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Insurers are in danger of being “Uber-ised” as technology allows companies from Google to Walmart to undermine the sector’s role of managing risk, the chief executive of Lloyd’s of London is to warn.
Inga Beale will tell the inaugural Financial Times Future of Insurance Conference on Tuesday that so-called big data analysis threatens to disrupt the industry, just as the taxi trade has been shaken by Uber, the ride-hailing mobile app.
SimplyInsured, which helps small businesses compare and purchase employee health insurance plans, has closed a Series A of $5.9 million led by Polaris Partners, with participation from Bessemer Venture Partners, Altair.VC, Corazon Capital, and individual investors.
SimplyInsured’s Series A will be used to increase the size of its sales and marketing team, which currently has five people, to about 20 to 30 employees.
The platform’s algorithm considers the monthly premium paid by each user and the estimated cost of an average year of medical care, before ranking plans based on their total cost. Results are further filtered by the age, location, and other factors specific to each employee, with the goal of finding the least expensive plan based on their medical needs.
“On average, when we walk into an account of with an existing health insurance plan, we are able to find them another equivalent health plan that is $50 to $100 a month less expensive ($500 to $1,000 a year) than what they were previously sold,” says co-founder and chief executive officer Vivek Shah.
SimplyInsured’s rivals include 400,000 local insurance brokers throughout the U.S. and startups like Zenefits and Collective Health that also help SMBs compare and purchase health plans online. Shah says that SimplyInsured’s advantage is its instant quoting technology.
“We have the only 50 state quoting engine for SMBs, and by our cost estimation engine, we can give you apples to apples estimates about the cost of doctors visits, emergency room visits, etc. We are also the only insurance broker that provides every employee with a Mobile ID Card the day their insurance starts.”
For example, Shah claims that SHOP exchanges only compare about 10 to 15 percent of available health plans in a market, while SimplyInsured offers all of them. The site also has features and services like payroll integration, claim fighting support, and 24/7 customer service.
“Bottom line–we offer a comprehensive set of health insurance products with a full benefits management software platform,” says Shah.
Souscrire une assurance auto, habitation (MRH), complémentaire santé et même chiens et chats avec des réductions allant jusqu'à 75% ou 6 à 12 mois de cotisations offertes pour la première année...
C'est ce que propose le groupe DediCom, avec son nouveau site Internet Freeassur.com, aux personnes souhaitant bénéficier du principe des achats groupés entre internautes, inspiré par le désormais célèbre Groupon. « Nous avons pu négocier auprès de très grandes marques d'assurance, des offres et produits avec des avantages, remises et gratuités jamais vus sur le Net », revendique le courtier en ligne. En règle générale, plus il y a de souscripteurs, plus la réduction de tarif est importante.
DediCom entend également permettra la souscription de produits d'assurances « sur étagère comme n'importe quel bien de consommation courante », et banaliser de l'acte de souscription d'une police d'assurance, directement en ligne sur d'autres sites qui lui appartiennent, en particulier ZeAssurance.fr.
Les assureurs partenaires sont Groupe France Mutuelle, Swiss Life, Generali, April, ACE Europe et Européenne de Protection Juridique (EPJ) notamment.
Le site Freeassur.com a été lancé le 15 septembre 2011.
BERLIN -- My flight landed here in Germany’s capital city at about 8 a.m. on Saturday after a long, overnight journey from New York City. Despite my burning, blurry eyes, and having been here only about a day or so, one thing is immediately clear: the startup scene is alive and well in Berlin.
I’m here for a few days this week attending the sixth annual Dell Women’s Entrepreneur Network Summit. It’s an appropriate city for the event. Visit neighborhoods like Mitte and Kreuzberg and at once you are submerged in a vibrant, maturing world of startups, with founders coming here from all around the world.
But, as with any startup hub, Berlin has its flaws, too.
Nestled in northwestern Germany on the banks of Rivers Spree and Havel, Berlin -- as we all should be well aware -- is a city with a complicated history. In 1945, after After World War II, the Western part of the city was controlled by the United States, the United Kingdom and France while the Eastern part was controlled by the then Soviet Union. With the rise of communism came a more permanent division -- the Berlin Wall -- which separated West Berlin from the rest of the country from 1961 until the end of the Cold War in 1989.
