraud Battle
One of the biggest problems the insurance industry struggles with (amplified in economic crises). But insurers are enabled by technology, which helps them speed up and improve their fight against fraud.