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Arthur D. Little

Arthur D. Little has been at the forefront of innovation since 1886. We are an acknowledged thought leader in linking strategy, innovation and transformation in technology-intensive and converging industries. We enable our clients to build innovation capabilities and transform their organizations. ADL is present in the most important business centers around the world. We are proud to serve most of the Fortune 1000 companies, in addition to other leading firms and public sector organizations. For further information, please visit www.adlittle.com

中国的移动支付

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聚焦:

 在移动支付平台上交叉销售人寿和人身意外伤害保险的条例已经确立。但是,移动支付提供商从用户交易中收集的信息远远超出了交易数据;位置数据、购买行为、交易模式和可支配收入只是提供了一些高度定制化和基于情景的产品信号,这些产品远远超出了交叉销售的通用个人事故保险范围。

中国在功能开发和采用支付宝和微信支付方面处于领先地位,微信和支付宝占据了中国95%的移动支付,并率先使用了交叉的分析技术。

支付宝:

 支付宝于2004年推出,其主要用作阿里巴巴电子商务网站淘宝的安全交易服务。作为早期进入市场的公司,支付宝共吸引了5.2亿用户,并通过支付宝推动几项举措,其中包括“大病无忧保”,为重大疾病提供信用积分代替保险费。人民币2000元免费保险。

虽然支付宝于2013年开始与保险公司合作交叉销售健康、房地产、汽车保单,但最近才通过它的金融科技部门,蚂蚁金融,制定了基于位置的旅游保险和聊天机器人驱动的客户。

支付宝能吸引广大客户的关键之一在于其能帮助用户处理金融业务。例如,最近的一部纪录片详细描述了癌症患者的挣扎,在纪录片上映的那个周末,支付宝的保险产品购买量上升四倍。

微信支付

 微信支付是腾讯的移动支付部门,最初开发的目的是让用户通过微信向好友发送中国农历新年红包。尽管支付宝问世比微信早四年,但微信APP问世不到三年的时间里,使用微信支付的人已经达到了5.5亿。11%的微信支付用户使用它来购买金融服务。目前与微信合作的保险公司包括富邦人寿,大都会人寿,泰康人寿和和泰人寿。然而,随着腾讯新的保险项目微保问世,微信的这些功能可能会黯然失色。

最终,微信、微信支付和微保将会分别成为受用户欢迎的三大热门工具,包括用户互动、数据聚合渠道(微信支付)和分销(微保)。

结论:

虽然中国是移动支付先行者,但不同的公司将争夺不同领域的主导地位,而现在都处于关键时期。目前,支付宝和微信支付都专注于为特定用户群提供定制的短期或免费健康保险。最终,微信和支付宝面临的挑战是如何高效转换那些传统上低转化率的万能寿险、危重疾病和PMI产品(私人医疗)

阅读最新的保险创新新闻报道的特点和我国在微信上访问我们的网页

 

 

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