2024年科技趋势雷达

The Tech Trend Radar 2024 providesinformation about technology-driventrends that are relevant to insurancecompanies in the global insurancesector. Made by insurers for insurers, theradar aims to sharpen awareness,provoke discussion and initiate newbusiness opportunities that appeal toall insurance clients.It is a collaborative initiative by MunichRe Business Technology and ERGO ITStrategy. Together with Business Unitsand Strategic Units within Munich ReGroup and external experts such asInstitute of Electronic Business e. V.,Forrester and Gartner, future trendshave been gathered, aggregated andrated in order to provide acomprehensive view of technologytrends, their maturity and relevance forMunich Re Group and theinsurance industry.The Tech Trend Radar 2024 providesan overview of innovative trends andsolutions in the global insurancemarket.Tech Trend Radar 2024Introduction Healthy HumanAdoptBehavioural AnalyticsDigital HealthcareTrialAI MedicineBiomanufacturingPersonalised MedicinePopulation HealthRobotic HealthAssessHuman EnhancementHoldOur SolutionsOur approachContributionImprint7183185ForewordHow to read this reportTech Trend Radar 2024Highlight IndiaHighlight China4810168173Tech Trend Radar 2024Contents Tech Trend Radar 2024ForewordMessage from the CEO2023 was the year in which generative artificial intelligence (GenAI)made a breakthrough and became an integral part of many people’sprivate and professional lives.It’s not presumptuous to say that AI will soon be as ubiquitous as theinternet: education, medical research, healthcare, pharma, office work,software development, cyber protection and many other areas willcontinue to be enhanced by, and dependent on, artificial intelligence.AI is here to stay.The insurance industry needs to accept and embrace this reality. And itis doing so: AI already helps us to better assess risk, improve efficiency,retain existing business, and generate new business. At Munich Re, wehave been actively using what we call traditional AI for more than tenyears now.Many insurers have started exploring and implementing new solutionsaugmented by generative AI. The progress of GenAI is largelyattributable to the way users can leverage data. While traditional AI hastypically focused on internal and structured data, the quantum leap withGenAI is that vast amounts of external data open up new opportunitiesin the automation of complex processes that traditional AI simply cannotdeal with.While this offers great potential for insurers, there are a few things toconsider carefully when implementing AI solutions. Joachim WenningChair of the Board of ManagementMunich ReAI governance, cyber protection and economic efficiency areof paramount importance in this context. AI use cases mustcomply with regulations and laws, such as the EU AI Act, andmust be protected against cyber attacks, e.g., data poisoning.In addition, business cases must take into account the cost ofintegration into the overall IT landscape.GenAI continues to attract huge global attention. Our MunichRe Tech Trend Radar, now in its 11th year, is designed to helpyou keep track of the latest developments. And there is more toexplore in the world of technology: our experts have assessedthe most important future trends that will influence our industry:“Healthy Human”, “Connected Experience”, “Data and AI”,“Cyber and Crypto”, and “Redefining Industries”.I invite you to join us for a deep dive into these topics.Sincerely yours, As futurists, trend researchers and technologists,we insurers need to strike a careful balance betweenpassionate enthusiasm and first-principle thinking.Together, we have to understand the fundamental principlesof insurance and must use this ability to rethink innovationsfrom scratch. Our new edition of Munich Re’s Tech TrendRadar is designed to guide you through this journey.Passionate enthusiasm is vital in order to recognise newopportunities and consciously create sufficient awarenessand leeway for their development. Thinking according to thefirst principle on the other hand helps us to check whetherour underlying assumptions are truly valid – this can openone up to new dimensions and exponential improvements.This also allows for pragmatic approaches, as a new trendin this year’s Tech Trend Radar shows: Insurance APIStandardisation avoids costs, unlike AI-based data extractionfrom files, increases accuracy and speed for the customerwith less friction. In short, you are probably backing thewrong technological horse with generative AI if you merelywant to exchange data with your business partner.Tech Trend Radar 2024ForewordApply first principle thinking and build our core competences Daniel GrothuesChief Technology OfficerERGO Technology &Service ManagementMartin ThormählenChief Technology OfficerBusiness Technologymthormaehlen@munichre.comdaniel.grothues@itergo.com AI transformation opportunities – Stop tinkering with AI(continued)AI is a mighty tool. It is able to bend the innovation curveacross indus