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2018:保险科技行业将从变革走向合作

传统金融的互联网化国际资讯

2018:保险科技行业将从变革走向合作

过去我们一直在说,金融服务的格局正逐渐由变革转为合作,业内现有企业进行战略投资与并购行为不断增多,保险科技业就是其中之一。过去几年,保险科技融资交易中,75%以上都是由传统保险企业领投的。

保险科技创企具备提升传统保险企业科技科技基础设施的潜力,也可在升级用户体验、数字驱动辅助决策、消费者反映型产品研发等方面发挥作用。面对保险价值链与商业险各环节不断涌现金融科技创企,传统企业与投资者正伺机而动,准备将保险科技应用运用于当今乃至未来的保险行业中。

另一方面,金融科技创企也意识到,提升规模的最佳途径在于同传统保险企业合作,并通过其卓越的技术能力解决保险产业链中的痛点。大多数金融科技创企都将自身定义为赋能者而非颠覆者。麦肯锡调查显示,61%保险科技创企的目标在于赋能价值链,30%的企业试图利用客户处得利投资传统企业,而只有9%的企业旨在颠覆整个价值链。

传统保险企业意识到了此机遇蕴藏的潜力,也正逐渐与新兴保险科技创企达成合作。过去几年,传统企业通过加速器与创新项目一直与保险科技创企有所接触。然而,如今其又更进一步,积极地投资前景光明的创企。

2013-2017年,传统保险企业对保险科技创企投资数量年均复合增长率为150%。作为投资保险科技创企的传统保险企业一员,Allianz近期将其一间创新实验室(Allianz X)转为支持数字与核心技术的风投机构。这样的例子还有很多,许多传统企业都设立的风投机构,如Ping An Ventures、AXA Strategic Ventures、MassMutual Ventures、QBE Ventures等。传统企业利用旗下投资机构为保险科技创企搭建重要组合。

同样,传统企业对保险科技创企的战略投资中,65%均集中于赋能产业链的企业,只有35%的投资流入采取较为颠覆性运营模式的企业,这也就映证了要合作非颠覆的大趋势。

展望未来,我们期待投资与战略合作的负荷模式称为保险业的驱动力。同样,传统企业也可能收购保险科技创企,以挖掘人才、快速推出新品。

就此趋势与发展的成型模式来看,2018年保险科技业或将迎来大发展。

At MEDICI, we have been speaking about how the general trend in the evolving financial services landscape is shifting from disruption to collaboration. Strategic investments and acquisitions by incumbents have been on the rise. InsurTech is one such segment which leads this shift in approach. In the past few years, more than 75% of funding deals in InsurTech has been led by traditional insurance incumbents.

InsurTech startups have the potential to strengthen the tech infrastructure of incumbents and deliver value in terms of enhanced UX, data-driven decision-making, consumer-responsive product development, etc. As InsurTech startups continue to emerge across various components of the insurance value chain and business lines, incumbents and investors are evaluating opportunities to deploy these applications in the insurance industry today and in the future.

On the other hand, InsurTech startups understand that their best bet for achieving scale is to work with incumbents and solve the existing pain points in the insurance value chain by means of their superior technological capabilities. Most of these players are positioning themselves as an enabler instead of as a disruptor. According to McKinsey’s research, 61% of InsurTech companies aim to enable the value chain, while 30% are attempting to disintermediate incumbents from customers and just 9% are targeting full-scale value chain disruption.

Incumbents understand the potential of this opportunity and are increasingly looking to partner with upcoming InsurTech startups. For the past couple of years, they have been engaging with these startups through accelerators and innovation programs. However, taking a step ahead, they are now aggressively looking to invest in promising startups.

The number of InsurTech funding deals by incumbents grew at a CAGR of 150% in the period of 2013-2017. One of the incumbent in this space, Allianz recently converted one of its innovation labs (Allianz X) into a venture capital investment arm intended to bolster digital and core technology. There are other such examples as well, with many incumbents launching their VC arms – Ping An Ventures, AXA Strategic Ventures, MassMutual Ventures, QBE Ventures, etc. Through these investment arms, incumbents are looking to build a significant portfolio of InsurTech startups.

Also, 65% of strategic investments by incumbents in InsurTech have been concentrated in companies enabling the value chain, with only 35% of incumbent investments going to startups with more disruptive business models, thus reaffirming the general trend of collaboration as against disruption.

Going forward, we anticipate a mix of investment and a strategic partnership to be the driving force in this space. Also, incumbents might be looking to acquire InsurTech startups for talents scouting and for quick product launches.

The way these trends and developments are shaping up, 2018 looks to be exciting for the InsurTech space.


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