Zvese nezveInsurTechs

Tekinoroji yakapinda chikamu cheinishuwarenzi nesimba. Isu tave kutaura nezveInishuwarenzi Technologies kana Insurtechs. Chokwadi wakambonzwa nezvazvo usingazive kuti pfungwa iyi inorevei. Chokwadi ndechekuti tekinoroji innovation muindasitiri yeinishuwarenzi chimwe chinhu izvo mumwe nemumwe wedu akatarisana nazvo.

Insurtechs inokonzerwa nekusanganiswa kwekuuya kwemireniyumu, kusimukira kwetekinoroji, kukosha kwekusimbisa pfungwa nyowani senge Internet yezvinhu uye kubuda kwemhando dzakasiyana dzehupfumi senge. hupfumi hwekubatana.

Munyaya ino tinovimbisa KUUDZA ZVINHU ZVOSE nezve insurtechs. Asi usati watanga, heino kudzidziswa kunokubvumira kuti uite kuwana 1000euros/Zuva pa5euros.com. Dzvanya pano kuti uitenge.

🌿 Chii chinonzi Insurtech?

Shoko " Insurtechndiwo chidimbu chemazwi maviri echiRungu: inishuwarenzi uye tekinoroji. Insurtechs inogona kutsanangurwa se iyo fintech bazi uyo akazvipira kunyika yeinishuwarenzi.

Mune mamwe mazwi, isu tinoreva tekinoroji innovation munyika yeinishuwarenzi. Nekudaro, isu tinotaura nezve ekutanga kana insurtech makambani, apo akati wandei makambani einishuwarenzi anoshandisa tekinoroji kusimudzira bhizinesi ravo auya pamwechete.

maererano Investopedia, iyo insurtech inotsvaga zvingasarudzwa izvo makambani makuru einishuwarenzi ane zvishoma zvinokurudzira kutevera. Izvi zvinopihwa zve ultra-personalized fonts, kuchengetedzeka kwevanhu uye kushandiswa kwezvitsva zve data kubva kumidziyo.

Pamusoro pemhando dzemitengo dziri nani, makambani matsva e insurtech ari kushandisa hungwaru hwekugadzira. Izvi zvinonyanya kudzidza zvakadzika kubata mabasa ebroker uye kuwana musanganiswa wakakodzera wemitemo yekupa yakazara inishuwarenzi policy.

Pakati pezvimwe zviitiko zvinogona kushandiswa kweInsurtech, zvinosanganisira kugadzirwa kwe-on-demand inishuwarenzi zvirongwa zvezvidiki-zviitiko.

Sezvidiki-zviitiko, tine kushandiswa kwenguva pfupi kwemotokari yakakweretwa kana kutenga inishuwarenzi yehutano kwenguva pfupi. Uye kutorwa kwemhando yemhando yekuvhara yeboka ine zvidzikisiro zveboka.

🌿 Insurtechs inoshanda sei?

Sezvo insurtech iri nyowani netsanangudzo, mashandisirwo ayo ari kuramba achibuda. Kazhinji, Assurtechs inoruramisa uye kuvandudza backend process. Inovandudzawo ruzivo rwevatengi uye inochengetedza mari yekambani yeinishuwarenzi.

Les chatbots uye mapurogiramu e-smartphone mienzaniso yekuti insurtech iri kugadzirisa sei maitiro ekudzokera shure.

Les makambani einishuwarenzi haachada Hiya vashandi vebasa revatengi kuti vapindure kune zvinonetsa mutengi. Mazhinji anogona kupindurwa nema chatbots anopindura otomatiki kuzvikumbiro siku nesikati.

Smartphone apps zvakare inosimudzira ruzivo rwevatengi. Panzvimbo pekudhinda mafotokopi emarezinesi uye mamwe magwaro, mutengi anogona kungotora mufananidzo nefoni yavo uye tumira kuburikidza nekunyorera.

Izvi zvinochengetedza nguva uye zviwanikwa kune vese mutengi nekambani.

🌿 Mhando dzeInsurtech

Heano mamwe emhando dzakajairika dzeinsurtech dzaungatarisira kuona dzichishandiswa nekambani yeinishuwarenzi.

Mamwe eaya matekinoroji anozopedzisira atsiviwa nehunyanzvi tekinoroji, nepo mamwe achizoshanduka oramba ari chinhu chakakosha cheInsurtech.

