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  fter another tumultuous year filled with financial uncertainty, devastating weather events and regulatory changes, insurance companies remain caught in a “double bind,” says Todd Greenbaum, president and CEO of Input 1, a technology company that develops digital billing and payment systems for insurers. “Economic inflation is pushing up claim costs, while climate volatility is making risk harder to price,” he explains. “There’s a trust issue, too. As premiums rise and coverage shrinks, consumers are starting to question the value equation.” Indeed, a 2025 survey from LendingTree and ValuePenguin found that 24% of policyholders don’t think their homeowners insurance is worth the expense, and 34% of policyholders say they’ve reduced their home coverage to save money. Meanwhile, consumers expect insurers to offer tailored policies based on individual needs along with “digital-first, user-friendly tools,” says Greenbaum. “Today’s insurance customer wants the same thing they get from...

  Photo by Avery Evans via Unsplash Luxury growth accelerates amidst weakening sentiment across APAC in 2026 Expansion in this segment concentrates in emerging Asia as mature markets stall. The Asia-Pacific region will remain the world’s largest and fastest-growing consumer market in 2026, but spending patterns will diverge across income groups, age cohorts, and markets, according to AP Economic Insights. The region faces weak consumer sentiment despite economic resilience, with sentiment in Mainland China deflating below 90 in the fourth quarter of 2025 from a peak of 124.4 in mid-2021. Taiwan and Australia also recorded unfavourable sentiment in 2025, whilst New Zealand showed partial recovery but remained below 2020–2021 levels. Youth unemployment remains elevated in key markets. Mainland China recorded a youth jobless rate of 16.9% in November 2025. India, despite stronger hiring performance relative to global peers, is expected to see lower hiring volumes in early 2026. Join R...

  Learn more about Hong Kong's role as a key regional hub for NTT DATA's regional expansion, particularly in the context of the RCEP (Regional Comprehensive Economic Partnership), which is ushering in a new age of regional economic integration. The Regional Comprehensive Economic Partnership (RCEP) has been in effect since 1 January 2022. The recent ratification of the agreement by the Philippines means it is now fully in force. This development, coupled with the notable economic growth in the region, is expected to lead to a boon for digital payment transactions. The e-Conomy SEA 2022 report by Google, Temasek, Bain & Company predicted that there would be strong growth in digital financial services, with both digital payments and digital remittance enjoying double digit annual growth in key ASEAN economies, including Indonesia, Malaysia, Thailand and Viet Nam, through 2025. Reference URL here   HKTDC Research has talked to the NTT DATA to discover the market potential in ...

  NTT DATA retained its position in the top segment of Everest Group's banking and financial services report, earning recognition for its balanced portfolio for risk and compliance in BFS. TOKYO –March 22, 2023 – NTT DATA, a digital business and IT services leader, today announced Everest Group once again has named the company as a Leader in its Risk & Compliance in BFS IT Services PEAK Matrix® Assessment 2023 report. NTT DATA retained its position in the top segment of Everest Group’s banking and financial services report, earning recognition for its balanced portfolio for risk and compliance in BFS. Everest Group chose Leaders based on their proven track records of delivering end-to-end solutions across the risk and compliance value chain and for establishing a long-term vision for managing risk and compliance themes such as climate risk, sustainability, and cybersecurity. The analyst group highlighted NTT DATA’s offerings in consulting, implementation, operations, and applic...

  Shutterstock photo DFI Retail perbarui toko Guardian dan IKEA untuk pengalaman belanja lebih cerdas Bisnis tidak lagi sekadar transaksi, tetapi semakin bersifat advisori. PT DFI Retail Nusantara Tbk mengubah cara kerja toko dan saluran online seiring konsumen Indonesia menjadi lebih selektif dalam pengeluaran, mendorong retailer ini memprioritaskan eksekusi dibanding ekspansi cepat pada bisnis Guardian dan IKEA. “Inisiatif ini bukan langkah yang berdiri sendiri,” kata Diky Risbianto, head of communications and corporate affairs di DFI Retail, kepada Retail Asia. “Langkah-langkah ini mencerminkan bagaimana kami menyesuaikan format ritel agar tetap relevan seiring perilaku konsumen dan ekspektasi pasar berkembang.” Perubahan ini disorot saat briefing hasil kuartal ketiga grup di Jakarta pada Desember, ketika manajemen menekankan momentum stabil di Guardian dan peningkatan operasional di IKEA Indonesia.

