InsurTech intelligence · 2026 edition
Search real insurance initiatives, inspect who is doing what, and trace each pattern back to the research model behind it.
ESResearch shaped byDr. Emanuel StoeckliFrom a market signal to the evidence behind it.
From evidence to decision
The observatory makes the research logic explicit: start with observable innovation characteristics, identify the capability being built, then test its implications for value creation and industry structure.
Read the open-access research paper ↗Real initiatives and cases make the phenomenon observable.
208 innovations in the original study
Concrete design choices describe what each initiative changes.
52 empirically derived characteristics
Characteristics combine into reusable sources of competitive advantage.
14 capability building blocks
Capabilities connect infrastructure, service provisioning, and network promotion.
3 interdependent activities
Leaders assess cost, value, sovereignty, partnerships, and intermediary roles.
Firm and industry-level decisions
Executive brief
Interpretive prompts grounded in the published research and the current catalog. Role counts overlap because one initiative can occupy several positions.
Pattern 01 · Value creation
The research argues that disruptive potential emerges when infrastructure, service provisioning, and network promotion are continuously aligned—not from one capability in isolation.
Trace the capabilities →Pattern 02 · Ecosystem
Digital players can assume aggregation, facilitation, matching, and trust roles. The strategic question is where an insurer must own the relationship—and where partnership creates more value.
Inspect the evidence ↗Catalog signal · Current data
308
Start-up tagged
125
Service provider tagged
Explore overlapping organizational roles instead of assuming a clean incumbent-versus-start-up divide.
View service providers →Research to operating system
2016
The first classification lens organized digitalization across insurance activities.
2017
A network view captured interdependent actors, activities, and service relationships.
2018
The model connected 52 characteristics and 14 capabilities to value creation.
2026
The research asset becomes an accessible, governed intelligence platform.
The researcher behind this lens
Dr. Emanuel
Stoeckli
InsurTech research · digital transformation
A note from Emanuel
I’m Dr. Emanuel Stoeckli, co-author of the foundational study on how digital innovations reshape value creation in insurance. With Christian Dremel and Falk Uebernickel, I examined 208 innovations and developed a model of 52 characteristics and 14 transformational capabilities. This observatory brings that research into conversation with a living catalog, so you can explore the evidence and draw your own strategic conclusions.
Innovation explorer
Search the complete catalog by organization, mission, market, or insurance line. Refine by the role each organization plays in the emerging ecosystem, or by what became of it by 2026.
No filters applied · showing the complete catalog
6 innovations
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now ManyPets
Together, our members are making insurance companies listen. Bought By Many is a free, members-only service that helps you find insurance for the things in your life that are out of the ordinary. They negotiate discounts and cash back offers for their members.
The application that simplifies the insurance: more transparent , more accessible and easy to understand.
Deine Versicherungen, eine App Mit GetSafe managst du alle deine Versicherungen digital in einer App.
now VIA Versicherung AG (formerly wefox Insurance AG, originally ONE Insurance AG)
ONE Insurance advertises with "Simply Smart Insurance". Hausrat und Haftpflicht in 3 Minuten. Insurance Built Around Your Life. No Blabla. 100% Digital. Already have an insurance? We cancel it for you.
now Edgify
A data analytics SaaS company, provides computer-vision technology that can analyze a customer's public online photo galleries to create a personal risk profile.
now Sure
On-demand life insurance that will last from take-off to landing
Third taxonomy
REVIEW · Confirmed the current AI-layer positioning on sureapp.com and evidenced the B2B embedded-infrastructure model with the October 2021 Series C (FinTech Global), added as a source. Replaced the milestone that mislabelled a 2026 website observation as a 'pivot' event.