Issue Number - 21

Month - June 2015

Selling Insurance in a Multi-cultural Market

By 2020, rapid-growth markets are expected to account for 50 percent of the global GDP when measured at purchasing power parity, 38 percent of the world consumer spending, and 55 percent of the world fixed capital investment.

Although the insurance business in mature markets is growing very slowly or is in some cases saturated, there are encouraging signs of growth in emerging markets such as China, India, central and eastern Europe, and Brazil. These markets are characterized by an increase in the wealth of the middle class, a low rate of penetration of insurance products and services, with incentives from government to introduce insurance products to people in rural areas.

There are four key areas to be looked at for success in the emerging market. They are: meeting unique consumer needs due to diversity in cultures, operational excellence, regulatory compliance, and simplifying and streamlining business models.

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Interesting facts about Wimbledon

Wimbledon is one of the most esteemed tournaments in the arena of international tennis. It is held every year, in the month of June-July, at the All England’s club, in the London suburb of Wimbledon. It is now one of the four Grand Slam tennis tournaments held every year. In a century of its survival, it has gathered astonishing records and interesting facts. Let's read some of these interesting Wimbledon facts.

  • Wimbledon started as only Gentlemen's Single Championship, in which only 22 players participated.
  • Wimbledon is the only major tennis tournament still played on grass.
  • Except for the Gentlemen's Single and Gentlemen's Double, all the other Wimbledon events are played on the rule of best of three sets.
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Wooing Customers with a Multi-lingual e-Commerce Platform

As per a Credit Suisse presentation at the World Economic Forum 2015 at Davos, e-commerce as a share of total retail sales may soon be greater in emerging markets than in developed countries. This demand is driven by expanding incomes and rising Internet access.

Increased use of technology in emerging markets, especially mobile penetration, is today opening up a whole new market for e-tailers globally. Retailers ignoring the huge business potential of this segment, which is multi-cultural and multi-ethnic, and for whom English is not necessarily the primary language of communication or business, will be doing so at their own peril.

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