2022年11月21日

2022年11月21日一项对澳大利亚、美国和欧洲近300名保险公司高管的调查发现，近90%的保险公司没有完整的运营现代化战略，许多保险公司过于依赖传统和多个第三方系统，造成了严重的瓶颈、错误、低效率和繁琐的变通办法。科技公司Earnix表示，先进的分析技术可以识别出最赚钱的客户群体，而人工智能可以根据客户的行为和属性帮助制定新策略。通过数据建模和模拟，保险公司可以对客户进行细分，运行价格弹性模型，并迅速做出正确的报价，以赢得更多业务。Earnix表示，在拥抱机器学习、个性化功能和其他创新方面有“巨大的潜力”。报告称:“然而，整个行业仍处于观望状态，而科技、零售甚至金融服务业都在更加积极地努力实现业务数字化转型。”“整个保险业在采用各种新技术方面行动迟缓，这是出了名的。”五分之四的受访者计划在未来两年内实现现代化，主要是在产品个性化、基于使用的产品和沉浸式技术方面。Earnix的客户遍布30多个国家，他说:“保险公司意识到，目前的系统无法完成工作。”传统的定价和评级系统往往是“独立的应用程序，需要太多的时间和人工努力才能使其正常工作”。该公司表示，这导致了严重的定价延迟和错失机会。 Until recently, most insurers "really didn’t have to shake things up too much and their business would remain largely unaffected,” it says. Now, consumers demand faster, more personalised products and services and new competitors are willing and able to provide the experience customers crave. "Where insurance carriers once had the luxury of relying on traditional rating, pricing, and underwriting approaches without suffering real repercussions, they now realise that many new trends will require new ways.” New solutions can transform pricing, rating, distribution, personalisation, underwriting, and claims, though many insurers are “not quite ready” to take advantage. The greatest needs identified were pricing, fraud analytics, and personalised add-on offerings, as well as eliminating manual processes, integration with existing applications, and enhanced forecasting accuracy. “Most insurers still use too many manual steps, especially when it comes to changing rating and pricing models. Not only are these efforts time-consuming and error-prone, but they also can’t provide the visibility insurers need to improve future strategies,” Earnix said. "Most still rely on outdated legacy technology and third-party systems.” While this technology once served its purpose and may still “get the job done,” legacy technology hinders insurer ability to meet customers’ expectations and create fast product offers as legacy systems lack flexibility and make it difficult to adapt offerings to individual customers. The survey revealed that most insurers need 7-12 months to update a significant underwriting rule change – a significant disadvantage as compared to faster, more nimble competitors. More than half the insurers survey cited time savings to run models and simulations as a top reason to adopt more modern infrastructure. "Insurers need to be able to operationalise rating updates for the specific policyholder characteristics as part of the quoting or renewal process. Yet too often it simply takes too long,” Earnix said. Related articles