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Microinsurance: A Case Study of An Example of the Provider Model of Microinsurance...
This study is part of a case study series designed to review products of some of the more prominent organizations offering insurance products to the poor. There are four general models of insurance: 1) Partner-Agent, 2) Full-service, 3) Mutual and 4) Provider Model. The GRET case study is a...
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The note examines why the take-up of m-banking services has often been slower than anticipated, and highlights the importance of financial education programmes. Using Malcolm Gladwell’s book “The Tipping Point: How Little Things Can Make a Big Difference,” this note...
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Agent Banking and Insurance: Is There A Value Alignment?
Briefing Notes Author: Jitendra Balani, Premasis MukherjeePublished: June 29, 2012
Abstract:
Agent banking is emerging as the preferred conduit to promote financial inclusion globally. However, an agent banking network can sustain only if there is a value alignment for all the stakeholders in the digital eco-system. In this note, we discuss the potential value for stakeholders in a situation where insurance products are offered through agent banking channel. We also highlight the challenges that might arise when implementing insurance products on agent banking channels. Despite the stakeholder value alignment, it is evident that insurance inclusion through agents requires careful planning of product, channel and marketing at both insurer as well as the implementing bank level.
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