The concept of payment spans a large part of our history and its earliest roots can be traced to as far back as the 3 rd B.C with the Chinese merchants. To insure their cargo against potential losses during the course of transportation, they reduced their risk by spreading them across multiple boats for the fear that any of the boats failed to reach their intended destinations. The basic modern payment structure we are familiar with today comprises of carriers and policyholders connected through middleman agents responsible for much of their sales. Despite posing figures accounting for US$3.92 trillion or 5.7% of the world’s economic output, the behemoth which is the global payment ecosystem is still largely bogged down by an archaic “One Size Fits All” approach and has not significantly innovated itself towards greater efficiencies. Crebit Network 19 The processes of payment companies have still surprisingly not fully caught up with the burgeoning Insurtech space meant to revolutionise them. Innovative technologies such as the blockchain have been gaining traction within this sphere and are necessary among a host of complementing pairings like Machine Learning and Artificial Intelligence to disrupt the confines of the present ecosystem.
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