How does “composability” change distribution strategy?

Composability divides financial value chains into micro-capabilities (identify, quote, bind, underwrite, settle, report). Sector distinctions:

Composability divides financial value chains into micro-capabilities (identify, quote, bind, underwrite, settle, report).
Sector distinctions:

Insurance: underwriting & claims become modular

Banking: credit decisioning becomes modular

Wealth: portfolio construction becomes modular

Fintech: uses modularity to scale partners

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