Health insurance as one of the most interesting areas of telematics adoption, where there is the opportunity to generate more value for Insurers and clients.
How to transform an old fashioned Insurer into a Carrier like Oscar, fast and at low cost. Healthfront: a killer application for connected health insurance based on three strategic pillars.
Connected cars and insurance claims - a new paradigmMatteo Carbone
The benefits of telematics data for handling claims are significant and can be divided into three main categories: a proactive approach, objective information and loss prevention and mitigation
The think tank focused on Connected Insurance, the first InsurTech trend able to scale up. We are addressing the business opportunities on auto telematics, other personal lines (connected health, connected life, connected home) and commercial lines
How to transform an old fashioned Insurer into a Carrier like Oscar, fast and at low cost. Healthfront: a killer application for connected health insurance based on three strategic pillars.
Connected cars and insurance claims - a new paradigmMatteo Carbone
The benefits of telematics data for handling claims are significant and can be divided into three main categories: a proactive approach, objective information and loss prevention and mitigation
The think tank focused on Connected Insurance, the first InsurTech trend able to scale up. We are addressing the business opportunities on auto telematics, other personal lines (connected health, connected life, connected home) and commercial lines
Connected Wellness: Livening-up Life Insurance InfographicAccenture Insurance
Evolve the life insurance value proposition from compensation to wellness to drive relevancy and growth.
Read more: https://www.accenture.com/ca-en/insight-livening-up-life-insurance
The “MyShares” App is a must have for shareholders, IR departments and consultancy firms of publicly listed companies across Europe and the US.
Browse through anytime the latest key corporate documents relating to the Annual / Extraordinary general meeting of listed companies across main indices.
The Myshares App has already received very positive press exposure from Reuters, IR Magazine, Web accounting and Acquisition international.
Main features available are:
- Coverage of over 1700 companies eligible for index inclusion on the London Stock Exchange main market, major European indexes and the US Govdex encompassing top US companies.
- Users receive free push notification on ALL SELECTED meetings
- Company description, type of meeting, meeting agenda, date, time & place with relative map
- Fundamental AGM/EGM information fed in real time with the option of creating favorites and select/deselect capability
- Dividend payment data and calculator
Supplementary features:
- Contentious item analysis for UK companies performed by Manifest “the proxy voting agency” an independent corporate governance and proxy voting specialist. Manifest is the first service in the UK to provide straight-through electronic voting and integrated governance research tools to professional investors and when it comes to consistently high standards of service, Manifest's systems are renowned industry-wide.
- Proxy reports for the US companies performed by ProxyTell, Helping stakeholders build better companies through better governance. ProxyTell' philosophy is one of helping stakeholders to understand the long term risk and performance drivers of publically traded corporations. Good corporate governance creates a "Win-Win" for shareholders, management, directors, employees and society at large
N/b
As a user of the App you may use of all the Apps key functionalities for one index completely free of any charge.
Should you wish to access further indexes you will be asked to buy credits by paying a very small fee within the in-app purchasing system.
As developers, owners and responsible for maintaining a seamless product we continuously endeavor to ensure that all the information contained within the App is accurate.
Should you become aware of any abnormalities, please forward a message through the App message service in the support function and we will resolve any issues immediately.
For IOS https://itunes.apple.com/it/app/myshares-2013-uk/id632714032?l=en&mt=8
For Android https://play.google.com/store/apps/details?id=com.proxycensus.mysharesUK&feature=search_result#?t=W251bGwsMSwyLDEsImNvbS5wcm94eWNlbnN1cy5teXNoYXJlc1VLIl0
Thank you!
The Myshares Team
InsurTech trends: Connected Insurance as the most relevant one considering TAM and maturity level. It has already shown adoption and material impacts in some markets.
The Quality Payment Program offers a physician a choice of two paths for reimbursement:
The Merit-based Incentive Payment System (MIPS) Alternative payment models (APMs) which are further segregated into -Advanced and Non Advanced kinds.
mHealth Israel_Levi Shapiro_Israel Digital Health Overview Levi Shapiro
Overview of digital health investment sector, including investment, funding and exit trends in the US and Israel, as well as successful case studies of eHealth companies in the US and Israel
Internet of Things: Opportunities and ArchitecturesMarc Mercuri
The cloud introduces a number of new opportunities for device manufacturers of all types - from tablets to televisions to thermostats to cars to pumps to pipelines and windmills. This session will review real world customer scenarios. Areas essential to deriving value from investments in the SharePoint platform and services area
A revolution called_interoperability_and_integration_in_healthcarehealthitech
Check out how Information Technology can help in Healthcare and advantages of Integration & Interoperability in Healthcare.#PatientPortalSoftwareDevelopment
Insurance companies are required to develop intelligent platforms that cover various stages of contract capabilities. This can enable them with comprehensive setup of the process as well as avoiding biases in authoring, approvals, negotiations, and other insurance contracts.
