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The Speed of Insurance Innovation
30 70 150
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Key Issues
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Industry Change Requires a Strategic Planning Approach
Changes in
Economic Abundance of Evolving risks and Evolving
consumer
conditions new technology insured items ecosystems
behavior
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Scenario Planning: What Are Scenarios? Why Are
They Important?
Give context for the present Single-Point
Forecast
and future
Understand how to succeed
in those scenarios Trends
Range
of
Move away from "one size Uncertainties
Timing?
Adapted From: P. Schwartz. "The Art of the Long View: Planning for the Future in an Uncertain World." Crown Business. 2012.
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Strategizing for Insurance 2030: Scenario Planning
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How Will the Market Environment for Insurers Look Like?
Competition New Players, High Industry Fluidity Traditional Players, Low Industry Fluidity
Customer Behavior Volatile Demand, High Churn Stable Demand, Moderate Churn
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What Will Be the Corporate Culture Patterns in Insurance?
Futurist Traditionalist
Innovation Strategy Outside-In Inside-Out
Business Focus Proactive, Front Office, Customer Value Reactive, Back Office, Efficiency
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Key Issues
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Four Plausible Scenarios
Futurist
PIONEER DISRUPTOR
Corporate Culture
Low Market Volatility High
ADMINISTRATOR ADAPTER
Traditionalist
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Scenario A: Disruptors Shake Things Up
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Scenario B: Pioneers Focus on Selective Transformation
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Scenario C: Administrators Stick to Traditions
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Scenario D: Adapters Respond to Threats
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How Will You Respond to This Future?
Futurist
PIONEER DISRUPTOR
Corporate Culture
Low Market Volatility High
ADMINISTRATOR ADAPTER
Traditionalist
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Key Issues
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How to Win in the Disruptor Scenario
IT Focus
Agility and bimodal IT Disruptor
Futurist
Technology innovation —
inside and through investments
Position IT as an innovation leader
Business ecosystem orchestration and integration
High Market Volatility
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How to Win in the Pioneer Scenario
IT Focus
Agility and adaptability Pioneer
Futurist
Use technology to drive down costs
Invest to modernize IT assets
Seek strategic partnerships and technologies
Position IT as strategic enabler
Low Market volatility
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How to Win in the Administrator Scenario
Low Market Volatility
IT Focus
IT efficiency and reliability
Traditionalist
Strong process management maturity Administrator
Practical solutions with bimodal capabilities
Strategic sourcing for value
Optimize costs
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How to Win in the Adapter Scenario
High Market Volatility
IT Focus
Balance assets in bimodal attitude
Traditionalist
Standardize and consolidate operations Adapter
Align with business objectives
Spotty innovation — selective new opportunities
Position IT as a utility
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Recommendations
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Recommended Gartner Research
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gartner.com/reviews
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