InsurTech weekly - Are IPO the only way to measure disruption in Financial Services?

_{1/ The benefits of AI across insurance functions}

The first article is a report KPMG put together on state & future of artificial intelligence in the insurance industry. Based on a survey of hundreds of incumbents, it details how much c-level expect from these technologies, where they have mainly invested so far, and major impacts they expect from AI alongside the value chain. It also details an AI-roadmap incumbents should consider through three major stages.

_{2/ Will Klarna's IPO unlock a FinTech listing dynamic}

The second article is an essay Simon Taylor put together on Klarna's upcoming IPO. He deep dives into how that FinTech has been doing, compares it to several other benchmarks and highlights key takeaways from its journey, as this might unlock a broader wave of FinTech listing.

_{3/ What does 'disruption' mean?}

The third article is an essay Benedict Evans put together on what disruption means in the tech industry. He analyzes how new players compare to incumbents in the taxi and hotel industries and reflects on how to explain such different patterns of 'disruption'. Ultimately, he highlights different ways to measure it, beyond market shares, which includes the impact on regulation or the user experience.