The healthcare reform law will have far-reaching impacts in areas of
Coverage
Insurance Reform
Insurance Mandates
Health Insurance Exchanges
Get the FACTS here a MUST see POWER POINT
“In 2017, we can observe the Healthcare industry has become further advanced, by enabling communications across different channels and technologies.”
visit our page on linkedin page : http://bit.ly/2cgEm9x
Visit our website @: http://bit.ly/2dARnY8
(OR) Write us for free demo and estimation at: info@custom-soft.com
When you think of the healthcare industry, you may picture doctors and nurses buzzing through hospital hallways, but there’s a lot more to it than that. The back-office functions that keep the healthcare industry running 24/7 are a critical component to their success. Because many healthcare organizations don’t have the resources to keep all of those essential employees on staff, many have turned to outsource.
Private Health Insurance Exchange for ProvidersHealthPocket
Hospitals, clinics and doctors, don’t lose patients due to changes in insurance. Make sure your patients can find health plans you accept.
One of the biggest problems patients face is finding a cost-effective plan that allows them to get the medical care they need from the team they want. Hospitals and clinics to solve this problem for their patients with HealthPocket Private Exchange.
Configure and brand Private Exchange for your hospital or clinic. This free resource can be embedded in your patient portals to ensure patients choose a health plan that lets them get care from your hospital.
The connected world brings many opportunities to healthcare, the question is how do we unlock them?
With the increase in chronic health conditions, and pressure on health services - driven by ageing populations and post-recessionary healthcare budgets - there has never been a better time to leverage the benefits of connected technology.
But with so many possibilities open to healthcare businesses across hardware devices, software applications and operating systems, it’s difficult to know where to focus to create the most value.
This paper highlights the opportunity and details the principles and journey to unlock it.
As well synthesized by Meg Whitman (CEO at Hewlett-Packard) “we’re now living in an Idea Economy, where the ability to turn an idea into a new product or service has never been easier”. This impact is pervasive on all industries, any company has to achieve enough agility to respond to market opportunities and threats and quickly turn ideas into reality.
For some years now, the “digital”-driven projects have become a priority for all the Insurance Groups. Let me add that here the term “digital” refers to several important aspects starting with a digitalized customer experience, which is completed by digital/technological processes aimed at improving the relationship with the clients and with the mid-term objective of maximizing the single client’s profitability.
Insurers are beginning - and those who are not doing so should start – to give serious thought to how they can build their strategy to incorporate the IoT into the insurance value chain.
The Internet of Things (IoT) is “the interconnection via the Internet of computing devices embedded in everyday objects, enabling them to send and receive data.” The most important factor in the IoT “equation” is the data – which is the main element providing value to the insurance company if harvested and analyzed in an adequate manner. In product development there should be a data collection & analysis approach embedded in the business model itself, otherwise the strategy will lack in bringing the desired added value. Having a “data mindset” in all the stages of the business will ensure that the implemented model will have the capacity to gather and analyze the high quantity of data provided by the interconnected devices and environments.
As Matteo Carbone who is an expert in the field says in his article, ultimately telematics is the integrated use of informatics and telecommunications; it is about registering, storing and analyzing data via telecommunication devices.
“Telematics could be one of the most relevant digital innovations in the insurance industry directly impacting the technical results. Due to the pervasive diffusion of the Internet of Everything, this approach could be extended from motor insurance to other insurance businesses.”
Connected Wellness: Livening-up Life Insurance InfographicAccenture Insurance
Evolve the life insurance value proposition from compensation to wellness to drive relevancy and growth.
Read more: https://www.accenture.com/ca-en/insight-livening-up-life-insurance
The “MyShares” App is a must have for shareholders, IR departments and consultancy firms of publicly listed companies across Europe and the US.
Browse through anytime the latest key corporate documents relating to the Annual / Extraordinary general meeting of listed companies across main indices.
