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2019年保险科技行业需要关注的5个问题

专栏国际资讯

2019年保险科技行业需要关注的5个问题

如今,投资市场波动再次袭来。而2019年,寿险和年金保险公司最想要的可能还是从信息科技中获得稳定。

在今天这篇文章中,我们就为您列举5个我们认为保险科技未来一年需要注意的问题。

1、 什么系统能够帮助寿险和年金保险公司准确了解其财务状况?

对寿险公司来说,动荡的时期第一要务突然就是有尽可能完善的会计系统。

2、 保险系统如何处理国际业务?

大型跨国保险公司可能要进行系统调整,以应对英国脱欧前后各国各地区不同地区的监管和市场环境。

3、保险机构是否有必要关注移动端网页内容?

过去,重新设计网页对于首先和年金保险公司来说可能只是个可有可无的事情。

但是从2019年开始,网页重新设计可能就是生存的关键,因为中介机构和小型寿险公司很大比例业务来自网站。

互联网营销服务公司Smart Harbor在其2019年保险中介趋势预测报告中提到,谷歌已经从2018年3月开始实施"移动设备优先"网站排名策略。

4、保险机构的客户沟通方式是否需要作出改变?

许多消费中用手机浏览网页并发信息,而不是打电话。这对于保险行业就带来了微妙但重要的影响。

Safe Harbor说:"千禧一代重要的交流方式就是发信息。" Safe Harbor预测发信息"将是下一代保险客户偏爱的交流方式。"

5、如何看待数据安全?

德勤分析师在2019年展望报告中指出,如今网络安全问题愈发严重,阻碍了保险公司将业务移到"云端"的进程。

分析报告中说:"网络安全似乎是许多人对于云端平台的一大主要担心点,因为核心系统和关键数据基本上都被转移至了第三方。保险公司应该牢记,虽然云端服务商应该对云端硬件和软件产品负责,但保证云上业务的安全责任最终还是要落到保险公司自己身上。"

The return of investment market volatility could make 2019 a year when what life and annuity issuers really want out of information technology is stability.

When the environment is calm, insurers may dream of fancy tech worlds of tomorrow.

When the ground is rolling like waves on the ocean, insurers may cling to any tech systems that can help them stay upright as banks, securities brokers, asset managers, and poorly anchored insurers blow past.

Here are five questions that could hang over our insurtech coverage in the coming year.

1. What kinds of systems can help a life and annuity issuer do a better job of keeping tabs on exactly what its financial position is right this second?

For a life insurer operating in volatile times, the very top priority may suddenly be having the best possible accounting systems.

2. How well does that system handle international businesses, and how well can it handle the uncertainty about whether the United Kingdom will end up leaving the European Union this spring?

Big, multinational life insurers will also need systems that accommodate the possibility that the fate of Scotland and the fate of Ireland could be different from the fate of England.

3. What does that organization’s website look like on a mobile device?

In the past, life and annuity website redesigns often seemed like optional activities.

This year, website redesign projects could be key to survival for agencies, and smaller life insurers, that get a significant percentage of their business through their websites.

Smart Harbor, an Internet marketing service in Columbus, Ohio, has pointed out in its 2019 insurance agency trends forecast that Google adopted a “mobile-first” website indexing strategy in March 2018,

That means that, when the Google system decides which sites to show where, and when, the system will focus mainly on the mobile version of the content.

“Although desktops historically led the way for consumers to research and find products and services that met their needs, it is more critical than ever that agents have mobile responsive sites, in order to not only grow but also maintain the highly coveted search engine real estate that they have worked for years to establish,” Safe Harbor says.

4. Can that agency’s contact center text?

Many consumers use their mobile phones more to surf the web and text than to make traditional telephone calls. and that could also make a subtle, but important, change in how the world of insurance works.

“Texting is a critical line of communication with Millennials,” Safe Harbor says.

Texting “will be the preferred method of contact for the next generation of insurance customers,” Safe Harbor predicts.

5. How’s data security going?

Analysts at Deloitte note in their firm’s 2019 outlook that cybersecurity problems are getting serious enough to slow insurers’ efforts to move functions onto “the cloud.”

“Cybersecurity seems to be an area of concern for many with cloud, because core systems and critical data are essentially being moved off-site to a third party,” the analysts write. “Insurers should keep in mind that while it may be true that providers are accountable for the security of their cloud’s hardware and software, applying security policies to cloud functions ultimately remains an insurer’s responsibility.”

本文系未央网专栏作者MM发表,属作者个人观点,不代表网站观点,未经许可严禁转载,违者必究!

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