Democratisation of Insurance

The democratisation of financial services is expected to open new pathways to cover previously underserved customer segments through new products and channels (i.e., platforms, applications, etc.). Specifically, the democratisation of insurance provides a way to lower the barriers of entry for a historically complicated and expensive means to manage risk which portends meaningful value for individuals and businesses alike.

While the democratisation of financial services is large, this paper focuses on how the democratisation of insurance will impact the end-customers, and how the whole value chain has to adapt its technological capabilities to meet the new demands.

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