Konke mayelana ne-InsurTechs

Ubuchwepheshe sebugqame kakhulu umkhakha womshwalense ngamandla. Manje sikhuluma nge-Insurance Technologies noma i-Assurtechs. Impela uzwe kukhulunywa ngaphandle kokwazi ukuthi lo mqondo uqondeni. Iqiniso liwukuthi ukusungulwa kwezobuchwepheshe emkhakheni womshuwalense kuyinto ukuthi ngamunye wethu ubhekene.

Ama-insurtechs aphumela ekuhlanganisweni kokufika kwezinkulungwane zeminyaka, intuthuko yezobuchwepheshe, isidingo sokuqinisekisa imiqondo emisha njenge-inthanethi Yezinto kanye nokuvela kwamamodeli ezomnotho ahlukene njenge umnotho wokubambisana.

Kulesi sihloko sithembisa AKUTSHELE KONKE mayelana ne-Insurtech. Kodwa ngaphambi kokuthi uqale, nakhu ukuqeqeshwa okukuvumela ukuthi ukwenze zuza i-1000euros/Ngosuku ku-5euros.com. Chofoza lapha ukuze uyithenge.

🌿 Iyini i-Insurtech?

Igama I-Insurtech» isifinyezo samagama amabili esiNgisi: umshwalense kanye nobuchwepheshe. Ama-Insurtechs angachazwa ngokuthi igatsha le-Fintech onikezelwe emhlabeni womshuwalense.

Ngamanye amazwi, sibhekisela ekwakhiweni okusha kwezobuchwepheshe emhlabeni womshwalense. Ngakho-ke, sikhuluma ngezinkampani eziqalayo noma ze-insurtech, lapho izinkampani zomshwalense ezimbalwa ezisebenzisa ubuchwepheshe ukuthuthukisa ibhizinisi labo sezihlangene.

ngokusho I-Investopedia, i-insurtech ihlola izinketho izinkampani zomshwalense ezinkulu ezinomfutho omncane wokuzilandela. Lezi izinhlinzeko ze amafonti enziwe ngokwezifiso kakhulu, ukuphepha komphakathi kanye nokusetshenziswa kwedatha entsha kugeleza kusuka kumadivayisi.

Ngokungeziwe kumamodeli wamanani angcono, izinkampani ezintsha ze-insurtech zisebenzisa ubuhlakani bokwenziwa. Lokhu ikakhulukazi i- ukufunda okujulile ukuphatha imisebenzi yabathengi kanye nokuthola inhlanganisela efanele yezinqubomgomo ukuze unikeze umshwalense ophelele.

Phakathi kwamanye amacala ukusetshenziswa okungenzeka kwe-Insurtech, kubandakanya ukudalwa kwezinhlelo zomshwalense odingeka kakhulu wemicimbi emincane.

Njengemicimbi emincane, sinokusetshenziswa kwesikhashana kwemoto ebolekiwe noma ukuthengwa komshwalense wezempilo isikhathi esifushane. Nokwamukelwa kwemodeli yokukhava yeqembu elenzelwe wena siqu izaphulelo zeqembu.

🌿 Asebenza kanjani ama-Insurtechs?

Njengoba i-insurtech iyintsha ngencazelo, izinhlelo zokusebenza zayo zihlala zivela. Ngokuvamile, I-Assurtechs iyalinganisela futhi uthuthukise izinqubo ze-backend. Iphinde ithuthukise ulwazi lwekhasimende futhi yonge imali yenkampani yomshwalense.

Les izingxoxo kanye nezinhlelo zokusebenza ze-smartphone ziyizibonelo zendlela i-insurtech eyenza ngayo inqubo ye-backend.

Les izinkampani zomshwalense azisamdingi ukuqasha abasebenzi benkonzo yamakhasimende ukubhekana nezinkinga zamakhasimende. Eziningi zingaphendulwa ngama-chatbots aphendula ngokuzenzakalelayo izicelo imini nobusuku.

Izinhlelo zokusebenza zama-smartphone nazo zithuthukisa ukuzizwisa kwekhasimende. Esikhundleni sokuphrinta amakhophi wamalayisensi neminye imibhalo, ikhasimende lingavele lithathe isithombe ngocingo lwalo futhi hambisa ngesicelo.

Lokhu konga isikhathi nezinsiza kukho kokubili ikhasimende nenkampani.

🌿 Izinhlobo ze-Insurtech

Nazi ezinye zezinhlobo ezijwayelekile ze-insurtech ongase ulindele ukuzibona zisetshenziswa inkampani yomshwalense.

Obunye balobu buchwepheshe ekugcineni buzothathelwa indawo ubuchwepheshe obusha, kuyilapho obunye buzovela futhi buhlale buyingxenye ebalulekile ye-Insurtech.

🎯 Ukuhlakanipha okungekhona okwangempela

ethemini ukuhlakanipha okufakelwayo isho isofthiwe ekwazi ukwenza imisebenzi evamise ukuhlotshaniswa nabantu, njengokucabanga nokufunda.

