Fintech浪潮下保險業因應之道

How Insurance Companies withstand the Tide of Fintech

保險業的大數據第一波是在談如何處理大量的數據，現在的大數據則是與人工智 慧結合，試圖以模型分析過去大量累積的經驗，發展出高智慧判斷的自動化規則，因 此與數位化服務的未來緊密結合。許多業者都積極發展大數據分析技術，希望能獲得 更佳的競爭優勢。大數據在保險業的整體運作，係利用數位行銷找到合適的客群開發 創新的商品，並找到有興趣的客群與合適的業務員進行行銷，在風險管理面，則是找 到低風險的客群自動核保，並加強理賠風險管理。

The first step of approaching big data in insurance industry is to process amount of data, but now the trend is to combines with artificial intelligence and analyzes amount of past information to develop automation model. Accordingly, integrated with digital service in nearly future, many franchises are ambitiously developing data analytics, anticipating to earn a competitive advantage in this fierce jungle. To implement big data concept, the companies harness digital marketing skills to target their market fit, innovate from them, and assign appropriate agents to solicit. On the other hand, the companies might use auto underwriting to further pursue low-risk customers and strengthen risk management of reimbursement.