#readyfortomorrow .10 | FEB2018

ZhongAn launches big data platform for vehicle sector

ZhongAn Online Property and Casualty Insurance, China's first online only insurer, has unveiled its big data platform called Data Cube, as part of its effort to create a big data ecosystem in the industry and serve its vehicle-sector partners by sharing data with other insurers

The New Science of Customer Emotions

When companies connect with customers’ emotions, the payoff can be huge. Consider these examples: After a major bank introduced a credit card for Millennials that was designed to inspire emotional connection, use among the segment increased by 70% and new account growth rose by 40%. Within a year of launching products and messaging to maximize emotional connection, a leading household cleaner turned market share losses into double-digit growth. And when a nationwide apparel retailer reoriented its merchandising and customer experience to its most emotionally connected customer segments, same-store sales growth accelerated more than threefold

How Businesses Can Best Use Content Marketing to Generate Leads

New research on B2B companies highlights an effective way to bridge the gap between sales and marketing

How Europe’s Largest Insurance Company Is Reinventing Its Healthcare Strategy

How AXA's "payer-to-partner" health strategy has evolved through investments, partnerships, and M&A

Most Innovative Companies 2018

At leading innovators, R&D and new-product development have become digital endeavors. Eleven of the fifty companies named in BCG’s 2018 ranking of the most innovative companies—including seven of the top ten—are digital natives and thus digital innovators by definition

Swarm Intelligence

Unanimous A.I. was challenged by Newsweek to predict the 2016 Oscars. Using the UNU swarm intelligence platform to amplify the insights of 50 randomly selected movie fans, Unanimous correctly predicted 76% of the awards, out-performing the vast majority of professional movie critics, including the LA Times, Rolling Stone, and FiveThirtyEight

Next Generation Data

Social media and online data gives P&C insurers powerful information previously unavailable to enhance pricing, underwriting, payment plan offerings, and numerous additional areas




#readyfortomorrow .09 | JAN2018

Leadership to Unleash Human Potential

Dreams and Details – in this excerpt from Jim Hagemann Snabe’s keynote at Presidents Summit, he explains the framework he uses in his daily work. Essentially, it is about having a vision or a dream – extremely ambitious, but attainable in its nature. It acts as a beacon for the organization and it is the purpose and the goal the employees sign up for. ”Details” is the daily practice that supports those goals. All the single initiatives, that move you closer to the dream

Chatbot: The intelligent banking assistant

The only area where human interaction has had a lead over technology is the personal touch during a conversation, especially in the case of relationship-based interactions. However, with all major innovators, including technology giants,1 putting their weight behind technology that provides human-like conversation experiences, even that edge seems to be diminishing

Amazon’s AI-powered grocery store is opening to the public

The futuristic store doesn’t have cashiers or self-checkout machines; instead a customer scans a code on the Amazon Go app to enter, and then is tracked around the store as they pick up items

Machines Teaching Each Other Could Be the Biggest Exponential Trend in AI

“The easier it is to communicate, the faster change happens.” – James Burke, Science Historian

Workplace success through robotic process automation

The latest office recruit taking over routine tasks is not a sci-fi metal robot with menacing limbs, instead it’s a computer software program capable of machine-learning

4 Digital Transformation Health Checks For Your Business

Before you begin, conduct an organizational ‘health check’

Japan:Online shopping company buys insurer

Rakuten will look to develop original insurance products using customer data it has accumulated through e-commerce operations, the company said




#readyfortomorrow .08 | JAN2018

How a Machine That Can Make Anything Would Change Everything

“This will destroy the current social, economic, and political system, because it will become pointless…every institution, every value system, every aspect of our lives have been governed by scarcity: the problem of distributing a finite amount of stuff. There will be no need for any of the social institutions.”

Driverless Cars Will Change Auto Insurance. Here’s How Insurers Can Adapt

There is little doubt that the widespread adoption of autonomous vehicles will have a huge impact on the automobile insurance industry. Research and computer modelingconducted by Accenture in collaboration with the Stevens Institute of Technology indicates that as many as 23 million fully autonomous vehicles will be traveling U.S. highways by 2035 (out of about 250 million total cars and trucks registered in the U.S.)

