i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
-
Upload
insuranceinnovation -
Category
Documents
-
view
214 -
download
0
Transcript of i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
1/42
! ! "#$%%!&!
' ()*+,-.)!*'! /00'1+*/'0!/0! /0)23+0,.! * .,40'-'"5 !!
(6!
!
+7$89:;#9!"#$%%!!!!!!
)?@@$;!?:!A9#@?97!B$:@!!DC!@E$!3$F
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
2/42
! ! "#$%%!J!
!"#$%&'(&)'*+%*+,&
*E$G?G!)>9#6!SSSSSSSSSSSSSSSSSSSSSSSSSSSSSS!T!U!V!
/:@#D;
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
3/42
! ! "#$%%!T!
!-%,.,&/011"23&
/::DM9@?D:!?:!@E$!?:G
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
4/42
! ! "#$%%!\!
9=7$!@D!>9[$!9!G@#D:%!Q9G$!CD#!=D@E!@$QE:D7D%6!9:;!:D:a@$QE:D7D%6!GD7D#$!,/'G!G!@E$!=L9:?$G!9#$!?:Q#$9G?:%76!97?%:?:%!@E$?#!
D#%9:?_9@?D:GR!>D#$!D#%9:?_9@?D:G!Q9:!7DD[!CD#H9#;!@D!#$9L?:%!=$:$C?@G!GL#DM$;!QD779=D#9@?D:!=$@H$$:!=9?:@9?:$;!QDG@G]!
*E$!?:E$#$:@!QD>L7$8?@6!DC!@E$!=L7$8?@6!DC!?:G
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
5/42
! ! "#$%%!V!
! *E$!?:GL7D6$$G!9:;!9G!QD:G$#GR!?:G
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
6/42
! ! "#$%%!W!
4*+2'506+.'* !
c*E$!e?:G
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
7/42
! ! "#$%%!X!
7".*&8'53 !
(D#$!ce9M$#G?D:f!@D!QDG@76
9@@$>L@GRd?M!@E$!#$Q$:@!$QD:D>?Q!G?@
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
8/42
! ! "#$%%!i!
@$#>!QDG@!#$;$:@Gd!@E9@!H?77!?:!
?:Q#$9G$!@E$!D#%9:?_9@?D:bG!9=?7?@6!@D!%9?:!9:;!#$@9?:!:$H!Q$#G]!8?!
! 4DH$M$#R!HE?7$!GD>$!Q9##?$#G!9#$!CDQ
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
9/42
! ! "#$%%!Y!
$:M?#D:>$:@!H?@E!9:!$8@$:;$;!L$#?D;!DC!C79@R!>?:?>97R!D#!:$%9@?M$!$QD:D>?Q!%#
L$#G?G@$:@!E?%E!L7D6>$:@h!M$#6!7DH!?:@$#$G@!#9@$Gh!79Q[7$GR!?@!9LL$9#G!@E9@!>9:6!?:GLD#@9:Q$!DC!?:M$G@?:%!?:!/*N!9QQD#;?:%!@D!9!0DM9#
#$LD#@R!>DG@!2])]!?:G$:@G!H?77!G$$!9:!?:Q#$9G$!?:!@E$!G?_$!DC!
=L9:?$
#$%9#;7$GG!DC!HE$@E$#!D#!:D@!@E$6!9#$!$8L$#?$:Q?:%!GL7$>$:@9@?D:!L#DQ$GG!CD#!]88M!A$@$#!j97$R!1A!DC!
($:@!CD#!1$#@9CD#$R!;$GQ#?=$G!@E?G!G@#9@$%6!9G!E9M?:%!>
cL#DDC!LD?:@Gd!97D:%!@E$!L$#?D;!DC!?>L7$>$:@9@?D:R!HE?QE!L#DM?;$!M97?;9@?
C
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
10/42
! ! "#$%%!&K!
