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Technology Driven Change and Next Generation Insurance Value Chains (TECHNGI)

技术驱动变革和下一代保险价值链 (TECHNGI)

基本信息

批准号：
ES/S010416/1
负责人：
Alistair Milne
金额：
$ 166.22万
依托单位：
Loughborough University
依托单位国家：
英国
项目类别：
Research Grant
财政年份：
2018
资助国家：
英国
起止时间：
2018 至无数据
项目状态：
已结题

来源：
https://gtr.ukri.org/projects?ref=ES%2FS010416%2F1
关键词：
Technology Driven Change Next Generation

项目摘要

Financial and insurance services contribute more than 7% of UK national income and over one million jobs, with around one third of this employment in insurance. London is the leading global centre for specialist commercial (re)insurance broking and underwriting, with a wide range of specialised skills that supported the writing of £60 billion of gross written premium in 2013. Exports of insurance and pension services were £17.6bn in 2016, some 7% of total services exports.Our project investigates the opportunities and challenges for the UK insurance industry arising from the application of the new Ai technologies, including machine learning, distributed ledger, automated processing and the explosion of available data for business analytics and modelling including from social media and the connections emerging to the 'internet of things'.We will explore the implications for the insurance industry of this wave of new digital technologies, with the support of many of the UK's leading insurance companies. We will identify and map the range of opportunities for AI based innovation in business processes and business models, across underwriting and risk analytics, claims processing and customer engagement. We will examine, through engagement with industry on business opportunities and challenges and through a range of case studies, the barriers to adoption and the enablers of change. We will examine these barriers and enablers both from organisational and industry wide perspectives. At the organisational level we will examine the requirements for successful innovation ("critical success factors") and develop organisation wide assessments of their readiness for adoption. At the industry level we will examine new emerging ways of providing insurance services, including the possibilities for transformative change in insurance value chains, for example with separation of risk and underwriting from customer engagement, and the potential for sharing of services and data. Finally from these organisational and industry investigations we will develop strategic and policy analysis and recommendations, identifying the steps required from firms and from policy makers to support the adoption of AI technologies and ensure that these support automation and efficiency gains in UK insurance industry and benefit insurance customers. A distinctive feature of our project is our deep industry engagement, offering us the opportunity to engage with practitioners across the full range of business functions: in strategic roles; in specific business areas across product lines and operational processes; in risk analytics; and in technology. These contacts will support a range of case studies of the deployment of AI in insurance and also interview, survey and forum style empirical investigations to achieve the full understanding from both these organisational and industry perspectives.

金融和保险服务贡献了英国国民收入的7%以上，提供了100多万个就业机会，其中约三分之一的就业机会来自保险业。伦敦是全球领先的专业商业（再）保险经纪和承保中心，拥有广泛的专业技能，支持2013年600亿英镑的总承保保费。2016年，保险和养老金服务出口额为176亿英镑，约占服务出口总额的7%。我们的项目调查了英国保险业在新人工智能技术应用中所面临的机遇和挑战，包括机器学习，分布式账本，自动化处理和用于业务分析和建模的可用数据的爆炸，包括来自社交媒体和新兴连接的数据我们将在英国众多领先保险公司的支持下，探讨这一波新数字技术对保险业的影响。我们将识别和绘制业务流程和业务模式中基于人工智能的创新机会范围，涵盖承保和风险分析，索赔处理和客户参与。我们将通过与业界就商业机遇和挑战进行接触，并通过一系列案例研究，研究采用的障碍和变革的推动因素。我们将从组织和行业的角度来研究这些障碍和推动因素。在组织层面，我们将研究成功创新的要求（“关键成功因素”），并制定组织范围内的评估，以评估它们是否准备好采用。在行业层面，我们将研究提供保险服务的新兴方式，包括保险价值链变革的可能性，例如将风险和承保与客户参与分离，以及共享服务和数据的潜力。最后，通过这些组织和行业调查，我们将制定战略和政策分析与建议，确定公司和政策制定者支持采用人工智能技术所需的步骤，并确保这些支持英国保险业的自动化和效率提高，并使保险客户受益。我们的项目的一个显著特点是我们深入的行业参与，为我们提供了与全方位业务职能的从业者互动的机会：战略角色;跨产品线和运营流程的特定业务领域;风险分析;以及技术。这些联系将支持一系列关于人工智能在保险中部署的案例研究，以及访谈、调查和论坛式的实证调查，以从这些组织和行业角度实现全面理解。