Infographic: What It Takes to Stick to Your Resolutions, According to Science

The 10 most important digital themes of 2018

Cash will disappear and the robots are coming. The digital development is moving at lightning speed and digital upgrades are on the strategic agenda of more and more companies. And for a good reason

Why Artificial Intelligence Will Create More Jobs Than it Destroys

According to Gartner's 2017 hype cycle for emerging technologies, artificial intelligence (AI) will automate 1.8 million people out of work by 2020. While the job losses generate the most interest and headlines, the losses only tell part of the story. Dig a little bit deeper into the hype cycle and you'll see Gartner also predicts AI will create 2.3 million jobs by 2020, driving a net gain of 500,000 new jobs

10 Insurtech Game Changers

Insurtechs enable insurance carriers to innovate much faster than they do today. Their innovative solutions dramatically improve the primary process of insurance carriers; they take away the frictions that customers experience when dealing with an insurance firm

New Google Patent Could Turn Your Bathroom Mirror Into A Medical Device

"Optical sensors" embedded in everyday objects could assess cardiovascular function and help users improve heart health

18 Disruptive Technology Trends For 2018

Over the coming year, what will be the most important developments in disruptive technology?

Insured opens up for self-service APIs

We’ve completed yet another phase in our ongoing digital transformation project, so all our underwriting procedures and functions now are available for partners within our personal lines to use immediately. The interactive user guides with in-built test functionality lets partners call our API from their own websites and apps which enables them to offer our products and services directly




#readyfortomorrow .07 | DEC2017

Here's how the auto insurance industry can prepare for driverless cars

Research and computer modeling conducted by Accenture and the Stevens Institute of Technology projected that by the year 2035, as many as 23 million fully-autonomous vehicles will be travelling US highways, out of the roughly 250 million total cars and trucks registered in the country

ZEGO - insurance on demand

Zego offers flexible food and parcel delivery insurance at a comparable level to your underlying SD&P. Designed for part time drivers,

At least 47 cities around the world are piloting self-driving cars 

The idea of autonomous vehicles, or cars that drive themselves, has become so popular that almost four dozen cities around the world are experimenting with them


What we’re in essence looking at is a fantastic product with a proven international track record being introduced too late into a market that never really was prepared for it before it was rendered outdated. Seriously interesting times ahead of us…

Ping An’s Smart Insurance Cloud and an update of emerging Insurtech startups in China

The Smart Insurance Cloud includes two AI-based solutions called Smart Authentication and Smart Claim. These solutions have been used within Ping An Group and now they are opening up, offering the solutions to all the partners in insurance industry

No decision is too small for today's consumers

With a smartphone in hand, people can get the answers they need to make the right purchase decision anytime, anywhere. You can see this behavior clearly in search data—mobile searches for "best" and "reviews" have grown in the past two years

Investment prognosis for the insurance industry plus effects on the job market

How do Analytics and AI fit in?

The Top 10 Insurtech Trends of 2018

Invisible insurance and behavioural economics with a pinch of empathy: these are some of the trends of 2018

KASKO - InsurTech as a service

Think with Google’s 10 most-read articles of 2017




#readyfortomorrow .06 | DEC2017

Munich Re driving digital transformation

An extensive presentation on Munich Re's digital initiatives and capabilities - highly interesting

Click here to download (appx. 7MB)

Reactive Content Will Get to Know You Intimately—Then Tell You the Perfect Story

“As the storyteller begins, they must tune in to… the audience’s energy. Based on this energy, the storyteller will adjust their timing, their posture, their characterizations, and sometimes even the events of the story. There is a dialog between audience and storyteller.”

How to live to 105 [off-topic]

Simple rules from  Author/physician Shigeaki Hinohara (he died at 105)

What’s the Secret of Retail?