! +;;?@?D:9776R!GD>$!?:G$:@G!9G!9!H96!@D!>?@?%9@$!@E$!?>L9Q@!DC!GE#
=
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
11/42
! ! "#$%%!&&!
C#D:@!7?:$G]888?M!*E$!G9>$!C?#>R!L9:?$Gb!QD#$!=9#6!QD
GED$D:$!=$>=$#G!Q9:!@#$:@!@D!HD#[?:%!c#?%E@!97D:%G
=
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
12/42
! ! "#$%%!&J!
?:G@$9;!DC!=GR!9QQD#;?:%!@D!PD:97;!-?%E@]87???!/:;$$;!,/'G!ce@$:;f!@D!
QD>>G!DC!/*!QD:Q$#:Gd!H?@ED$@#?QGR!9:;!`9#%D:!@
?7?9#!@D!@EDG$!#$Q$?M?:%!@E$!?:CD#>9@?D:]!(6!@E$!G9>$!@D[$:R!ODG$CDH
@E9@!9!=>>D:!Q$:@$;!
@E9@!@E$!=
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
13/42
! ! "#$%%!&T!
*D!E$7L!=#?;%$!@E?G!%9LR!>9:6!>D#$!?:G=#9Q$!@E$!@#9:G?@?D:!DC!@E$?#!#D7$!C#D>!c@$QE:D7D%?G@!@D!=?Q!9:;!
9>=?@?DG!@E9@!QD:@?:$!>$9G$:@!@9[?:%!L79Q$]d7M???!PD:97;!
-?%E@!#$LD#@G!@E9@!c=?:%!>D#$!QD>>D:!CD#!$8$Q!@E$!=9:R!+:976G@!H?@E!@E$!
B?:9:Q?97!)$#M?Q$G!A#9Q@?Q$!DC!P9@9>D:?@D#R!$QED$G!@E$!=$7?$C!@E9@!$9QE!
H?77!G$$!>D#$!,/'G!=$?:%!=#D
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
14/42
! ! "#$%%!&\!
>9[?:%] 78!4DH$M$#R!@E?G!?G!:D@!;!?>L#DM$;!97?%:>$:@!9:;!
QD>>$:@!9:;!@E$!=L7$>$:@$;!9!:$H!9LL#D9QE!@D!/*!?:M$G@>$:@]78M?!/:!HD#[GEDLG!
@E9@!;?GQ
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
15/42
! ! "#$%%!&V!
@E?G!L#D%#9>R!@E$!QD>L9:6!E9G!G$$:!?>L#DM$;!QD779=D#9@?D:!=$@H$$:!=L7$8?@6!
+:D@E$#!C9Q@D#!@E9@!LDG$G!9:!D=G@9Q7$!@D!?::DM9@?D:!?:!@E$!?:GL7$8?@6d!DC!@E$!?
=L7$8?@6!DC!@E$!#$%
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
16/42
! ! "#$%%!&W!
)D>$!?:!@E$!?:;
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
17/42
! ! "#$%%!&X!
9:;!G@9@$a=9G$;!#$%
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
18/42
! ! "#$%%!&i!
C9Q$!?G!cEDH!@D!%$@!DCC!e@E$?#!7$%9Q6!G6G@$>Gf!9:;!D:@D!9!>D#$!L#D;LD#@9:@
D=`$Q@?M$!?:!@E$!$6$G!DC!Ag,!Q9##?$#G!9Q#DGG!0D#@E!+>$#?Q9!9:;!,9:9;9R!9G!
+QQ$:@D:D7?@E?QR!H9@$#C977!
9LL#D9QEd!@D!c=?%R!G?7D$;!=9Q[aDCC?Q$!G6G@$>Gd!HE?QE!ceE?:;$#f!@E$!9%?7?@
D#%9:?_9@?D:]d8Q?!O9>?$!5D;$#R!A#?:Q?L97!DC!@E$!P?9>D:;!+;M?GD#6!)$#M?Q$G!/:Gc?:?@?9@$!9!QD:@?:$:@]d8QM!/:!D#;$#!@D!=$!QD>L$@?@?M$R!
