ULIMI, BOTS, AND BUYING BEHAVIOUR: CAN MULTI-LINGUAL CHATBOTS IMPROVE PRODUCT ACCESS AND UNDERSTANDING IN THE SOUTH AFRICAN MARKET? Matthew Kloos, Jonathan Elcock, Luba Dube Sponsor: David Kirk JOURNEY TO BECOMING A MICRO INSURER: A CASE STUDY ON THE MICROINSURANCE LICENSE APPLICATION PROCESS Nabeelah Kolia Sponsor: Carike Nel Level of Knowledge: Foundational www.actuarialsociety.org.za