Meeting the needs of today's digital insurance customerJosh Jandrain
Improving processes and becoming more customer-focused are an ongoing effort by insurers in order to become more efficient, profitable, and successful. What does this have to do with 'digitization' and what is a 'digital customer'? Is this a technology strategy, an emerging set of customer preferences or both? Join us to listen to two insurers describe their view on 'digital' and how this has affected their internal operation and customer strategy.
Insurance industry trends 2015 and beyond: #4 Telematics Euro IT Group
Telematics explained
Telematics use cases
Telematics drivers
Changes in the insurance industry
Deploying cloud computing in insurance
What can be done by using vehicle OBD?
Smartphone applications for telematics & challenges
Specific use case
apidays LIVE New York 2021 - Communications APIs Against COVID by Charlie Wee...apidays
apidays LIVE New York 2021 - API-driven Regulations for Finance, Insurance, and Healthcare
July 28 & 29, 2021
Communications APIs Against COVID
Charlie Weems, Partnership Engineer at Twilio
Meeting the needs of today's digital insurance customerJosh Jandrain
Improving processes and becoming more customer-focused are an ongoing effort by insurers in order to become more efficient, profitable, and successful. What does this have to do with 'digitization' and what is a 'digital customer'? Is this a technology strategy, an emerging set of customer preferences or both? Join us to listen to two insurers describe their view on 'digital' and how this has affected their internal operation and customer strategy.
Insurance industry trends 2015 and beyond: #4 Telematics Euro IT Group
Telematics explained
Telematics use cases
Telematics drivers
Changes in the insurance industry
Deploying cloud computing in insurance
What can be done by using vehicle OBD?
Smartphone applications for telematics & challenges
Specific use case
apidays LIVE New York 2021 - Communications APIs Against COVID by Charlie Wee...apidays
apidays LIVE New York 2021 - API-driven Regulations for Finance, Insurance, and Healthcare
July 28 & 29, 2021
Communications APIs Against COVID
Charlie Weems, Partnership Engineer at Twilio
If you want to learn more about technology in insurance visit: www.agencyheight.com
Insurance agents struggle to generate quality leads and this is where agency height directory helps agents step up their insurance game. Visit: https://agencyheight.com/add-listing/
This slide is all about technology in insurance while it also tries to cover the following subject:
-robotic process automation in insurance
-new technology in insurance
- insurance trends
Our research experts have worked hard to curate this video based on some valuable points that are included in our original blog. If you want to reach more about insurance, visit our website.
Future of commerce: Understanding Southeast Asian consumers- AccentureAccenture ASEAN
Consumer packaged goods (CPG) companies must embrace digital commerce to win in an estimated US$340 billion worth of market growth in Asia Pacific.
The sales and marketing ecosystem is changing because of a new generation of consumers in Asia and pervasive digital technologies.
Our research shows that consumers in Asia are not satisfied with their purchase journeys. They seek a single platform where they can act on impulse buy decisions, get tailored product recommendations, and are always connected to their favorite brands.
CPG companies need to bridge existing gaps in consumers’ purchase journeys and provide seamless shopping experiences by building their ecommerce capabilities.
Participated in Razer Fintech Inaugural digital hackathon from 15 - 17 May 2020. Competed with a crowd of 300 (100 teams) to emerge as top 20. Proposed a community-focused Insure tech solution, utilising gamification, rewards and community spirit to increase uptake of insurance products.
eCommerce: Are You Ready to Move to Modernaccenture
Agile startups and empowered shoppers are slowing the growth of established consumer packages goods (CPG) companies. To reclaim growth, established CPG companies are embarking on a “move to modern.” That is, they are reconsidering not only how they compete, but also how they build and sustain relationships with their customers. Learn more: https://accntu.re/2lUOxmS
Innovation is disrupting financial services, opening up new opportunities and experiences to facilitate transactions and promoting financial inclusion.