@E$G$!7$%9Q6!G6G@$>G!>D;$#:?_$;!cH?@E?:!9!G$#M?Q$aD#?$:@
9#QE?@$Q@$HD#[!?:!D#;$#!@D!9QE?$M$!@E$!:$Q$GG9#6!C7$8?=?7?@6!9:;!QD
$CC$Q@?M$:$GGRd!9GG$#@G!A$@$#!,D#=$@@R!/:G
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
19/42
! ! "#$%%!&Y!
! -$%9Q6!QD#$!G6G@$>!>D;$#:?_9@?D:!D#!#$L79Q$>$:@!?G!9![$6!?GG9?:!QD>L$@?@?M$R!9:;!?G!97GD!D:$!H?@E!HE?
?:;9:6!6$9#G]!/:G!#$L79Q$>$:@!H9G!9!%D97!CD#!c:$9#76!YK!L$#Q$:@
?:GL9:?$G]d8QM??!+QQD#;?:%!@D!9!P$Q$>=$#!JK&K!#$LD#@!C#D>!0DM9#?Q9R!
L#D`$Q@G!?:MD7M?:%!LD7?Q6!9;>?:?G@#9@?D:!G6G@$>G!H?77!QD:@?:9:6!;?CC$#$:@!@6L$G!DC!?:G9?:@9?:!$8?G@?:%!G6G@$>G!#$@?#$Rd!9QQD#;?:%!@D!(?776!IQ,9#@$#
I9`$GQDI9G@$[bG!)$:?D#!1?Q$!A#$G?;$:@!CD#!P?G@#?=$]Q???!cI9:6!eQ9##?$#GfR!?C!:D@!>DG@Rd!C?:;!@E$!cQ9L?@97!?:M$G@>$:@!QDG@G!9
>?%#9@?D:!?GG9`D#!;$@$##$:@G]Q?M!+:D@E$#!E?:;#9:Q$!?G!@E$!QD:G?;$#9@?D:!
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
20/42
! ! "#$%%!JK!
@E9@R!CD#!,/'GR!G6G@$>!#$L79Q$>$:@G!9:;!?>L#DM$>$:@G!L#$G$:@!E96!=#?:%!EL9:6!D#!@E$!$:;!DC!@E$!,/'bG!@$:L#DM$!@E$?#!G6G@$>G]!IQ,9#@$#!
#$QD>>$:;G!9:!97@$#:9@?M$!CD#!@EDG$!HED!;$@$#>?:$!@E9@!9!QD>L7$@$!>D;$#:?_9
?G!:D@!C$9G?=7$!CD#!@E$>N!c7$M$#9%?:%!@E$!79@$G@!9;M9:Q$G!?:!@$QE:D7D%6R
9;DL@?:%!G$#M?Q$aD#?$:@$;!9#QE?@$Q@
%#$9@!H96!@D!$8@$:;!@E$!7?C$!DC!6DG!HE?7$!#$>9?:?:%!QD>L$@?@?M$
@D9#[$@]dQM!)$;?a@$#>!9:;!7DH$#aQDG@
GD79[$!FD
$CC?Q?$:@76Rd!QD:@?:
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
21/42
! ! "#$%%!J&!
=9G$;!D:7?:$!$:#D77>$:@!L79@CD#>!C#D>!($:$C?@CDQD#?:%!CD#!L9L$#7$GG!$:#D77>$:@!9:;!@#9:G9Q@?D:G]dQ8?!+C@$#!@E$!;$97!E9;!=$$:!
:$%D@?9@$;R!,9#$B?#G@!E9;!@D!cG6G@$>9@?Q9776!;$C?:$!#
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
22/42
! ! "#$%%!JJ!
