Zonse zokhudza InsurTechs

Tekinoloje yafalikira gawo la inshuwaransi ndi mphamvu. Tsopano tikukamba za Insurance Technologies kapena Assurtechs. Mwamvapo zikulankhulidwa popanda kudziwa chomwe lingaliroli likutanthauza. Chowonadi ndi chakuti luso laukadaulo mu gawo la inshuwaransi ndichinthu zomwe aliyense wa ife amakumana nazo.

Ma Insurtechs amabwera chifukwa chosakanikirana ndi kubwera kwa zaka chikwi, kupita patsogolo kwaukadaulo, kufunikira kotsimikizira malingaliro atsopano monga intaneti ya Zinthu komanso kuwonekera kwamitundu yosiyanasiyana yazachuma monga. chuma chogwirizana.

M'nkhaniyi tikulonjeza NDIKUUZENI ZONSE za Insurtech. Koma musanayambe, apa pali maphunziro omwe amakulolani kutero Pezani 1000euros/Tsiku pa 5euros.com. Dinani apa kuti mugule.

🌿 Kodi Insurtech ndi chiyani?

Mawu Insurtech»ndichidule cha mawu awiri achingerezi: inshuwaransi ndiukadaulo. Insurtechs angatanthauzidwe ngati nthambi ya Fintech zomwe zimaperekedwa kudziko la inshuwaransi.

Mwanjira ina, timanena zaukadaulo waukadaulo mdziko la inshuwaransi. Chifukwa chake, timalankhula za oyambitsa kapena makampani a insurtech, pomwe makampani angapo a inshuwaransi omwe amagwiritsa ntchito ukadaulo kupanga bizinesi yawo abwera palimodzi.

malinga ndi Investopedia, insurtech imayang'ana zosankha zomwe makampani akuluakulu a inshuwaransi alibe zolimbikitsa kuchita. Izi ndizopereka za Mafonti apamwamba kwambiri, chitetezo cha anthu ndi kugwiritsa ntchito deta yatsopano kumayenda kuchokera ku zipangizo.

Kuphatikiza pa zitsanzo zabwino zamitengo, makampani atsopano a insurtech akugwiritsa ntchito luntha lochita kupanga. Izi makamaka ndi kuphunzira kwakukulu kuyang'anira ntchito za ma broker ndikupeza kusakaniza koyenera kwa ndondomeko kuti apereke ndondomeko ya inshuwaransi yokwanira.

Mwa zina Momwe mungagwiritsire ntchito Insurtech, kuphatikiza kupanga mapulani a inshuwaransi omwe akufunika pazochitika zazing'ono.

Monga zochitika zazing'ono, timagwiritsa ntchito kwakanthawi galimoto yobwereka kapena kugula inshuwaransi yazaumoyo kwakanthawi kochepa. Ndi kukhazikitsidwa kwa makonda a gulu lachitsanzo ndi kuchotsera kwamagulu.

🌿 Kodi Insurtechs imagwira ntchito bwanji?

Popeza insurtech ndi yatsopano mwa kutanthauzira, ntchito zake zikusintha nthawi zonse. Nthawi zambiri, Assurtechs amalingalira ndi kusintha ndondomeko za backend. Zimathandizanso makasitomala kudziwa zambiri ndikupulumutsa ndalama za kampani ya inshuwaransi.

Les ziphuphu ndi mapulogalamu a foni yamakono ndi zitsanzo za momwe insurtech imasinthira ndondomeko ya backend.

Les makampani a inshuwaransi sakufunikanso kulemba anthu ogwira ntchito za makasitomala kuti athetse nkhawa za makasitomala. Ambiri amatha kuyankhidwa ndi ma chatbots omwe amangoyankha zopempha usana ndi usiku.

Mapulogalamu a foni yam'manja amathandizanso makasitomala. M'malo mosindikiza mafotokopi a ziphaso ndi zikalata zina, kasitomala atha kungojambula ndi foni yawo ndikujambula. perekani kudzera muzofunsira.

Izi zimapulumutsa nthawi ndi zothandizira kwa kasitomala ndi kampani.

🌿 Mitundu ya Insurtech

Nawa mitundu yodziwika bwino ya insurtech yomwe mungayembekezere kugwiritsidwa ntchito ndi kampani ya inshuwaransi.

Ena mwa matekinolojewa pamapeto pake adzalowetsedwa ndi ukadaulo watsopano, pomwe ena adzasintha ndikukhalabe gawo lofunikira la Insurtech.

