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

金融和保险服务业贡献了英国国民收入的7%以上，创造了100多万个就业岗位，其中约三分之一的就业岗位来自保险业。伦敦是全球领先的专业商业（再）保险经纪和承销中心，拥有广泛的专业技能，2013年承保了600亿英镑的毛保费。2016年，保险和养老服务出口达到176亿英镑，约占服务出口总额的7%。我们的项目调查了新人工智能技术应用给英国保险业带来的机遇和挑战，包括机器学习、分布式账本、自动化处理和商业分析和建模可用数据的爆炸式增长，包括社交媒体和新兴的“物联网”连接。我们将在英国许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。我们将在承保和风险分析、索赔处理和客户参与等业务流程和业务模式中，识别并绘制基于人工智能的创新机会范围。我们将通过与行业合作，探讨商业机会和挑战，并通过一系列案例研究，研究采用新技术的障碍和推动变革的因素。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，我们将检查成功创新的要求（“关键成功因素”），并在组织范围内对其采用的准备情况进行评估。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，例如将风险和承保从客户参与中分离出来，以及共享服务和数据的潜力。最后，从这些组织和行业调查中，我们将制定战略和政策分析和建议，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，为我们提供了与各种业务职能的从业者接触的机会：战略角色；在跨产品线和操作流程的特定业务领域；在风险分析方面；在科技领域。这些联系将支持人工智能在保险领域部署的一系列案例研究，以及访谈、调查和论坛式的实证调查，以从这些组织和行业的角度获得充分的理解。

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.