Europe Blockchain Market to Grow at a CAGR of 73.8% to reach US$ 59,142.33 million from 2021 to 2028

Europe Blockchain Market Forecast to 2028 - COVID-19 Impact and Regional Analysis By Component (Solutions and Services), Application (Payments, Exchanges, Smart Contracts, Documentation, Digital Identity, Governance, Risk and Compliance, and Others), and Industry Vertical (BFSI, Retail, Government, Transportation & Logistics, Healthcare, Automotive, Media & Entertainment, and Others)

  • Report Code : TIPRE00027781
  • Category : Banking, Financial Services, and Insurance
  • Status : Published
  • No. of Pages : 167
Buy Now

Europe Blockchain Market to Grow at a CAGR of 73.8% to reach US$ 59,142.33 million from 2021 to 2028

Buy Now

The blockchain market in Europe is expected to grow from US$ 1,234.08 million in 2021 to US$ 59,142.33 million by 2028; it is estimated to grow at a CAGR of 73.8% from 2021 to 2028.

Blockchain technology is still in its emerging phase; however, the skyrocketing growth in the adoption of blockchain across diverse industry verticals has attracted a lot of attention from well-established players such as IBM and Microsoft and the startups. In the past few years, many startups have emerged in the blockchain market majorly due to the immense amount of funds being poured in by venture capitalists. These tech-savvy, robust, and "think-big" startups are shaking the Blockchain market with innovative and disruptive Blockchain solutions. Startups are also working with independent consortia to develop Blockchain solutions for various industries ranging from banking to entertainment. There is a huge influx of well-funded startups in the blockchain market. The positive outlook on the part of funding and startup activity is expected to boost the growth of the blockchain market in various industries such as BFSI, retail, government, logistics, and healthcare. Examples of successful Blockchain adoption by big players to streamline diverse business functions include Walmart, Maersk, British Airways, UPS, and FedEx. Cost reduction and cost savings are major priorities for any business. Blockchain eliminates unnecessary third parties or intermediaries to reduce time and costs. With all these advantages, Blockchain enables businesses to improve operational efficiency and transparency and lower operating costs, thereby helping them enhance service quality and customer experience, which drive the Europe blockchain market during the forecast period.

The COVID-19 pandemic is expected to have a positive impact on market growth. During the COVID-19 pandemic, various sectors adopted blockchain technology to improve the supply chain due to its ability to overcome the challenges faced by traditional supply chains, such as inefficiency and excessive costs. Businesses have used blockchain technology to facilitate contract, supply chain, and financial activities during the last decade.

 

Europe Blockchain Market Revenue and Forecast to 2028 (US$ Million)

 

 Europe Blockchain Market Revenue and Forecast to 2028 (US$ Million)
  • Sample PDF showcases the content structure and the nature of the information with qualitative and quantitative analysis.
  • Request discounts available for Start-Ups & Universities

Europe Blockchain Market Segmentation   

Europe Blockchain Market – By Component

  • Solutions
  • Services

Europe Blockchain Market – By Application

  • Payments
  • Exchanges
  • Smart Contracts
  • Documentation
  • Digital Identity
  • Governance, Risk and Compliance
  • Others

Europe Blockchain Market – By Industry Vertical

  • BFSI
  • Retail
  • Government
  • Transportation and Logistics
  • Healthcare
  • Automotive
  • Media and Entertainment
  • Others

Europe Blockchain Market– By Country

  • Germany
  • UK
  • France
  • Italy
  • Russia
  • Rest of Europe

Europe Blockchain Market-Companies Mentioned

  • Accenture
  • Amazon Web Services
  • Bitfury Group Limited
  • Hewlett Packard Enterprise Development LP (HPE)
  • IBM Corporation
  • Intel Corporation
  • Microsoft Corporation
  • Oracle Corporation
  • Ripple Labs Inc.
  • SAP SE
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

This text is related
to country scope.

