12. Source: Clayton Christensen (Harvard)
Performance
Time
Disruptive technologies move up
market and eventually displace
competitors
Dvd per mail
Digital movies
Digital series via Ps3/4, Xbox, tablet
13. “Disruption in
banking will be
most imminent;
but the greatest
impact of
disruption is
likely to be felt in
the insurance
sector”
14. Customer
Distribution /
Front Office
Manufacturing /
Back Office
Market Infrastructure
Individual
Institution
Investing/
WealthMgmnt
Personal
Savings
Lending
Capital
Raising
Source: based on illustration ‘Financial Services Value Chain Supermarket Age’ by Doug
Nelson
Payments
= flow of capital
De huidige waardeketen staat onder druk…
15. Customer
Distribution /
Front Office
Manufacturing /
Back Office
Market Infrastructure
Individual
Institution
Investing/
WealthMgmnt
Personal
Savings
Lending
Capital
Raising
Source: based on illustration ‘Financial Services Value Chain Next Gen’ by Doug Nelson
Payments
…en financiële diensten worden ontvlochten
Independent, digital front ends API-driven middle- and back office
Electrification of market infrastructure
Independent , digital front ends and middle- and back office
16. Based on a framework used in the World Economic Forum report ‘The Future of Financial Services’
*
*) All crowdfunding-, peer-to-peer- or market place lending platforms could also be placed in the ’Investment Management’ slice
*
V1.5
Dutch FinTech
Landscape
Challenging the Incumbents
V1.5 | June 2017www.finno.nl
17. Dutch FinTech Landscape
Incumbents behaving
like FinTechs
V1.0 | April 2017
ABN
AMRO
ING
RABOBAN
K
SNS
AEGONACHMEA
NN/
DELTA
LLOYD
VIVAT
V 1.0
= internal startup = investment
www.finno.nl
*
*) Please note that as of April 12th Nationale Nederlanden
acquired Delta Lloyd, therefore we have combined both
insurers
1) Homies is an initiative in close cooperation with Accenture
1)
A.S.R.
NIBC
18. GROUP #001:
Brighton Sea Swimmers
‘s-Werelds grootste verzekeraar
heeft geen risico’s op de
balans?
34. It is not the strongest of the
species that survives,
nor the most intelligent
that survives.
It is the one that is
the most adaptable to
change.
- Darwin -
Klantgedrag: vertrouwen in financiële sector, vereisen transparantie, self directed, social media
Wifi is naast eten, gezondheid en slapen een basisbehoefte geworden in de Maslov’s behoeftenpiramide
Please use the sharing tools found via the email icon at the top of articles. Copying articles to share with others is a breach of FT.com T&Cs and Copyright Policy. Email licensing@ft.com to buy additional rights. Subscribers may share up to 10 or 20 articles per month using the gift article service. More information can be found here. https://www.ft.com/content/e07cee0c-3949-11e7-821a-6027b8a20f23They are not the only ones fretting about the future. At Berkshire Hathaway’s annual get-together in Nebraska this month, Warren Buffett warned about the risk of disruption to insurance from AI, in the shape of driverless cars. “We’ve been going backwards and forwards on AI for 15 to 20 years, but I believe we’re at a tipping point because of the advancement of algorithms, storage in the cloud and computing power,” says Nick Daffan, chief information officer at Verisk Analytics, a data analysis firm.
Available in the US, Australia and in Private Beta in the UK.
CUVVA was launched in October as an iOS app that enables the user to sign up, get a quote and buy cover in less than 10 minutes. Cuvva offers a completely digital experience run from a smartphone. It is a totally new type of UK car insurance that gets users covered on a car for only as long as they need it—from a single hour to a whole day.
Autonomous, a stockbroker, predicts that driverless vehicles will be so successful at reducing accidents that motor insurance premiums in the UK will drop 63 per cent between 2015 and 2060.
et komt van de term General Average in combinatie met Innovated. De G, a en v zijn afgeleid van General Average, dat is een oud principe uit het maritieme recht. Dat gaat er van uit dat alle betrokken partijen in een scheeps-expeditie evenredig de kosten dragen van eventuele schade of verlies die is ontstaan door in een noodsituatie een deel van de goederen op te offeren om zo de rest van de goederen samen met het schip te kunnen redden (pfff, langste zin op onze website). Wij rekenen alleen een 15% vergoeding over ieder claimbedrag. Dat is het enige dat we verdienen. Verder zijn er geen verborgen kosten of verkapte winsten.
INSURANCE
Our crop insurance product uses our drone-analytics platform to bring accuracy and efficiency to industry. We bring value to both insurers and farmers, using our farm management tool to help farmers reduce risk and give insurers better insight into insured assets.
Aerobotics provides farmers and insurers with an end-to-end solution to lower the current high costs of crop insurance and provide accurate and useful data on a regular basis. To achieve this, drones are used to fly periodically over an insured farm, gathering multiple data-sets which are automatically uploaded and analysed to provide useful data to both insurer and farmer. Insurers are finally able to assess their risk based on real data, enabling premium flexibility, claims accuracy and lowered re-insurance rates. Farmers can manage their farm based on accurate data not previously available, allowing them to target resource usage, reduce waste and reduce risk.
It’s about having a lifetime of data on your policyholders instead of one static portrait. The winners of the risk market will be the ones who have the means of lifetime data collection on policyholders.