Richard Morris co-founder and partner of branding agency Whistlejacket explores the power of branding in the retail environment and explains why design is central to creating the cache of brands as diverse as hipper-than-thou fashion retailer Supreme, or Apple's iconic stores across the globe

Employees are customers too

Your colleagues are customers too, so these are the very people that disrupts your markets and driving profound changes in the way you need to create your future products and services. But internal disruption is not high on the management agenda

The Deep Learning Book

Machine Learning or Linguistic Rules: Two Approaches to Building a Chatbot

For a company that is trying to decide whether to use chatbots to serve customers, those questions matter

10 Chinese Companies Disrupting Business

Across the Pacific in China, there are a host of other powerful players that the Western world has seemingly overlooked. The Chinese tech scene is booming, but which are the most disruptive companies?


Literally hundreds from my network and from all over the world have asked me "how the war room looks" so I made a picture showing the structure and brief explanations describing the contents and purpose of the room




#readyfortomorrow .05 | NOV2017

Auto Insurance Customers Slow to Adopt Digital Claims Reporting

"U.S. auto insurers have invested heavily in technology that will help them gain efficiencies in claims handling, but there are still certain areas of the claims process where the human touch is proving difficult to replace"

Where machines could replace humans (interactive dashboard)!/vizhome/InternationalAutomation/WhereMachinesCanReplaceHumans

McKinsey analyzed the impact of automation across 54 countries covering 78% of the global labor market to assess the percentage of time spent on activities with the technical potential for automation by adapting currently demonstrated technology

Waymo has started testing self-driving cars with no one behind the wheel

Waymo, the self-driving car division of Alphabet, has begun testing its autonomous vehicles with no human sitting in the driver’s seat in Phoenix, Arizona

9 Big Community and Collaboration Platform Trends for 2018

Online community software had a big year in 2017, and it looks as if this trend will continue into 2018

Insurers beware, Amazon poised to disrupt UK insurance

No one can dispute the success of Amazon in the UK as a digital retailer, and many insurers have held it in high esteem as a company to emulate in terms of innovation and overall service proposition. But now Amazon poses a real threat to UK insurers

Becoming CEO

You’ve just become the chief executive officer of a big company. Now what do you do?

Three Clear Signs Your Digital Transformation Isn't Transformational

If you work for a company that’s more than 10 years old, changes are good that you are in the middle of a “digital transformation”. We put it in quotes for exactly the reasons you would expect: few companies actually know what a digital transformation looks like, and those that do often still can’t implement them



#readyfortomorrow .04 | NOV2017

DeepMind’s New AI Taught Itself to Be the World’s Greatest Go Player

DeepMind has unveiled a new version of the AlphaGo called AlphaGo Zero that outperforms the version that beat Sedol on every metric. In just three days and 4.9 million training games, it reached the same level that took its predecessor several months and 30 million training games to achieve

Amazon can now deliver straight into your living room

In the name of convenience, Amazon’s latest service for Prime members, Amazon Key, will let the company deliver packages or services directly into your living room—if you just install its smart lock on your front door and companion security camera inside your home

5 Companies Pushing the Boundaries of 3D Printing

A surge of investments in 3D printing as businesses benefit from the technology

QIC; the next chapter begins

This Thursday October 26th, 2017, another line of duties was added to my responsibilities so I'm now also holding the position as Executive Vice President, MENA Motor Claims for personal and corporate lines for the QIC Group

How militaries learn and adapt: An interview with Major General H. R. McMaster

An experienced combat commander and leading expert on training and doctrine assesses recent military history and its implications for the future

Tech Giants Race to Dominate Transportation

Alphabet & Softbank backing Lyft & Uber

Creating a DMZ between innovation and operations

It’s no news that there are tensions between a company’s business development / digital innovation and the day-to-day business operations. On one side, you have a team of enthusiasts focusing on the Big Next and on creating the digital future of the company – and on the other side, you have the operations focusing on delivering on financial targets and complying with regulations while providing excellent customer service daily



#readyfortomorrow .03 | OCT2017


Before you can create a strong feedback culture you have to consider if your workforce is ready for it. People may be receiving more and more feedback but may not have the tools to actually take in, absorb and use the feedback they receive effectively


