InsurTech weekly - The hype cycle in insurance innovation

_{The state of InsurTech based on CBinsights' yearly overview}

The Insurtech 50 is CB Insights’ annual list of the 50 most promising private insurtech companies in the world. This year’s winners are working on everything from AI assistants to embedded insurance.

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_{Can FinTech successes in emerging markets be replicated?}

Incumbents still dominate the consumer banking market and their service is much better than the Brazilian default. The U.S. regulatory landscape is 100x more complex than Brazil but there's a gallery of potential giant digital banks. Cash App, Venmo, SoFi, Robinhood, Chime, Current, heck even Zelle? All of these things could build something that looks and feels like a Nubank. I think there's an opportunity for something else. A money hub. A financial control center. And the key isn't being good at PFM. It's a disruptive business model with the ability to move money without friction.

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_{The benefits of synthetic data in an AI environment}

While data, and especially, “big data”, was perceived as “the new oil” by Clive Humby in early 2000’s, recent developments in AI, “the new electricity”, have helped to unlock value out of it. According to PwC, this could create an additional $16tn of global GDP by 2030. Real-world data is always the best source of insights and used as a fuel for AI. However, it is in fact often expensive, imbalanced, unavailable or unusable due to privacy and regulation.

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