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“No creo que las insurtech sean una amenaza”

La digitalización no acabará con los mediadores de seguros ni las insurtech suponen una amenaza clara para las aseguradoras. Así lo considera Santiago Villa, consejero delegado de GENERALI ESPAÑA, en una entrevista que hoy publica Cinco Días.

Respecto a si el cambio digital supondrá el fin del negocio de los mediadores, el directivo tilda de “agoreros” a quienes afirmaban que así sucedería. “Nosotros hemos demostrado que dotándonos de unas herramientas digitales adecuadas, podemos hacer que el mediador gane en posición y en valor aportado al cliente. Su tarea de asesoramiento es fundamental”, afirma al diario económico.

De igual forma, cree que las insurtech no van a ser una amenaza para las aseguradoras. “Tal vez acaben entrando en algunas partes de la cadena de valor del seguro, pero no veo a una nueva compañía capaz de quedarse con una cuota importante del mercado. La regulación es una barrera de entrada muy importante. Tal vez afecte más al ramo de mediadores”, argumenta. Esa barrera regulatoria también será clave para la entrada de los gigantes de Internet.

Si cambiará el papel de los fabricantes de automóviles por la gran cantidad de datos que recaban sobre el propio vehículo y la forma de conducir del usuario. “Por eso, creo que ganarán protagonismo y acabarán entrando de alguna forma en la cadena de valor del sector asegurador. Puede que incluso tengan un papel disruptivo. Más que el de las insurtech, desde luego”, concluye.

En la entrevista, Villa también repasa otros aspectos, como el gran papel para el Seguro español delConsorcio de Compensación de Seguros TIREA (“el mercado español se caracteriza por combinar muy bien una feroz competencia, con una colaboración para asuntos estratégicos”); el impacto del baremo de autos (cercano al 9%) y la buena evolución de su alianza con Cajamar (“estamos creciendo por encima de la media del mercado”).

https://www.inese.es/noticias/no-creo-que-las-insurtech-sean-una-amenaza#.WVP4FIg1-M9

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Los aseguradores adoptan el papel de CDO para la transformación

More than a third of insurance companies have an executive in the chief digital officer role, more than any other industry, according to a survey of the world’s 2,500 largest public companies by PwC.

PwC defines the chief digital officer as an executive responsible for the digital agenda at an organization. That means thinking more about the business case first than technology implementations, says Mathias Herzog, principal for PwC and co-author of the study.

“As organizations mature in their focus on digital, we see the fragmentation for executing those initiatives going away,” Herzog explains. A single leader unifies and focuses digital transformation efforts at a company, rather than individual business heads going in different directions, he adds.

The next-most likely industry to have a CDO was banking, at 28%. Financial services has had a “significant increase” in CDO hires over the past couple years, says Herzog. However, not all CDOs have digital as their only responsibility.

“We interviewed some execs where you have the CDO also functioning as the chief strategy officer and the head of tech operations,” Herzog says. But for insurers, 89% of the companies that had someone in the CDO role called that person the chief digital officer and had that as their only duty, compared to 67% of industries at large.

There is a case that digital is a technology subset, and therefore a CIO should be easily transitioned into a CDO role. However, only 5% of CIOs in the insurance industry perform the roles of the CDO, and the most common CDO background in insurance is marketing, not tech. Overall, more than half of insurance CDOs are internal hires.

However, Herzog says that doesn’t mean that CIOs are losing ground. “We haven’t seen the CIO report into the CDO,” he explains. “You have more of a co-existence – with a healthy tension in some instances – until those execs have figured out their working relationship.”

https://www.dig-in.com/news/insurers-embrace-cdo-role-for-transformation?brief=00000159-faf0-d111-af7d-fbfd9f0a0000

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Covered Insurance obtiene 700,000 dólares de financiación

Covered Insurance,

Los partidarios incluyen a Black Hills Regional Angel Fund y Ozmen Ventures.

La compañía pretende usar los fondos para acelerar su expansión a otros mercado de todo Estados Unidos.

Dirigida por Ross Diedrich, cofundador y CEO, Covered es una agencia de seguros dirigida por tecnología que permite a los consumidores comparar rápidamente múltiples precios de distintos operadores y recibir asistencia inmediata de agentes de seguros entrenados y prestamistas hipotecarios para obtener precios a los prestatarios.

Covered actualmente se encuentra asociada con las siguientes aseguradoras: Travelers, Encompass, Dairyland, Safeco, Stillwater, Progressive, Hanover y otras más.

https://www.itscovered.com/

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Futuro Insurtech: Uso de tecnología por consumidores crece en los seguros

EY says that the future use of FinTech in insurance is projected to rise to 55%.

A report into the adoption of FinTech by customers from consultancy EY has found that 24% of insurance consumers are now using FinTech solutions (otherwise known as InsurTech) to transact or communicate with their provider.

The report noted: “According to the study, this has largely been due to the expansion into technologies such as telematics and wearables (helping companies to better predict claim probability) and in particular the inclusion and growth of premium comparison sites.”

EY published the FinTech Adoption Index 2017 and found that adoption among consumers had surged globally over the past 18 months and is poised to be embraced by the mainstream industries.

The study, based on 22,000 online interviews with digitally active consumers across 20 markets worldwide, highlighted that an average of 33% digitally active consumers now use FinTech.

The UK has also shown significant growth, with adoption rates now standing at 43%.

Expanded
EY added that the future use of FinTech in insurance is projected to rise to 55%.

Imran Gulamhuseinwala, EY global FinTech leader, said: “FinTechs, particularly in the payments and insurance space, have been very successful in building on what they do best – using technology in novel ways and having a laser-like focus on the customer.

“It really is now a critical time for traditional financial services companies. If they haven’t already, they need to urgently reassess their business models to ensure they are able to meet their customers’ rapidly changing needs. Disruption is no longer just a risk – it is an undisputable reality.”

http://www.insuranceage.co.uk/insurer/3083726/insurance-is-driving-fintech-adoption

Insurtech: 6 nuevos participantes

Startup technology companies continue to upend the insurance industry. Following are eight more insurtechs shaking up traditional business models with telematics, AI and the Internet-of-Things.

https://www.dig-in.com/slideshow/insurtech-check-in-6-new-entrants?feed=0000015a-13eb-d704-a37a-5bfb40c50000#slide-1