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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

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Q.1面对中国保险业日益激烈的竞争,西方保险公司如何与百度,阿里巴巴和腾讯(BAT)竞争

首先,西方保险公司可以利用英美烟草公司的成熟技术和在线平台与英美烟草公司合作,同时利用西方保险公司的全球资源,为中国消费者群体提供更具吸引力的特殊服务,但不与全球资源相结合,成熟的技术,先进的保险。

Q.2哪些会对保险业,区块链或人工智能产生更大的影响?

我看到人工智能的用例更清晰,特别是因为它涉及汽车和旅行保险等简单产品的客户服务和索赔管理。客户服务和索赔对保险公司来说是一个沉重的负担,增加启用AI的聊天机器人和索赔处理将直接影响保留率和盈利能力。对于区块链,仍然存在有关安全性和保险公司确切使用案例的问题。有很多想法,但我们需要更多时间来确定区块链的潜力。

Q.3生态系统的概念在中国尤为重要(平安好医生或中国人寿养老院)。为什么你认为我们没有看到西方的“生态系统”现象?

我认为我们在中国看到了更为清晰的生态系统案例,因为中国在过去30年中发展得如此之快,以至于企业可以迅速进入处于早期发展阶段的相邻行业,因此竞争尚未根深蒂固。例如,中国的信用卡被优先于移动支付,然后使用交易数据交叉销售保险和其他金融服务。在西方,这些行业的发展需要更长的时间,因此竞争对手变得更加根深蒂固,因此公司更难以进入相邻的行业。

Q.4中国银行业保险监督管理委员会(CIRC)正在对中国数字保险的发展实施严格的规定。您是否认为中国保监会有可能通过太多的规则和限制来扼杀创新?

重要的是要记住,监管机构正试图管理当前的大量开发,因此可能存在CIRC过度监管新兴趋势以保护消费者的情况。其中一个例子就是当前ORC(在线互惠社区)的激增,这些创业公司通过微信群体销售低价限制性疾病报销。在这种情况下,CRIC确保这些初创公司不会将自己推销为提供保险,而是必须告知这种形式的保险不是由实际保险公司提供的,因此无法保证保障。

 

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