🎯 Artificial Intelligence

Izwi njere yekufunga zvinoreva software inokwanisa kuita mabasa anowanzo sangana nevanhu, sekufunga nekudzidza.

Sculpins, izvo zvinonyanya zvirongwa zvekombuta, zvinogona kutaurirana nevatengi nemuromo kana nemavara. Uyu mumwe wemienzaniso yeinishuwarenzi yetekinoroji.

🎯 kudzidza muchina

Imwe mhando ye insurtech kudzidza muchina, inova chikamu cheArtificial Intelligence. Sezvinoratidzwa nezita rayo, kudzidza kwemichina inyanzvi inobvumira michina kuita kudzidza " kupfuuridza nguva. 

Inoshandisa algorithms kutevedzera neural network muhuropi hwemunhu. Kudzidza kwemichina kunobvumira makomputa kuwana ruzivo nekutora mapatani kubva kune yakabikwa data pane kutevedzera mirairo chaiyo.

Nyaya yekuverenga: Nzira itsva dzekubhadhara dzedhijitari

Makambani einishuwarenzi anounganidza yakawanda data, asi makambani asina Insurtech shandisa 10% chete yedata iyi.

Kudzidza kwemichina kunoita kuti mainishuwarenzi awedzere ruzivo rwavo zvakanyanya uye kutora ruzivo rwakakosha. Heano mamwe maapplication eAssurtechs

• Risk modelling : kuongororwa kwedata rekuda kufanotaura njodzi yekurasikirwa kweramangwana
• Demand modeling : kushandiswa kwemasvomhu modhi kufungidzira maprimiyamu uye kufanotaura kudiwa kwechigadzirwa mune ramangwana
• Tsvaga Chitsotsi : tsvaga maitiro ehutsotsi nekudzidza muchina izvo zvisiri pachena kune vanogadzirisa vanhu
• Claims processing: otomatiki yekuzivisa zvichemo uye kugadzirisa
• Kunyoresa : Kushandisa muchina kudzidza kubatsira vanonyora pasi kuongorora data rakaunganidzwa kubva kune vanonyorera, zvikanganiso zvemureza uye kuona chokwadi.

🎯 IInternet yezvinhu

Imwe mhando yeInsurtech ndeye Indaneti yezvinhu. Iri izwi rinoreva michina yakajairika (sefiriji nematerevhizheni) yakabatana neInternet.

Muenzaniso weIoT ndeye telematics, kushandiswa kwemidziyo yemagetsi mumotokari kuunganidza, kugamuchira, kuchengeta uye kutumira data pamusoro petiweki.

🎯 Smartphone apps

Smartphone maapplication ari insurtech anogona kugadzirirwa vatengi, mabhizinesi, kana zvese zviri zviviri. Zvikumbiro izvi zve makambani einishuwarenzi akarerutsa nzira yeinishuwarenzi yevanhu vari kumativi maviri ekutengeserana.

🎯 Drones

Mamwe mainishuwarenzi anoshandisa drones, kusanganisira makambani einishuwarenzi. Drones inogona kuongorora chivakwa kana zvingava nengozi kutumira vanhu kuti vaongorore, senge pamusoro pematenga uye nzvimbo dzenjodzi.

P&C mainishuwarenzi anogona zvakare kuwana kushandiswa kwema drones, sekutarisa uye kutora mafoto saiti yetsaona yemotokari. Iyi tekinoroji inogona zvakare kubatsira kuita kuti nzvimbo yako yebasa ive yakachengeteka.

🌿 Classification yeInsurtechs

Kuiswa kwekutanga kweInsurtech kunogona kuitwa zvinoenderana nehurongwa hwekutonga hunovatonga. Kune mapoka mana e insurtech:

• Makambani ane mvumo yebazi regulator, nokuti vanoita mabasa anodiwa. Izvi zvinogona kusanganisira inshuwarisi, vatengesi veinishuwarenzi, masangano ekunyora pasi, nezvimwe.
• Makambani parizvino ari munzvimbo yegrey, kunyange zvazvo dzisingakwanisi kupinda mugadziriro ipi neipi yepamutemo iripo. Vanoita mabasa anoda mitemo yakakodzera.
• Tsigira tekinoroji makambani ayo, kunyangwe vari vechikamu cheinishuwarenzi, vanopa zviitiko zvinowirirana izvo zvisingafanirwe kutorwa semasangano anodzorwa. Pano, semuenzaniso, kune inishuwarenzi software kana zvivakwa zvinopa.
• Makambani anoshanda muzvikamu zvakawanda zvose uye inishuwarenzi harisi iro basa ravo guru rebhizimisi. Muenzaniso unogona kunge uri kambani inopa dhijitari yekuzivikanwa sevhisi.

