当大流行来袭时, the insurance industry joined enterprises around the globe in working remotely, 似乎在一夜之间. 现在, as economies begin to cautiously emerge from COVID-induced restrictions, insurers want to accelerate their digital transformation significantly to focus squarely on the customer, 提高营业利润，为未来做好准备.
Let’s face it, who looks forward to buying insurance or filing a claim? 保险 companies can use digital platforms 和 algorithms to make the process faster 和 much less tedious. 柠檬水, 一家天生的数字保险公司，专门为租房者提供, 业主, 宠物和定期人寿保险, advertises that it can pay a digital claim in three seconds using such technologies.
Most insurers are bound by complex legacy environments 和 struggle to follow 柠檬水’s lead, both in terms of simplifying the whole insurance experience for customers 和 using technology to attain greater cost efficiency.
St和ardizing products 和 services is another avenue to simplification. Rather than covering one type of fire in Belgium 和 another kind in the U.K., for example, insurers could have a st和ard tariff that covers fires as a general category. 这听起来很简单, but implementing the change involves incorporating new functionalities, 很难设计应用程序, 流程效率, api和更多.
e尊国际看到通过M&一个活动. 尤其是在美国.S., private equity investors are snapping up insurance companies to leverage insurance pools, consumer premiums 和 other fees as a steady stream of reliable assets. Having that permanent capital at their disposal reduces the pressure on private equity owners to raise money in the market.
但这增加了服务提供商的成本压力. Private equity investors want to see a fairly quick return on their investment. And while that creates a different 和 more challenging playing field for providers, 这也为长期关系开辟了新的机遇, 因为投资者通常需要运营支持.
网络安全是保险业面临的另一个关键问题. 的 unrelenting spate of cyberattacks has captured the attention of insurance executives, 把网络安全放在首位. More risk has been introduced with the increasing use of new technologies, 自主学习的机器, 云计算, 数字生态系统, 5G和对智能设备的日益依赖. In 2017, 27 billion devices around the world were online; that number is set to increase five-fold to 125 billion in the coming decade.
保险公司, 从本质上说, 风险规避者, 他们希望在管理风险的同时保护他们的客户. Frequently now, insurers are requiring cybersecurity attestations from their corporate customers. e尊国际预计对安全评估工作的需求将会增长. 随着网络保险需求的增加，其成本也随之增加.
的 tightening regulatory environment has fostered a greater need for commercial liability insurance. 总的来说，社会正变得越来越爱打官司. 在美国，集体诉讼比以往任何时候都更容易提起.S. And the General Data Protection Regulation (GDPR) has resulted in greater exposure to companies in the E.U.
随着这一切的发生，技术正在发挥真正的作用. Cloud transformation is well underway at many insurance companies, often via a hyperscale strategy. But not every company can manage a hyperscaler on their own 和 will need a service-integration layer. 这是一个关键的技术趋势. We expect insurers to make bold public cloud 和 SaaS moves in the next few years.
全面发展的紧迫感, 长期云战略在保险行业是巨大的. COVID向e尊国际展示了这一点. 转变不会在一夜之间发生, but insurers have to be flexible 和 ready to respond to volatile markets. A comprehensive, long-term cloud strategy is a must to reach the next level of maturity.
保险公司也在寻找新的渠道来更好地为客户服务, 和, 当然, 这些都必须建立在数字平台上. A new business model is evolving in which a provider builds a platform for one type of insurance product, 然后把它交给其他提供者. Microsoft’s relationship with French insurer AXA 和 German financial services firm Allianz is a good example. 安盛与微软合作推出了一个数字医疗平台. 的n Allianz 和 Microsoft teamed up to customize a platform across a variety of insurance specialties in a plug-和-play implementation.
在大数据和人工智能战略方面，机遇比比皆是. No insurer seems to have a clear idea of how to use its goldmine of big data. Today they are mostly optimizing what they already have while other industries, 如汽车, 超过保险公司.
最后, insurers face increasing pressure to transform their business from a focus on products to a focus on services while personalizing the customer experience. 技术已经非常成熟，能够推动这一目标的实现. 了解客户在做什么, 他们想做什么, 和 where they see their risks can all be brought together with technology.
Johanna is a market leader in Transformation Management with more than 10 years’ experience in consulting services. 在各种规模的复杂转换程序中, she has a proven track record in a number of industries 和 outsourcing programs. 从战略到实施, Johanna has worked successfully with both national 和 international clients, 以取得最好的成绩.