The “Bottom of the Pyramid” market for retail banking and insurance in France in 2050[Scenario] by Amine Habiballah, Lauren Haddon, Hugo Lambert, Jordane Lagneaux, Vaïté Leprince-Ringuet, Claudia Pöpperl

2009-06-22

The authors were part of the “Alternative Management” third year program in HEC in 2008/2009

Our study imagines the possible futures of the « Bottom of the Pyramid » market for two categories of services that can be qualified as « of public interest », banking and insurance. Will the State firmly constrain these services, so as to guarantee a just access to all? Will the market « dictate its law » to the most destitute? Which other types of organization could take advantage of the weaknesses of the system to develop an alternative offer? How will the role of the poor in our society evolve? The scenarios that we have determined draw three possible worlds for the future, between which great differences are observed. We do not bring final answers, but by this study aim to contribute with elements of reflection for insurance companies, and in particular mutual companies, to define their strategy in anticipation of possible risks and changes.

Quote article  Amine Habiballah, Lauren Haddon, Hugo Lambert, Jordane Lagneaux, Vaïté Leprince-Ringuet, Claudia Pöpperl, « The “Bottom of the Pyramid” market for retail banking and insurance in France in 2050 », 22 june 2009, Alternative Management Observatory (AMO), [Scenario]
http://appli6.hec.fr/amo/Articles/Entry/Item/86.sls

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