In a consumer oriented world, insurance becomes a tool for the driver and not just a mandatory cost. The car insurance market is traditionally linked to the old bonus-malus model, a system that penalizes the ones who make accidents and rewards those who do not incur in them. Consumers today have new expectations they want to achieve outcomes, not ownership customization, not generalization. The world is shifting to a new business model, were customers have changed their purchasing path: they are happier subscribing to the outcomes they want, when they want, rather than purchasing a product with the burden of ownership.
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