Today, Berlin’s 3.5 million residents are creating a bright, new history for their city -- and business is often at the heart of it. “Because Berlin was cut off during the decades of the Cold War, it is a capital again, but not with the usual infrastructure around it,” explains Nicole Simon, a startup mentor and head of publisher sales and blogger relations at Berlin-based blogfoster.com. “The city itself is a startup.”
What attracts entrepreneurs to Berlin
The creative industry is vibrant here -- music, fashion, film, art and design -- and it attracts tourists and entrepreneurs from all over the world. Two other important details that attract businesses: a still relatively low cost of living and a relaxed visa-application process. You can start a tech company in Berlin and attract top software engineers from around the world without jumping through the typical visa process in the U.S.
“The startup scene for me is a very heterogeneous group of people who are intrinsically motivated to change the status quo,” says Markus Schranner, who moved to Berlin in 2011 and serves as chairman of entrepreneur advocacy organization Startup Germany. In addition to the arts, Berlin seems to attract numerous tech companies (green tech, financial tech, insurance, online privacy, etc.) as well as social entrepreneurs, he says.
Berlin’s notable startups include Soundcloud, 6Wunderkinder, ResearchGate, Number26 and Delivery Hero, to name just a few. Larger tech companies also have outposts in Berlin, including Microsoft, Google, Lufthansa and Volkswagen.
The city also boasts numerous co-working spaces (Betahaus, Ahoy Berlin, Cluboffice, etc.) and accelerators (Axel Springer, Berlin Startup Academy, M Cube Incubator, Seedcamp, etc.). Last year, Google Launchpad Berlin, a pre-incubation program, created a nice promotional video. Check it out:
Je crois qu'il s'agit d'une première dans le monde : Benoît Legrand – qui est actuellement directeur général d'ING France – prendra, à compter du 1er octobre prochain, la tête d'une nouvelle activité consacrée à l'écosystème de la FinTech, dans la maison mère de la banque orange, sous l'égide de sa direction de l'innovation.
Le communiqué de presse annonçant la nomination est plutôt laconique. La seule précision supplémentaire qu'il nous donne est que l'objectif pour le nouveau promu sera de développer une stratégie en direction des startups technologique de la finance, dans une logique d'accélération de l'innovation dans la banque. Alors, rêvons un peu à ce que pourrait recouvrir un tel rôle, certainement plus concret que celui des CDO (« Chief Digital Officer ») dont on entend beaucoup (trop ?) parler actuellement…
Si je devais choisir une priorité dans la définition de poste correspondante, je pense que l'établissement de partenariats avec l'écosystème de la FinTech devrait aujourd'hui être la principale mission à remplir. Les consommateurs et les entreprises expriment des attentes nouvelles, auxquelles les établissements traditionnels ne savent pas bien répondre, tandis que les jeunes pousses qui savent apporter les solutions ont des difficultés à nouer les collaborations dont elles ont besoin pour se lancer.
La tâche est donc simple (en apparence, du moins) : il « suffit » d'aller chercher les idées innovantes auprès des entrepreneurs, les accompagner dans la maturation de leurs modèles, expérimenter une mise en œuvre… et, ainsi, avec eux, ouvrir des marchés jusque-là inaccessibles ou décupler l'efficacité des processus existants. La banque y gagne une agilité incomparable, tout en limitant ses risques, quand la startup va profiter de l'occasion pour ajuster sa stratégie et valider sa vision, dans un contexte opérationnel.
Dans un registre légèrement différent, mais qui peut être étroitement associé au précédent, il est aussi possible pour une institution financière de s'inspirer de la FinTech afin de développer une culture d'innovation qui soit ancrée au plus profond de son organisation. Une technique utilisée dans ce but consiste à créer une structure (une sorte d'incubateur ou un lab) dans laquelle les collaborateurs (et pas uniquement ceux de la direction de l'innovation) sont immergés dans un environnement d'entrepreneurs.
Enfin, il restera encore les opportunités d'investissement, qui peuvent également être combinées avec les deux autres approches. Dans ce cas, le défi sera essentiellement d'identifier les futures géantes de la FinTech – à un stade plus ou moins avancé de leur gestation – et de les aider à croître, dans le but soit de réaliser une bonne opération financière soit, plus ambitieusement, de se préparer à en faire les têtes de proue de la banque de demain, quand les anciens modèles se seront effondrés.
