安永-区块链技术作为数字化平台在保险业的应用.pdf

Blockchain technology as a platform for digitization Implications for the insurance industry Contents Foreword 1 Executive summary 2 What blockchain technology means for insurers 3 Introducing the blockchain 4 Evolution in the blockchain — new dynamics 6 Opportunity for insurers 8 Examining other issues 12 Conclusion 13 Foreword Digitization has moved far beyond machine-to-machine (M2M) process automation. We are witnessing a gradual convergence of technologies, processes, data, assets and people across an integrated ecosystem. Smart life, mobility, agriculture, manufacturing and financial services are all underpinned by sophisticated web interplay between data and capital. As the digital trend continues, business models are forced to evolve or to disrupt in order to survive. Insurance is experiencing an evolution in products, services and infrastructure in response to the connected world. Progress in the insurance digital space will be driven by successful innovation, including the adoption of disruptive technologies such as mobile, analytics, big data and payment platforms. The initial drivers for insurance innovation were related to cost reduction and process efficiencies. These now have been superseded by coveted client-centric principles including customer experience and service quality, particularly in claims. As digitization continues its pervasive path, the need for customer intimacy, transparency and security (of personal data) are becoming essential to an insurer’s infrastructure. Without these corner