Adlen takes a quick look at what Smalltox is up to at the moment, and gives some perspectives. https://www.youtube.com/watch?v=xj7m09MnoFk The insurance world is changing, and what is established today will no longer be tomorrow. Market players must not isolate themselves. The key is to know how to provide the best service at the best cost to policyholders, by harmoniously combining one’s own talent with that of partners carefully chosen for their expertise.
The more specialized partners you have, the more efficient they are, but the overall product is only as efficient as the quality of their integration.
The good news is that integration capabilities are improving, if they are well chosen.