golos_dobra (golos_dobra) wrote,
golos_dobra
golos_dobra

for future reference




Spatial Competition among Financial Service Providers and Optimal Contract Design



Systemic Risk and Stability in Financial Networks

‎Cited by 674


Diversification of geographic risk in retail bank networks: evidence from bank expansion after the Riegle-Neal Act

Cited by 32


Capital requirements in a quantitative model of banking industry dynamics

Cited by 63

Любопытно, что в данном конкретном случае система даже перестаралась - ну в самом
деле, можно было ожидать чистым шумом хотя бы несколько отсылок, но нет - зияющая
пропасть вместо, зачищено все
по максимуму. Что само по себе предельно свидетельством куда больше, что силы действуют
против весьма и весьма могущественные для такой-то потрясающей зачистки инфопространства.
Зато где система хочет и поощряет нужные для себя результаты, там просто
Эверест торчит вызывающе.

Вот и нате вам пожалуйста, куда уж дальше доказательством.
Бесполезно все, что ни делай, просто бери зубную щетки и скреби очко
как тебе указано, больше нечего ждать и надеяться.

Контент заморожен навечно.
Автор ушел в оффлайн чистить канализацию подручным сантехника,
и больше никогда не будет
тревожить умы лишними воплями.


https://www.forbes.com/sites/omribarzilay/2018/01/22/insurtech-startup-hippo-grabs-25-million-in-series-b-financing/

California-based insurtech company Hippo has announced today it secured $25 million in Series B funding, led by Comcast Ventures and Fifth Wall and joined by other top fintech investors. Founded by serial entrepreneurs Assaf Wand and Eyal Navon, Hippo is aiming at reimagining homeowners insurance with a customer-centric model by leveraging big data, like municipal building records, and innovative technology, such as satellite imagery and smart home devices, to streamline the quote and onboarding experience.
Insurtech is one of the hottest areas of fintech right now, and Hippo’s announcement is coming just a few weeks after SoftBank announced its $120 million investment in competitor Lemonade and a few months after Jetty announced its $11.5 million series A. According to Wand, Hippo stands out as it is focused on homeowners and not renters. "Lemonade and Jetty have developed business practices and customer service around renters insurance, which is, at its core, an entirely different product. Renters are looking for replacement coverage on their individual assets, plain and simple. Homeowners invest their life savings into their homes - it’s where they store the things they love most and live life with their families. It’s a more complex situation that requires a comprehensive product,” said Wand.


Since its launch in California in April 2017, the company has expanded to Arizona and Texas, reporting double-digit growth month-over-month in each market. Hippo will continue expanding its reach to additional states throughout the year and is aiming to reach 60% of the U.S. population by the end of 2018. According to Wand, Hippo’s tech team mastered the art of turning each new states regulatory requirements, bringing them into a simplified backend platform and testing them to ensure for efficient, flawless launches in each new state in as little as two weeks, whereas it takes traditional insurers nearly 12-months to launch in a new state.

Besides launching in three states, the company reports it improved its 60-second quote process, based on direct feedback from customers and new API data integrations, so very little of the application work falls to the client. Additionally, it developed a 24/7 claims concierge team that manages all claims from start to finish with proactive outreach and upfront safety care (think getting your family into a hotel immediately after a house fire instead of talking you through your claims numbers), anticipating clients’ needs throughout the claims process.



Hippo
Assaf Wand, CEO and co-founder of Hippo
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