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Partnership Models for Mobile-Enabled Insurance

Over the past decade, the inclusive digital insurance industry has evolved where mobile technology and mobile money has become increasingly beneficial to the industry. While the sector has expanded and continues to launch new and innovative products, it remains relatively nascent. Currently, only 18 per cent of mobile money providers offer a mobile-enabled insurance product. Examples of industry challenges include retaining customers with low disposable incomes and ensuring a seamless user experience for customers. The nascency of the sector highlights the significant untapped opportunity that exists for all stakeholders of the insurance delivery value chain. This includes mobile money providers, insurers and technical service providers.

This briefing note by the GSMA is aimed at mobile network operators, mobile money providers, underwriters, insurance providers and insurance regulators. It aims to provide an overview of mobile-enabled insurance and offer guidance on the operational and partnership models currently in use to deliver mobile-enabled insurance products.

The GSMA represents the interests of mobile operators worldwide, uniting more than 750 operators with over 350 companies in the broader mobile ecosystem, including handset and device makers, software companies, equipment providers and internet companies, as well as organisations in adjacent industry sectors. The GSMA also produces the industry-leading MWC events held annually in Barcelona, Los Angeles and Shanghai, as well as the Mobile 360 Series of regional conferences.