The Myshares App has already received very positive press exposure from Reuters, IR Magazine, Web accounting and Acquisition international.
Main features available are:
- Coverage of over 1700 companies eligible for index inclusion on the London Stock Exchange main market, major European indexes and the US Govdex encompassing top US companies.
- Users receive free push notification on ALL SELECTED meetings
- Company description, type of meeting, meeting agenda, date, time & place with relative map
- Fundamental AGM/EGM information fed in real time with the option of creating favorites and select/deselect capability
- Dividend payment data and calculator
Supplementary features:
- Contentious item analysis for UK companies performed by Manifest “the proxy voting agency” an independent corporate governance and proxy voting specialist. Manifest is the first service in the UK to provide straight-through electronic voting and integrated governance research tools to professional investors and when it comes to consistently high standards of service, Manifest's systems are renowned industry-wide.
- Proxy reports for the US companies performed by ProxyTell, Helping stakeholders build better companies through better governance. ProxyTell' philosophy is one of helping stakeholders to understand the long term risk and performance drivers of publically traded corporations. Good corporate governance creates a "Win-Win" for shareholders, management, directors, employees and society at large
N/b
As a user of the App you may use of all the Apps key functionalities for one index completely free of any charge.
Should you wish to access further indexes you will be asked to buy credits by paying a very small fee within the in-app purchasing system.
As developers, owners and responsible for maintaining a seamless product we continuously endeavor to ensure that all the information contained within the App is accurate.
Should you become aware of any abnormalities, please forward a message through the App message service in the support function and we will resolve any issues immediately.
For IOS https://itunes.apple.com/it/app/myshares-2013-uk/id632714032?l=en&mt=8
For Android https://play.google.com/store/apps/details?id=com.proxycensus.mysharesUK&feature=search_result#?t=W251bGwsMSwyLDEsImNvbS5wcm94eWNlbnN1cy5teXNoYXJlc1VLIl0
Thank you!
The Myshares Team
InsurTech trends: Connected Insurance as the most relevant one considering TAM and maturity level. It has already shown adoption and material impacts in some markets.
The Quality Payment Program offers a physician a choice of two paths for reimbursement:
The Merit-based Incentive Payment System (MIPS) Alternative payment models (APMs) which are further segregated into -Advanced and Non Advanced kinds.
mHealth Israel_Levi Shapiro_Israel Digital Health Overview Levi Shapiro
Overview of digital health investment sector, including investment, funding and exit trends in the US and Israel, as well as successful case studies of eHealth companies in the US and Israel
Internet of Things: Opportunities and ArchitecturesMarc Mercuri
The cloud introduces a number of new opportunities for device manufacturers of all types - from tablets to televisions to thermostats to cars to pumps to pipelines and windmills. This session will review real world customer scenarios. Areas essential to deriving value from investments in the SharePoint platform and services area
A revolution called_interoperability_and_integration_in_healthcarehealthitech
Check out how Information Technology can help in Healthcare and advantages of Integration & Interoperability in Healthcare.#PatientPortalSoftwareDevelopment
Insurance companies are required to develop intelligent platforms that cover various stages of contract capabilities. This can enable them with comprehensive setup of the process as well as avoiding biases in authoring, approvals, negotiations, and other insurance contracts.
The healthcare reform law will have far-reaching impacts in areas of
Coverage
Insurance Reform
Insurance Mandates
Health Insurance Exchanges
Get the FACTS here a MUST see POWER POINT
“In 2017, we can observe the Healthcare industry has become further advanced, by enabling communications across different channels and technologies.”
visit our page on linkedin page : http://bit.ly/2cgEm9x
Visit our website @: http://bit.ly/2dARnY8
(OR) Write us for free demo and estimation at: info@custom-soft.com
When you think of the healthcare industry, you may picture doctors and nurses buzzing through hospital hallways, but there’s a lot more to it than that. The back-office functions that keep the healthcare industry running 24/7 are a critical component to their success. Because many healthcare organizations don’t have the resources to keep all of those essential employees on staff, many have turned to outsource.
Private Health Insurance Exchange for ProvidersHealthPocket
Hospitals, clinics and doctors, don’t lose patients due to changes in insurance. Make sure your patients can find health plans you accept.
One of the biggest problems patients face is finding a cost-effective plan that allows them to get the medical care they need from the team they want. Hospitals and clinics to solve this problem for their patients with HealthPocket Private Exchange.
