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The Geneva AssociationThe Geneva Association is the leading international insurance think tank for strategically important insurance and riskmanagement issues. The Geneva Association identifies fundamental trends and strategic issues where insurance playsa substantial role or which influence the insurance sector. Through the development of research programmes, regularpublications and the organisation of international meetings, The Geneva Association serves as a catalyst for progress inthe understanding of risk and insurance matters and acts as an information creator and disseminator. It is the leadingvoice of the largest insurance groups worldwide in the dialogue with international institutions. In parallel, it advances—in economic and cultural terms—the development and application of risk management and the understanding ofThe Geneva Association membership comprises a statutory maximum of 90 chief executive officers (CEOs) fromthe world’s top insurance and reinsurance companies. It organises international expert networks and managesdiscussionplatforms for senior insurance executives and specialists as well as policymakers,regulators andEstablished in 1973, The Geneva Association, officially the ‘International Association for the Study of InsuranceEconomics’, is based in Zurich, Switzerland and is a non-profit organisation funded by its members. www.genevaassociation.org@TheGenevaAssocuncertainty in the modern economy.multilateral organisations. 1Harnessing Technology to Narrow the Insurance Protection GapHarnessing Technology to Narrowthe Insurance Protection Gapby Kai-Uwe Schanz and Fabian SommerrockKai-Uwe Schanz—Senior Advisor, The Geneva AssociationFabian Sommerrock—Deputy Secretary General and Head of Insight, The Geneva Association Harnessing Technology to Narrow the Insurance Protection GapPublished by The Geneva Association—‘International Association for the Study of Insurance Economics’, Zurich.The opinions expressed in The Geneva Association newsletters and publications are the responsibility of the authors. We thereforedisclaim all liability and responsibility arising from such materials by any third parties.Download the electronic versionfromwww.genevaassociation.org.The Geneva AssociationThe Geneva Association—‘International Association for the Study of Insurance Economics’Zurich | Talstrasse 70, CH-8001 ZurichEmail: secretariat@genevaassociation.org | Tel: +41 44 200 49 00 | Fax: +41 44 200 49 99 www.genevaassociation.org@TheGenevaAssoc© The Geneva AssociationCover page—Shutterstock 2December 2016Photo Credits: TABLE OF CONTENTSFOREWORDMANAGEMENT SUMMARYINTRODUCTIONTHE PROTECTION GAP: SIZE, NATURE AND ROOT CAUSESTHE IMPACT OF NEW TECHNOLOGIES ON THE VALUE CHAIN AND ECONOMICS OF INSURANCETHE REGULATORY ENVIRONMENT: CATALYST OR GAME STOPPER?CASE STUDIESCONCLUSIONS AND RECOMMENDATIONSREFERENCESANNEX 1: SUMMARY FINDINGS FROM EXECUTIVE AND EXPERT INTERVIEWSANNEX 2: QUOTES FROM EXECUTIVE AND EXPERT INTERVIEWS 3Harnessing Technology to Narrow the Insurance Protection Gap5791016262934353738 4www.genevaassociation.orgAcknowledgementsThis effort is part of The Geneva Association’s ‘protection gap’ research stream, guided by Board members Inga Beale,CEO, Lloyd’s and Christian Mumenthaler, Group CEO, Swiss Re.We are particularly indebted to those executives and experts who made themselves available for in-depth interviews:•Gustaf Agartson, CEO, BIMA, Stockholm•Christophe Angoulvant, Senior Partner & Global Head of Insurance, Roland Berger, Paris•Andrea Camargo, Head of Regulatory Affairs and Consumer Protection for Central America, Micro insuranceCatastrophe Risk Organisation (MiCRO), London•Kai Chen, Associate Professor, School of Economics, Peking University, Beijing•Helmut Gründl, Professor of Insurance and Regulation, Goethe University, Frankfurt am Main•Robert Hartwig, Immediate Past President & Special Consultant, Insurance Information Institute, New York•Augusto Hidalgo, President & CEO, National Reinsurance Corporation of the Philippines, Manila•Rolf Hüppi, Founder, Chairman & CEO, ParaLife, Zurich•Dennis Just, Group CEO & Enforcer, Knip AG, Berlin•Corneille Karekezi, Group Managing Director & CEO, Africa Re, Lagos•Mohamed Khalifa, Vice Chairman, Misr, Cairo•Nikos Kotalakidis, Industry Leader Financial Services (Germany, Austria, Switzerland), Google, Hamburg•Stewart Langdon, Partner, LeapFrog, London•Richard Leftley, CEO, MicroEnsure, London•Henrik Naujoks, Partner & Director Financial Services EMEA, Bain & Company, Zurich•Alain Peddle, Deputy General Manager, Ping An Health, Shanghai•Nadeem Shaikh, Founder & CEO, Anthemis, London•Michael Sherris, Professor of Actuarial Studies, Australian School of Business, University of New South Wales,Sydney•David Shrier, Managing Director, MIT Connection Science, Boston•John Tan, Founder & Former CEO, ACR Capital Holdings, Singapore•Frédéric Tardy, Chief Marketing, Digital, Data & Customer Officer, AXA, Paris•Felix Tenniglo, Co-Founder & Managing Pa