Iyo yakapfuura kupatsanurwa inotibvumira kuti tinzwisise iyo heterogeneity yeInsurtech universe uye matambudziko ainounza mune ramangwana. Mamwe masevhisi matsva avanopa akachinjirwa kune zvitsva zvinodikanwa zvekutakura mudhorobha (mabhasikoro uye scooters) kana manejimendi echi drone.

Nyaya yekuverenga: Maitiro ekugadzira uye kutengesa online makosi pane yako webhusaiti webhusaiti?

Pfungwa yekuva nemhosva yemakambani aya maererano nemabasa edu padandemutande yatangawo kukura. Nekudaro, inotanga kugovera kuvharidzira kurwisa cyberattacks pamidziyo yedu yemagetsi.

Kune mamwe mapoka eInsurtech, ane hunyanzvi mukuunza pamwechete ruzivo nezve akasiyana mainishuwarenzi pane imwe webhusaiti. Izvi zvinobvumira mushandisi kuchengetedza uye kusarudza inishuwarenzi inonyatsokodzera zvavanoda.

🌿 Insurtechs: iyo yakakosha mabhenefiti

• Des mazinga epamusoro ekugadzirisa. Kutenda kumatekinoroji akadai sedata hombe, mainishuwarenzi anogona kupa masevhisi emunhu kumushandisi. Iko kugona kuunganidza uye kuongorora mavhoriyamu makuru e data kunoita kuti zvive nyore kugadzirisa masevhisi kune akasiyana maprofile evatengi, zvichikonzera kushanda kwakawanda kwevatengi.
• Kureruka uye nekukurumidza. Imwe mukana mukana wekupa 100% online sevhisi kune vatengi. Nenzira iyi, vatengi vanobatsirwa nemitengo yakaderera uye vashoma vanopindirana.
• Zviri nani kuongorora njodzi. Kubva zvino zvichienda mberi, veinishuwarenzi vanozokwanisa kupa basa rakanyanya kujeka kune mumwe nemumwe mutengi. Dzivisa vashandisi kubhadhara chiyero chepamusoro-chepamusoro, chinobva mukushaikwa kweruzivo.

🌿Iyo miganho mikuru yeInsuretchs

Kunyangwe mabhenefiti atakaona, pane dzimwe njodzi dzatinofanira kufunga nezvadzo kana tichishandisa marudzi aya emasevhisi.

• Tinogona kupa ma insurer ne ruzivo nezvehutano hwedu uye njodzi dzakabatana pasina ruzivo rwedu.
• izvi makambani anogona kubatanidza software kutevera uye kushandisa iyo data yakawanikwa kutiitira isu kushambadzira. Ngwarira zvakanyanya nemakambani makuru etekinoroji anopinda muindastiri iyi.
• Asi chero chimwe chikamu cheInternet, isu tinofanira kutora yakanyanyisa cybersecurity precaution uye kutora yakanaka dhijitari maitiro kudzivirira yedu pachedu data kana profiles kubva kuwira mumaoko evatatu.

🌿 Pfupiso ...

• Insurtechs makambani ese anoshandisa tekinoroji ku kupa personalized insurance services kune vatengi vavo. Vanovavarira kuvandudza ruzivo rwevashandisi
• Insurtech chero tekinoroji inoshandiswa nemakambani einishuwarenzi kugadzirisa mashandiro avo, kupa sevhisi iri nani, kana kuchengetedza mari.
• Mienzaniso yakajairika ye insurtech inosanganisira chatbots uye smartphone apps.
• Insurtech ikambani huru - anopfuura mabhiriyoni 16,5 emadhoramari yakaendeswa kune insurtech kutanga pakati pa2010 na2019.
• Makambani einishuwarenzi anochengeta ruzivo rwakadzama nezvevatengi vavo, saka kuvanzika uye kuchengetedza data kwakakosha kune insurtech.

Tisiye mhinduro. Usati waenda, heino dzidziso inokudzidzisa kutengesa mazano paInternet. Dzvanya pano kuti uitenge.