A#$G?;$:@!DC!+LL7?Q9@?D:!P$M$7DL>$:@!9@!B9#>$#GR!QD:@$:;G!@E9@!c?@!977!QD
@D!9!G@9:;9#;?_$;R!#$L$9@9=7$!L#DQ$GGR!HE$#$!@E$!=$R!D#!=D@ER!e@E$6!GEDDM$!@D!GD
[?:;!DC!QD:G?G@$:@R!,II!eQ9L9=?7?@6!>9@D;$7f!-$M$7!J!>$@ED;D7D%6R!QD$!G@9:;9#;?_$;!)P-,!eGDC@H9#$!;$M$7DL>$:@!7?C$!Q6Q7$f]dQ88?!($CD#$!9LL76?:%!
G@9:;9#;?_$;!L#DQ$GG$GR!B9#>$#G!c#9#$76!e7DD[$;f!9@!@E$!=?%!L?Q@Gd!9:;!E9:;7$;!;$M$7DL>$:@R!@$G@?:%R!9:;!
?>L7$>$:@9@?D:!cD:!9!L#D`$Q@a=6aL#D`$Q@R!?GG$@ED;D7D%6S$:GD:@E76!;$7?M$#6!DC!D:$!DC!@E#$$!QD:Q$:@!7?C$!Q6Q7$]dQ88???!*E$6!ED7;!L79::?:%!
G$GG?D:G!97>DG@!$M$#6!H$$[!9:;!:DH!9LL#D9QE!QD;$!;$7?M$#6!cH?@E!9!F$:@?D:$;!=$:$C?@G!G@$>>?:%!C#D>!@E?G!9LL#D9QER!B#?;$
:DH!QD:C?;$:@76!;$Q79#$GR!c$M$#6!>$>=$#!DC!e@E$f!@$9>!?G!HD#[?:%!&KK!L$#Q$:@
@E$!@?>$]dQ88M!
!
)@#
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
23/42
! ! "#$%%!JT!
)D7
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
24/42
! ! "#$%%!J\!
G$!@D!$8L$Q@!$>L7
L#DM?;$!9:!?A9;!D#!D@E$#!@9=7$@!QD>L
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
25/42
! ! "#$%%!JV!
9:;!GEDH!@E9@!?:G9:9%$>$:@!9:;!
QD:GR!?G!$;!=6!@E$!2])]!L#DL$#@6!9:;!Q9G
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
26/42
! ! "#$%%!JW!
?G!EDH!@E$!>?77$::?97!%$:$#9@?D:bG!c$8L$Q@9@?D:G!9#$!GE9L$;!=6!@E$?#!$8L$#?$:Q
G@L9%$R!@E$!?:;$;?9R!9;M$#@?G?:%R!9:;!>D=?7$!@$QE:D7D%6]!
B?#G@R!@E$!?:G
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
27/42
! ! "#$%%!JX!
c9!M$#6!G?%:?C?Q9:@!:=$#R!9`D#?@6R!DC!H?#$7$GG!!9:;!@E$6!$8L$Q@!@D!=$!9=7$!@D!?:@$#9Q@!H?@E!QD>L9:?$G!@
@E$G$!;$M?Q$G!HE$#$!@E$6!9#$]dQ7?8!P$GL?@$!@E$!cD=?7$!@$QE:D7D%6SG@$9;?7
?:Q#$9G?:%!DM$#!@E$!L9G@!C$H!6$9#GRd!.>>9:9GG!9;DL@?D:!?G!:D@!6$@!9!#$97?@6]dQ78!*E$!ce9#@LED:$G!9:;!@E$?#!9LL7?Q9@?D:GdQ78?!E9M$!:D@!;$@$##$;!GD>$!QD>L9:?$G!C#D>!
D=?7$!@$QE:D7D%6!9G!9!>9#[$@?:%R!G97$GR!9:;^D#!Q79?>G!@DD7!@D!=$@@
QD:G$#G]Q78??!+!Q#$:@!H?77!G
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
28/42
! ! "#$%%!Ji!