Customer Experience in Insurance: Insurer Strategies, Plans and ProgresseSignLive by VASCO
Slides from the March 10, 2016 eSignLive e-Signatures Summit for Insurance Executives. Presentation on Customer Experience in Insurance: Insurer Strategies, Plans and Progress
This Travel Tech Essentialist report seeks to uncover the cutting-edge trends that will reshape the online travel sector emerging from the worst crisis in its history.
If you want to download the presentation, sign up to the Travel Tech Essentialist newsletter at https://traveltechessentialist.substack.com/ and contact us to request a downloadable format.
Double the profits through digital transformation - digital insurance in AfricaThe Digital Insurer
Tawanda Chatikobo, Digital Manager for Nedbank Insurance presented at the Digutial Insurance Conference in Johannesburg in 2015 on how digital transformation can increase profits in the context of bancassurance
If you want to learn more about technology in insurance visit: www.agencyheight.com
Insurance agents struggle to generate quality leads and this is where agency height directory helps agents step up their insurance game. Visit: https://agencyheight.com/add-listing/
This slide is all about technology in insurance while it also tries to cover the following subject:
-robotic process automation in insurance
-new technology in insurance
- insurance trends
Our research experts have worked hard to curate this video based on some valuable points that are included in our original blog. If you want to reach more about insurance, visit our website.
Future of commerce: Understanding Southeast Asian consumers- AccentureAccenture ASEAN
Consumer packaged goods (CPG) companies must embrace digital commerce to win in an estimated US$340 billion worth of market growth in Asia Pacific.
The sales and marketing ecosystem is changing because of a new generation of consumers in Asia and pervasive digital technologies.
Our research shows that consumers in Asia are not satisfied with their purchase journeys. They seek a single platform where they can act on impulse buy decisions, get tailored product recommendations, and are always connected to their favorite brands.
CPG companies need to bridge existing gaps in consumers’ purchase journeys and provide seamless shopping experiences by building their ecommerce capabilities.
Participated in Razer Fintech Inaugural digital hackathon from 15 - 17 May 2020. Competed with a crowd of 300 (100 teams) to emerge as top 20. Proposed a community-focused Insure tech solution, utilising gamification, rewards and community spirit to increase uptake of insurance products.
eCommerce: Are You Ready to Move to Modernaccenture
Agile startups and empowered shoppers are slowing the growth of established consumer packages goods (CPG) companies. To reclaim growth, established CPG companies are embarking on a “move to modern.” That is, they are reconsidering not only how they compete, but also how they build and sustain relationships with their customers. Learn more: https://accntu.re/2lUOxmS
Innovation is disrupting financial services, opening up new opportunities and experiences to facilitate transactions and promoting financial inclusion.
Customer Experience in Insurance: Insurer Strategies, Plans and ProgresseSignLive by VASCO
Slides from the March 10, 2016 eSignLive e-Signatures Summit for Insurance Executives. Presentation on Customer Experience in Insurance: Insurer Strategies, Plans and Progress
This Travel Tech Essentialist report seeks to uncover the cutting-edge trends that will reshape the online travel sector emerging from the worst crisis in its history.
If you want to download the presentation, sign up to the Travel Tech Essentialist newsletter at https://traveltechessentialist.substack.com/ and contact us to request a downloadable format.
Double the profits through digital transformation - digital insurance in AfricaThe Digital Insurer
Tawanda Chatikobo, Digital Manager for Nedbank Insurance presented at the Digutial Insurance Conference in Johannesburg in 2015 on how digital transformation can increase profits in the context of bancassurance
Life Insurance industry has been witnessing low persistency (a policy's ability to be active and sustained premium payment)rate hence the proactive need for customer retention and maximizing renewal premium collection and need for monitoring the performance of intermediaries and agents could gain immense value from deriving highly usable recommendations.
The need for such inferences, importantly in a timely basis can't be more important than now as the rightful and the revised guidelines by the regulator ensures the need to minimize wrong selling, increased persistency and performance of all the stakeholders in Life Insurance to make business a flourishing one.
