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年轻消费者愿意与平台共享部分私人数据,如果保费打折的话

传统金融的互联网化国际资讯

年轻消费者愿意与平台共享部分私人数据,如果保费打折的话

近日,Salesforce针对全球8000多名消费者进行了调查。调查显示,有62%的受访人乐意让保险公司使用Facebook、健身应用和智能家居设备等第三方数据,当然前提是最好保费能打个折。

如今,消费者在线分享越来越多的个人数据。此前保护的英国剑桥分析公司收购Facebook账户信息时间爆发后,各国政府都加强了对在线收集和使用用户信息的方式加强了审查。而欧盟更是出台了严格的《通用数据保护规则》(GDPR),该文件于5月25日正式生效。

值得注意的是,上文所述的这个群体主要集中在18到34岁之间。而如果把老年受访者数据也涵盖在内的话,拥有数据分享意愿的人群比例就开始不断下降。

其中,35到54岁的人中有45%乐意让保险公司广泛使用他们的数字身份,而55岁以上的人中只有27%会这样做。

随着金融科技初创公司竞争日趋激烈,保险公司开始大手笔投资科研,希望不断改善他们的数字产品。

不过这肯定会是个逐渐演变、甚至有些缓慢的过程。其中,58%的受访者表示系统无法为他们提供无缝服务,比如很多人在网上填写产品购买/索赔表单时都遇到了不少麻烦。而有 56%的受访人表示,如果数字服务质量差,他们会换掉保险公司。

 

The majority of people between 18 and 34 would be willing to let insurance companies dig through their digital data from social media to health devices if it meant lowering their premiums, a survey shows.

In the younger group, 62 percent said they'd be happy for insurers to use third-party data from the likes of Facebook, fitness apps and smart-home devices to lower prices, according to a survey of more than 8,000 consumers globally by Salesforce.com Inc.'s MuleSoft Inc. That drops to 44 percent when the older generations are included.

As consumers share more of their personal data online, governments increased their scrutiny of how it's collected and used following the harvest of 61 millions Facebook users' accounts by U.K. firm Cambridge Analytica. The European Union's new privacy law, known as the General Data Protection Rules, took effect on May 25.

Of the older generations, 45 percent of 35- to 54-year-olds are happy to allow insurers broad access to their digital identity, while 27 percent of those 55 and older would do so.

Insurers are investing millions improving their digital offerings amid growing competition from fintech startups. But that's a work in progress: 58 percent of the survey's respondents said that systems don't work seamlessly for them, with many citing difficulty filling out a form online. And 56 percent said they would switch their insurance provider if digital service is poor.

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