Konke malunga ne-InsurTechs

Itekhnoloji iye yagqabhuka icandelo le-inshorensi ngamandla. Ngoku sithetha nge-Inshurensi Technologies okanye i-Insurtechs. Ngokuqinisekileyo uvile ngayo ngaphandle kokwazi ukuba lo mbono ubhekisa phi. Inyaniso kukuba ukutsha kweteknoloji kwishishini le-inshurensi yinto ukuba ngamnye wethu ujongene.

I-Insurtechs isiphumo sokuxubana kokufika kwewaka leminyaka, uphuhliso lwetekhnoloji, isidingo sokuqinisekisa iikhonsepthi ezintsha ezinje nge-Intanethi yeZinto kunye nokuvela kweemodeli ezahlukeneyo zoqoqosho ezinjenge. ukwabelana ngoqoqosho.

Kweli nqaku sithembisa ukuba NDIKUXELELE YONKE INTO malunga ne-insurtechs. Kodwa ngaphambi kokuba uqale, nalu uqeqesho olukuvumela ukuba wenze fumana i-1000euros / Usuku kwi-5euros.com. Cofa apha ukuze uyithenge.

🌿 Yintoni i-Insurtech?

Igama " I-Insurtechsisishunqulelo samagama amabini esiNgesi: i-inshurensi neteknoloji. I-Insurtechs inokuchazwa njenge isebe lefintech ozinikele kwilizwe le-inshorensi.

Ngamanye amazwi, sibhekisa kutshintsho lwetekhnoloji kwihlabathi le-inshurensi. Ke, sithetha ngeenkampani zokuqala okanye i-insurtech, xa iinkampani ezininzi zeinshurensi ezisebenzisa itekhnoloji ukuphuhlisa ishishini labo zidibene.

ngokuvumelana Investopedia, insurtech iphonononga iinketho ezinokuthi iinkampani ezinkulu zeinshorensi zibe nenkuthazo enganeno yokuzilandela. Ezi zizibonelelo ze iifonti zesiqhelo, ukhuseleko loluntu kunye nokusetyenziswa kwemithombo entsha yedatha evela kwizixhobo.

Ukongeza kwiimodeli ezingcono zamaxabiso, iinkampani ezintsha ze-insurtech zisebenzisa ubukrelekrele bokwenziwa. Oku ngokukodwa i ukufunda okunzulu ukulawula imisebenzi yabarhwebi kunye nokufumana umxube ochanekileyo wemigaqo-nkqubo ukubonelela ngepolisi ye-inshorensi ebanzi.

Phakathi kwezinye iimeko Ukusetyenziswa okunokwenzeka kwe-Insurtech, kubandakanya ukudalwa kweenkqubo ze-inshorensi ezifunekayo kwimisitho emincinci.

Njengeminyhadala emincinci, sinokusetyenziswa okwethutyana kwemoto ebolekiweyo okanye ukuthengwa kwe-inshurensi yezempilo ixesha elifutshane. Kunye nokwamkelwa kwemodeli yokugubungela iqela lobuqu kunye nezaphulelo zeqela.

🌿 Zisebenza njani ii-Insurtechs?

Ekubeni i-insurtech intsha ngenkcazo, izicelo zayo zihlala zivela. Ngokubanzi, Ii-Insurtechs ziyaphucuka kunye nokuphucula iinkqubo zokubuyela umva. Ikwaphucula amava omthengi kwaye igcine imali yenkampani yeinshurensi.

Les iingxoxo kunye neeapps ze-smartphone ziyimizekelo yendlela i-insurtech iphucula ngayo inkqubo yokubuyela umva.

Les iinkampani zeinshorensi azisafuni Ukuqesha abasebenzi benkonzo yabathengi ukuba baphendule kwiinkxalabo zabathengi. Uninzi lunokuphendulwa ngee-chatbots eziphendula ngokuzenzekelayo kwizicelo imini nobusuku.

Iiapps ze-smartphone zikwaphucula amava omthengi. Endaweni yokuprinta iikopi zeelayisensi kunye namanye amaxwebhu, umthengi unokuthatha nje umfanekiso ngefowuni yakhe kwaye yingenise nge-app.

Oku konga ixesha kunye nezixhobo kubo bobabini umthengi kunye nenkampani.

🌿 Iintlobo ze-Insurtech

Nazi ezinye zeentlobo eziqhelekileyo ze-insurtech onokuthi ulindele ukuzibona zisetyenziswa yinkampani yeinshurensi.

Ezinye zezi tekhnoloji ekugqibeleni ziya kuthathelwa indawo yitekhnoloji entsha, ngelixa ezinye ziya kuvela kwaye zihlale ziyinto ebalulekileyo ye-Insurtech.

