Nomad and unemotional personality. Here is how the 4.0 client will look. So, how can we read these peculiarities to direct them in the right path? Are there any business models that can incorporate this cultural and social change? A lot of Insurers realized that, in order to operate in the current market, it’s no longer enough to propose a linear strategy, but it becomes necessary to catch customers within an ecosystem of services in which the goal is to enter into the habits of the end consumers.