1. Introduction

1.1 Scope of the Study

1.2 The Insight Partners Research Report Guidance

1.3 Market Segmentation

1.3.1 Europe Blockchain Market – By Component

1.3.2 Europe Blockchain Market – By Application

1.3.3 Europe Blockchain Market – By Industry Vertical

1.3.4 Europe Blockchain Market – By Country

2. Key Takeaways

3. Research Methodology

3.1 Coverage

3.2 Secondary Research

3.3 Primary Research

4. Europe Blockchain Market Landscape

4.1 Market Overview

4.2 PEST Analysis

4.2.1 Europe

4.3 Ecosystem Analysis

4.4 Expert Opinion

5. Europe Blockchain Market – Key Market Dynamics

5.1 Market Drivers

5.1.1 Extensive Adoption of Blockchain Solutions in BFSI Industry Vertical

5.1.2 High Transparency and Operational Efficiency with Substantial Cost Savings

5.1.3 Rise in Innovative Start-ups

5.2 MARKET RESTRAINTS

5.2.1 Data Privacy, Confidentiality, and Security Concerns

5.2.2 Unclear Regulatory Environment

5.2.3 Interoperability, Scalability, and Sustainability Challenges

5.3 MARKET OPPORTUNITIES

5.3.1 Increasing Government Support and Initiatives

5.3.2 Increasing Demand for Blockchain-as-a-Service Due to COVID-19 Pandemic

5.4 FUTURE TRENDS

5.4.1 Combination of Blockchain and Artificial Intelligence for Advanced Applications

5.4.2 Application of Blockchain in Vaccine Manufacture and Tracking

5.5 Impact Analysis of Drivers and Restraints

6. Blockchain Market – Europe Market Analysis

6.1 Europe Blockchain Market Overview

6.2 Europe Blockchain Market Forecast and Analysis

7. Europe Blockchain Market – By Component

7.1 Overview

7.2 Europe Blockchain Market, by Component (2020 and 2028)

7.3 Services

7.3.1 Overview

7.3.2 Services: Europe Blockchain Market– Revenue and Forecast to 2028 (US$ Million)

7.4 Solutions

7.4.1 Overview

7.4.2 Solutions: Europe Blockchain Market– Revenue and Forecast to 2028 (US$ Million)

8. Europe Blockchain Market – By Application

8.1 Overview

8.2 Europe Blockchain Market, by Application (2020 and 2028)

8.3 Payments

8.3.1 Overview

8.3.2 Payments: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

8.4 Exchanges

8.4.1 Overview

8.4.2 Exchanges: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

8.5 Smart Contracts

8.5.1 Overview

8.5.2 Smart Contracts: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

8.6 Documentation

8.6.1 Overview

8.6.2 Documentation: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

8.7 Digital Identity

8.7.1 Overview

8.7.2 Digital Identity: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

8.8 Governance, Risk and Compliance

8.8.1 Overview

8.8.2 Governance, Risk and Compliance: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

8.9 Others

8.9.1 Overview

8.9.2 Others: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

9. Europe Blockchain Market – By Industry Vertical

9.1 Overview

9.2 Europe Blockchain Market, by Industry Vertical (2020 and 2028)

9.3 BFSI

9.3.1 Overview

9.3.2 BFSI: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

9.4 Retail

9.4.1 Overview

9.4.2 Retail: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

9.5 Government

9.5.1 Overview

9.5.2 Government: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

9.6 Transportation and Logistics

9.6.1 Overview

9.6.2 Transportation and Logistics: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

9.7 Healthcare

9.7.1 Overview

9.7.2 Healthcare: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

9.8 Automotive

9.8.1 Overview

9.8.2 Automotive: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

9.9 Media and Entertainment

9.9.1 Overview

9.9.2 Media and Entertainment: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

9.10 Others

9.10.1 Overview

9.10.2 Others: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

10. Europe Blockchain Market – Country Analysis

10.1 Overview

10.1.1 Europe Blockchain Market Breakdown, by Country

10.1.1.1 Germany Blockchain Market, Revenue and Forecast to 2028

10.1.1.1.1 Germany Blockchain Market Breakdown, By Component

10.1.1.1.2 Germany Blockchain Market Breakdown, By Application

10.1.1.1.3 Germany Blockchain Market Breakdown, By Industry Vertical

10.1.1.2 France Blockchain Market, Revenue and Forecast to 2028

10.1.1.2.1 France Blockchain Market Breakdown, By Component

10.1.1.2.2 France Blockchain Market Breakdown, By Application

10.1.1.2.3 France Blockchain Market Breakdown, By Industry Vertical

10.1.1.3 Italy Blockchain Market, Revenue and Forecast to 2028

10.1.1.3.1 Italy Blockchain Market Breakdown, By Component

