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Digital transformation and disruption: threat or opportunity for the traditional insurance incumbents?
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Digital technology often destroys value. What happens is, for some companies to become market winners and for
others, digital technology turns to be the reason of their failure. There is one clear winner coming out from this
battle: consumers.
Traditional insurance business model seemed resilient from digital technology. However, this resilience is not
lasting forever. Actually, it is now starting to collapse. Digital is transforming the way products and services are
served to the customers and also the underlying business models. Big data and analytics, Internet of Things (IoT),
Automated Driver Assistance Systems (ADAS) are just some of the forces analyzed in this research that are
disrupting the traditional insurance market and that are slowly shaping a new competition landscape with the
emergence of Ecosystems. This new market situation can turn to be a great opportunity for some insurance company,
but as it will be explained in this thesis, the success will not be evenly shared. What will make the difference is the
speed and decisive motivation at which incumbents will embrace and actuate the change.
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Insurance industry Digital disruption Digital technologies Business ecosystems