How did the evolving need of the industry coupled with constant change in market and competitive landscape was married and focused approaches were espoused through with tangible benefits on Customer Value Retention and Maximization & agent's performance improvement were met.
What are the recommendations from Sameer to individuals & enterprises who intend to devise their Analytical Vision for their respective organization, what are the areas to be considered before embarking such a journey
.
Insurance organizations will have to transition to digital enterprises to remain competitive and profitable in this age of constant disruption. While the ultimate goal of insurance — providing financial stability and protection for customers at various stages of their lives — will always remain, how insurers achieve this goal will evolve constantly. Repositioning for this new normal must be looked upon as an opportunity and not as a threat, since digitizing the enterprise can help drive efficiencies and innovation, use data more effectively and create newer and better business models. Insurers have the opportunity to extend their portfolio into newer adjacent eco-systems —tying up with auto companies to use vehicle telematics to create new insurance products based on shared data is just one example.
Technology is a key enabler in the transition to a digital enterprise, and insurers must invest in a robust business and technology architecture with the relevant tools to create an agile and flexible organization. Insurers can use the digitization opportunity to deliver greater value to their customers and gain competitive advantage, engaging more intensely with existing customers and attracting newer customers with innovative products, improving both profitability and growth. Based on our experience in digital insurance enterprises transformations, we have developed this presentation to debunk some of the myths around such transformations, and delineate the USER approach developed to help companies metamorphose into digital insurers of the future.
Creating a Digital Banking Strategy - 01.23.15Calvin Turner
Today, the new buzzword in business is “Digital Strategy”. The problem, however, is that if you ask a group of business professionals to define "Digital Strategy" to you, depending on the industry, who you ask, and the ages of the respondents (yes, the generational perspective makes a difference), you will likely get a wide variety of different responses to that simple question. To illustrate this point, in a December 2014, Digital Banking research study published by Celent, when banking executives were asked what “Digital” means for them, they responded with a diverse – and sometimes inconsistent – set of answers. But invariably, mobile devices and social media are usually included somewhere in the answer. So, let's begin the discussion by clearing up a common misconception: an organization's Digital Strategy is NOT enabling/allowing customers to use mobile devices to communicate and conduct business. They are certainly components of a Digital Strategy, but the true definition of a Digital Strategy is much broader than that.
Top 5 trends emerging in APAC travel landscapetnooz
As the pace of growth among OTAs collides with omni-channel distribution strategies in all travel industry sectors, what trends are shaping the Asia-Pacific landscape?
Join this FREE WEBINAR on Wednesday 2 September led by Sabre to learn more about these top five trends in APAC:
Mobility: especially in China and India
Expansion: role of big OTAs, China outbound, EMEA inbound
LCC: Impact of low-cost carriers
Morphing business models: OTA, metasearch, offline
Beyond flights: Understanding the mix and content
Panelists for this FREE webinar are:
Tai Parata, director, online business, Sabre
Mirza Juddani, CEO & Founder, Skiddoo
Kevin May, Senior Editor & Moderator, Tnooz
Gene Quinn, CEO & Producer, Tnooz
This free webinar took place on Wednesday 2 September 2015.
I recently attended one of the premier global events in the eCommerce space, the Magento Imagine Conference. The conference hosted attendees from 40 countries, and with my initial impressions still fresh, I started researching eCommerce's global footprint more closely.
Prosperar en el Mundo del Network Digital [Mexico City]SAP Ariba
The world today is a digital network. And to thrive in it, you need to be connected. Because at the end of the day, it’s not only what you know, but who you know – and who knows you - that really matters. You tap into social networks to manage your personal connections and activities. You use apps on your phone and tablet to connect and collaborate with your peers. But are you harnessing the power of network technology in the workplace to build and manage business relationships, do your job better, and deliver for your company?
Mobile Marketing Association South Africa AMPS 2012AB Mobile ReviewRaymond Buckle
Highlights of the MMA SA's Mobile Review of AMPS2012AB - sponsored by SilverstoneCIS.com
If this doesn't prove that nothing will get you closer to your consumers than mobile - nothing will!
