Aflac virtualizes the customer enrollment experience

At the outset of the pandemic, Aflac’s independent agent/franchise business looked to be a dead duck. The traditional in-person process of insurance agents meeting with prospective customers to discuss policies, sign paperwork, and load it into the company’s client/server system came to a complete halt. While Aflac’s other major division, its business-to-business insurance line, was…

The Blockchain battlefront: Technology, business, and regulation

Comedian John Oliver quipped that cryptocurrency is “everything you don’t understand about money combined with everything you don’t understand about technology.”  He missed another area of notorious confusion: the law.  The great regulatory bureaucracy has awakened to the significance of blockchain-enabled technology, led by the SEC.  The government is certain that cryptocurrency must be regulated,…