奥纬咨询：2025预测分析新前沿：以无约束建模赋能数据与风险管理研究报告（英文版）（16页）.pdf

1、 Oliver Wyman2A New Frontier In Predictive AnalyticsOver 97%of businesses worldwide have invested in big data.However,only 24%of these companies claimed they use the collected data to analyze and make informed decisions.1 Data management is an integral part of running a business,for year-end reporti

2、ng and tax purposes,and to comply with laws and regulations.Today the insurance industry is experiencing a fundamental shift in how to define,understand,and quantify risk.Recent technological advancements have led to an explosion of data,which demands new processing and analysis techniques beyond tr

3、aditional methods to make sense of it all.Consequently,insurers face a new challenge:finding a balance between developing highly accurate models and complying with business and regulatory requirements.Unconstrained models those with few limitations maximize data utility and predictive power by lever

4、aging advanced algorithms.These models allow for flexibility,have the ability to capture complex relationships,and offer broad applicability for domains where data may contain deep interdependencies and nuance.When used strategically,unconstrained models can analyze and enhance traditional models to

5、 unlock new insights,even in highly constrained or regulated environments like insurance.For organizations that embrace them,unconstrained models present an opportunity to improve risk management and gain a competitive advantage.In this paper,we examine the latest advancements in the insurance analy

6、tics landscape.We discuss how unconstrained models can strategically complement traditional models,review modeling constraints,and highlight the importance of strong model governance.1 Kumar,Naveen.“Big Data Statistics 2025(Growth&Market Data).”DemandSage.June 24,2025.THE INSURANCE ANALYTICS LANDSCA