资源描述：
《德勤区块链技术研究报告正文版.pdf》由会员上传分享，免费在线阅读，更多相关内容在行业资料-天天文库。
1、Blockchainapplicationsininsurance“WhenIsawwhatthefundamentalprinciplesoftheblockchainprovided,itwasjustpatentlyobvioustomethatitwouldmakesensearoundreducingfraudrelatedinstancesofvaluables.”1LeanneKemp,ChiefExecutiveOfficer,EverledgerInsurers,likebanks,areintermediariesand,atfirstglance,Example:Cla
2、imshandlingthereisgreatpotentialforinsurerstouseblockchaintechnologytostreamlinepaymentsofpremiumsandWhatarethecurrentbottlenecksorissues?claims.Forcustomers,insurancecontractsaretypicallycomplexanddifficulttounderstandbecauseofthelegallanguageInaddition,blockchaintechnologiescouldsupporttheused.In
3、addition,whenaccidentsorcrimeshappen,significantdigitaltransformationunderwayintheindustrycustomerscanoftenbefacedwithacomplexanddrawn-becausemuchofthistransformationreliesondata.Foroutclaimsprocess.example,actuariesandunderwritersareusingtheever-expandinguniverseofdatatobuildmodelsthatmoreFromthei
4、nsurer’sperspective,theindustryisfacingaccuratelyestimateriskandpriceitaccordingly.Arguablyever-tighterregulationandagrowingthreatfromfraudthemostexcitingexampleofthistrendisintelematics:–whetherfromsmall-claimsfraudbyindividualsormoreinsurersareusingdatafromsensorstopricemotorriskseriousandorganis
5、edfraudspanningmultipleinsurersinmoreaccurately,reducingthepremiumsofyoungsafetheindustry.TheInsuranceFraudBureau(IFB)isanot-for-drivers,andthistechnologyisspreadingtoothertypesofprofitbodysetuptotackleorganisedcrimeaffectingthecover,suchashomeinsurance.UKgeneralinsuranceindustry.Inatypicalmotorins
6、urancescam,forexample,driversdeliberatelystageorcauseanHowever,unlikeinbanking,thegeneralviewamongaccidentorevenpretendtohavehadanaccident,andtheindustryisoneof‘waitandsee’.“Insurersdonotclaimsarethenmadebythevariouscriminalsinvolved.necessarilyneedacurrentBitcoinstrategytoremainTheseso-called‘cras
7、hforcash’scamscosttheindustrycompetitive,”saysoneobserver,“butshouldnonethelessaround£400millionayear.4Whereclaimsaremadecontinuetomonitorthespaceandconsideritasanareaagainstmultiplepoliciesheldbydifferenti
