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Evaluating the New AI and Data Driven Insurance Business Models for Incumbents and Disruptors: Is there Convergence?

Alex Zarifis, Xusen Cheng
2021 Business Information Systems  
AI and data technologies are a catalyst for fundamental changes to insurance business models.  ...  This research identifies one exemplar incumbent and one disruptor and evaluates whether their models are converging and will become similar eventually.  ...  There are however two areas where there seems to be a limit on the convergence that seems to suggest the business models of the incumbent and the disruptor will remain distinct: (1) Evaluating risk: AI  ... 
doi:10.52825/bis.v1i.58 fatcat:wwt2deg6ubb5rdwcjgstg3jp3i

Financial Innovation and Technology after COVID-19: a few Directions for Policy Makers and Regulators in the View of Old and New Disruptors

Maurizio Pompella, Lorenzo Costantino
2021 Ekonomika  
Innovation and technology have led to the redefinition of business models and development of new ones in many bricks and mortar sectors.  ...  The authors extrapolate from sharing economy models to conclude that while blockchain and fintech are poised to advance finance and banking, there are no disruptive features that corroborate the term.  ...  Those sharing economy models definitely led to the re-definition of business models and development of innovative ones, to which even the incumbents of those "brick and mortar" sectors are slowly adjusting  ... 
doi:10.15388/ekon.2021.100.2.2 fatcat:7bxhcbv3cvaxtilxtteyagxynq

The contradictions of digital modernity

Kieron O'Hara
2018 AI & Society: The Journal of Human-Centred Systems and Machine Intelligence  
However, it is understood that narratives of digital modernity help shape reality via commercial and political decision-makers, and examples are given from the politics and society of the United Kingdom  ...  Therefore, digital modernity may not be a sustainable goal for technology development.  ...  Thanks also to the anonymous reviewers of this paper for helpful comments.  ... 
doi:10.1007/s00146-018-0843-7 fatcat:qtvarq4livhczfd4lnggdqjtkm

The profile of students' analytical skills in environmental issues of coastal area

Fenny Roshayanti, Azizul Ghofar Candra Wicaksono, Ipah Budi Minarti
2019 JPBI (Jurnal Pendidikan Biologi Indonesia)  
Environmental issues needed a lot of attention especially from high school students, and their skill in solving environmental problem is important for the future.  ...  The result indicate that the tested students has 0.5690 score as adequate level of analytical skills. Thus, learning process need to be improved especially for environmental subject.  ...  When the cost curves of solar and batteries (plus sensors, power electronics, software, and new business models) converge, the central generation model is disrupted.  ... 
doi:10.22219/jpbi.v5i1.7574 fatcat:dzxqaccnyjfwfmuoeh7pcsi23u

Fintech

International Monetary Fund, World Bank
2019 Policy Papers  
The paper finds that while there are important regional and national differences, countries are broadly embracing the opportunities of fintech to boost economic growth and inclusion, while balancing risks  ...  to stability and integrity.  ...  and incumbents are adapting their business models and are absorbing fintech advances.  ... 
doi:10.5089/9781498321860.007 fatcat:xnlpj65j65ea3ix7cdoeuw3gui

Delivering Disruption in an Emergent Access Economy: A Case Study of an E-Hailing Platform

Felix Tan, Barney Tan, Anthony Lu, Lesley Land
2017 Communications of the Association for Information Systems  
Our findings provide the empirical premise for a model that illustrates the role of technology in enabling consumer recognition, consumer engagement, and consumer transposition in the e-hailing context  ...  forms of consumption and, subsequently, disrupts the incumbent industry.  ...  We thank the founders of goCatch for their support of this project and for reviewing previous versions of our manuscript.  ... 
doi:10.17705/1cais.04122 fatcat:yxcpkijzr5ghxb7gf6tjycaofq

Бренды в эпоху диджитал-трансформации

Ольга Саруханова
2020 Brand Management  
is a convergence of consumers looking for the newest thing and digital technology and data able to supply it.  ...  This new world is the new era of brandbuilding: ecosystem-driven growth.  ...  RoZie, who is the WPP global client leader for Unilever? The WPP global client leader for Unilever is Peter Dart. RoZie is constantly learning.  ... 
doi:10.36627/2618-8902-2020-2-2-98-112 fatcat:4wcj4v6xivgj3gogk5gfjnu46u

The Collaboration between Humans and Robots in the Industrial Environment

Tarek Ismaeel, Patrick Siegfried
2021 Robotica & Management  
This study will describe how the robotics industry evolved increasingly and a new phase of advanced robotics has emerged, and the relation between humans and robots in the same workplace.  ...  Many of the problems in industrial robotics are related not just to technological issues, but also to human-robot collaboration also will be discussed as an effective method to tackle this issue is the  ...  Acknowledgements All of us at the World Economic Forum are aware of our responsibility, as the international organization for public private cooperation, to serve as a global platform to help define the  ... 
doi:10.24193/rm.2021.2.2 doaj:54a19af238e24f6aba58525cf5e6b5c1 fatcat:zaxloupe65fmzawexk4hkwslne