Voilà quelques exemples qui donnent crédit à cette idée d'un(e) « Head of FinTech » dans une banque : il y a largement matière à créer un poste dédié et, qui plus est, de ceux qui pourraient transformer le visage de l'entreprise à moyen terme. Il y a deux mois, Benoît Legrand clamait « Changeons la banque !
Nine French startups competed Thursday for recognition in the US when they pitched their business plans to judges at “La French Touch” conference in New York. From handbags, to travel and SIM-less phones, the French say they have it covered.
For the French entrepreneurs hoping to take their business in the other direction, the challenge is to triumph in the same environment that spawned the controversial alternative cabbie app.
That’s not to say the French don’t champion their own startups. Despite its reputation for rigidity and red tape, the French government has invested heavily in new businesses in the past few years, spending €2 million on incubator infrastructure alone since 2013 and allowing entrepreneurs to access up to €1 mln ahead of any external supervision. There have been more French companies on Deloitte’s fastest-growers ranking than any other European country for four consecutive years, and a French company has topped the charts for the past two.
Thursday’s "La French Touch" event featured both France-based startups seeking to break into the American market, and those which are US-based but French-run, or as organisers described them: “Startups [that] have kept their ‘French Touch’ spirit despite their implementation in the USA.”
Interestingly, the four New York-based entrepreneurs seemed to be almost decade younger than their five France-based counterparts, perhaps signalling France’s brain-drain dilemma, which has seen many young graduates leaving the country to launch projects abroad.
US-based startups – all about luxury
First up, “ArtList,” a website that allows people to safely buy and sell fine art, effectively cutting out the 250-year-old duopoly of auction houses Sotheby’s and Christie’s
The Hello Tomorrow Challenge is a global start-up competition in which the most innovative projects can win prize money of up to €100,000.
In 2015, 3,600 innovation projects from 90 countries participated in six tech tracks that will shape the future: IT, Materials & Manufacturing, Energy & Environment, Transportation & Mobility, Food & Agriculture, and Healthcare. At the current stage of the competition, 30 semi-finalists are still in the running for a €15,000 prize (one per category) and a chance to be selected for the Grand Prize of €100,000 (only one winner).
Under the terms of its partnership with Hello Tomorrow, AXA is a sponsor and jury member in the Healthcare category. The finalist of this category will be chosen on June 25th and 26th among these five semi-finalist projects:
INTERVIEW – Fundshop fait partie de cette nouvelle génération de start-up de la finance, les FinTech, qui veulent révolutionner la gestion de l'épargne par la mise en œuvre de conseils automatisés, via l'assurance vie dans le cas présent. Les explications de son cofondateur, Leonard de Tilly.
Toutsurmesfinances.com : A quoi sert Fundshop ?
Leonard de Tilly, cofondateur de Fundshop : C'est un outil qui permet à tout particulier disposant d'un peu d'épargne de construire et de gérer son portefeuille à l'intérieur de son contrat d'assurance vie. Fundshop ne vend pas de contrats ni de fonds, ne perçoit pas de commissions de souscription ni de rétrocessions. Notre seule et unique vocation est d'aider les épargnants français à exploiter à 100% le potentiel de performance de leur contrat.
Comment ça marche ?
Fundshop est une application disponible en ligne, qui a pour but de composer sans intervention humaine des allocations sur-mesure partant de votre contrat existant, alliant performances raisonnables et risque maîtrisé. L'outil s'appuie sur des algorithmes robustes, des concepts mathématiques éprouvés de gestion de portefeuille basés sur la diversification, tprincipe développé initialement par l'économiste Harry Markovitz dans les années 1950. Nous n'avons pas inventé de formule magique, nous donnons simplement la possibilité aux épargnants d'interroger des algorithmes fiables, sans qu'il soit nécessaire d'être un expert en finance.
« Un outil d'optimisation de votre contrat existant »
Comment l'idée vous est-elle venue ?
