What is the impact of the digital disruption on insurance organizations and the economics of real players of the industry?

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Stefan Voss

Now isurance companies have a lot of data available. Based on that they can tell the guy on the left hand side of the street a different bond price than that on the other side. Discrimination becomes much better understood and is supported wit a lot more knowledge. This leads to a lot more transparency for all players.

V Raja Sreedharan

Do refer to the book where a section on financial calamity is discussed

https://www.amazon.com/Black-Swan-Improbable-Robustness-Fragility/dp/081297381X