The State of Australian Insurance APIs

About this paper

The Consumer Data Right opened Australian banking, then energy. It was designated for general insurance, then deferred, then de-prioritised. So Australia holds the complete legal machinery for open insurance and no live obligation to use it — which makes this the sharpest available measurement of what a mandate is actually worth.

The answer is unflattering. The entire public contract surface of Australian insurance turns out to be a vendor default and a leak: QBE’s lifecycle is visible only because Azure API Management publishes catalogues anonymously by default, and Steadfast’s only public API was recovered from a flood-map tool’s JavaScript. Neither was a publishing decision. A startup tops the market while the largest general insurer in the country scores 13.0. The full report maps the resource taxonomy, the rails that replaced standards, three dimensions sitting at absolute zero, provider-by-provider intelligence, and the one build thesis this market uniquely supports.

What's inside

1. Executive summary — the machinery without the obligation
2. The state of the sector — the mandate that stopped short
3. The resource taxonomy — fourteen documents, two accidents
4. The two accidents
5. The composite Kin Score — and the provenance caveat
6. Agent-readiness — three zeros that matter
7. The blueprint
8. Standards — rails instead
9. Security, auth, scopes and consent
10. Provider-by-provider intelligence
11. The investable thesis
12. Where this is going

What you get for $500.00