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Here at Business Insider Intelligence, Business Insider's premium research service, our goal is to provide:

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As part of this mission, we spend thousands of hours researching and identifying the core issues you need to know within your key areas of interest. After identifying the core issues, we then exhaustively refine all of the available research into jargon-free straightforward reports. In the past year we've produced over 50 comprehensive reports based on eight areas: Mobile Apps & Plats, Digital Media, E-Commerce, Fintech, Payments, Transportation & Logistics, the Internet of Things, and Digital Health.

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Here's a summary of what you'll find when you receive your complimentary copies of these 8 exclusive reports that ordinarily retail for $4,460:


AI in Banking and Payments

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Artificial intelligence (AI) is one of the most commonly referenced terms by financial institutions (FIs) and payments firms when describing their vision for the future of financial services.

AI can be applied in almost every area of financial services, but the combination of its potential and complexity has made AI a buzzword, and led to its inclusion in many descriptions of new software, solutions, and systems.

This report cuts through the hype to offer an overview of different types of AI, and where they have potential applications within banking and payments. It also emphasizes which applications are most mature, provides recommendations of how FIs should approach using the technology, and offers examples of where FIs and payments firms are already leveraging AI. The report draws on executive interviews BI Intelligence conducted with leading financial services providers, such as Bank of America, Capital One, and Mastercard, as well as top AI vendors like Feedzai, Expert System, and Kasisto.

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Voice in Retail

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Voice assistants, including Amazon's Alexa, Google's Assistant, Apple's Siri, and Microsoft's Cortana, are pegged to trigger widespread transformation across the retail industry in the years to come.

Voice assistants offer an additional level of convenience and speed over other shopping channels, and these advantages are driving consumers to embrace the technology for their shopping needs. Today, 6% of US adults have engaged in some sort of voice shopping, according to Business Insider Intelligence estimates. By 2023, voice commerce adoption is expected to reach 49% of US adults.

As consumer interest for voice technology in retail mounts, brands that embrace voice throughout the entire customer journey stand to pull ahead of competition. Shoppers are interested in using voice assistants for everything from the original product search and discovery, to the purchasing phase, to the post-purchase stage, which includes customer service and checking delivery status. Retailers that take advantage of consumers' desire to leverage voice will be in a stronger position to heighten customer engagement, increase conversion times, drive sales, and boost operational efficiency.

In this report, we examine the trends driving the adoption of voice commerce, detail the role of voice throughout the customer shopping journey, outline how brands can benefit from implementing voice in their strategies, and explore what's ahead for the tech in retail.

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The Insurtech Report

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Tech-driven disruption in the insurance industry continues at pace, and we're now entering a new phase — the adaptation of underlying business models.

That's leading to ongoing changes in the distribution segment of the industry, but more excitingly, we are starting to see movement in the fundamentals of insurance — policy creation, underwriting, and claims management.

In this report, Business Insider Intelligence briefly reviews major changes in the insurtech segment over the past year. We then examine how startups and legacy players across the insurance value chain are using technology to develop new business models that cut costs or boost revenue, and, in some cases, both. Additionally, we will provide our take on the future of insurance as insurtech continues to proliferate.

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The Influencer Marketing Report

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The concept of a brand hiring a popular personality to promote a product or service isn't new, and brands know that celebrity endorsements can sell products. In the age of social media, however, brands are finding new ways to leverage popular figures as brand ambassadors, and these people aren't necessarily famous actors, singers, or athletes.

While brands certainly continue to tap celebrities for endorsement deals, they're also starting to enlist social media personalities, broadly known as "influencers," for advertising campaigns. Social influencers generally focus on specific content areas — like fashion, beauty, parenting, or gaming — and cater their content to a specific vertical.

In this report, Business Insider Intelligence identifies the ways brands can find and manage relationships with social media influencers. We note the most engaging industry verticals, the pitfalls to avoid, and the opportunities to cash-in on. Finally, we explore how major social platforms are increasingly building out tools that enable their most popular users to build their personal brands.

