The Current InsurTech Landscape: Business Models and Disruptive Potential
“Two aspects stand out in this regard. First, although the vast majority of activities still focuses on the distribution part of the industry ecosystem , full-stack InsurTech risk carriers are starting to become more commonplace. Second, we observe hardly any real game-changing business model innovations yet, as many existing startups are essentially pepping up the classical industry approaches with the patterns “e-commerce” or “digitization” as defined in the St. Gallen Business Model Navigator.”
Alexander Braun / Florian Schreiber, The Current InsurTech Landscape“ (S.141), HSG St. Gallen, Swiss Re, 2017