10.1.1.3.2 Italy Blockchain Market Breakdown, By Application

10.1.1.3.3 Italy Blockchain Market Breakdown, By Industry Vertical

10.1.1.4 UK Blockchain Market, Revenue and Forecast to 2028

10.1.1.4.1 UK Blockchain Market Breakdown, By Component

10.1.1.4.2 UK Blockchain Market Breakdown, By Application

10.1.1.4.3 UK Blockchain Market Breakdown, By Industry Vertical

10.1.1.5 Russia Blockchain Market, Revenue and Forecast to 2028

10.1.1.5.1 Russia Blockchain Market Breakdown, By Component

10.1.1.5.2 Russia Blockchain Market Breakdown, By Application

10.1.1.5.3 Russia Blockchain Market Breakdown, By Industry Vertical

10.1.1.6 Rest of Europe Blockchain Market, Revenue and Forecast to 2028

10.1.1.6.1 Rest of Europe Blockchain Market Breakdown, By Component

10.1.1.6.2 Rest of Europe Blockchain Market Breakdown, By Application

10.1.1.6.3 Rest of Europe Blockchain Market Breakdown, By Industry Vertical

11. Impact of COVID-19 Pandemic on Europe Blockchain Market

11.1 Overview

12. Industry Landscape

12.1 Overview

12.2 Market Initiative

12.3 New Product Development

12.4 Merger and Acquisition

13. Company Profiles

13.1 IBM Corporation

13.1.1 Key Facts

13.1.2 Business Description

13.1.3 Products and Services

13.1.4 Financial Overview

13.1.5 SWOT Analysis

13.1.6 Key Developments

13.2 Microsoft Corporation

13.2.1 Key Facts

13.2.2 Business Description

13.2.3 Products and Services

13.2.4 Financial Overview

13.2.5 SWOT Analysis

13.2.6 Key Developments

13.3 Accenture

13.3.1 Key Facts

13.3.2 Business Description

13.3.3 Products and Services

13.3.4 Financial Overview

13.3.5 SWOT Analysis

13.3.6 Key Developments

13.4 Amazon Web Services

13.4.1 Key Facts

13.4.2 Business Description

13.4.3 Products and Services

13.4.4 Financial Overview

13.4.5 SWOT Analysis

13.4.6 Key Developments

13.5 SAP SE

13.5.1 Key Facts

13.5.2 Business Description

13.5.3 Products and Services

13.5.4 Financial Overview

13.5.5 SWOT Analysis

13.5.6 Key Developments

13.6 Bitfury Group Limited

13.6.1 Key Facts

13.6.2 Business Description

13.6.3 Products and Services

13.6.4 Financial Overview

13.6.5 SWOT Analysis

13.6.6 Key Developments

13.7 Ripple Labs Inc.

13.7.1 Key Facts

13.7.2 Business Description

13.7.3 Products and Services

13.7.4 Financial Overview

13.7.5 SWOT Analysis

13.7.6 Key Developments

13.8 Hewlett Packard Enterprise Development LP (HPE)

13.8.1 Key Facts

13.8.2 Business Description

13.8.3 Products and Services

13.8.4 Financial Overview

13.8.5 SWOT Analysis

13.8.6 Key Developments

13.9 Oracle Corporation

13.9.1 Key Facts

13.9.2 Business Description

13.9.3 Products and Services

13.9.4 Financial Overview

13.9.5 SWOT Analysis

13.9.6 Key Developments

13.10 Intel Corporation

13.10.1 Key Facts

13.10.2 Business Description

13.10.3 Products and Services

13.10.4 Financial Overview

13.10.5 SWOT Analysis

13.10.6 Key Developments

14. Appendix

14.1 About The Insight Partners

14.2 Glossary

LIST OF TABLES

Table 1. Europe Blockchain Market Revenue and Forecast, 2019–2028 (US$ Mn)

Table 2. Europe Blockchain Market, Revenue and Forecast to 2028 – By Country (US$ million)

Table 3. Germany Blockchain Market, Revenue and Forecast to 2028 – By Component (US$ million)

Table 4. Germany Blockchain Market, Revenue and Forecast to 2028 – By Application (US$ million)

Table 5. Germany Blockchain Market, Revenue and Forecast to 2028 – By Industry Vertical (US$ million)

Table 6. France Blockchain Market, Revenue and Forecast to 2028 – By Component (US$ million)

Table 7. France Blockchain Market, Revenue and Forecast to 2028 – By Application (US$ million)

Table 8. France Blockchain Market, Revenue and Forecast to 2028 – By Industry Vertical (US$ million)

Table 9. Italy Blockchain Market, Revenue and Forecast to 2028 – By Component (US$ million)

Table 10. Italy Blockchain Market, Revenue and Forecast to 2028 – By Application (US$ million)

Table 11. Italy Blockchain Market, Revenue and Forecast to 2028 – By Industry Vertical (US$ million)

Table 12. UK Blockchain Market, Revenue and Forecast to 2028 – By Component (US$ million)

Table 13. UK Blockchain Market, Revenue and Forecast to 2028 – By Application (US$ million)

Table 14. UK Blockchain Market, Revenue and Forecast to 2028 – By Industry Vertical (US$ million)

Table 15. Russia Blockchain Market, Revenue and Forecast to 2028 – By Component (US$ million)

Table 16. Russia Blockchain Market, Revenue and Forecast to 2028 – By Application (US$ million)