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Digital Commerce and Gen Z

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Generation Z, also known as iGen or Centennials, is arguably the most pivotal generation to the future of retail. By 2026, the majority of Gen Zers will reach adulthood, and their spending power will reach new heights. Retailers and brands need to start establishing relationships with Gen Zers now to ensure success in the years to come.

But Gen Zers, who we define as those born between 1996 and 2010, are different from older generations, and understanding their characteristics and preferences is essential to capturing their attention — and their dollars. Though members of older generations have grown accustomed to using the internet, Gen Zers are the first consumers to have grown up wholly in the digital era. They're tech-savvy, heavy internet users, and mobile-first — and, most importantly, they have high standards for how they spend their time online. Retailers and brands — which have spent more than a decade trying to catch up to millennials' interests and habits after ignoring them and the digital revolution for too long — must leverage Gen Z's tendency to be online at all times, and make sure to meet the generation's heightened digital expectations.

In this report, Business Insider Intelligence explores Gen Z's current shopping habits — both online and in-store — and how those habits might evolve over time. It looks at their spending power, both now and in the years to come, and the drivers that lead them to complete a purchase. It also assesses Gen Zers' unique traits, and the ways that retailers and brands can leverage those characteristics to make them loyal customers.

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The Internet of Things Report

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The Internet of Things (IoT) is transforming how companies and consumers go about their days around the world. The technology that underlies this whole segment is evolving quickly, whether it's the rapid rise of the Amazon Echo and voice assistants upending the consumer space, or growth of AI-powered analytics platforms for the enterprise market.

And BI Intelligence is keeping its finger on the pulse of this ongoing revolution by conducting our second annual Global IoT Executive Survey, which provides us with critical insights on new developments within the IoT and explains how top-level perspectives are changing year-to-year. Our survey includes more than 400 responses from key executives around the world, including C-suite and director-level respondents.

In this report, Business Insider Intelligence details the components that make up the IoT ecosystem. We size the IoT market and use exclusive data to identify key trends in device installations and investment. And we profile the enterprise and consumer IoT segments individually, drilling down into the drivers and characteristics that are shaping each market.

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Digital Health Startups to Watch

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The healthcare industry is facing disruption due to accelerating technological innovation and growing demand for improved delivery of healthcare and lower costs. Tech startups are leading the way by seizing opportunities in the areas of the industry that are most vulnerable to disruption, including genomics, pharmaceuticals, administration, clinical operations, and insurance.

Venture funds and businesses are taking notice of these startups' potential. In the US, digital health funding reached $1.6 billion in Q1 2018, according to Rock Health — the largest first quarter on record, surpassing the $1.4 billion in venture funding seen in Q1 2016. These high-potential startups provide a glimpse into the future of the healthcare space and demonstrate how we'll get there.

In a new report, Business Insider Intelligence looks at the top startups disrupting healthcare in four key areas: artificial intelligence (AI), digital therapeutics, health insurance, and genomics. We selected these startups based on the funding they've received over the past year, notable investors, the products they offer, and leadership in their functional area.

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The Crowdsourced Delivery Report

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As the steady rise of e-commerce pushes logistics companies and their retail partners to deliver more parcels, faster, speedy delivery is becoming a major competitive advantage. And no company has capitalized on this opening like Amazon, which has made a name for itself in fulfillment with its Prime and Prime Now delivery offerings. Now, Amazon's retail competitors — and their logistics partners — are exploring new models and technologies in a race to meet consumers' growing demand for faster delivery. Crowdsourced delivery is one model gaining popularity — it leverages local, nonprofessional couriers to get packages to customers' doors, sometimes in less than an hour. This model allows companies to satisfy consumers' growing demand for faster online deliveries.

In this report, Business Insider Intelligence examines the rise of the crowdsourcing model in the last-mile delivery space, which is becoming a crucial segment of the logistics industry with the growth of e-commerce. We detail the top use cases for crowdsourced deliveries, as well as the benefits and challenges of using this model for delivering online orders. We also provide some insights into how crowdsourced deliveries can be better optimized for retail e-commerce deliveries. And lastly, we explain the long-term potential of the startups populating the crowdsourced delivery space as automation starts to play a bigger role in the last mile.

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