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Tech & Core ModernisationWhy is product unbundling accelerating?
Digital decouples manufacturing (risk + capital) from distribution (UX + channels). Open banking, embedded insurance, robo-advisory, and BaaS/IaaS…
Digital decouples manufacturing (risk + capital) from distribution (UX + channels). Open banking, embedded insurance, robo-advisory, and BaaS/IaaS enable third-party distribution. Incumbents must defend profit pools and re-bundle value to maintain differentiation.
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