  Photo from Envato Hong Kong perluas jaringan layanan primer dalam dorongan reformasi kesehatan Pusat kesehatan akan menyediakan skrining, pemeriksaan kesehatan, dan manajemen penyakit kronis. Hong Kong berencana memperluas jaringan layanan kesehatan primer dengan melibatkan dokter swasta, apotek komunitas, serta tenaga kesehatan penunjang ke dalam district health centres (DHC) sebagai bagian dari reformasi untuk memperluas akses layanan dan mengurangi tekanan terhadap rumah sakit publik. “Layanan primer sebenarnya sudah lama ada, tetapi pencatatan datanya masih kurang,” ujar Lawrence Iu, executive director lembaga kebijakan publik Civic Exchange, kepada Hong Kong Business. “Ke depan, pengawasan tidak hanya diserahkan kepada organisasi profesi, tetapi juga akan berada di bawah kontrol pemerintah.” Pemerintah tengah menyiapkan rancangan undang-undang yang memungkinkan Primary Healthcare Commission membangun jaringan layanan yang lebih luas, menetapkan standar layanan berskala kota,...

  Abdul Barry, director at Radjak Hospital Group Radjak luncurkan unit cepat jantung dan stroke untuk tanggap darurat perkotaan Model ini berpotensi diperluas ke jaringan rumah sakit urban seiring meningkatnya kebutuhan. Radjak Hospital Group meluncurkan Advanced Cardiac & Stroke Response Unit pada November lalu, dengan fokus mempercepat penanganan dua kondisi medis paling kritis—serangan jantung dan stroke—di tengah meningkatnya kasus kardiovaskular serta kepadatan layanan rumah sakit di kawasan perkotaan Indonesia. “Titik awal kami sangat praktis,” ujar Abdul Barry, director Radjak Hospital Group, kepada Healthcare Asia. “Di wilayah perkotaan, jarak dan proses adalah musuh terbesar bagi pasien jantung dan stroke. Unit ini dibangun untuk menghilangkan keduanya.” Urbanisasi telah mengubah pola kebutuhan layanan kesehatan di kota-kota besar Indonesia. Kepadatan penduduk meningkatkan tekanan pada layanan gawat darurat, sementara kemacetan, jarak antarfasilitas, dan alur kerja rum...

  Left to right: Richard Bates, Hong Kong managing partner at Kennedys Law LLP; Etelka Bogardi, a partner at Reed Smith LLP; Andrew Carpenter, partner at Reynolds Porter Chamberlain LLP. Hong Kong tetapkan batas 50% untuk biaya referral asuransi Pihak ketiga yang tak berlisensi sebelumnya bisa menguasai hingga 95% komisi melalui skema rebate tersembunyi. Regulator Hong Kong menetapkan batas 50% untuk biaya referral yang dibayarkan broker asuransi pada polis jiwa jangka panjang dengan profit-sharing, sebagai upaya menekan praktik penjualan oleh pihak tak berlisensi dan rebate komisi tersembunyi yang telah lama menjadi masalah di pasar. Batas ini, yang diterbitkan oleh Insurance Authority, ditujukan untuk situasi di mana broker berlisensi membayar sebagian besar komisinya kepada pihak ketiga tak berlisensi yang memperkenalkan pelanggan. Dalam beberapa kasus, biaya tersebut mencapai 90% hingga 95% dari total komisi, dan kadang dikembalikan ke pelanggan melalui rebate tersembunyi, kata...