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The book analyzes the role of technology in the redefinition of the competitiveness of insurance markets. With a focus on the competitive challenges of InsurTech startup to the incumbent insurers, the book will discuss the strategic role of technology both in the development and in the distribution of insurance services and explore the customer relationship evolution following the digitalization of services offered. The book presents original theoretical and empirical contributions addressing how digitalization impacts the insurance environment and regulation, and how InsurTech development represents a threat for traditional companies, from Big Data analysis to digital devices, from personal interactivity to home automation systems development. The project´s key benefit is up-to-date analysis of the competitiveness of technology usage in the insurance field, with particular reference to the distributive variable and to the future trends of the customer relationship in the short and medium-long term. The book will be of particular interest to scholars and students of insurance and financial technology.

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Chapter 1: Introduction. Chapter 2: Technology and insurance. Chapter 3: Digital disruption and InsurTech start-up: risks and challenges.- Chapter 4: The new frontiers of insurance distribution. Chapter 5: InsurTech and Customer relationship. Chapter 6: Survey on the digitalization level of the insurance industry in Europe and USA.

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Antonella Cappiello is an Associate Professor in Financial Markets and Institutions, Department of Economics and Management at the University of Pisa where she teaches Insurance Technique, Economics in Insurance, and Management of Banking and Insurance Institutions classes. Her current research focuses mainly on Solvency II; insurance service and customer relationship; risk management and control systems; strategic management and organization; operational risk management; and systemic risk. Additionally, she is the president of Banking, Finance and Financial Markets, and professor and member of the Directive Board of several Masters in Banking and Insurance Institutions.

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