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To successfully deal with low interest rates, life insurance companies should become leaner and focus more on the customer by introducing new products or employing innovative business models. This article argues that, although the Holy Grail in this regard has not yet been found, without digitization all attempts will end in vain. By introducing a digital ecosystem management platform, we show how innovation can take place in an environment empowered by technology.

First published in: I.VW Management-Information - St. Galler Trendmonitor für Risiko- und Finanzmärkte, 1/2016, pp. 15 - 19