🎯 Nzeru zochita kupanga

Mawuwo nzeru zamakono amatanthauza mapulogalamu omwe amatha kugwira ntchito zomwe zimagwirizanitsidwa ndi anthu, monga kulingalira ndi kuphunzira.

Ma Chatbots, omwe kwenikweni ndi mapulogalamu apakompyuta, amatha kulumikizana ndi makasitomala mwamawu kapena kudzera m'mawu. Ichi ndi chimodzi mwa zitsanzo za inshuwaransi yaukadaulo.

🎯 makina kuphunzira

Mtundu wina wa insurtech ndi kuphunzira pamakina, komwe ndi gawo la Artificial Intelligence. Monga momwe dzinalo likusonyezera, kuphunzira pamakina ndiukadaulo womwe umathandizira makina " kuphunzira " popita nthawi. 

Imagwiritsa ntchito ma algorithms kutsanzira maukonde a neural muubongo wamunthu. Kuphunzira pamakina kumathandizira makompyuta kuti azitha kudziwa zambiri potenga mawonekedwe kuchokera ku data yaiwisi m'malo motsatira malangizo enieni.

Nkhani yoti muwerenge: Njira zatsopano zolipirira digito

Makampani a inshuwalansi amasonkhanitsa deta yambiri, koma makampani opanda Insurtech gwiritsani ntchito 10% yokha ya data iyi.

Kuphunzira pamakina kumathandizira opanga ma inshuwaransi kugwiritsa ntchito bwino deta yawo ndikuchotsa zidziwitso zofunikira. Nawa mapulogalamu ena ochokera ku Assurtechs

• Kuwonetsa zoopsa : kusanthula deta zodzinenera kulosera kuopsa kwa zotayika zamtsogolo
• Kufuna modelling : kugwiritsa ntchito masamu kuyerekezera zolipirira ndi kulosera zomwe zidzafunike m'tsogolo
• Dziwani Zachinyengo : zindikirani machitidwe achinyengo ndi kuphunzira pamakina zomwe sizimawonekera kwa anthu omwe amawagwiritsa ntchito
• Kukonza zodandaula: automation ya malipoti odandaula ndi kukonza
• Kulembetsa : Kugwiritsa ntchito kuphunzira pamakina kuthandiza olemba pansi kusanthula deta yomwe yasonkhanitsidwa kuchokera kwa omwe amafunsira, zolakwika za mbendera ndikutsimikizira zolondola.

🎯 Intaneti ya Zinthu

Mtundu wina wa Insurtech ndi Intaneti ya Zinthu. Mawuwa amanena za makina wamba (monga mafiriji ndi ma TV) omwe ali ndi intaneti.

Chitsanzo cha IoT ndi telematics, kugwiritsa ntchito zipangizo zamagetsi m'magalimoto kusonkhanitsa, kulandira, kusunga ndi kutumiza deta pa intaneti.

🎯 Mapulogalamu a Smartphone

Mapulogalamu a foni yam'manja mu insurtech amatha kupangidwira makasitomala, mabizinesi, kapena onse awiri. Mapulogalamu awa a makampani a inshuwaransi aphweka ndondomeko ya inshuwaransi kwa anthu kumbali zonse za malonda.

🎯 Ma Drone

Ma inshuwaransi ena amagwiritsa ntchito drones, makamaka a inshuwaransi ya katundu. Drones amatha kuyang'ana katundu ngati sikungakhale kotetezeka kutumiza anthu kuti akawone, monga madenga ndi malo atsoka.

Ma inshuwaransi a P&C amathanso kugwiritsa ntchito ma drones, monga kuyang'ana ndi kujambula malo a ngozi yagalimoto. Tekinolojeyi ingathandizenso kuti malo anu antchito akhale otetezeka.

🌿 Gulu la Insurtechs

Gulu loyamba la Insurtech litha kupangidwa molingana ndi dongosolo lomwe limawatsogolera. Pali magulu anayi a insurtech:

• Makampani omwe ali ndi chilolezo cha woyang'anira gawo, chifukwa amagwira ntchito zofunika. Izi zitha kuphatikiza ma inshuwaransi, ma broker a inshuwaransi, mabungwe olembetsa, ndi zina.
• Makampani panopa ali imvi dera, ngakhale kuti sizingagwirizane ndi dongosolo lililonse lalamulo lomwe lilipo. Amagwira ntchito zomwe zingafune kuwongolera moyenera.
• Thandizani makampani aukadaulo omwe, ngakhale ali m'gulu la inshuwaransi, amapereka ntchito zowonjezera zomwe siziyenera kuwonedwa ngati mabungwe oyendetsedwa ndi boma. Pano, mwachitsanzo, pali mapulogalamu a inshuwaransi kapena othandizira zomangamanga.
• Makampani omwe amagwira ntchito m'magawo angapo onse ndi inshuwaransi si ntchito yawo yayikulu. Chitsanzo chingakhale kampani yomwe imapereka ntchito yozindikiritsa digito.

