• Insurance Penetration

    Posted in InsurTech blog, MicroInsurance blog on Aug 05, 2019


    Studies have proven that high insurance penetration significantly reduces or even balances out the negative effects of catastrophic events economically. The positive economic effect of risk transfer is thus particularly strong in emerging economies. What use case is there for this and what can insurance companies do to help drive higher insurance adoption rates?

  • pre-money valuations

    Posted in Blog on Aug 03, 2019


    I was at an investor pitch meeting the other day and was asked about the valuation of a company. How to justify a X multiple of revenue. Truth is startups are generally just starting to get revenue from parts of the business, but there is so much more potential. At the time I did not have a good answer. This is about the answer I have now....

  • Audio books for AI and Dark Web

    Posted in Blog, Cyber Insurance blog, InsurTech blog on Jul 16, 2019


    I do find it hard to keep up with my reading. I have found, along with many other people, that listening to books and audio files is a great way to keep up. Here is a recommendation for fans of AI and Cyber Crime....

  • Insurance and the Sharing Economy

    Posted in InsurTech blog, MicroInsurance blog, Sharing economy on Jul 08, 2019


    The sharing economy is growing up fast, message is that the growth will reach or surpass PwC’s projections which show that five key sharing sectors—travel, car sharing, finance, staffing, and music and video streaming — have the potential to increase global revenues from roughly $15 billion in 2015 to around $335 billion by 2025. Massive growth.

  • Augmented, the new AI?

    Posted in InsurTech blog, MicroInsurance blog, Sharing economy on Jun 16, 2019


    Is Artificial Intelligence (AI) taking over everything? Do we have to fear or welcome this new AI tech? Is the reality that AI Augmentation more deliverable and welcoming?

  • Lessons from Amazon

    Posted in InsurTech blog, MicroInsurance blog on Jun 15, 2019


    In the USA and China an increasing number of tech companies are bringing more in house. Is this the lesson for Insurance? In-source not Outsource? Is this a path for a digital insurer.

  • Hurricane Season & Global Warming

    Posted in MicroInsurance blog on Jun 07, 2019


    June is the start of the hurricane season, the world is warming up and yet it is predicted as a 'normal' season. Also what are these stripes all about....?

  • What is AI to Insurance?

    Posted in InsurTech blog on Jun 06, 2019


    What does it take to be a Digital Insurer? Well one of the basics is to have a deep and a sound understanding of Machine Learning (ML) and Artificial Intelligence (AI) with the capabilities to actually develop these for 'insurance' case studies.

  • Uber - new opportunity or just an algorithm

    Posted in InsurTech blog, Sharing economy on Jun 03, 2019


    Computer Vision is becoming the central tech behind insurance claims processing. The ability to process claims and rely on algorithms is at the core of this. How is this different to the platform businesses of the GIG economy? Not much it seems as the workers and the platforms are all driven by the algorithm too it seems.

  • Community Insurance

    Posted in Global Network Blog, MicroInsurance blog, Sharing economy on May 29, 2019


    The first methods of providing a form of insurance can be found in Chinese and Babylonian history from the 3rd and 2nd millennia BC. Chinese merchants traveling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The Babylonians developed a system where a merchant received a loan to fund his shipment, he would pay the lender an additional sum in exchange for the lender's guarantee to cancel the loan should the shipment be stolen or lost at sea. These were systems built around communities sharing in hazardous activities. The idea of insurance and community support seems to be lost to the current insurance industry.......