Configure and brand Private Exchange for your hospital or clinic. This free resource can be embedded in your patient portals to ensure patients choose a health plan that lets them get care from your hospital.
The connected world brings many opportunities to healthcare, the question is how do we unlock them?
With the increase in chronic health conditions, and pressure on health services - driven by ageing populations and post-recessionary healthcare budgets - there has never been a better time to leverage the benefits of connected technology.
But with so many possibilities open to healthcare businesses across hardware devices, software applications and operating systems, it’s difficult to know where to focus to create the most value.
This paper highlights the opportunity and details the principles and journey to unlock it.
As well synthesized by Meg Whitman (CEO at Hewlett-Packard) “we’re now living in an Idea Economy, where the ability to turn an idea into a new product or service has never been easier”. This impact is pervasive on all industries, any company has to achieve enough agility to respond to market opportunities and threats and quickly turn ideas into reality.
For some years now, the “digital”-driven projects have become a priority for all the Insurance Groups. Let me add that here the term “digital” refers to several important aspects starting with a digitalized customer experience, which is completed by digital/technological processes aimed at improving the relationship with the clients and with the mid-term objective of maximizing the single client’s profitability.
Insurers are beginning - and those who are not doing so should start – to give serious thought to how they can build their strategy to incorporate the IoT into the insurance value chain.
The Internet of Things (IoT) is “the interconnection via the Internet of computing devices embedded in everyday objects, enabling them to send and receive data.” The most important factor in the IoT “equation” is the data – which is the main element providing value to the insurance company if harvested and analyzed in an adequate manner. In product development there should be a data collection & analysis approach embedded in the business model itself, otherwise the strategy will lack in bringing the desired added value. Having a “data mindset” in all the stages of the business will ensure that the implemented model will have the capacity to gather and analyze the high quantity of data provided by the interconnected devices and environments.
As Matteo Carbone who is an expert in the field says in his article, ultimately telematics is the integrated use of informatics and telecommunications; it is about registering, storing and analyzing data via telecommunication devices.
“Telematics could be one of the most relevant digital innovations in the insurance industry directly impacting the technical results. Due to the pervasive diffusion of the Internet of Everything, this approach could be extended from motor insurance to other insurance businesses.”
Top 5 Consumer Expectations in the Insurance Industry - InvensisInvensis
Read what Consumers want from their Insurers (http://goo.gl/wJxHKE) and how outsourcing can help insurers to satisfy customers in the insurance industry. Top Five Consumer Expectations in the Insurance Industry which will help to keep insurance companies agile and efficient, and make them ready to meet the changing demands of their patrons.
Invensis Technologies (http://www.invensis.net) a leading IT BPO company with more than 14 years of experience, specializes in providing customer care, document process automation and IT services to insurance industries which helps insurance companies enable to leverage the new opportunities.
Please contact us at sales {at} invensis {dot} net OR Call us Now from US +1 (302)- 261-9036, UK +44 203 411 0183, AUS +61 3 8820 5183, IND +91 80 41155233 or browse (http://goo.gl/xmCoeO) for more details on our services.
Catching the Consumer Data Wave: A New Opportunity in the Insurance EcosystemCognizant
With the profusion of insurance consumer data coming online, the role of data intermediaries is emerging as a key player in the insurance ecosystem. Insurance distributors are especially well-suited to take the lead in analyzing leveraging user data and sharing insights to drive innovative product offerings and growth.
Harnessing the data exhaust stream: Changing the way the insurance game is pl...Accenture Insurance
Vast new data streams create opportunities for insurers to identify and act upon hidden insights, but they also open the door for new business models and competitors.
Data-driven insights make it possible to create new products and new revenue streams, typically in partnership with players from outside the industry.
Harnessing external data is a complex undertaking, but insurers can start by developing a comprehensive plan and then undertaking specific, high-return initiatives that build momentum and help transform the enterprise into a winning competitor in the new digital arena.
Harnessing the data exhaust stream: Changing the way the insurance game is pl...Accenture Insurance
Learn how external insurance data and analytics is changing everything, from pricing risk to interacting with customers. Read more: https://www.accenture.com/us-en/insight-harnessing-external-data-stream
The Singapore FinTech Consortium - Introduction to InsurTechFinTech Consortium
When you hear of “insurance”, the words “innovation” and “technology” would not come to mind intuitively – but they should now. At this day and age, insurance technology has the potential to affect nearly every essential insurance function, ranging from distribution methods to actuarial number crunching. InsurTech is now being implemented across every stage of the insurance value chain.
