It is fascinating to see how fast financial services leverage the initial personalised scores built by big tech giants in China to onboard their new customers and enhance their more traditional risk models. Some insurers in China are also using technology to offer services outside the boundaries of traditional insurance through digital ecosystem partnerships. This process has enabled them to leverage new customer interactions and gain deeper risk insights to further personalise their product and services proposition to improve the insurance customer journey. Often times the personalisation of products also requires dynamic risk management features where a strong reinsurance partner is proven to be valuable. Building stronger partnerships with digital partners, accessing more customer data and digital interaction while leveraging developments on artificial intelligence and cognitive systems will enable insurers to activate dynamic risk management.