Technology Giants, the Moligopoly Hypothezis and Holistic Competition: A Primer

Nicolas Petit
2016 Social Science Research Network  
In the model, carriers and HAPs are both "complementors" and competitors "for rents". 144 And HAPs are the disruptors.  ...  For instance, we can instantly detect that "big data" is critical to describe Google's business model, but leaves out of the picture the alleged competitive pressure exerted by the business strategy  ...  In general both the revenues and employment levels of these companies grew over this period, especially during the 1990s, and these companies were highly profitable".  ... 
doi:10.2139/ssrn.2856502 fatcat:f5o7btjskjbjrdsgeccmhmuy4i

Online platform typologies [chapter]

2019 An Introduction to Online Platforms and Their Role in the Digital Transformation  
In the classified advertising market MercadoLibre competes with regional players, such as OLX and Vivastreet, and with local players, such as Webmotors and Zap.  ...  , such as PayPal and Google Pay; local online payment services, such as PayU in Argentina, Chile, Colombia, Peru, Brazil and Mexico, Bcash, PagSeguro and MOIP in Brazil, and Conecta in Mexico; and money  ...  at scale and using them in new ways to enter another market, transforming competition there from product-driven to network-driven (e.g.  ... 
doi:10.1787/620d0ca9-en fatcat:fbpe4qkkpzfkjgdh4atrn2bzmq

Commentaries on the Sharing Economy: Advancing New Perspectives

Martin P. Fritze, Martin Benkenstein, Russell Belk, Joann Peck, Jochen Wirtz, and Bart Claus
2021 Journal of Service Management Research  
Their individual commentaries reflect unique theoretical perspectives, and they include discussions of why the sharing economy makes service management research more relevant, implications for companies  ...  The sharing economy is an omnipresent topic, not just in academia but throughout public discourses. Key questions thus have been approached from various research perspectives.  ...  Business Model Convergence Between Platforms and Pipelines Convergence between platform and pipeline business models seems to be growing increasingly common as a competitive response across both types  ... 
doi:10.15358/2511-8676-2021-1-3 fatcat:bmb26vekm5g5ti7dpdkvv7qsua

Artificial Intelligence and Advanced Analytics in Indiana: An Initial Discussion of Industry Needs and University Capabilities

Simon Tripp, Joseph Simkins, Ryan Helwig
2020 unpublished
the development of completely new businesses and business models.  ...  It should be noted that there is even more urgency for developing the right model for accessing cross-cutting data sciences, advanced analytics and AI talent.  ...  model for structuring interactions in AI-related efforts.  ... 
doi:10.13140/rg.2.2.13651.12322 fatcat:imunchgbvjhpfkldes7ryrj554

How do firms build and sustain strategic competitive advantage in the digital economy?: A case study in digital banking

David Vander
2022
The global digital banking industry was chosen for qualitative analysis as it is widely considered to be the 'most' digital of any industry and represents an extreme perspective of the digital economy,  ...  Platforms and complex business ecosystems form an important feature of modern business architecture, but definitions and models are lacking.  ...  There was some caution about leveraging platforms and partnering for innovation regarding data ownership and emerging AI capabilities.  ... 
doi:10.25949/19440722.v1 fatcat:jsvlorolhrcrrbx2nrpa57nwhm

Enhancing entrepreneurial innovation through industry-led accelerators: corporate-new venture dynamics and organizational redesign in a port maritime ecosystem

Cristobal Garcia-Herrera, Peter Childs, Markus Perkmann, Chile
2022
Fourth, this dissertation uncovers three novel tensions—internalization, implementation and role—at the incumbent - new venture interface and develops a new ecological and symbiotically-inspired framework  ...  Using a longitudinal, inductive, multiple-case embedded research design that analyses the industrial accelerator interface, the relationships between incumbent firms and external new ventures and the R  ...  Drawing on data based on incumbent -new venture dyads, I then induct the process model for coopetitive symbiotic engagements.  ... 
doi:10.25560/97826 fatcat:vxccx7jffjcqlbywai2sxuatou

The Definitive Guide to a Digital Business Strategy [article]

Jeffery S. Ray, Maryland Shared Open Access Repository
2021
to do is ask for specific data, and their AI robot wi ll fetch it for them.  ...  To be successful and reap digital rewards, businesses will re-evaluate the value propositions they present to customers in their sectors and produce a supply driven business model.  ...  Sources of strength for analytic competitors. Focus on analytic competitors. Characteristics needed to compete in data analytics.  ... 
doi:10.13016/m2fipk-onkw fatcat:bezdk4ysjrdnxptzxl4anu2qci
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