InsurTech 2016 Conference is a global gathering of the world's leading thinkers and doers in Insurance innovations and technology. It's a gathering of the planet's businesses, large and small, who are being impacted by new innovations to want to meet the demands of the insurance market.
This year, over 300 attendees will make the trip from all corners of the globe to hear from 80 industry thought leaders who will deliver the knowledge you're looking for to succeed in this arena.
InsurTech 2016 will assure that you meet the top insurance and technology professionals - leading 22 interactive and insightful sessions across all the insurtech spectrum, including:
Digital distribution channel
Blockchain
Data Analytics
Wealth Management
IoT & Telematics
Auto Tech
Health Tech & Wearables
Book your delegate ticket now for additional 15% Discount @ http://bit.ly/2bmXVxG
Modernizing the Insurance Value Chain: Top Three Digital ImperativesCognizant
As nontraditional companies enter the insurance scene and insurtechs launch novel products, incumbents need to accelerate innovation and differentiate the customer journey to remain in the game. Here are three strategies to achieve these goals, with a brief look at a few companies well on their way.
Motor insurance telematics - Five value creation leversMatteo Carbone
The telematics business evolution - from a niche Underwriting solution focused on younger and low-mileage drivers to a mainstream solution broadly applied on motor portfolios – require the creation of an integrated approach based all the five levers previously described. This approach have the potential to be a real game changer in the motor insurance business.
Open Insurance - Unlocking Ecosystem Opportunities For Tomorrow’s Insurance I...Accenture Insurance
For early adopters, open insurance offers new revenue streams, increased customer engagement and continued market relevance.
Learn more: https://www.accenture.com/us-en/insights/insurance/open-insurance
Open Insurance - Unlocking Ecosystem Opportunities For Tomorrow’s Insurance I...Accenture Insurance
For early adopters, open insurance offers new revenue streams, increased customer engagement and continued market relevance.
Learn more: https://www.accenture.com/us-en/insights/insurance/open-insurance
Fixing the Insurance Industry: How Big Data can Transform Customer SatisfactionCapgemini
Insurers are facing a moment of truth. Customer satisfaction levels have hit worryingly low levels. According to a survey conducted by Capgemini in 2014, less than a third of customers globally are satisfied with the services of their insurance providers. Traditional insurers also face competition from new entrants who are determined to meet customer expectations. Non-traditional competitors, such as ecommerce majors and technology startups, are leveraging their data-rich customer interactions to create and sell insurance products.
Surprisingly, insurers seem to have overlooked the impact of Big Data on improving customer experience as they often focus their Big Data efforts on detecting fraudulent claims and improving underwriting profitability. In fact, only 12% of insurers consider the enhancement of customer experience as a top Big Data priority. This is startling given the poor levels of customer satisfaction in the insurance industry. In this research, we examine how insurers can effectively leverage customer data to improve customer satisfaction.
Insurance Cloud: From Tactical to Strategic Investment for European InsurersAccenture Insurance
Insurance companies have been relatively cautious about cloud adoption. However, the conversation among insurers has changed in the last few years, moving to “when and how” rather than “why.” Several factors are driving today’s insurance companies to move their applications and data into the cloud as they reassess their business opportunities. Learn more:
Similar to Health Insurance - Telematics Opportunity (20)
Insurers' journeys to build a mastery in the IoT usageMatteo Carbone
Insurance IoT is a social good!