Après sept ans passés en salle des marchés à la Société Générale, j'ai vécu deux ans à New York pour y faire un MBA. J'ai eu l'occasion d'y rencontrer à leurs débuts les fondateurs de Wealthfront, l'un des premiers outils d'aide à la gestion de l'épargne s'appuyant sur un algorithme quantitatif – on parle de robo-advisor - qui gère désormais plus de 2 milliards de dollars. La présentation de cette application fut une vraie révélation, c'était exactement l'outil dont j'aurais rêvé pour gérer mon épargne. Etant dans une dynamique entrepreneuriale, je me suis accroché à cette idée. Cela m'a conduit à créer mon entreprise avec Florian de Miramon en avril 2013 en vue de développer une solution adaptée au marché français. Ce qui nous a naturellement conduits à nous pencher sur l'assurance vie, l'enveloppe fiscale la plus intéressante pour placer son épargne mais où le fonds en euros est encore trop prédominant.
En pratique, comment utiliser votre outil ?
Vous pouvez utiliser Fundshop gratuitement, sans nécessairement avoir de contrat d'assurance vie. Après avoir défini en ligne votre profil de risque et votre espérance de rendement, vous pouvez construire un portefeuille fictif. C'est intéressant sur le plan intellectuel, mais cela ne vous fera pas gagner d'argent ! L'intérêt de notre solution réside dans l'optimisation de votre contrat existant. Nous avons développé un connecteur qui permet de lire sa composition, puis d'effectuer un diagnostic de risque et de performance. Selon vos contraintes personnelles, votre horizon de placement et votre profil, l'application va générer une allocation optimisée et sélectionner des fonds ou ETF (fonds indiciels cotés, NDLR) éligibles à votre contrat.
The same innovation tech brought to finance and consumers is coming for what the U.S. Treasury calls the $1 trillion-per-year domestic insurance market.
Much like the way Groupon leveraged the buying power of groups and peer-to-peer lender Lending Club cut out the middle man to offer lower rates for borrowers, new start-ups are looking to lower insurance premiums and open the door to outside investors. (Tweet This)
In some cases, it's even the same group of people. Visar Nimani, Lending Club's former CTO, spent months with his team—including fellow Lending Club alumni—exploring how to apply the same marketplace they built for loans to the insurance sector at his new start-up, Uvamo.
"Insurance companies obviously make significant amounts of money, they run commercials," he joked. "But the average investor hasn't had a way to get involved with that." Uvamo wants to change that.
Today, the insurance business tends to have high overhead costs, and too much of the premiums consumers pay aren't purely going into covering losses, Nimani said.
Uvamo, which plans to launch by the end of the year, aims to cut administrative costs by offering property and casualty insurance direct to consumers online. Those policies can then be diversified and grouped into a pool, which collects all the premiums paid by the policyholders.
There's also an opportunity for outside investors, who can invest money to back that pool of policies, making up the required capital reserve.
Investors—and Uvamo—profit from whatever money's left in the premium
Entrepreneurs are well known for being fearless, independent risk takers. However, in reality, many entrepreneurs find themselves facing personal challenges that can be overwhelming. In fact, San Francisco researcher Michael A. Freeman, who is conducting an analysis at The Entrepreneurship Center at the University of California, San Francisco, reports a higher rate of mental health conditions like depression among entrepreneurs compared to the general population.
The personal challenges facing entrepreneurs can range from protecting their own finances as they build their startups to finding the peer support they need to make it through the inevitable difficulties they face. What can entrepreneurs do to maintain their sanity as they build their startup's success?
Experts weigh in on three key ways:
• Take Care of Your Personal Finances: It can be tempting for an entrepreneur to keep all assets tied up in the business. While in the early days this approach may be necessary, it is high risk and can yield high levels of stress over time. As soon as they are able, entrepreneurs should take care of their personal finances by diversifying their asset allocation.
Michael Svec, a Senior Vice President and Financial Advisor at Morgan Stanley's K Street office in Washington, DC, calls asset allocation "the key to successful long-term investing." Svec notes, "Investing in different classes can help manage risk and may reduce volatility. This helps you avoid making bad short-term decisions that can occur when you have a concentrated portfolio."
By finding a financial advisor they trust and who can help them to diversify and allocate assets appropriately, entrepreneurs will have greater confidence in the state of their personal finances, which will go a long way to reducing stress.
• Invest in Peace of Mind: Injury, death and lawsuits -- a few of the less obvious risks entrepreneurs face -- can lead to many sleepless nights. One way to guard against the stress of these catastrophic risks is to have proper insurance.
Paul Weinberg, an independent risk-management professional based in the Washington, DC area, underscores the importance of giving thought to "protecting what you have created, as well as how best to protect your family." Fortunately, notes Weinberg, "just like the startup environment, the insurance industry offers a wide variety of products to address different challenges. Insurance can be used not just to mitigate obvious risks, but support tax-management and other business planning strategies, as well."
