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埃森哲:2026保险公司 AI 落地增收路径研究报告:五大举措将 AI 战略愿景转化为业务增长(中译版)(33页).pdf

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1、How insurers drive revenue by deploying AI with intentFive actions turn ambition into growthAccenture Research ReportAnand Premsundar Managing Director-Global Data and AI Insurance Lead Anand serves as executive sponsor for generative AI(gen AI)and leads data and AI for Accentures global insurance p

2、ractice.With over 20 years of experience,he partners with senior leaders at insurance carriers to define and execute data and AI-led transformation strategies.Anand holds patents in customer lifetime value,telematics and the application of gen AI across the insurance value chain.He specializes in di

3、gital strategy and transformation driven by AI,machine learning and advanced analytics,with deep expertise in translating complex business challenges into data-driven solutions.AuthorsRavi Malhotra Senior Managing Director-Global Insurance Lead Ravi leads Accentures global insurance practice and has

4、 spent over 20 years helping leading insurers become more competitive.He works with clients across North America,Europe and Asia Pacific on challenges related to growth,operational effectiveness and large-scale transformation.A frequent speaker and writer on digital disruption and the future of insu

5、rance,Ravi brings deep expertise in shaping strategy and driving change across the industry.He holds a BS and MBA from Northwestern University.Connect with AnandConnect with RaviIntroductionAction 1:Align AI deployment to the business strategy to ensure it directly supports enterprise-wide goals.The

6、 critical contextAction 2:Expand AI skills across the workforce to combine technical and business knowledge.The five actionsThe path to AI-native insuranceAction 3:Evolve the talent ecosystem to include people-led,agent-to-agent workflows and free people to apply uniquely human skills.Action 4:Adopt

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1. **核心目标**:保险公司需从“AI everywhere”转向“AI with intent”,通过5项行动实现业务增长,85%的C-suite认为AI驱动收入增长的重要性提升(2025年)。 2. **关键行动**: - **战略对齐**:仅23%的保险公司实现AI企业级整合,需将AI部署与业务战略直接挂钩。 - **技能扩展**:83%的 insurer 存在AI-业务转化技能缺口,需提升员工AI素养(如Generali的We LEARN项目)。 - **人才生态**:68%的 insurer 认为AI代理将重塑角色,需“人机协作”释放高价值工作(如Zurich Spain的AI代理提升报价效率)。 - **双速数据**:50%的 insurer 受限于遗留系统,需通过编排层连接旧系统与AI。 - **合规治理**:56%已实施AI治理框架,将伦理设计转化为竞争优势。 3. **成果案例**:AI应用使81%的 insurer 实现保费增长5%以上,部分案例显示报价时间减少80%、理赔处理效率提升35-45%。
AI如何驱动保险增长? 保险业如何善用AI? AI如何重塑保险业?
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