Because:
🔵 Expected losses can be reduced structured programs with both real-time mitigation actions to solve a specific situation, and behavioral change mechanisms to promote safer behaviors (both in personal and commercial lines)
🔵 Rate can be matched to risks better:
- Smaller and more accurate pricing clusters allow a large part of profiles to receive a lower rate
- Even with the ability to price the individual probability of loss (cluster of one) the insurance foundation isn’t canceled (The risk of each policy will contribute to the expected losses of the portfolio; The premiums paid by many lucky policyholders will be used to pay the claims of the few unlucky policyholders who had an accident in a period of coverage)
🔵 IoT data can be used to increase the effectiveness and efficiency of the claim process, so improving the combined ratio ceteris paribus
⏩ Large part of the policyholders will pay less (and portfolios currently difficult to insure will become more insurable)
Insurance IoT (and telematics) is not about providing a discount
Insurance IoT (and telematics) is about creating economic value using the data and sharing part of this value with policyholders (and agents & brokers)
An integrated holistic adoption of the IoT paradigm is a game changer for your insurance business and a social good:
◾ it allows to improve the availability and affordability of insurance coverages
◾while allowing the sector to write a profitable business
Below you can enjoy a selection of best practices in both personal and commercial lines - written with some of the IoT Insurance Observatory members - that have already started to obtain results from their IoT business transformation journeys
IoT is a game changer for many insurance activity. An increasing number of success stories are emerging at a global level. The IoT Insurance Observatory is committed to support a profitable usage of IoT in the Insurance sector
More Than an Observer - Carbone Still Igniting Industry’s IoT PassionMatteo Carbone
Insurance IoT Observatory is a seven-year-old think tank specialized on the insurance IoT with the participation of top executives from the most relevant Insurers, Reinsurers, and Tech players in the IoT insurance arena
The Observatory is about connecting people and ideas in order to spread the innovation culture throughout the insurance market with three concrete outcomes:
- a global multiclient research on the insurance IoT paradigm
- one-to-one workshops to each member
- plenary symposiums with all the members
The Observatory engage constantly hundreds of key executives involved in the IoT programs within the members of the think tank (including 3 of the top five European insurers, 5 of the top ten US P&C insurers, 2 of the top three Japanese insurers, the largest Australian insure, one of the top two Brasilian insurers and 3 of the top six global reinsurers).
Some figures about our seven editions:
- 2920 hours of one-to-one workshops over the five annual editions of the Observatory
- 34 plenary symposiums between North America and Europe
-7 international publications
The State Farm Vision - Ecosystem Capabilities for the Insurer of the Future.pdfMatteo Carbone
State Farm's vision about the platform play and the smart home strategy is a fundamental area for any personal line insurance carrier in the future. IoT is a necessary capability, not a nice to have!
Global insurance think-tank, which has put together executives from more than 50 insurance groups, Institutions and the Internet of Things ecosystem, to discuss the great potential of the most mature Insurtech trend, as well as the challenges it poses to the insurance business. The focus is on any insurance solution based on sensors for collecting data on the state of an insured risk and telematics for remote transmission and management of the data collected.
The Observatory generates and promotes innovation in the insurance sector: representing the cutting edge of global innovation; offering a strategic vision to exploit the insurance IoT full potential; stimulating research and debate between the participants.
The seven annual Observatory editions in figures:
- 2738 hours of one-to-one workshops
- 32 plenary symposiums between North America and Europe
- 87 insurance companies (including 4 of the top 5 Reinsurers, 11 of the top 15 European Insurance Groups, and 10 of the top 15 US P&C Insurance Groups)
- 51 tech players and vendors
𝗬𝗼𝘂𝗿 𝗽𝗼𝗹𝗶𝗰𝘆𝗵𝗼𝗹𝗱𝗲𝗿𝘀 𝗮𝗿𝗲 𝗿𝗲𝗮𝗱𝘆 𝗳𝗼𝗿 𝘁𝗲𝗹𝗲𝗺𝗮𝘁𝗶𝗰𝘀‼️
...𝗮𝗿𝗲 𝘆𝗼𝘂 𝘁𝗼𝗼❓
https://www.linkedin.com/posts/matteocarbone_telematics-readiness-activity-7024698841979400192-BGYc?utm_source=share&utm_medium=member_desktop
results of the survey done by Swiss Re and IoT Insurance Observatory on 10000 policyholders.
The telematics sponsors are people who are likely or very likely to recommend a telematics motor insurance app to a friend. This cluster is equally comprised of men and women and includes mostly millennials (23–41 years old) and people in Generation X (42–57 years old). They love driving and walking, but they don't shy away from using public transport. Telematics sponsors represent 54% of our sample.
The IoT Insurance Observatory mission is to promote a profitable IoT adoption in the insurance sector.
The six annual editions have aggregated more than 130 organizations.
Tech players and Insurance companies, including:
* 4 of the top 5 Reinsurers
* 11 of the top 15 European Insurance Groups
* 10 of the top 15 US P&C Insurance Groups
IoT Insurance Observatory is a six-year-old think tank specialized on the insurance IoT with the participation of top executives from the most relevant Insurers, Reinsurers, and Tech players in the IoT and telematics insurance arena
The think tank membership provides access to the most globally relevant insurance IoT knowledge, and its goal is to promote a profitable IoT adoption in the insurance industry.