Begin by getting a referral to a great insurance professional from another entrepreneur. Don't have a great network to rely upon for referrals and advice? Read on.
• Seek Peer Support: The entrepreneurial journey can be exciting and rewarding -- but also potentially lonely. Amy Gleklen, a Chair with Vistage, a peer advisory organization, advises entrepreneurs to "take advantage of joining a peer advisory group and learning from others who have been there or are there. There are so many benefits to surrounding yourself with like-minded folks."
Peer support will go a long way to letting entrepreneurs know they are not alone, and provide a great resource to which they can turn during difficult moments.
The Bottom Line
Being an entrepreneur is full of risks -- not the least of which is the risks to the entrepreneur's own well being. These three steps are simple ways to mitigate some of those personal risks and increase your peace of mind as you work to find startup success.
« On est parti avec l’idée de s’installer ici mais sans plan précis. Maintenant c’est clair », affirme Philippe Laval, 49 ans, fondateur de la start-up Evercontact, qui fait le tri dans vos boîtes mail pour mettre à jour vos carnets d’adresses à votre place. Dix semaines après avoir suivi le programme d’accélération Ubi i/o conçu par Business France en partenariat avec BpiFrance, Philippe Laval loue désormais des locaux à San Francisco et a engagé une première personne au marketing. Il a aussi beaucoup appris sur lui. Sur sa boîte. « Ces deux mois ont joué sur tout », poursuit-il, lui, qui a levé un million de dollars avant de partir.
Il y a trois semaines, Il a gagné le World Cup Tech Challenge (coupe du monde des start-up récompensant les meilleures innovations) dans la catégorie entreprise. Pourtant, ce n’était pas forcément gagné d’avance. « La première fois que j’ai pitché devant des investisseurs américains, je me suis fait massacrer », raconte-t-il. Mais porté par « le dynamisme » de la Silicon Valley, il a appris et s’est adapté.
ANI, assurez votre rentabilité grâce à la contractualisation numérique
Dès le 1er Janvier 2016, toutes les entreprises devront proposer une complémentaire santé à leurs employés. La majorité de vos adhérents vont donc résilier leur assurance personnelle afin de souscrire celle de leur entreprise.
La vente d’une offre collective à minima et à bas prix aux entreprises n’assurant pas vos marges, votre levier consiste à vendre des surcomplémentaires aux salariés.
L’exploitation de données intelligentes et la contractualisation numérique permettent de proposer une offre personnalisée au salarié qui pourra y souscrire en quelques clics. Elle réduit vos coûts en dématérialisant l’expérience client (signature électronique, vérification à la volée des justificatifs, relance commerciale, etc.).
INTERVENANTS
David ÉMO
Reponsable produit
Netheos
Frédéric BOY
Directeur Général
Widmee
AGENDA
Quelles problématiques soulève la mise en place de l’ANI ?
Comment mieux qualifier les besoins de garanties complémentaires des salariés ?
Comment concrétiser la souscription des surcomplémentaires et fidéliser vos clients ?
Comment la dématérialisation réduit vos coûts de gestion de 70% ?
Concrètement, quelle expérience client ?
Les solutions de Widmee et de Netheos : qu’avez-vous à y gagner ?
Démonstration.
Nousvous invitons à participer à un webinar le jeudi 2 Juillet à 11h00pour une présentation de 30 min suivie d’une séance de questions/réponses de 15 min.
I had this idea of “open research” where a group of volunteers and I would coordinate doing research on a company and publicly share everything we learn including the results and process we used. This is the first article about the research…
With the first open research project we’re analyzing a survey that received over 700 responses from people who use Slack. It’s a great sample company for open research because of its current popularity and the hyper-growth the company is experiencing. After all, Slack is already being used by over 750,000 people each day.
Forget about your supermarket and buy directly from your local farmers and foodmakers. French startup La Ruche qui dit oui (also known as The Food Assembly in the U.K.) has been making waves in its home country for a while now. But it seems like international investors also got the word as Fred Wilson from Union Square Ventures and Frédéric Court from Felix Capital are leading a $9 million Series B round (€8 million) in the food startup, with XAnge and Quadia also participating. This startup is fascinating for many reasons — La Ruche may have found the most efficient business model when it comes to building a food startup.
