“4小时谬误”时代的核心系统构建与购买

Core SystemsBuild vs. Buy in the Table of Contents A Note for the CIO.......................................................................................................................................................3The Industry Moment for Scale Advantage, Fast-Mover Opportunity.........................................................4•Scale Advantage, Fast-Mover Opportunity......................................................................................................4•Why Established Insurers Win This Round......................................................................................................4The Architecture of the Modern Core....................................................................................................................5•What a Core System Actually Is..........................................................................................................................5•Choosing the Right AI Path...................................................................................................................................6 Six Reasons the Prototype Doesn’t Become Production..................................................................................8 A Note for the CIO Imagine this: somewhere in your organization, a teamis running an AI demo that looks like a core system. Itgenerates policies, claims, and it produces screens that look This paper is designed to help you ask the right questions and to give you the language to answerthem. AI will reshape P&C insurance, but it is a fallacy to think that a functional prototype And the cost of acting on that impulse is significant. Engineering talent gets pulled away. Scarcecapital gets redirected. Executive attention shifts toward rebuilding infrastructure that already The question is whether your organization will spend its innovation budget reinstalling coreplumbing or deploying AI where it creates genuine competitive differentiation through distribution, The Industry Moment for ScaleAdvantage, Fast-Mover Opportunity 90% of claim interactionsprojected to be AI-to-AI Scale Advantage,Fast-Mover Opportunity 3. Claims Management and OperatingEfficiency:Some projections suggest thatup to 90% of claim volume1will occur via 70% AI’s impact on P&C insurance will be steady,rewarding the insurers who move fast and scale.Established carriers with proven infrastructure of IT budgets consumedby maintenance, not Why Established InsurersWin This Round 1. Distribution:Consumer AI agents are erodingbrand loyalty and compressing switching costs.Insurers need to easily plug into new channels, These AI-driven efficiency gains will primarilyaccrue to the carriers who move fastest. Theestablished insurers, operating within provenproduct structures and with decades of data,are best positioned to do so. The winning move 2. Product Definition, Risk Selection andPricing:By leveraging their unique advantage inaccumulated data (claims history and actuarial The Architecture What a Core System Actually Is People who want to “build a core system with AI” often fail to understand what a core system actually is. It is not simplya user interface that sits on top of a database. It is a stack of deeply interdependent components, each carrying its own A modern insurance core systemsupports the daily businessoperation, storing key financialand personal information. It mustbe secure, reliable, auditable, and •Customization framework forbusiness rules, product definitions, •Cloud infrastructure, database, •Data platform and integration •Local and regional regulatory •API surface and workflow •Agentic middleware and MCPconstructs for developer-facing •Packaged rating, rules, productforms, and claims workflows by •User experience layer with Choosing the Right AI Path Insurance carriers choose different paths when theymove AI into the center of their operations, depending AI-Native from Scratch:A greenfield approach that treatsAI as the primary design constraint. Insurers start withno legacy constraints, but also no proven foundation. Bolt-On AI:A pragmatic approach that is oftenarchitecturally fragile. AI functionality is added throughorchestration layers or third-party platforms that sit next The modern core is the best choice for insurers becauseit pairs operational maturity with embedded intelligence.This approach differs greatly from building native AI AI Within Modern Core Systems:The combinationof proven insurance infrastructure and embeddedintelligence. Modern platforms provide the deep data and The Vibe Coding Illusion In early 2025, OpenAI founding member Andrej Karpathy coined the termvibe coding to describe a new way of building software. In this model, theuser relies on the general feel of the output and forgets that the underlying solutions and AI systems that people have Vibe coding works well for prototypes or low stakes tools. However, enterpriseleaders like the former head of AI engi