Ama-Chatbots, okuyizinhlelo zekhompiyutha, angakwazi ukuxhumana namakhasimende ngomlomo noma ngombhalo. Lesi ngesinye sezibonelo zomshwalense wezobuchwepheshe.

🎯 ukufunda ngomshini

Olunye uhlobo lwe-insurtech ukufunda ngomshini, okuyingxenye ye-Artificial Intelligence. Njengoba igama liphakamisa, ukufunda ngomshini kuwubuchwepheshe obuvumela imishini " ukufunda " ngokuhamba kwesikhathi. 

Isebenzisa ama-algorithms ukulingisa amanethiwekhi e-neural ebuchosheni bomuntu. Ukufunda ngomshini kuvumela amakhompyutha ukuthi athole ulwazi ngokukhipha amaphethini kudatha eluhlaza kunokulandela imiyalelo ethile.

I-athikili okufanele ifundwe: Izindlela zokukhokha zedijithali ezintsha

Izinkampani zomshuwalense ziqoqa idatha enkulu, kodwa izinkampani ezingenayo i-Insurtech sebenzisa kuphela u-10% wale datha.

Ukufunda ngomshini kuvumela izinkampani zomshuwalense ukuthi zisebenzise idatha yazo ngempumelelo kakhudlwana futhi zikhiphe imininingwane ebalulekile. Nazi ezinye izinhlelo zokusebenza ezivela kwa-Assurtechs

• Ukumodela ingozi : ukuhlaziywa kwedatha yezimangalo ukubikezela ingozi yokulahlekelwa okuzayo
• Funa ukumodela : ukusetshenziswa kwamamodeli ezibalo ukulinganisa amaphrimiyamu nokubikezela isidingo somkhiqizo esizayo
• Thola Ukukhwabanisa : khomba amaphethini okuziphatha okukhohlisayo ngokufunda komshini okungabonakali kwabalinganisi babantu
• Ukucutshungulwa kwezimangalo : ukuzenzekelayo kokubika nokucutshungulwa kwesikhalazo
• Ukubhalisa : Ukusebenzisa ukufunda komshini ukusiza ababhali bangaphansi bahlaziye idatha eqoqwe kusuka kubafakisicelo, amaphutha efulegi futhi uqinisekise ukunemba.

🎯 I-inthanethi Yezinto

Olunye uhlobo lwe-Insurtech I-inthanethi Yezinto. Leli gama lisho imishini ejwayelekile (njengeziqandisi nomabonakude) exhunywe ku-inthanethi.

Isibonelo se-IoT i-telematics, ukusetshenziswa kwezinto zikagesi ezimotweni ukuqoqa, ukwamukela, ukugcina nokudlulisa idatha ngenethiwekhi.

🎯 Izinhlelo zokusebenza ze-smartphone

Izinhlelo zokusebenza zama-smartphone ku-insurtech zingakhelwa amakhasimende, amabhizinisi, noma kokubili. Lezi zicelo ze izinkampani zomshwalense zenze zaba lula inqubo yomshwalense yabantu ezinhlangothini zombili zokuthengiselana.

🎯 Ama-drones

Abanye bomshwalense bayasebenzisa ama-drones, ikakhulukazi abashwalense bezakhiwo. Ama-Drones angahlola impahla lapho kungaba okungaphephile ukuthumela abantu ukuthi bayohlola, njengokuthi uphahla kanye nezindawo zenhlekelele.

Abadayisi bomshwalense be-P&C bangase bathole ukusetshenziswa kwama-drones, njengokuhlola nokuthwebula indawo yengozi yemoto. Lobu buchwepheshe bungasiza ukwenza indawo yakho yokusebenza iphephe kakhudlwana.

🌿 Ukuhlukaniswa kwe-Insurtechs

Isigaba sokuqala se-Insurtech singenziwa ngokuya ngohlaka lokulawula oluyilawulayo. Kunamaqembu amane e-insurtech:

• Izinkampani ezigunyazwe umlawuli womkhakha, ngoba benza imisebenzi edingekayo. Lokhu kungase kuhlanganise abadayisi bomshwalense, abadayisi bomshwalense, ama-ejensi abhala ngaphansi, njll.
• Izinkampani njengamanje zisendaweni empunga, nakuba zingenakungena kunoma iyiphi ilungiselelo elikhona elingokomthetho. Benza imisebenzi ezodinga ukulawulwa okufanele.
• Sekela izinkampani zobuchwepheshe, nakuba ziyingxenye yomkhakha womshwalense, zinikeza imisebenzi ehambisanayo okungafanele ithathwe njengezinkampani ezilawulwayo. Lapha, isibonelo, kukhona isofthiwe yomshwalense noma abahlinzeki bengqalasizinda.
• Izinkampani ezisebenza emikhakheni eminingana kokubili kanye nomshwalense akuwona umsebenzi wabo oyinhloko webhizinisi. Isibonelo kungaba inkampani ehlinzeka ngensizakalo yokuhlonza idijithali.