“Last year, we launched in the U.K., Germany, Spain and Italy. This round means that we need to solidify our existing markets,” co-founder and CEO Marc-David Choukroun told me. “We need to go faster when it comes to our innovation power.”
NEW YORK – AXA announced today that it will serve as the lead sponsor and host of the La French Touch Conference (LFTC), an event bringing together leading French and American innovators and entrepreneurs to share their experiences and successes. The second annual event will be held at The AXA Center, 787 Seventh Avenue, in New York City, June 24 - 25.
The two-day conference, organized by AXA and La French Tech, will create a forum for attendees and participants to debate and promote shared experiences driving digital transformation and entrepreneurship on both sides of the Atlantic. Last year’s inaugural event attracted several hundred attendees, including CEOs of startup companies, investors and journalists.
Speakers this year will include visionaries, entrepreneurs and venture capitalists from a wide range of brands, including Sigfox, FF Ventures, Placemeter, French designer Ora Ito, Sketchfab, Techstars, and many more. A featured attendee this year will be Emmanuel Macron, the French Minister of Economy, Industry and Digital Affairs, who will present closing remarks on the first day of the conference. Mr. Macron will be joined by Axelle Lemaire, the French Minister of Digital Affairs.
“Following last year’s highly successful event, we look forward once again to convening some of the brightest innovators and thinkers in the startup world,” said Frédéric Tardy, Group Chief Marketing and Distribution Officer of AXA. “AXA is a proponent of digitalization within the insurance industry, and this event will pave the way for the creation of new ideas that will further strengthen the relationship between the American and French tech networks.”
With this conference, AXA has formed a partnership with La French Tech, a group that connects and supports people working for and with French startups around the world. The La French Tech ecosystem includes entrepreneurs, investors, engineers, designers and developers, among others. AXA is committed to empowering entrepreneurs around the globe, having launched Data Innovation Labs, AXA Labs in Silicon Valley and Asia, and AXA Strategic Ventures, a €200 million venture capital fund dedicated to fostering entrepreneurial discovery in insurance and financial services.
In addition to hosting and sponsoring the event, the following AXA senior experts will also participate:
Priscilla Brown, Chief Marketing Officer, AXA US
Manish Agarwal, General Partner, AXA Strategic Ventures
Bastiaan de Goei, Business Development Manager, AXA Lab
Cedric Mathorel, Product and Pricing Director, AXA France P&C
Gaelle Moyere, Head of the Incubator, AXA Global Direct
Representatives from AXA Strategic Ventures portfolio companies, including Flyr and Evercontact, will also be present.
AXA Sponsors La French Touch Conference Promoting Digital Innovation
and Entrepreneurship between France and the US
NEW YORK--(BUSINESS WIRE)--AXA announced today that it will serve as the lead sponsor and host of
the La French Touch Conference (LFTC), an event bringing together
leading French and American innovators and entrepreneurs to share their
experiences and successes. The second annual event will be held at The
AXA Center, 787 Seventh Avenue, in New York City, June 24 - 25.
“Following last year’s highly successful event, we look forward once
again to convening some of the brightest innovators and thinkers in the
startup world”
The two-day conference, organized by AXA and La
French Tech, will create a forum for attendees and participants to
debate and promote shared experiences driving digital transformation and
entrepreneurship on both sides of the Atlantic. Last year’s inaugural
event attracted several hundred attendees, including CEOs of startup
companies, investors and journalists.
Speakers this year will include visionaries, entrepreneurs and venture
capitalists from a wide range of brands, including Sigfox, FF Ventures,
Placemeter, French designer Ora Ito, Sketchfab, Techstars, and many
more. A featured attendee this year will be Emmanuel Macron, the
French Minister of Economy, Industry and Digital Affairs, who will
present closing remarks on the first day of the conference. Mr. Macron
will be joined by Axelle Lemaire, the French Minister of Digital Affairs.
“Following last year’s highly successful event, we look forward once
again to convening some of the brightest innovators and thinkers in the
startup world,” said Frédéric Tardy, Group Chief Marketing and
Distribution Officer of AXA. “AXA is a proponent of digitalization
within the insurance industry, and this event will pave the way for the
creation of new ideas that will further strengthen the relationship
between the American and French tech networks.”
Rawpixel Ltd. | Getty Images
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