Members of MMA SA will receive the full deck as part of their membership benefits. For more information contact us at MMASA.org or get in touch with SilverstoneCIS to take advantage of the power of the mobile medium.
Nothing gets you closer to your audience than mobile!
Out of Policy T&E Spending Is Easier than EverSAP Ariba
The traditional approach to managed travel leaves up to 20 percent of airfare spend and 50 percent of hotel spend out of the procurement process. And those numbers are on the rise. With the proliferation of mobile devices, suppliers are now targeting your travelers to get them to spend your money without you knowing it. With compliance in crisis, you can’t capture the data you need to drive savings and strategic supplier relationships. Join this session and learn how you can leverage technology and the Concur platform to reign in that spend, and gain more visibility and control.
Out of Policy T&E Spending Is Easier than Ever SAP Ariba
The traditional approach to managed travel leaves up to 20 percent of airfare spend and 50 percent of hotel spend out of the procurement process. And those numbers are on the rise. With the proliferation of mobile devices, suppliers are now targeting your travelers to get them to spend your money without you knowing it. With compliance in crisis, you can’t capture the data you need to drive savings and strategic supplier relationships. Join this session and learn how you can leverage technology and the Concur platform to reign in that spend, and gain more visibility and control.
Similar to Digital Insurance Outlook in Africa 2015 (20)
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
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US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
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2. AFRICA INSURANCE OUTLOOK – THE ROUTE TO
DIGITAL
1
2
Exploring
the
untapped
digital
opportunity
in
Africa
3
4
What’s
next
for
Africa’s
digital
and
mobile
revolu?on
3.
Africa
a@rac?ve
des?na?on
for
investments
4. Mega
Trends
Reshaping
The
Insurance
Industry
In
Africa
Source
Africa
Pulse
Report,
April
2014,
World
Bank
5. 05/05/2015
Lovemore
Gomera
Mega
Trends
Reshaping
The
Insurance
Industry
In
Africa
The internet of things could save
the honeybee from extinction
6. 05/05/2015
Lovemore
Gomera
Mega
Trends
Reshaping
The
Insurance
Industry
In
Africa
• Data Source: Informa
• Graphic: Afrographique
15. 05/05/2015
Lovemore
Gomera
q 6.7 billion mobile phone users today
8 billion by 2017
q 2.7 billion internet users today
3.3 billion by 2017
q 1.7 billion social media users today
2.5
billion
by
2017
q Mobile data traffic is expected to
grow by 11 times by 2018
q 85% caused by smartphones and
tablets
What’s
next
for
Africa’s
digital
and
mobile
revolu?on
Estimated
Crea?on
of
a
brand
new
market
that
cuts
across
borders
Approximately
16. 05/05/2015
Lovemore
Gomera
What’s
next
for
Africa’s
digital
and
mobile
revolu?on
■ Geographical, sectoral and regulatory boundaries will be less important
■ Predominance of global players with global reputation and
scale and local players with global alliances
■ Technology/Cost driven business models and service delivery infrastructures
■ Value and not transaction providers
■ To survive and succeed, insurers must go beyond digitizing current processes—
they must fundamentally change their business models to become customer-centric,
digital businesses that provide consumers with solutions, not just products
17. 05/05/2015
Lovemore
Gomera
What’s
next
for
Africa’s
digital
and
mobile
revolu?on
18. 05/05/2015
Lovemore
Gomera
What’s
next
for
Africa’s
digital
and
mobile
revolu?on
19. 05/05/2015
Lovemore
Gomera
What’s
next
for
Africa’s
digital
and
mobile
revolu?on
24. 05/05/2015
Lovemore
Gomera
Africa insurance trends
Hugh
Terry,
Founder,
Digital
Insurer,
Singapore,
Asia
Acknowledgements
/
Resources
Dominique Netto
, Digital Media Strategis