毕马威：2019年科技保险趋势报告（英文版）（36页）.pdf

1、Insurtech 10: Trends for 2019 KPMG International Foreword T he insurance industry is on the brink of a major revolution as adoption of insurtech enters a new phase. Data is the driving force for these innovations, as it remains tantalizingly close, but not yet in the full control of many businesses.

2、 There are no quick fixes that allow insurers to clean up their data. Insurtech is the means to transform insurance from an arcane policy-led industry into one that succeeds by placing the customer at the heart of everything it does. New ways of doing business In the coming year there will be an inc

3、rease in the level of implementation of new and innovative approaches to transform the way insurance companies do business. This is not about digitizing the legacy business, but about demonstrating to the whole organization that there is a different way of working that doesnt only present risk, but

4、brings positive energy, new opportunities and rewarding outcomes. This means moving beyond tinkering with components of the value chain that has epitomized some early flirtations with insurtech and seeking to implement solutions that will transform the whole business. Moving beyond the comfort zone

5、Businesses are asking their people to build a new customer- centric architecture, design propositions and products, and launch them with new governance and controls that connect into the core functional systems of HR, finance, etc. This will require a totally new approach and result in the developme

6、nt of a digital greenfield, which could allow them to move beyond the current structures and culture to achieve their objectives. It may not be totally necessary to go off grid in order to develop the solutions insurers need. Decoupling from existing governance structures can be uncomfortable, but o