Table 17. Russia Blockchain Market, Revenue and Forecast to 2028 – By Industry Vertical (US$ million)

Table 18. Rest of Europe Blockchain Market, Revenue and Forecast to 2028 – By Component (US$ million)

Table 19. Rest of Europe Blockchain Market, Revenue and Forecast to 2028 – By Application (US$ million)

Table 20. Rest of Europe Blockchain Market, Revenue and Forecast to 2028 – By Industry Vertical (US$ million)

Table 21. Glossary of Terms, Europe Blockchain Market

LIST OF FIGURES

Figure 1. Europe Blockchain Market Segmentation

Figure 2. Europe Blockchain Market Segmentation – Country

Figure 3. Europe Blockchain Market Overview

Figure 4. Europe Blockchain Market, By Component

Figure 5. Europe Blockchain Market, By Application

Figure 6. Europe Blockchain Market, By Industry Vertical

Figure 7. Europe Blockchain Market, By Country

Figure 8. Europe: PEST Analysis

Figure 9. Europe Blockchain Market Ecosystem Analysis

Figure 10. Expert Opinion

Figure 11. Europe Blockchain Market Impact Analysis of Drivers and Restraints

Figure 12. Europe Blockchain Market, Forecast and Analysis (US$ Mn)

Figure 13. Europe Blockchain Market Revenue Share, by Component (2020 and 2028)

Figure 14. Services: Europe Blockchain Market– Revenue and Forecast to 2028 (US$ Million)

Figure 15. Solutions: Europe Blockchain Market– Revenue and Forecast to 2028 (US$ Million)

Figure 16. Europe Blockchain Market Revenue Share, by Application(2020 and 2028)

Figure 17. Payments: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 18. Exchanges: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 19. Smart Contracts: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 20. Documentation: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 21. Digital Identity: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 22. Governance, Risk, and Compliance: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 23. Others: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 24. Europe Blockchain Market Revenue Share, by Industry Vertical(2020 and 2028)

Figure 25. BFSI: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 26. Retail: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 27. Government: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 28. Transportation and Logistics: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 29. Healthcare: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 30. Automotive: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 31. Media and Entertainment: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 32. Others: Europe Blockchain Market – Revenue and Forecast to 2028 (US$ Million)

Figure 33. Europe Blockchain Market, by key Country, Revenue (2020) (US$ million)

Figure 34. Europe Blockchain Market Breakdown, by Country, 2018 & 2028(%)

Figure 35. Germany Blockchain Market, Revenue and Forecast to 2028 (US$ million)

Figure 36. France Blockchain Market, Revenue and Forecast to 2028 (US$ million)

Figure 37. Italy Blockchain Market, Revenue and Forecast to 2028 (US$ million)

Figure 38. UK Blockchain Market, Revenue and Forecast to 2028 (US$ million)

Figure 39. Russia Blockchain Market, Revenue and Forecast to 2028 (US$ million)

Figure 40. Rest of Europe Blockchain Market, Revenue and Forecast to 2028 (US$ million)

Figure 41. Impact of COVID-19 Pandemic in European Country Markets

  1. Accenture
  2. Amazon Web Services
  3. Bitfury Group Limited
  4. Hewlett Packard Enterprise Development LP (HPE)
  5. IBM Corporation
  6. Intel Corporation
  7. Microsoft Corporation
  8. Oracle Corporation
  9. Ripple Labs Inc.
  10. SAP SE

The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. Data Collection and Secondary Research:

As a market research and consulting firm operating from a decade, we have published many reports and advised several clients across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.

Several associations trade associates, technical forums, institutes, societies and organizations are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in the last 3 years are scrutinized and analyzed to understand the current market trends.

  1. Primary Research:

The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.

For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/Sales Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.

A typical research interview fulfils the following functions:

  • Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
  • Validates and strengthens in-house secondary research findings
  • Develops the analysis team’s expertise and market understanding

Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:

  • Industry participants: VPs, business development managers, market intelligence managers and national sales managers
  • Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.

Below is the breakup of our primary respondents by company, designation, and region:

Research Methodology

Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.

  1. Data Analysis:

Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.

  • 3.1 Macro-Economic Factor Analysis:

We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.

  • 3.2 Country Level Data:

Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.

  • 3.3 Company Profile:

The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.

  • 3.4 Developing Base Number:

Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.

  1. Data Triangulation and Final Review:

The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.

We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.

We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.

Your data will never be shared with third parties, however, we may send you information from time to time about our products that may be of interest to you. By submitting your details, you agree to be contacted by us. You may contact us at any time to opt-out.

Trends and growth analysis reports related to Banking, Financial Services, and Insurance : READ MORE..