Articles

The numbers are clear and compelling: nearly 90% of the world’s vulnerable population lacks adequate financial protection to face serious and unexpected events. According to the “ Landscape of Microinsurance Study – 2024 ”  by the Micro Insurance Network (MiN), only 344 million out of the 3 billion people living in the 37 low-income countries analyzed have access to protection. Low-income countries are defined as those where inhabitants earn between $1 and $20 per day. Of the

Written in collaboration with  Xavier Marcillac   In Part 1 of our deep dive, we explored the emergence of the   Invisible Insurer : a digital guardian powered by AI, IoT, and blockchain that weaves protection seamlessly into daily life.   Building on that foundation, Part 2 charts the path forward. We’ll unravel why insurance must become invisible, introduce the   Behavioural Insurer   framework, and shine a spotlight on the   Insurance Operating System —where Gangkhar plays

Introduction In today’s hyper-connected, data-centric landscape, the insurance industry stands on the brink of a paradigm shift. No...