Gulu lapitalo limatithandiza kumvetsetsa kusiyana kwa chilengedwe cha Insurtech ndi zovuta zomwe zingabweretse m'tsogolomu. Zina mwazinthu zatsopano zomwe amapereka zimasinthidwa kuti zigwirizane ndi zosowa zatsopano zamatauni (njinga ndi ma scooters) kapena kasamalidwe ka ma drone.

Nkhani yoti muwerenge: Momwe mungapangire ndikugulitsa maphunziro apa intaneti patsamba lanu?

Lingaliro la udindo wamakampaniwa pazantchito zathu pamanetiwu layambanso kukula. Chifukwa chake, imayamba kupereka chithandizo motsutsana ndi ma cyberattack pazida zathu zamagetsi.

Palinso magulu ena a Insurtech, omwe amakhazikika pakubweretsa zambiri za inshuwaransi zosiyanasiyana patsamba limodzi. Izi zimathandiza wogwiritsa ntchito kusunga ndikusankha inshuwalansi yomwe ikugwirizana ndi zosowa zawo.

🌿 Insurtechs: ubwino waukulu

• des apamwamba makonda. Chifukwa cha matekinoloje monga data yayikulu, ma inshuwaransi amatha kupereka chithandizo chamunthu payekha kwa wogwiritsa ntchito. Kutha kusonkhanitsa ndikusanthula kuchuluka kwa data kumapangitsa kuti zikhale zosavuta kukonza mautumiki kuzinthu zosiyanasiyana za ogula, zomwe zimapangitsa kuti pakhale ntchito yabwino kwamakasitomala.
• Kumasuka ndi liwiro. Ubwino wina ndi mwayi wopereka 100% ntchito yapaintaneti kwa ogula. Mwanjira imeneyi, ogula amapindula ndi mitengo yotsika komanso ocheperako ochepa.
• Kusanthula bwino chiopsezo. Kuyambira pano, ma inshuwaransi azitha kupereka chithandizo cholondola kwambiri kwa kasitomala aliyense. Pewani ogwiritsa ntchito kulipira chiwopsezo chachikulu, chochokera ku kusowa kwa chidziwitso.

🌿Malire akuluakulu a Insuretchs

Ngakhale zabwino zomwe tawona, pali zovuta zina zomwe tiyenera kuziganizira tikamagwiritsa ntchito mautumikiwa.

• Titha kupereka ma inshuwaransi ndi zambiri zokhudza thanzi lathu ndi zoopsa zomwe zingachitike popanda kudziwa.
• izi makampani akhoza kuphatikiza mapulogalamu kutsatira ndikugwiritsa ntchito zomwe mwapeza kutitumizira zotsatsa. Samalani makamaka ndi makampani akuluakulu aukadaulo omwe akulowa gawo ili.
• Koma mbali ina iliyonse ya intaneti, Tiyenera kusamala kwambiri zachitetezo cha pa intaneti ndikugwiritsa ntchito njira zabwino za digito kuti tiletse zambiri zathu kapena mbiri yathu kuti isagwe m'manja mwa anthu ena.

🌿 Chidule ...

• Insurtechs ndi makampani onse omwe amagwiritsa ntchito matekinoloje perekani inshuwaransi yaumwini kwa makasitomala awo. Amafuna kuwongolera zochitika za ogwiritsa ntchito
• Insurtech ndiukadaulo uliwonse womwe makampani a inshuwaransi amagwiritsa ntchito kuti asinthe magwiridwe antchito awo, kupereka chithandizo chabwinoko, kapena kusunga ndalama.
• Zitsanzo zodziwika bwino za insurtech zimaphatikizapo ma chatbots ndi mapulogalamu a smartphone.
• Insurtech ndi kampani yayikulu - ndalama zoposa 16,5 biliyoniNdalamazo zidalipiridwa kwa oyambitsa insurtech pakati pa 2010 ndi 2019.
• Makampani a inshuwaransi amasunga zidziwitso zamakasitomala awo, kotero chinsinsi ndi chitetezo cha data ndizofunikira kwambiri pa insurtech.

Tisiyeni ndemanga. Musananyamuke, apa pali maphunziro omwe amakuphunzitsani momwe mungagulitsire malangizo pa intaneti. Dinani apa kuti mugule.