Building the Framework of the InsurTech Ecosystem Business Model Canvas (IEBMC) | Proceedings of the International Academic Conference on Management and Economics

<!DOCTYPE html> <html lang="en-US" xml:lang="en-US"> <head> <meta charset="utf-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0"> <title> Building the Framework of the InsurTech Ecosystem Business Model Canvas (IEBMC) | Proceedings of the International Academic Conference on Management and Economics </title> <meta name="generator" content="Open Journal Systems 3.3.0.14"> <meta name="gs_meta_revision" content="1.1"/> <meta name="citation_journal_title" content="Proceedings of the International Academic Conference on Management and Economics"/> <meta name="citation_journal_abbrev" content="CONFERENCEME"/> <meta name="citation_issn" content="3030-069X"/> <meta name="citation_author" content="Iván Sosa"/> <meta name="citation_author_institution" content="Camilo Jose Cela University, Spain"/> <meta name="citation_author" content="Sergio Sosa"/> <meta name="citation_author_institution" content="InsurTech Research Institute, Spain"/> <meta name="citation_title" content="Building the Framework of the InsurTech Ecosystem Business Model Canvas (IEBMC)"/> <meta name="citation_language" content="en"/> <meta name="citation_date" content="2024/11/23"/> <meta name="citation_volume" content="2"/> <meta name="citation_issue" content="1"/> <meta name="citation_firstpage" content="16"/> <meta name="citation_lastpage" content="52"/> <meta name="citation_doi" content="10.33422/conferenceme.v2i1.637"/> <meta name="citation_abstract_html_url" content="https://www.dpublication.com/conference-proceedings/index.php/CONFERENCEME/article/view/637"/> <meta name="citation_keywords" xml:lang="en" content="InsurTech"/> <meta name="citation_keywords" xml:lang="en" content="Ecosystem"/> <meta name="citation_keywords" xml:lang="en" content="Insurance Industry"/> <meta name="citation_keywords" xml:lang="en" content="IEBMC"/> <meta name="citation_pdf_url" content="https://www.dpublication.com/conference-proceedings/index.php/CONFERENCEME/article/download/637/482"/> <link rel="schema.DC" href="http://purl.org/dc/elements/1.1/" /> <meta name="DC.Creator.PersonalName" content="Iván Sosa"/> <meta name="DC.Creator.PersonalName" content="Sergio Sosa"/> <meta name="DC.Date.created" scheme="ISO8601" content="2024-11-23"/> <meta name="DC.Date.dateSubmitted" scheme="ISO8601" content="2024-09-30"/> <meta name="DC.Date.issued" scheme="ISO8601" content="2024-11-23"/> <meta name="DC.Date.modified" scheme="ISO8601" content="2024-11-23"/> <meta name="DC.Description" xml:lang="en" content="The InsurTech ecosystem transcends becoming a collaborative network of interconnected archetypes of startups that create, deliver, and capture value in this dynamic and evolving industry. This paper explores the InsurTech dynamics of InsurTech firms, focusing on how they contribute to forming an ecosystem within the insurance industry. As a result, a significant research gap has been addressed by examining the InsurTech business archetypes and developing the InsurTech Ecosystem Business Model Canvas (IEBMC). For this purpose, multiple qualitative case studies have been employed to analyze the world's 400 most innovative InsurTech firms from 2020 to 2023, ensuring a representative dataset based on a global InsurTech landscape. This methodology provides a comprehensive understanding of the diverse roles and strategies that InsurTech firms adopt encapsulating the multifaceted approaches these firms employ as part of their value propositions within the insurance industry. This research identifies seven fundamental InsurTech archetypes - Innovator, Disruptor, Enabler, Connector, Protector, Integrator, and Transformer - each uniquely building the InsurTech ecosystem. The novel IEBMC framework presents a comprehensive perspective on how value is created, delivered, and captured, representing a scientifically derived framework and offering a structured approach to understanding and navigating the complex business dynamics of the insurance ecosystem. This framework, based on the findings of Osterwalder's doctoral dissertation, employs a design science approach to systematically analyze business models. It concludes by discussing the future of the InsurTech ecosystem and the dynamics of collaboration between these archetypes, emphasizing the risks of interconnectedness in navigating this rapidly evolving industry."