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《怪诞行为学》作者加盟P2P保险商

随着各保险创业公司之间的竞争日渐升温,总部位于纽约的Lemonade决定出一个新招。他们聘请了著名的行为经济学专家Dan Airely帮助设计其即将进行的P2P项目。

Lemonade的一份报告显示,杜克大学教授、非理性行为畅销书作家Ariely即将加盟Lemonade,成为其首席行为学执行官。Ariely在一份声明中表示:“如果你想要创造出一个能展现人类最丑恶的面孔的系统,那这个系统大概就是当今的保险体系。近年来,我们都在试图加深对诚实和信任的理解。我们的结论就是保险业急需改造。”

Lemonade还未公布其将提供的保险服务的细节。其保险服务将在今年晚些时候推向市场。和P2P借贷形式相似,Lemonade会把需要保险的人和持有资本的投资人汇集到一起。Lemonade由Shai Wininger和Daniel Schreiber联合创立,并在去年的种子轮融资中获得来自红杉资本和Aleph共1300万美元的支持。

杜克教授Ariely一直与Daniel Kahneman保持密切的工作关系,而去年Daniel因其对行为经济学的贡献获得了诺贝尔经济学奖。Ariely的著作包括《怪诞行为学:影响人类决定的隐形力量》。该书解释了为什么传统经济学力量如供求理论并不能解释全部的人类经济行为。

Ariely拥有认知心理学博士学位而非经济学学位。而他在Lemonade将要和一群保险业的资深员工共事。上个月,Lemonade任命在美国保险业巨头AIG拥有25年工作经验的Ty Sagalow作为其首席保险官。去年雇佣的几位高管也大多来自ACE和AIG.

前些年,当所谓的金融科技创业企业还把注意力放在借贷和投资方面时,今年,已经有一部分的新公司致力于加入保险业。我们持续追踪了八家试图全面创新保险业务的公司,其中包括Lemonade,经纪业务平台Embroker和人身安全保险公司Ladder.

除美国外,其他国家的P2P保险发展更胜。总部在英国的Guevara让特定数量的人通过整合各自的资源来给汽车投保。德国的Friendsurance则在传统投保范围的基础上增加了对家庭财产、个人债务、法律开销等的保险。

但就企业规模和成熟度来说,这些P2P保险公司还远不及P2P信贷公司如LendingClub或者On Deck Capital,目前这两家公司已经完成上市。

With the battle among insurance startups heating up this year, New York-based Lemonade said it hired noted behavioral economics expert Dan Ariely to help design its upcoming peer-to-peer offering.

Ariely, a professor at Duke University and author of several best-sellers about irrational behavior, will serve as chief behavioral officer, Lemonade said in a release. "If you tried to create a system to bring out the worst in humans, it would look a lot like the insurance of today," Ariely said in a statement. "We’ve spent recent years deepening our understanding of honesty and trust, and our conclusion is that insurance is crying out for a makeover."

Lemonade still has yet to offer much detail about its insurance service, which is expected to hit the market later this year, but similar to the peer lending model, the company will try to bring together people in need of insurance and investors with capital to back them. Founded by Shai Wininger and Daniel Schreiber, Lemonade raised $13 million in seed funding from two venture capital funds, Sequoia Capital and Aleph, last year.

The Duke professor has worked closely in his career with Daniel Kahneman, who won the Nobel Prize in 2002 for his contributions to behavioral economics. Ariely's books include "Predictably Irrational: The Hidden Forces That Shape Our Decisions," which explained why traditional economic concepts such as supply and demand sometimes failed to predict human behavior.

At Lemonade, Ariely, who holds a Ph.D. in cognitive psychology but not economics, joins a staff filled with insurance industry veterans. Last month the company appointed Ty Sagalow, whose resume includes a 25-year stint at insurance giant American International Group (AIG), as chief insurance officer. And several top executives hired last year hailed from ACE and AIG.

While most so-called fintech startups have focused on lending and investing over the past few years, more than a handful of new companies are looking to break into insurance this year. CB Insights is tracking eight companies expected to make a "full roll-out" of insurance service this year, including Lemonade, brokerage platform Embroker and life insurance-focused Ladder.

Peer-to-peer insurance startups outside the United States are farther along. U.K.-based Guevara lets groups of people insure their cars together by pooling their resources. Friendsurance in Germany gathers groups to insure home contents, private liability, and legal expenses in combination with more traditional insurance coverage.

But none are anywhere near the size and maturity of lending startups like LendingClub (LC) and On Deck Capital (ONDK), which have both gone public.


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评论

  • V
    VictorXue在 2016/03/03 09:57回复

    P2P保险 新模式新玩法啊

  • a
    alex在 2016/03/02 11:02回复

    但就企业规模和成熟度来说,这些P2P保险公司还远不及P2P信贷公司如LendingClub或者On Deck Capital,目前这两家公司已经完成上市。

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