保险业的数字平台生态系统：以新的方式与客户联系

DIGITAL PLATFORMECOSYSTEMS IN INSURANCE:Connecting with customersin new waysRuo (Alex) JiaDirector Digital Technologies,The Geneva AssociationAssociate Professor of Insurance, Peking University The Geneva AssociationThe Geneva Association was created in 1973 and is the only global association of insurancecompanies; our members are insurance and reinsurance Chief Executive Officers (CEOs).Based on rigorous research conducted in collaboration with our members, academicinstitutions and multilateral organisations, our mission is to identify and investigate keytrends that are likely to shape or impact the insurance industry in the future, highlightingwhat is at stake for the industry; develop recommendations for the industry and forpolicymakers; provide a platform to our members and other stakeholders to discuss thesetrends and recommendations; and reach out to global opinion leaders and influentialorganisations to highlight the positive contributions of insurance to better understandingrisks and to building resilient and prosperous economies and societies, and thus a moresustainable world.Geneva Association publications:Pamela Corn, Director CommunicationsHannah Dean, Editor & Content ManagerJooin Shin, Digital Content & Design ManagerSuggested citation: The Geneva Association. 2024.Digital Platform Ecosystems in Insurance: Connecting with customers in new ways.Author: Ruo (Alex) Jia. September.© The Geneva Association, 2024 All rights reservedwww.genevaassociation.orgPhoto credits:Cover page – Getty Images on Unsplash 2 ForewordExecutive summary1.Introduction1.1Digital platform ecosystems1.2Insurance platform ecosystems2.Functions and impacts of insurance platform ecosystems2.1Functions2.2Impacts on the insurance value chain2.3Business model implications3.Insights from a survey of re/insurers3.1Business models3.2Motivations3.3Selecting collaborating partners3.4Challenges4.Business cases4.1Insurer as orchestrator4.2Insurer as co-developer4.3Insurer as partner4.4Summary5.Conclusions and recommendations5.1For all insurers involved with digital platform ecosystems5.2For insurers as orchestrators and co-developers5.3For insurers as partnersReferencesContents 5689911121314151718192021222325293334353637 ACKNOWLEDGEMENTSThis publication is a product of the Digital Technologies work stream of The Geneva Association,sponsored by Roy Gori, President & CEO, Manulife.We are grateful to the following experts and executives who made themselves available for interviews orprovided editorial contributions:•Armin Angermeyer, Public Affairs Manager, Allianz•Dan Bernstein, SVP & General Manager, Head of Strategic Partnerships Group for Global RetailMarkets, Liberty Mutual•Matteo Carbone, Founder and Director, IoT Insurance Observatory•Sue Coulter, Head of Group Digital and Analytics, AIA Group•Karyn Faggello, Vice President, Global Marketing and Communications, Chubb•Tomoko Hayakawa, Senior Industry Researcher, Meiji Yasuda Life•Noriyoshi Hosokawa, Line Manager, IT Digital Planning Unit, Dai-ichi Life•Iwan Juwono, Head of Insurance, Grab•Christoph Krieg, Chief Strategy Officer, ZA Tech•Alexander Lay, Head of Central Division, Data and Analytics, Munich Re•LEE Minwoo, Head of Group Enterprise Architecture and Governance, AIA Group•Darren L. Pain, Director Cyber, The Geneva Association•Bernhard Schneider, Partner Insurance Consulting, PwC Switzerland•Camila Serna, EVP, Global Head of Digital Acceleration, Chubb•SONG Bill, CEO, ZA Tech•SOONG Chuan Sheng, CEO, Klook Insurance•Simon Torrance, CEO, Embedded Finance & Insurance Strategies•Juliane Welz, Senior Manager, Insurance Transformation, PwC Switzerland•XIAO Jing, Group Chief Scientist, Ping An•ZHOU Xiang (Shawn), CEO, LeadInXWe also thank other members of the Digital Technologies working group, established in support of thework stream’s research activities: Arnoud Boere (Achmea); Raphael Copis, Frederic Crecco, Nida Gorkem(Ageas); Michael Drobac (AIG), Esra Öge (AKSigorta); Camille Nibéron (AXA); Raman Murali (Chubb);Jenny Williams (Convexin); Atsushi Izu, Jiro Kamiko, Shin Nakayama (Dai-ichi Life); Ryan Cole (EverestGroup); Hugo Santa Maria (Fidelidade); Colonnella Emanuele (Generali), Ross Reynolds (Hamilton Group);Chris Dolman (IAG); Chris Reid, Antoine Sasseville (Intact Financial Corporation); Andrés Hevia (MAPFRE);Toshifumi Takase (Nippon Life); Connar McBain (Phoenix Group); Blythe Walker (RenaissanceRe); LucaBaldassarre, Michael Foehner, Anna Mejlerö, Lutz Wilhelmy (Swiss Re); Jordi Vidal Araujo, Carla Marnet(VidaCaixa); and Adriano Chioetto (Vittoria Assicurazioni).We acknowledge the following member companies that provided valuable feedback via the surveyconducted for this report: Achmea, AIA Group, AXA, China Taiping, Chubb, Convex Insurance, Dai-ichiLife, Discovery, Generali, Global Atlantic, Liberty Mutual, MAPFRE, Munich Re, Grupo Sancor Seguros,Suramericana, Swiss Re, Tokio Marine, UnipolSai, VidaCaixa, Vittoria Assicurazioni and ZhongAn.Finally, we extend spec