/> <meta name="DC.Format" scheme="IMT" content="application/pdf"/> <meta name="DC.Identifier" content="637"/> <meta name="DC.Identifier.pageNumber" content="16 - 52"/> <meta name="DC.Identifier.DOI" content="10.33422/conferenceme.v2i1.637"/> <meta name="DC.Identifier.URI" content="https://www.dpublication.com/conference-proceedings/index.php/CONFERENCEME/article/view/637"/> <meta name="DC.Language" scheme="ISO639-1" content="en"/> <meta name="DC.Rights" content="Copyright (c) 2024 Iván Sosa, Sergio Sosa"/> <meta name="DC.Rights" content="https://creativecommons.org/licenses/by/4.0"/> <meta name="DC.Source" content="Proceedings of the International Academic Conference on Management and Economics"/> <meta name="DC.Source.ISSN" content="3030-069X"/> <meta name="DC.Source.Issue" 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id="pkp_content_main"></a> <div class="page page_article"> <nav class="cmp_breadcrumbs" role="navigation" aria-label="You are here:"> <ol> <li> <a href="https://www.dpublication.com/conference-proceedings/index.php/CONFERENCEME/index"> Home </a> <span class="separator">/</span> </li> <li> <a href="https://www.dpublication.com/conference-proceedings/index.php/CONFERENCEME/issue/archive"> Archives </a> <span class="separator">/</span> </li> <li> <a href="https://www.dpublication.com/conference-proceedings/index.php/CONFERENCEME/issue/view/115"> Vol. 2 No. 1 (2024): Proceedings of the 8th International Academic Conference on Management and Economics </a> <span class="separator">/</span> </li> <li class="current" aria-current="page"> <span aria-current="page"> Articles </span> </li> </ol> </nav> <article class="obj_article_details"> <h1 class="page_title"> Building the Framework of the InsurTech Ecosystem Business Model Canvas (IEBMC) </h1> <div class="row"> <div class="main_entry"> <section class="item authors"> <h2 class="pkp_screen_reader">Authors</h2> <ul class="authors"> <li> <span class="name"> Iván Sosa </span> <span class="affiliation"> Camilo Jose Cela University, Spain </span> </li> <li> <span class="name"> Sergio Sosa </span> <span class="affiliation"> InsurTech Research Institute, Spain </span> </li> </ul> </section> <section class="item doi"> <h2 class="label"> DOI: </h2> <span class="value"> <a href="https://doi.org/10.33422/conferenceme.v2i1.637"> https://doi.org/10.33422/conferenceme.v2i1.637 </a> </span> </section> <section class="item keywords"> <h2 class="label"> Keywords: </h2> <span class="value"> InsurTech, Ecosystem, Insurance Industry, IEBMC </span> </section> <section class="item abstract"> <h2 class="label">Abstract</h2> <p>The InsurTech ecosystem transcends becoming a collaborative network of interconnected archetypes of startups that create, deliver, and capture value in this dynamic and evolving industry. This paper explores the InsurTech dynamics of InsurTech firms, focusing on how they contribute to forming an ecosystem within the insurance industry. As a result, a significant research gap has been addressed by examining the InsurTech business archetypes and developing the InsurTech Ecosystem Business Model Canvas (IEBMC). For this purpose, multiple qualitative case studies have been employed to analyze the world's 400 most innovative InsurTech firms from 2020 to 2023, ensuring a representative dataset based on a global InsurTech landscape. This methodology provides a comprehensive understanding of the diverse roles and strategies that InsurTech firms adopt encapsulating the multifaceted approaches these firms employ as part of their value propositions within the insurance industry. This research identifies seven fundamental InsurTech archetypes - Innovator, Disruptor, Enabler, Connector, Protector, Integrator, and Transformer - each uniquely building the InsurTech ecosystem. The novel IEBMC framework presents a comprehensive perspective on how value is created, delivered, and captured, representing a scientifically derived framework and offering a structured approach to understanding and navigating the complex business dynamics of the insurance ecosystem. This framework, based on the findings of Osterwalder's doctoral dissertation, employs a design science approach to systematically analyze business models. It concludes by discussing the future of the InsurTech ecosystem and the dynamics of collaboration between these archetypes, emphasizing the risks of interconnectedness in navigating this rapidly evolving industry.