🎯 Kukubhadla okungeyonyani

Ixesha ingqiqo ibhekisa kwisoftware ekwaziyo ukwenza imisebenzi eqhele ukunxulumana nabantu, njengokuqiqa nokufunda.

I-Sculpins, eyona nto iyinkqubo yekhompyutheni, inokunxibelelana nabathengi ngomlomo okanye ngokubhaliweyo. Lo ngomnye wemizekelo ye-inshurensi yezobuchwepheshe.

🎯 ukufunda koomatshini

Olunye uhlobo lwe-insurtech kukufunda koomatshini, okuyingxenye ye-Artificial Intelligence. Njengoko igama layo libonisa, ukufunda koomatshini bubuchwepheshe obuvumela oomatshini ukuba ukufunda " ixesha elidlulele. 

Isebenzisa i-algorithms ukulinganisa iinethiwekhi ze-neural kwingqondo yomntu. Ukufunda ngoomatshini kuvumela iikhompyuter ukuba zifumane ulwazi ngokukhupha iipateni kwidatha ekrwada kunokulandela imiyalelo ethile.

Inqaku eliza kufundwa: Iindlela ezintsha zentlawulo yedijithali

Iinkampani ze-inshurensi ziqokelela inani elikhulu ledatha, kodwa iinkampani ezingenazo i-Insurtech sebenzisa kuphela i-10% yale datha.

Ukufunda ngoomatshini kuvumela abanini-inshurensi ukuba basebenzise idatha yabo ngokufanelekileyo kwaye bakhuphe ulwazi oluxabisekileyo. Nazi ezinye izicelo ze-Assurtechs

• Imodeli yomngcipheko : uhlalutyo lwedatha yamabango ukuqikelela umngcipheko welahleko yexesha elizayo
• Ukufuna imodeli : Ukusetyenziswa kweemodeli zemathematika ukuqikelela iipremiyamu kunye nokuqikelela imfuno yemveliso yexesha elizayo
• Khangela ubuqhophololo : chonga iipateni zokuziphatha kobuqhophololo ngokufunda koomatshini ezingabonakaliyo kubalinganisi babantu
• Ukuqhubekeka kwamabango : ukuzenzekela kwengxelo yesikhalazo kunye nokusetyenzwa
• Umrhumo : Ukusebenzisa umatshini wokufunda ukunceda ababhali bangaphantsi bahlalutye idatha eqokelelwe kubafaki-zicelo, iimpazamo zeflegi kunye nokuqinisekisa ukuchaneka.

🎯 I-Intanethi yezinto

Olunye uhlobo lwe-Insurtech I-Intanethi yezinto. Eli gama libhekisa koomatshini abaqhelekileyo (njengeefriji noomabonakude) abaqhagamshelwe kwi-Intanethi.

Umzekelo we-IoT yi-telematics, ukusetyenziswa kwezixhobo zombane kwizithuthi ukuqokelela, ukufumana, ukugcina nokuhambisa idatha kwinethiwekhi.

🎯 Iiapps ze-smartphone

Iiapps ze-smartphone kwi-insurtech zinokuyilelwa abathengi, amashishini, okanye zombini. Ezi zicelo ze iinkampani zeinshorensi zenze lula inkqubo ye-inshurensi kubantu kumacala omabini entengiselwano.

🎯 Iidrones

Ezinye ii-inshurensi ziyasebenzisa iidrones, kubandakanywa i-inshurensi yepropathi. Iidrone zinokuhlola ipropati xa kuya kuba yingozi ukuthumela abantu ukuba bahlole, njengaye uphahla kunye neendawo zeentlekele.

Iinshurensi ze-P&C zisenokufumana ukusetyenziswa kweedrones, ezinjengokuhlola kunye nokufota indawo yengozi yemoto. Le teknoloji inokunceda ukwenza indawo yakho yokusebenza ikhuseleke.

🌿 Ukuhlelwa kwee-Insurtechs

Ukuhlelwa kokuqala kwe-Insurtech kunokwenziwa ngokwesakhelo solawulo esilawulayo. Kukho amaqela amane e-insurtech:

• Iinkampani ezivunywe ngumlawuli wecandelo, kuba benza imisebenzi efuna oko. Oku kunokubandakanya ii-inshurensi, ii-inshorensi brokers, ii-arhente ezibhala phantsi, njl.
• Iinkampani okwangoku zikwindawo engwevu, nangona zingenako ukungena kulo naliphi na ilungiselelo elisemthethweni elikhoyo. Benza imisebenzi eya kufuna ummiselo ofanelekileyo.
• Iinkampani zetekhnoloji ezixhasayo, nangona bekwicandelo le-inshorensi, babonelela ngemisebenzi encedisayo ekungafanelanga ukuba ithathwe njengamaqumrhu alawulwayo. Apha, umzekelo, kukho isoftware ye-inshorensi okanye ababoneleli bezakhiwo.
• Iinkampani ezisebenza kumacandelo amaninzi zombini kunye ne-inshurensi ayingowona msebenzi wabo uphambili weshishini. Umzekelo unokuba yinkampani ebonelela ngenkonzo yokuchonga yedijithali.

