On the subject of disruption, we are starting to see what technology can do for retail banking. But its impact on the insurance sector is only just coming to light.

Still, it takes a great amount of courage to step into the field of insurtech, where newcomers such as Naked and Pineapple are already gaining traction. Actuarial analyst Mutoda Mahamba has chosen the far more sober name of Solvency for his business, which was launched in January...

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