元宇宙和保险-像素完美？

January 2022 The Metaverse & InsurancePixel Perfect? January 2022 Authors Professor Michael MainelliExecutive Chairman, Z/Yen Group Simon MillsSenior Associate, Z/Yen Group Foreword The genesis of this paper is the need we have felt at our TECHNGI project1,toaddress a big question: is the Metaverse the next frontier for the Insuranceindustry? We have conducted extensive work on established technologyinnovations and insurance, with a focus on Artificial Intelligence. It would beremiss not to look a little further into the future. There are widely diverging views on the Metaverse.On 28 October 2021, MarkZuckerberg, Founder of Facebook, announced that the new holding company forFacebook would be called “Meta”, stating: “We are at the beginning of the nextchapter for the internet, and it’s the next chapter for our company too. The nextplatform will be even more immersive—an embodied internet where you’re inthe experience, not just looking at it. We call this the Metaverse, and it will touchevery product we build.”2 William Sherden assessed prognosticators in his book “The Fortune Sellers.”Technological predictions got a poor rating, yet numerous pundits would haveus believe that ‘the Metaverse is upon us’. Technology hype statements areubiquitous, so much so that Gartner promotes its ‘hype cycle’ as a way ofassessing the state of a technology.People exhibit ‘fear of missing out’ so muchthat use of the acronym FOMO has risen sharply since it emerged around 2009. Such a mixture of excitement and skepticism is very familiar to us from our workat TECHNGI.This report was commissionedby uson 13 October 2021, so weclearly weren’tjustjumping on a Zuckerberg bandwagon. In fact this report isn’tencouraging anyone to jump on any Metaverse bandwagon that might collapse.What we asked for wasa balanced set of thoughts on what the Metaverse mightmean for insurance,that can alsohelp readers arrive at a Goldilocks point, nottoo much, and not too little, hype; but just right. Professor Alistair Milne MA (Cambridge) MSc (LSE) PhD (LSE)TECHNGI, Principal InvestigatorUniversity of Loughborough Contents Foreword.....................................................................................................2Preface........................................................................................................4Executive Summary......................................................................................51.What is the Metaverse?.........................................................................8Introduction....................................................................................................8Origins............................................................................................................9Growth.........................................................................................................102.How Big And Pervasive Might The Metaverse Become?........................14Parallels........................................................................................................14Issues For Discussion....................................................................................17Use Cases......................................................................................................21Impact...........................................................................................................223.Metaversal Studios–The Leading Players.............................................244.Implications For The Insurance Sector..................................................37Competitive Rivalry.......................................................................................38Buyer Power.................................................................................................39Supplier Power.............................................................................................40Substitution..................................................................................................41Threat of New Entry......................................................................................425.Meta Issues & The Metaverse..............................................................43Social Impacts...............................................................................................446.Reality Versus Talk...............................................................................497.Recommendations & Conclusion..........................................................51Sources......................................................................................................56 Preface Just a few years after ‘metaverse’ was coined in 1992, the Financial £aboratoryClub(F£C)wasformed.3The F£C wasa £1.9 million limited liability partnershipconducting research into financial risk management over 1997 and 1998. Theobjective was to visualise the abstract risks of finance, and some progress wasmade.F£Cmembers were The Londo