In the 1990s and at the beginning of the new century, certain events of wide-ranging importance occurred in developed countries causing considerable changes in the behaviour of civil society as a whole and affecting each individual citizen. Amongst the major items that have been changing the business world and working methods, the first is technological evolution. For example, the development of information science makes it possible not only to use management tools at accessible costs but also to analyse data more completely and exhaustively. One of the most important technological events is change in the world of communications, and in ways of interacting, which has facilitated the globalization and internationalization of industrial and service activities. Information Communication Technology (ICT) and the Internet have brought about far-reaching socio-economic changes. Hence business culture has to change, to be flexible and open to innovation, but also remain homogeneous and compact, recognizable and identifiable. The change involves both internal and external clients, in quantity and quality of knowledge and in the decision-making process. With the growth of business information available comes a corresponding growth in the problems of comparing data and management knowledge. It is therefore necessary to identify route, frequency, methods and agents to turn to. It is also necessary to direct the various functions, to both technical and specialized management of the new technologies, and in particular to managing the cognitive, organizational and decision-making complexities that are emerging from the constant increase in information and in interactions which are both internal and external to business. The latter, in particular, should give cultural support parallel to the impact of ICT, paying particular attention to senior management culture, its uniformity and flexibility in relation to the topics that ICT will stimulate. The insurance business has to confront not only its own market and its own competition, but also itself. That is, its own organizational order, the coherence and compactness of its own cultural models, its own flexibility and its openness to innovation. These changes involve the whole modern world, causing evolution on some markets, including those of Italy, and making it difficult to adapt to changes in external conditions. Population aging is the second issue to which we need to draw attention. This was already evident in the 1970s according to demographers, together with a slowing-down in growth of
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