</p> </section> </div> <div class="entry_details"> <div class="item galleys"> <h2 class="pkp_screen_reader"> Downloads </h2> <ul class="value galleys_links"> <li> <a class="obj_galley_link pdf" href="https://www.dpublication.com/conference-proceedings/index.php/CONFERENCEME/article/view/637/482"> pdf </a> </li> </ul> </div> <div class="item published"> <section class="sub_item"> <h2 class="label"> Published </h2> <div class="value"> <span>2024-11-23</span> </div> </section> </div> <div class="item issue"> <section class="sub_item"> <h2 class="label"> Issue </h2> <div class="value"> <a class="title" href="https://www.dpublication.com/conference-proceedings/index.php/CONFERENCEME/issue/view/115"> Vol. 2 No. 1 (2024): Proceedings of the 8th International Academic Conference on Management and Economics </a> </div> </section> <section class="sub_item"> <h2 class="label"> Section </h2> <div class="value"> Articles </div> </section> </div> <div class="item copyright"> <h2 class="label"> License </h2> <p>Copyright (c) 2024 Iván Sosa, Sergio Sosa</p> <a rel="license" href="https://creativecommons.org/licenses/by/4.0/"><img alt="Creative Commons License" src="//i.creativecommons.org/l/by/4.0/88x31.png" /></a><p>This work is licensed under a <a rel="license" href="https://creativecommons.org/licenses/by/4.0/">Creative Commons Attribution 4.0 International License</a>.</p> </div> <link rel="stylesheet" type="text/css" href="https://www.dpublication.com/conference-proceedings/plugins/generic/shariff/shariff-3.2.1/shariff.complete.css"> <link rel="stylesheet" type="text/css" href=""> <div><div> <div class="shariff item" data-lang="en" data-services="[twitter,facebook,linkedin,xing,whatsapp,mail,print,telegram]" data-mail-url="mailto:" data-mail-body={url} data-backend-url="https://www.dpublication.com/conference-proceedings/shariff-backend" data-theme="standard" data-orientation="horizontal" data-url="https://www.dpublication.com/conference-proceedings/index.php/CONFERENCEME/article/view/637"> </div> </div> </div> <script src="https://www.dpublication.com/conference-proceedings/plugins/generic/shariff/shariff-3.2.1/shariff.complete.js"></script> </div> </div> </article> <div id="articlesBySimilarityList"> </div> </div> </div> <div class="pkp_structure_sidebar left" role="complementary" aria-label="Sidebar"> <div class="pkp_block block_custom" id="customblock-submission"> <h2 class="title pkp_screen_reader">submission</h2> <div class="content"> <p><a href="https://www.dpublication.com/conference-proceedings/index.php/conferenceme/about/submissions"><img src="/journal/public/site/images/farzam/button-blue.png"></a></p> </div> </div> <div class="pkp_block block_custom" id="customblock-indexed-in"> <h2 class="title">Indexed In</h2> <div class="content"> <p><img src="https://www.dpublication.com/conference-proceedings/public/site/images/conferenceadmin/index51.png" alt="" width="200" height="93"></p> <p><a href="https://scholar.google.com/citations?hl=en&view_op=list_works&authuser=3&gmla=AOV7GLOHycpNBKUzqOi5qgYy5orVYbEBWKAl7_ZVwhKrkvz13NWKS4D73sqQkKum6GrkClMu8Q0g4-bH5flH_w&user=Cs037XYAAAAJ"><img src="https://www.dpublication.com/conference-proceedings/public/site/images/conferenceadmin/index11.png" alt="" width="200" height="93"></a></p> <p><img src="https://www.dpublication.com/conference-proceedings/public/site/images/conferenceadmin/road1-73ea0dcd45b9b2e3a2651eedd6e62014.jpg" alt="" width="162" height="49"></p> <p>  <img src="https://www.dpublication.com/conference-proceedings/public/site/images/conferenceadmin/scilit-logo-c8961eead6ac1e550ccfab74b60c2408.png" alt="" width="142" height="65"></p> </div> </div> <div class="pkp_block block_Keywordcloud"> <h2 class="title">Keywords</h2> <div class="content" id='wordcloud'></div> <script> function randomColor() { var colors = ['#1f77b4', '#ff7f0e', '#2ca02c', '#d62728', '#9467bd', '#8c564b', '#e377c2', '#7f7f7f', '#bcbd22', '#17becf']; 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