On January 25th, 2023, I hosted the first Aite-Novarica Women’s Network meeting of the year on the topic of trends in insurance. I was joined by fellow Aite-Novarica Group Senior Principals Carey Geaglone and Deb Zawisza as well as Aite-Novarica Group’s Head of Property & Casualty Martina Conlon as we shared our perspectives on current trends in insurance for 2023.
February 16, 2023 by Nancy Casbarro
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February 15, 2023 by Gavin Little-Gill
“The Cloud.” The term conjures up images of a utopian technology world. A plug-and-play technology stack where applications, data, and workflow integrate seamlessly. But dropping a single application into the cloud doesn’t solve the challenges of legacy code or connectivity with disparate applications with various reference databases and integration formats. As a result, the realities to date largely haven’t met some of the unrealistic expectations the promise of the cloud created.
February 14, 2023 by Wally Okby
In 2021, I was provided the unique opportunity by the good folks at Refinitiv Financial Solutions to look under the hood of their newly launched sustainable development scores tool. For anyone who is not familiar with it, this product is used by investors and analysts to gauge how well sovereigns align with the U.N.’s sustainable development goals.
February 13, 2023 by Robert McIsaac
Now that we are well into the first quarter, most insurance carriers are taking stock of finalized budgets and plans, and moving into a more focused execution mode. The planning process for 2023 was much longer than normal for many carriers as they grappled with a dynamic environment that produced potentially significant implications—frequently, diametrically opposed implications. We are headed into a recession, unless we aren’t. Increased interest rates are a great thing for carriers, unless they aren’t.
February 13, 2023 by Susumu Suzuki
日本では2003年に「貯蓄から投資へ」というスローガンが打ち出され、昨今では「貯蓄から資産形成へ」と進化しています。米国でも個人が資産形成を目指す方向は同じですが、ウェルス・マネジメント企業にとっては、世帯の資産状況に応じたセグメンテーション・アプローチが有効だと考えられています。ここでは2023年1月に発行したレポート：Balance Sheets of the American Investor : An Analysis of the Survey of Consumer Finance から、米国のウェルス・マネジメント業界におけるセグメント分けとサービス内容の考え方をご紹介します。
■ ネットワース（Net Worth）別アプローチ
「ネットワース」は会計用語で企業の総資産額から総負債額を引いた金額を示すものだが、ウェルスマネジメント業界では、これを家計のセグメンテーションに応用している。ここではネットワース別にウェルス・マネジメント企業が提供すべきサービスの考え方をご紹介する（一般的には「世帯のネットワース」＝「金融資産」＋「非金融資産（住宅など）」ー「負債（住宅ローンなど）」と考えられる）。