德勤-发挥区块链技术对于保险公司之潜在力量（英文）

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1、InsightsDecember2017Collaborationvs.competitionUnlockingthepowerofblockchainininsuranceTheglobalrisingtrendofdigitalizationandthesharingeconomyhaveprogressivelyputtheheatoninsurerstorethinktheirbusinessstrategybyleveragingmoredisruptivetechnologies,collaborationsacrosstheeco-syste

2、mandmoreinnovativepartnershipmodels.AcrossAsia,andparticularlyinChinaandHongKong,theinsuranceindustryisexperiencinganunprecedenteddegreeofchange.Insurerswhocanembraceemergingtechnology,suchasblockchain,toenhancetheircompanyefficiencyanddevelopnewwaysofdoingbusinessforbettersynergy

3、andvaluemaximization-whilestayingontopofallthecompliancerequirements-couldbethefuturewinners.Collaborationvs.competitionUnlockingthepowerofblockchainininsuranceFigure1:WhatisBlockchain?Source:DeloitteChinaGlobalmarketexperience"WiththenewemergingDeloitte'sCenterforHealthSolutionsa

4、ndCenterforFinancialServicestechnologies,financialrecentlypartneredonaresearchprojecttolookintohowhealthandlifeinstitutionsingeneralinsurersmightleverageblockchainandrelatedtechnologiestostrengthenkeyelementsofaninsurer'svaluepropositioninthenextfiveto10yearswillhavelotsofnewtoimp

5、rovecurrentoperatingprocessesandsystemswhileenhancingtheopportunitiesthroughcustomerexperienceandreducingcosts.Thiscoversawidespectrumofindustrialcollaborations.theinsurancevaluechain:Withintheindustry,·frompolicyapplicationstopolicyservicingandadministration;technologiesallow·fro

6、munderwritingtoalternativepaymentsmodels;insurerstocollaborate·fromclaimsmanagementtofraudmitigation;and·fromcybersecuritytodataprivacy.anddetectduplicatedandfraudulentclaimsWithinthestudy,Deloitteproposesoperationalandconsumerusecasestotogether.Acrossexaminehowblockchaincoulddire

7、ctlyandindirectlyimproveaninsurer'sbasicprocessesandbusinessmodels.industry,technologiesallowinsurancecompanyWiththemutualconcernofboththehealthandlifeinsuranceindustriestocollaboratewithhealtharoundsharingsensitivemedicalinformationandmedicalhistory,personalcharacteristics,andong

8、oingwellnessofpolicyholders,thead