From Risk Transfer to Risk Prevention - How the Internet of Things is Reshapi...Matteo Carbone
The Geneva Association and the Insurance IoT Observatory looked at the transformation of traditional insurance risk transfer to technology-driven risk mitigation and prevention services.
Risk prevention is an IoT-based uses case able to create a positive impact to all the stakeholders: avoiding the accidents to the policyholders, improving the insurance bottom line, and generating positive externalities to the society
A (false) myth I have heard frequently at conferences is that insurers are not yet able to use IoT data to take smart actions
Instead, there are different success stories about-based risk prevention in different insurance business lines bit.ly/RiskPreventionPaper
One of the best practices in changing driver behaviors is Discovery Limited
Having seen the early steps of this approach, since it’s launch on 1 June 2011, and the journey over the following years, I’ve been always impressed by their innovation journey
Each annual product review has been a thought-provoking presentation: I consider myself extremely luck for this opportunity to learn directly from Anton and Francois and all the team
#Insurtech case histories are frequently fascinating storytelling and make people feel self-satisfied, instead in this paper you will find facts and figures about prevented accidents and profitable auto #insurance portfolios
I love this #telematics story...concrete and fact based!
The world is now hyperconnected. Insurance of the future will use data to enhance customer experiences, impact core insurance processes, create new knowledge and improve sustainability. There are already pioneers in this space, and their stories demonstrate the powerful and increasing role of IoT data in better risk prevention
A new insurance paradigm for the hyperconnected worldMatteo Carbone
IoT adoption is a strategic choice that requires a multi-year commitment to develop the specialistic insurance IoT competencies and the leadership competencies needed to transform the way business is currently being done.
Although IoT has not yet been systematically addressed by the large majority of insurers, several early adopters have already concretely demonstrated the potential of using this technology in the insurance sector.
These successful player journeys show IoT’s extraordinary potential to generate value for insurers, policyholders, and even the entire society.
Insurance IoT is a new way of thinking about the activity of assessing, managing, and transferring risks. This new way of thinking for the insurance business fits with a world that is going to be more and more hyperconnected, a trend that insurers can neither stop or ignore.
The IoT Insurance Observatory is a four year old think tank specialized in insurance IoT
The Observatory generates and promotes innovation in the insurance sector: representing the cutting edge of global innovation; offering a strategic vision to exploit the insurance IoT full potential; stimulating research and debate between the participants.
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
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
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
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
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.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
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.
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.
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.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
1. Health insurance - Telematics
opportunity
Telematics finally is an integrated use of informatics and telecommunication, it is about capturing,
storing and analyzing data via telecommunication devices. As analyzed in my previous article
“Motor insurance telematics - Five value creation levers”, Telematics could be one of the most
relevant digital innovation in the insurance industry directly impacting the technical results. Due to
the pervasive diffusion of the Internet of Everything this approach could be extended from motor
insurance to other insurance businesses.
Insurance Companies have the concrete opportunity to integrate their insurance value propositions
with the use of the information coming from sensors. These sensors could monitor behaviors, status
and context influencing the risk covered by the insurance policy.
I consider health insurance as one of the most interesting areas of adoption, where there is the
opportunity to generate more value for Insurers and clients. As identified for motor insurance, also
in the health insurance business it is possible isolate 5 value creation levers:
1. Risk selection, enhancing the underwriting phase with a temporary monitoring based on
dedicated devices;
2. Pricing risk based, developing insurance policies with pricing tailored to client behaviors;
3. Value added services, developing client tailored ancillary services that allow the Insurer to
play as an omni-channel medical concierge;
4. Loss control, developing a broad approach to mitigate claims:
• developing "early warnings" system capable of anticipating more expensive claims,
• adopting e-health and m-health approach that are able to reduce health-care costs,
• improving reimburse valuation;
5. Loyalty and behaviors modification programs, leading the client toward riskless
behaviors.
Health Insurer could innovate its strategic position exploiting the full potential of telematics,
activating a virtuous circle where the Company could offer in a profitable way better and more
affordable value propositions to less risky clients. To adopt this approach the Insurance Company
needs to move from the “payer role” to the “pivot role” within the health ecosystem, partnering both
with innovative technology players and medical providers.