Study: Open Insurance Platforms

The study was conducted by Pawlik Digital AG (formerly TME AG).

Study Contents – What to Expect:

  • Essential considerations when selecting a platform provider
  • Value creation & infrastructure of an open insurance platform
  • Provider analysis including profiles Steckbriefe
  • 10 factors for a successful platform business

Brief Overview – Study Contents

Essential considerations when selecting a platform provider

Establishing and operating a digital insurance platform is a complex endeavor that requires thorough and comprehensive preparation. The following core questions form the nucleus of relevant issues when building with an external platform provider. These are grouped into categories:

  • Product offering
  • Distribution and service quality
  • IT and data management
  • Administration and financial aspects

This chapter of the study presents 12 essential questions that should be asked and answered before embarking on building with an external platform provider.

Value creation & infrastructure of an open insurance platform

Not all platform providers are the same. Providers offer different services for front-end and back-end, which can be assembled modularly.

Core modules include:

  • Technological platform infrastructure
  • Comparison calculators
  • Broker pools
  • End-customer front-end

Learn more about the core and additional modules and their coverage among the examined providers in this chapter.

Provider analysis including profiles Steckbriefe

Based on the provider selection questions in the previous chapter, the leading following platforms from Germany and their individual service offerings were analyzed:

  • blau direkt
  • Fonds Finanz
  • Friendsurance Business
  • Hypoport
  • Jung, DMS & CIE.
  • [pma:]

Find out more about the offerings of the platform providers and the results of the study analysis.

10 factors for a successful platform business

Digital insurance platforms are becoming increasingly important and will ultimately significantly advance the breakthrough of a long-standing all-finance concept. Especially for insurance companies and banks looking to establish and operate a corresponding platform solution, 10 factors are essential elements of success:

  1. Accept the inevitable
  2. Make decisions yourself before they make you
  3. One must make everything as simple as possible – but not simpler
  4. The fault is not always with others…

Find out about all 10 factors and what lies behind them in this chapter.



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