@EDD#$!@E9:!JK!L$#Q$:@!DC!HE?QE!H?@E!@E$!9?>!DC!D=@9?:?
D#!C?:;?:%!9:!9%$:@]Q78?8!/:!9;;?@?D:!@D!:$#DG!G?GG?D:!H?@E!@E$!:$H!>D=?7$!9LL]Q788!
! '@E$#!QD>L9:?$G!HED!E9M$!;?G@?:%
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
29/42
! ! "#$%%!JY!
/:G
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
30/42
! ! "#$%%!TK!
)'*6$0,.'*&
! *E$!?:G!$QD:D>?Q!D#!D@E$#!>979?G$R!E9G!#$Q$:@76!=$$:!C9Q$;!H?@E!>9:6!:$H!
QE977$:%$G]!+G!?@!QD:C#D:@G!GLD#@9:@!L9#@:$#!?:!>DM?:%!@E$!?:;L$@?@?M$R!Q
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
31/42
! ! "#$%%!T&!
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!?!r+!P$Q9;$!DC!,E9:%$]d!??!r+!P$Q9;$!DC!,E9:%$]d!???!rID=?7$!*$QE:D7D%6!a!AED:?:%!?@!?:]d!?M!c/:G$@ED;D7D%?Q97!L#DQ$GG$GR!QD>LD:$:@a=9G$;!;$M$7D
9:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!CD#!%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
32/42
! ! "#$%%!TJ!
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!87???!c.9#:?:%!s3$GL$Q@!9:;!.F
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
33/42
! ! "#$%%!TT!
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!7888???!c/:G!C#D>!)@9@$G]d!7888?M!c0$H!/:G$:@!9:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!C%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;LD:$:@a=9G$;!;$M$7
9:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!CD#!%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;!+9@?D:!@D!A#$Q?G?D:N!,7DG?:%!@E$!A#D;
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
34/42
! ! "#$%%!T\!
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q8?8!c/:G$@ED;D7D%?Q97!L#DQ$GG$GR!QD>LD:$:@a=9G$;!;$M$79:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!CD#!%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;LD:$:@a=9G$;!;$M$7
9:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!CD#!%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;LD:$:@a=9G$;!;$M$79:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!CD#!%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;LD:$:@a=9G$;!;$M$7DL>$:@!9:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!C%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;LD:$:@a=9G$;!;$M$7DL>$:@!9:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!C%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;LD:$:@a=9G$;!;$M$7DL>$:@!9:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!C%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;LD:$:@a=9G$;!;$M$79:;!@E$!#$97?%:>$:@!DC!@$QE:D7D%6!D#%9:?_9@?D:G!L9M$!@E$!H96!CD#!%#$9@$#!9LL7?Q9@?D:!;$M$7DL>$:@!L#D;
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
35/42
! ! "#$%%!TV!
