2020年保险平台：对成本和收入的积极影响- 国际商业机器公司（英文版）（20页）.pdf

1、Insurance on the platform The positive impact on costs and revenues Research Insights Stuck inside the box While some insurers are making strides in customer centricity, digitization, and innovation, the industry overall is still stuck in a traditional mode of thinking about products, processes, and

2、 systems. Escaping the barriers Participation in platform business models and their corresponding ecosystems enables insurers to engage in new cost and revenue plays, transcending their regular business operations. A culture change We recommend three approaches for insurers to improve their future r

3、eadiness: experiment with platform point solutions, switch to a platform-compatible service paradigm, and get serious about nontraditional products By Christian Bieck, Fuad Butt, and Patrick Sheridan Talking pointsReluctant adaptation The insurance industry has never been famous for rapidly embracin

4、g change. As recently as last decade, a researcher proposing simplification of U.S. insurance regulation wrote that “the insurance industry has not introduced a single entirely new property and casualty insurance product for individual customers” since 1959.1 Even today, innovation generally is view

5、ed as incremental changes to business as usual. As the chief operating officer of a Canadian insurance company recently stated, “remarkable change can occur without ever really changing the core coverage of the product.”2 Yet to the industrys credit, the narrative has been shifting. Insurers are act

6、ively discussing strategic innovation at large-scale industry events such as the Connected Insurance conferences or Insurance Innovators Summit events.3 And many insurers are increasingly committing their strategies and real-world initiatives to customer centricity, digitization, and innovation. For