Insurance – Challenges to the Business Model

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This paper begins with a brief overview of elements of a ‘traditional’ insurance business that are open to challenge. A stylised insurance value chain provides the framework for a discussion of how the forces at play are impacting the incumbents. The paper concludes by speculating about the form, or forms, of the insurance business model of the future.


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This paper was presented in July 2017 at the 22nd Melbourne Money and Finance Conference (MMFC), which explored the theme: Evolutionary Trends in the Australian Financial Sector.

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