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Q87?!c*$QE:D7D%6!A796G!,#?@?Q97!3D7$!CD#!/:GG!)$$[?:%!@D!3$Q#
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
36/42
!"#$$%&'%
!"#$%&'()*+&&
(#")*+,-./%(#01%2304567,78%907:"40;#%90#;?0*5*$6%90G#7-B#0-7/%-?#%^#0&03"$ 1%907:"40;#F#+7F#-1;*B/%
H[%3A"1%HIDI1%J#K1%HY%=4"1%HIDD1%
L?--A8MM,07:"40;#0#+70#-1;*BM4"-,;5#147Acd,)%@'()* 1%=404$#B#0-%C#;":,-#"7%90-#"04-,*045/%90;1%J#K1%D'%=4"1%
HIDD1%
L?--A8MM+++1B",0#-+*")1;*BM;B7MA"#77M4"-,;5#f"#5#47#147Acd,
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
37/42
!"#$$%&'%
!())($*#"+%,-).#/%01).2#%3456%7*.89%:#(8#"%(8;%
!"#$%&"'()*)+(',"-.-/0 %I%A#>/%JKKJ/%1(23#4(23#)5'&6(73' /%L#M/%JN%O?P/%JKKQ/%
!?).(+%O(2*(8/%03#)#82G6%:.$*2R%S"#D("#%F?"%2*#%O#B%O?"@()/0%!"#$%&"'()*)+(',"-.-/0 /%
TH*L#M+%UK%O?P/%JKUK/%L#M/%J&%O?P/%JKUK/%
V*22DRWWBBB/.86-"(8>#2#>*/>?@W("2.>)#6WJJNJKKIX'Y>.;Z8)[.86[;(.)E\/%%
!-6@(8+%S"?D#"2E3(6-()2E&IK/>?@+%S*.)/%0A#)?.22#R%]45%H.$$#62%^#$-)(2?"E%L.);>(";%
]?"%486-"#"6/0%8%-9(%:0;$&.:0/%_-@@.2%H-6.8#66%(6-()2E&IK/>?@WJKUUWK&WKNW;#)?.22#=F.?=M.$$#62=
"#$-)(2?"E=B.);>(";=F?"=.86-"\/%%
C("".6=]#""(82#+%`.@M#")E/%07?D=UK%7#>*8?)?$.#6%_##8%
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
38/42
!"#$$%&'%
()**+,--.../0123"415#1#*.6"701$/568-9:6$2-0123"415#;*#5)16:6$?C'@=C/)*8:D/%%
E#4+2F%G"417/%WXC?C,%Y#V#:6+01$%*)#%K#L*%!#1#"4*061%6M%N123"415#%NO%P"6M#
[R#+*%>ACA\,%>A/%!""-1&+/-")/")!"#$%&"'( /%PJM%J6538#1*/%&%S4"5)%>ACA/%
()**+,--0116V4*061010123"415#/568-]017^:057/42+LQM0:#*057#*_E`aaIb9V0&
`c&Jd*490J_C>AD/%
HE6:J%O)4*%!6:J#1%R+07#/H%2345'-6 /%^Ge%P39:02)01$%]]^F%C?%S4"/%>AA@/%I#9/%CC%S4
>ACC/%()**+,--.../5M6/568-4"*05:#/5M8-&AC>@Ab-5;&A@BBA'QM_0120J#5M6D/%%
HN123"415#%N1J32*"B%f3$/%
>ACA/%()**+,--.../+"6+#"*A%Y#5/%>ACA/%I#9/%CC%S4"/%>ACC/%
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
39/42
!"#$$%&'%
()**+,--.../*01$/230-413.5#6$#72#1*#"-8198$)*9-.8"#5#997*#2)1353$8#97
:3"7*)#7819;"#16"824@%N3#/%DE19;"
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
40/42
!"#$$%&'%
()"*+,-%.+/01%!"#$%"&'()*#$+,$-#*)./$0'&*')11#'2$3$!"#$4#)56(/7$!"#$8/9#7$:;
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
41/42
!"#$$%&'%
()*#")+*,-)+./0123/45+"678+79:;8%%
=#*?%@+"A%08%BCD1%()7="#"7E%C"-F.#G%4**"+H*,)$%I#5%J+.#)*%3=*.,)#68B%
!"#$%"&'()*+),&'-./ 8%K=GG,*%L=7,)#77%@#6,+?%'M%N+)8%OP'P8%Q#F8%O'%@+"
OP''8%RS**9TUU55589"-9#"*VH+7=+.*VWXP8H-GUOP'PUP'U'MU9H/,)7="#"7/
9"-F.#G/+**"+H*,)$/)#5/*+.#)*/-=*.,)#6;8%%
-
8/7/2019 i3 Staff Member Defends Senior Thesis: Obstacles to Innovation in Insurance Technology
42/42
!"#$$%&'%
!"#$ (%)*+,"-*.#%/#012"34*$%/#1+%-*5%62,".#7#54-8%)*.(8%9%:#.(%';(%