Ukuhlukaniswa kwangaphambilini kusivumela ukuthi siqonde ukuhlukahluka kwendawo yonke ye-Insurtech kanye nezinselelo eziba nazo esikhathini esizayo. Ezinye zezinsizakalo ezintsha abazinikezayo zivumelaniswa nezidingo ezintsha zezokuthutha zasemadolobheni (amabhayisikili nezikuta) noma ukuphathwa kwe-drone.

I-athikili okufanele ifundwe: Ungazakha futhi uzithengise kanjani izifundo eziku-inthanethi kuwebhusayithi yakho?

Umbono wesibopho somphakathi walezi zinkampani mayelana nemisebenzi yethu kunethiwekhi nawo usuqalile ukuthuthuka. Ngakho-ke, iqala ukunikeza ukuvikeleka ngokumelene nokuhlasela kwe-cyber kumishini yethu ye-elekthronikhi.

Kunamanye amaqembu e-Insurtech, asebenza ngokukhethekile ekuhlanganiseni ulwazi mayelana nabashwalensi abahlukene kuwebhusayithi eyodwa. Lokhu kuvumela umsebenzisi ukuthi alondoloze futhi akhethe umshwalense ozifanela kangcono izidingo zabo.

🌿 Ama-Insurtechs: izinzuzo eziyinhloko

• des amazinga aphezulu okwenza ngokwezifiso. Ngenxa yobuchwepheshe obufana nedatha enkulu, abadayisi bomshwalense banganikela ngezinsizakalo eziqondene nawe kumsebenzisi. Ikhono lokuqoqa nokuhlaziya amanani amakhulu wedatha lenza kube lula ukuhlanganisa izinsiza kumaphrofayili abathengi ahlukene, okuholela ekusetshenzisweni kwamakhasimende okusebenza kahle kakhulu.
• Ukukhululeka kanye nesivinini. Enye inzuzo ukuthi kungenzeka ukunikeza isevisi ye-inthanethi engu-100% kubathengi. Ngale ndlela, abathengi bayazuza emananini aphansi kanye nabaphakathi abambalwa.
• Ukuhlaziywa kwengozi okungcono. Kusukela manje kuya phambili, abashwalensi bazokwazi ukunikeza isevisi enembe kakhulu kukhasimende ngalinye. Gwema abasebenzisi ukuthi bakhokhele isilinganiso sobungozi obuphezulu, obususelwe ekuntulekeni kolwazi.

🌿Imikhawulo eyinhloko ye-Insuretchs

Ngaphandle kwezinzuzo esizibonile, kunezingozi ezithile okudingeka sizicabangele lapho sisebenzisa lezi zinhlobo zamasevisi.

• Singahlinzeka ngomshwalense nge ulwazi ngempilo yethu kanye nezingozi ezihlobene nazo ngaphandle kokuzazi kwethu.
• Ces izinkampani zingahlanganisa isofthiwe ukulandelela nokusebenzisa idatha etholiwe ukusinikeza ukukhangisa. Qaphela ikakhulukazi izinkampani ezinkulu zobuchwepheshe ezingena kulo mkhakha.
• njengoba i- noma iyiphi enye ingxenye ye-inthanethi, kufanele sithathe izinyathelo zokuphepha ezidlulele futhi sisebenzise izinqubo ezinhle zedijithali ukuvimbela idatha yethu yomuntu siqu noma amaphrofayela ukuthi awele ezandleni zabantu besithathu.

🌿 Isifinyezo ...

• Ama-Insurtech yizo zonke izinkampani ezisebenzisa ubuchwepheshe hlinzeka ngezinsizakalo zomshwalense womuntu siqu kumakhasimende abo. Bahlose ukuthuthukisa ulwazi lomsebenzisi
• I-Insurtech yinoma yibuphi ubuchwepheshe obusetshenziswa izinkampani zomshwalense ukwenza lula ukusebenza kwazo, ukunikeza isevisi engcono, noma ukonga imali.
• Izibonelo ezijwayelekile ze-insurtech zihlanganisa ama-chatbots nezinhlelo zokusebenza ze-smartphone.
• I-Insurtech yinkampani enkulu - ngaphezu kwezigidi eziyizinkulungwane ezingu-16,5 zamaRandis yezimali ikhokhwe kuma-insurtech startups phakathi kuka-2010 no-2019.
• Izinkampani zomshwalense zigcina ulwazi olubucayi mayelana namakhasimende azo, ngakho ubumfihlo nokuvikeleka kwedatha kubaluleke kakhulu ku-insurtech.

Sishiyele amazwana. Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukufundisayo indlela yokuthengisa izeluleko ku-inthanethi. Chofoza lapha ukuze uyithenge.