Ulwahlulo lwangaphambili lusivumela ukuba siqonde ukungafani kwe-Insurtech universe kunye nemingeni eyenzayo kwixesha elizayo. Ezinye zeenkonzo ezintsha abazinikezelayo zilungelelaniswe kwiimfuno ezintsha zothutho lwasezidolophini (iibhayisekile kunye nee-scooters) okanye ulawulo lwe-drone.

Inqaku eliza kufundwa: Uyenza njani kwaye uthengise iikhosi ze-intanethi kwiwebhusayithi yakho?

Ingcinga yokuba netyala loluntu kwezi nkampani malunga nemisebenzi yethu kuthungelwano nayo iqalile ukukhula. Ke, iqala ukubonelela ngokhuselo ngokuchasene nokuhlaselwa kwe-cyber kwizixhobo zethu zombane.

Kukho amanye amaqela e-Insurtech, agxile ekuhlanganiseni ulwazi malunga neinshurensi ezahlukeneyo kwiwebhusayithi enye. Oku kuvumela umsebenzisi ukuba agcine kwaye akhethe i-inshurensi efanele iimfuno zabo.

🌿 I-Insurtechs: iinzuzo eziphambili

• des amanqanaba aphezulu okwenziwa ngokwezifiso. Enkosi kubuchwephesha obunje ngedatha enkulu, ii-inshorensi zinokunikezela ngeenkonzo zobuqu kumsebenzisi. Ukukwazi ukuqokelela kunye nokuhlalutya umthamo omkhulu wedatha kwenza kube lula ukulungelelanisa iinkonzo kwiiprofayili ezahlukeneyo zabathengi, okukhokelela kwinkonzo esebenzayo yabathengi.
• Ukulula kunye nesantya. Enye inzuzo kukubonelela ngenkonzo ye-intanethi ye-100% kubathengi. Ngale ndlela, abathengi bayazuza kumaxabiso angqongqo kunye nabangeneleli abambalwa.
• Uhlalutyo olungcono lomngcipheko. Ukusukela ngoku ukuya phambili, ii-inshurensi ziya kuba nakho ukunika inkonzo echanekileyo ngakumbi kumxhasi ngamnye. Gwema abasebenzisi ukuba bahlawule uqikelelo oluphezulu lomngcipheko, oluvela kukungabikho kolwazi.

🌿Imida engundoqo ye-Insuretchs

Ngaphandle kweenzuzo esizibonileyo, kukho imingcipheko ekufuneka siyiqwalasele xa sisebenzisa ezi ntlobo zeenkonzo.

• Singabonelela ngee-inshurensi ulwazi malunga nempilo yethu kunye neengozi ezinxulumene noko ngaphandle kolwazi lwethu.
• la iinkampani zinokudibanisa isoftware ukulandelela kunye nokusebenzisa idatha efunyenweyo ukuze sisebenzele intengiso. Qaphela ngakumbi iinkampani ezinkulu zetekhnoloji ezingena kweli shishini.
• Ewe nayiphi na enye inkalo ye-Intanethi, kufuneka sithathe amanyathelo okhuseleko agqithisileyo kwaye samkele iindlela ezilungileyo zedijithali ukuthintela idatha yethu yobuqu okanye iiprofayili ukuba ziwele ezandleni zabanye abantu.

🌿 Isishwankathelo ...

• Ii-Insurtechs zizo zonke iinkampani ezisebenzisa itekhnoloji unikezela ngeenkonzo ze-inshorensi zomntu kubathengi babo. Bajolise ekuphuculeni amava abasebenzisi
• I-Insurtech nabuphi na ubuchwephesha obusetyenziswa ziinkampani zeinshorensi ukuze zilungelelanise imisebenzi yazo, zibonelele ngenkonzo engcono, okanye zonge imali.
• Imizekelo eqhelekileyo ye-insurtech ibandakanya ii-chatbots kunye neeapps ze-smartphone.
• I-Insurtech yinkampani enkulu- phezu $16,5 billions yenkxaso-mali yahlawulwa kwi-insurtech yokuqalisa phakathi kuka-2010 no-2019.
• Iinkampani ze-inshurensi zigcina ulwazi olubuthathaka malunga nabathengi bazo, ngoko ke ubumfihlo kunye nokhuseleko lwedatha kubaluleke kakhulu kwi-insurtech.

Sishiyele uluvo. Ngaphambi kokuba uhambe, nalu uqeqesho olukufundisayo indlela yokuthengisa iingcebiso kwi-intanethi. Cofa apha ukuze uyithenge.