It's not "like that" to disrupt an incumbent organization over night - but if you want your company to survive, you nevertheless has to begin - this is one way of doing it


With only a couple more months left of the year, Gartner is already looking ahead to the future. The organization announced its annual top strategic technology trends at the Gartner Symposium/ITxpo this week


A New York-based insurer, Lemonade set the world record in December 2016 for settling a claim in just three seconds by using its claims bot powered by artificial intelligence (AI) running 18 fraud algorithms


The supply chain will co-exist with brands and within ecosystems unconnected to insurance. Carriers will be irrelevant


WeChat and QQ, China’s most-used messaging apps that also have online payment capabilities, together have more than 900 million users. Such a massive platform will likely immediately boost the company’s internet finance portfolio


Potentially one-quarter of the entire US driving population might be better off using ride services versus owning a car




#readyfortomorrow .02 | SEPT2017


Soaring flows of data and information now generate more economic value than the global goods trade


This article focuses on opportunities created by the sharing economy, consumer attitudes toward sharing, and the industries likely to be affected


Over 17,000 brand experiences shed light on how people interact with brands today, and why mobile is critical


It's not "like that" to disrupt an incumbent organization over night - but if you want your company to survive, you nevertheless has to begin - in this short video I explore how to get started


Why “teams are not cocktail parties,” and other words of wisdom


Telematics insurance (or connected insurance) is carving out its own space in the insurance industry globally. It is the fastest growing insurtech segment and has been consistently demonstrating the highest impact on the insurers’ profitability


  • Open marketplace
  • Customer experience
  • AI / Machine Learning
  • P2P insurance


The insurance industry is moving at three speeds today. Insurtechs are moving at hyper-speed, innovative incumbents at medium speed and the rest of the industry at very slow speeds. At the same time, the insurance markets, grounded in the ongoing changes in the users’ needs and expectations, are moving at hyper+ speeds - this creates a blue ocean opportunity




#readyfortomorrow .01 | SEPT2017

The firm of the Future

We're beginning to see what the next generation of successful companies will look like

CIOs must have vision and consciously drive change

A challenge for CIOs today is to be seen as “more than a glorified IT manager”

IoT: Collaboration Is Now Mandatory

"What is becoming apparent is that there is a convergence taking place between these entrepreneurial startups and the traditional carriers, sparking collaboration between the new, small and fast market entrants with the old, big and slow incumbents"

Is the future passing by your management?

If you insist on only looking at what your best close competitors are doing, you’re “comparing your horse to other’s horses and ignorant to the car being introduced next door”

The digital future of work: What will automation change?

Half the tasks of today's tasks can be automated - McKinsey video

How to Successfully Work Across Countries, Languages, and Cultures

Rather than assuming we’ll work in one location, in our native culture, we will need new skills, attitudes, and behaviors that help us work across cultures. Our ways of thinking about careers, colleagues, and collaboration will need to become more flexible and adaptable


Large organizations could be wasting a significant growth opportunity because of their inability to effectively collaborate with startups. These “David-Goliath” culture gaps between the two types of organizations are a major obstacle

The world’s most valuable resource is no longer oil, but data

A century ago, the resource in question was oil. Now similar concerns are being raised by the giants that deal in data, the oil of the digital era. These titans—Alphabet (Google’s parent company), Amazon, Apple, Facebook and Microsoft—look unstoppable. They are the five most valuable listed firms in the world

'Insurtech' should help lower premiums: AIG chief

Big data and artificial intelligence should help insurers assess risk more efficiently, and that should help reduce costs and drive down premiums for clients, the new CEO of American International Group told The Nikkei recently.

Top 10 Hot Artificial Intelligence (AI) Technologies

Coined in 1955 to describe a new computer science sub-discipline, “Artificial Intelligence” today includes a variety of technologies and tools, some time-tested, others relatively new. To help make sense of what’s hot and what’s not, Forrester just published a TechRadar report on Artificial Intelligence (for application development professionals), a detailed analysis of 13 technologies enterprises should consider adopting to support human decision-making