最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯监管与政策

2018:保险科技时代即将来到香港

2018年可以称得上是香港保险市场开拓创新的一年。新成立的香港保险业监督管理局新推出了两项试点措施,旨在推动保险市场的新技术发展,引发了保险公司和再保险公司对保险科技的极大兴趣,这两项措施分别是--Fast TrackInsurtech Sandbox

这对保险公司来说是利好消息。因为Sandbox允许他们在受控的环境下测试新型的保险技术/产品。而Fast Track则加快了对纯数字化保险公司的授权流程,从而提高了新进入者仅通过在线渠道进行分销的速度。然而,机遇也伴随着威胁,可以预想到的是保险公司将需要加强应对潜在风险(如数据隐私泄露)的能力。

为了最大限度地利用监管机构的支持措施,我们预测保险公司将会把技术与产品相结合,从通过Chatbots分销微型保险产品过渡到使用物联网设备来收集客户数据,从而能够更加精确地监控风险,并为客户提供更优惠价格的产品。

Businesses will need to tackle new risks as well as opportunities

2018 is likely to be the year of innovation for the insurance market in Hong Kong. Re/insurers’ interest in Insurtech will ramp up on the back of two recently launched pilot initiatives by the newly established Hong Kong Insurance Authority to promote new technologies in the insurance market – Fast Track and Insurtech Sandbox.

This is great news for insurers as the Sandbox allows them to test their unprecedented insurance technology/products under a controlled environment. Fast Track accelerates the authorisation process for purely digital insurers, so that the speed-to-market for new entrants to distribute solely via online channels is improved. However, opportunity also comes with threats and we foresee that insurers will need to reinforce their ability to handle potential risks, such as data privacy.

To maximise the benefits of the regulator's supportive stance, we predict that insurers will blend technology with insurance products, from distributing microinsurance products via Chatbots to using Internet of Things devices to collect customer data, thereby monitoring risks more accurately and offering more competitive prices to customers.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

朱孔达 | 未央团队未央编辑团队

99
总文章数

TA还没写个人介绍。。。

“黑科技”改变保险的路线图

魏骄华 | 中国保险报 02-20

保险科技监管:支持创新与防范风险之间的平衡术

清华金融评论 01-21

立陶宛央行推出区块链初创企业监管沙盒

Stan Higgi... | 区块链铅笔... 01-17

Clover Health:技术重塑健康险行业

道口保险观察 01-17

2018年全球保险科技10大趋势

互联网保观 01-10

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1