物联网：颠覆保险模式（英文版）.docx

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1、BtfmcDigestTheinternetofthings:IAcompi1ationofthe1atestfindingsfromg1oba1thought1eadersdisruptinginsurancemode1sContentsForeword3Introduction:thegrowthofIOT4Wheredowestand?Thecurrentstateofp1ay5Homeinsurance7Carinsurance9Hea1thinsurance12Newopportunities141620Cha11engesandthreatsGettingready:whereto

2、gofromhereConc1usion:thefutureoftheIoT23Yourexpertisinthesky7HabittHomeBox8Ajusto9ConnectetMoi12RUOK14USAAzsDigita1Virtua1Assistant19e-depann,21ForewordTHERAPIDGROWTHOFtheinternetofthings(IoT)isimpossib1etoignore.A1readyde1iveringc1earbenefitstoareassuchasenergy,hea1thcare,agricu1ture,transportandbu

3、i1dings,thisphenomenon-whichisdubbedtheseconddigita1revo1ution*-isexpectedtotoucheveryaspectofour1ivesintheyearstocome.Forinsurers,thesteadyadvanceoftheIoTpresentsahugenumberofopportunities.Wezrea1readyexperiencingariseinconnectedhomes,connectedcarsandhugeuptakeintheuseofhea1thandfitnesstrackingtech

4、no1ogy-a11ofwhichchangethenatureofinsurab1erisk.Withthisinmind,insurershavethechancetocreateanew,moreprofitab1ebusinessmode1that1everagesdatatocreateamorepersona1isedofferingand,inturn,faci1itatesbettercustomerre1ationships.Butsuccesswon,tcomeeasy.Its1ike1ythatpremiumswi11reducequitesignificant1yand

5、therearesignificantimp1icationsintermsofdatamanagementprivacyandsecurity.Whatsmore,insurerswi11havetoactfastinordertoavoidtheveryrea1dangerofbeingdisintermediated.Inthefo11owingpageswebringtogethersomeofthe1atestresearchandana1ysisinabidtohe1porganisationsofa11shapesandsizesoperatinginthefie1dtounde

6、rstandtheimp1icationsoftheriseofIoTintheindustry.WefindoutthestatusofuptakesofarandgettogripswiththemanyopportunitiesthatIoTpresents.Wea1soprovideanoverviewofthebiggestcha11engesfacinginsurers1ookingto1everageIoTand,perhapsmostimportant1y,summariseanumberofstrategiesformovingforwardandensuringsucces

7、s.Ihopeyoufindthisdigestausefu1resource.VincentBastidEfmaCEOIntroduction:thegrowthofIoTTheunprecedentedgrowthoftheinternetofthings(IoT)-wheretechno1ogyconnectsobjectsandpeop1etotheinternetinordertoprovideaccesstoinformationaboutthatobjectscondition,position,ormovement-hasimp1icationsforbusinessesope

8、ratingineverysector.Ana1ystfirmGartnerpredictsthat20.8bi11ionthingswi11beconnectedtotheinternetby2023.AccordingtoarecentreportbyMunichRetit1edfTheInternetofThingsand1ife/1ivingBenefitsInsurance7,thisequatestoapproximate1ysixdevicesforeverypersonontheg1obe.Thisspeedofgrowthhasnosignsofwaninganytimeso

9、on.By2035zitisexpectedthattherewi11beonetri11ionconnectedthings,with100mi11ionsupportingappszaccordingto,TheInsuranceImp1icationsoftheInternetofThingsbytheProfessiona11iabi1ityUnderwritingSociety(P1US).1eadingthewayWiththisinmind,it,sunderstandab1ewhymany1eadingcompaniesareturningtoIoTasapotentia1ne

10、wprofitstream,investingbi11ionsofpoundsindeve1opingnewsystems.IoTisopeningupawho1enewavenueofrevenue/*saidDominikWee,aMunich-based1eaderofconsu1tingfirmMcKinsey,inaninterviewwithCompassmagazine.Networkingphysica1objectsthroughembeddedsensors,actuatorsandotherdevicesthatcanco11ectortransmitinformatio

11、nabouttheobjectsgeneratesahugeamountofeffectivedata.Anumberof1eading-edgecompaniesare1everagingthisopportunity/CompaniesasdiverseasGE,IBM,Cisco,SamsungandMonsantoarecurrent1y1eadingtheway.Infact,Samsungismovingtowardshavingitsentireproduct1ine1oT-readyinthenextfiveyears.AndGEhasinvestedUS$1bi11ionin

12、puttingsensorsanddeve1opingsoftwaresystemsonitspowerturbines,jetengines,1ocomotives,medica1equipmentandothermachines;connectingthemtothec1oud;andana1ysingtheresu1tingf1owofdatatoimprovemachineproductivityandre1iabi1ity.Onebi11iondo11arsrepresentsabigswingforGE,“saidMatthiasHei1mann,chiefdigita1offic

13、erofGEOi1&GasDigita1So1utions,inanMITS1oanManagementReviewartic1etit1edGEsBigBetonDataandAna1ytics.Itsigna1sthisisrea1,thisisourfuture/InspiringinsurersThesepioneersareprovidinganenviab1eexamp1etothoseoperatingintheinsuranceindustry,whoarejustbeginningtorecognisethehugepotentia1thatthisphenomenonpre

14、sentstothem.ArecentDe1oittereportca11edTheDerivativeEffect:HowFinancia1ServicesCanMakeIoTTechno1ogyPayOff/saysthattheIoTmaybeasbroad1ytransformationa1tothefinancia1servicesindustryastheinternetitse1f,pointingtowardsresearchthatsuggeststhattheaddedeconomicva1ueofIoTcou1dbeanywherefromUS$300bi11iontoU

15、S$15tri11ionbythisdecade,send.AccordingtoEfmaandCapgemini,s2016Wor1dInsuranceReport,IoTtechno1ogieswi11redefinetheverynotionofinsurab1erisk.Indeed,asthewor1dbecomessaferandmoreconnected,thefundamenta1sofassessingandunderwritingriskmayseeacomp1etetransformation.Butitwontbewithoutcha11enge.1adendownwi

16、thtraditiona1processesandarchaicsystems,traditiona1insurerswi11havetothinkoutsideoftheboxinordertoavoidbeingdisintermediatedorattackedintheirmarketbynewcomersorincumbentp1ayerswhomanagetocapita1iseonthepotentia1ofIoTfirst.ArecentreportbyA.T.Kearneytit1edfTheInternetofThings:OpportunityforInsurerswarnsthatifinsurersactonfuturecha11enges1ikeIoTwithstrategies1inkedtot