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
329
Start-up tagged
140
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.
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