InsurTechs have seen a boom in the last 2 years. They are solutions for an industry with a lot of legacy systems and processes, but is rapid digitalisation and technology adoption the answer to bring the insurance sector into the 21st century? According toDimitri Anagnostopoulos，合作伙伴，真正的北方合作伙伴和Periklis Thivaios, Researcher, IE Business School, that’s not necessarily always the case.
虽然保险部门在2015年和2016年的“创新图表”落后于“创新图表”，但我们已经观察到采用技术和数字化流程进行了很多快速的跟踪。在我们的经验中，主要挑战不是拥有创新的步伐本身但了解其基础的概念，以及他们在组织文化面料中的适当融合。
We believe that insurance companies should not be focusing on what may be the key innovation and technology to adopt or implement, but rather focus on addressing业务问题like customer experience, operational efficiency, etc. Technology is then to be chosen as the enabler, rather than the other way around. In other words, when it comes to choosing innovation and technologies such as big data, machine learning, or blockchain, the starting question should be the problem we are trying to solve.
Get it right: innovation, digitalisation, efficiency, automation
We oftentimes see concepts being used interchangeably, which may negatively impact the effectiveness of the solution we are trying to implement.
例如，“创新”和“效率”往往会被混淆。当面临挑战的效率改善时，创新不一定是正确的答案。相反，可以优选简单和测试的解决方案以提供所需的结果。尽管如此，我们经常看到我们的野心推动昂贵和复杂的实现，以展示“创新”。
以类似的方式，“数字化”和“自动化”之间存在差异。我们已经观察到了许多努力和投资，试图在数字化举措下自动化流程。但是，如果我们试图解决的问题尚未得到适当的识别，组织可能只是自动化传统错误。
The most important aspect of embracing new capabilities (whether technology, digitised processes, innovative solutions, etc.) is the organisation’s culture. Technological innovation should be motivated by a desire to serve our customers better. Alternatively, we run the risk of implementing lip-service solutions for the sake of appearing innovative, with detrimental consequences on client experience, overall efficiency, as well as staff morale.
顾客至上
解决方案需要由商业和客户需求推动。如果我们的优先级以最佳方式为客户提供服务，那么我们需要分解问题陈述并专注于可以解决它的解决方案（技术，过程相关或两者）。
由于InsurTech生态系统的快速扩张,it is easy nowadays to fall in love with technologies, but we might not be solving for our core priorities. From our experience, what tends to happen, if we don’t start with the problem and focus on it, is that solutions start becoming more inwards oriented, i.e. benefit and value the organisation while leaving the customers as a second priority.
The InsurTech ecosystem is well developed and has plenty of solutions to offer. Embracing and ultimately succeeding in benefitting from new technologies should be aligned with the cultural drive of the organisation and not from a desire to be perceived as forerunners in technological adoption.
