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Emerging markets in microinsurance

How to establish a foothold in the new market segment serving low-income customers

Low-income households feel the impact of adversity more heavily than most in society, yet have little access to affordable insurance products that could help to protect them. However, as insurance providers become increasingly aware of this unmet need, a new microinsurance industry is emerging. To...
Financial services

Optimizing Involvement in the Development of Sustainability Rela

Balancing Integrity and Innovation

Public policy is increasingly influencing the corporate sustainability agenda, as is the need for companies to engage in its development. This is by no means a simple task. In this Viewpoint we identify key steps in the policy development process and highlight how companies can optimise their...
Sustainability

Winning on the E-mobility Playing Field

How to avoid a "red" business case for "green" vehicles

In the middle of the current automotive crisis, everyone seems to be electrified. Most OEMs are investing significantly in developing e-technology and governments across the globe are rolling out plans to subsidise e-mobility. At the same time, the development of adequate business models is...

Smart Grid opportunities for telcos

New business models in the electricity market of the future for telcos

Existing electricity grids are not capable of satisfying the increasing demand for a reliable electricity supply in the long run. The growing proportion of decentralised electricity generation based on renewables is making electricity transport and distribution significantly more complex, yet the...

Realigning UK Energy Policy

From a High Cost, Low Quality System to a Robust, Cost-Efficient Infrastructure

Energy policy over the last decade The previous government changed energy strategy several times, undertaking two energy reviews in 2002 and 2006, and publishing three Energy White Papers in 1998, 2003 and 2007. Each of the White Papers recognised the tensions between the three pillars of energy...

Making Value Management Work, at Last

How Telecom Operators Can Extract More Value from Their Customer Goldmine

Remember the California Gold Rush The Gold Rush began in 1848, after James Marshall discovered gold at Sutter’s Mill, California. News spread like wild fire and half a million people from around the world migrated to California in search of instant wealth. By 1855, the big rush was over, yet it...

Strategic Options in the Fleet Service Market

Confronting Risk and Seizing Opportunity in an Evolving Market

Arthur D. Little recently completed a comprehensive survey of all the major players in the fleet service sector in the top five European automotive fleet markets. To model the market, determine the relevant trends and derive strategic options, we held over 80 in-depth interviews with leaders and...

Captive Auto Insurances

An Untapped Downstream Profit Potential for Car Manufacturers

The need to prevent further erosion Independent car insurers keep professionalizing and optimizing their claims management not least by routing accidents to their preferred supplier repair shops. On top of that they are issuing more and more insurance products with binding repair shop regulations...

The New Reality of Network Cooperation

Mobile Network Operators Should Partner While the Window of Opportunity Exists

What is triggering the surge in cooperation? Maturing markets are forcing operators to find new ways to reach financial targets – and the financial crunch only brings more pressure to better manage CAPEX to sales ratios. Despite years of cost reductions and various levels of site sharing, there is...

Managing Technological Discontinuities

How Information & Communication Technologies Can Change Your Business

Information and communication technologies (ICT) are now an integral part of our environment and are among the most important drivers for innovation in many industry sectors. Whether complex control technologies in the field of machine tools, fly-by-wire systems in the aircraft industry or...
Technology & innovation management