The insurance industry is experiencing a sea change more fundamental than any seen in decades, with a PwC study showing three in four insurance companies are convinced that at least some parts of their business are at risk of disruption. Consumers’ shifting demands are combining with digital innovation to transform business models.

​Just as Amazon has revolutionised retail, the ways in which insurance services function are being completely reimagined - leading to the birth of integrated insurance operators offering consumer-centric, digital health ecosystems that meet new demands and build loyalty. 

Technology companies have an enormous opportunity to capitalize on the many intangible assets they create. These include intellectual property (IP) rights such as patents, copyrights, trademarks and trade secrets, as well as other assets including data, brand reputation, strategies, and customer and business relationships.

​As technology companies develop new products and services, however, these processes and intangible asset portfolios require close assessment and management.

Digital channels have long been reshaping our human connections, but the coronavirus crisis means businesses are suddenly faced with a new reality: a near-total reliance on online communications. This is prompting a deeper and nuanced social-first approach.

A significant shift is gathering momentum in the Life Sciences and Healthcare industry. Return on investment from late‐stage pipelines in Big Pharma is at an all‐time low. The pressure to increase returns is driving a sharpened focus on reducing time to market. Faster drug development is being enabled through advances in data capture and analytics. ​

A true vision of the customer mindset is essential for any company in interpreting what will be purchased and why. As businesses compete for popularity in a demanding economy, the ability to explain, predict and influence customer behaviour is crucial to creating stronger relationships and successfully developing products and campaigns.

This requires a combination of data science to understand what people are doing, alongside market research, neuroscience and behavioural economics to discover why.

Banks are facing a stern challenge to their security credentials as account takeover fraud becomes commonplace. The time has come to move beyond security systems based on usernames and passwords towards more high-tech solutions such as face-based authentication and biometrics.
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Account takeover fraud takes myriad forms, but the results are typically financial losses for the individuals and a loss of confidence in their bank.

The traditional car purchase could soon be a thing of the past. According to the consultancy firm PwC, by 2030, shared or autonomous vehicles will be responsible for up to 37 per cent of mileage driven globally. The era of cars on demand is here, and manufacturers must respond now.
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In the last two years, luxury car manufacturer BMW has dramatically broken with tradition in an effort to reduce reliance on vehicle sales. The German company has been growing ReachNow, a program described as ‘Airbnb for cars’, which allows people to rent BMW vehicles from owners without all the typical costs. Rentals are made on demand via a peer‐to‐peer app. Ford and General Motors have created similar services.