Big data analytics in insurance

大数据革命已经开始。一种新的创业方式正在兴起，企业正在转移 不再仅仅依赖来之不易的人类经验，而是更倾向于创新的数据驱动方法， 它们更准确、更具成本效益和更健壮。他们的主要动机是利用交易量 以及各种新可用的数据(例如，社交媒体交互、网络流量日志、文本记录、图像 数据库等)。行业合作伙伴完整保险公司对最近的数据进步并不陌生 分析并预见大数据范式为保险业提供的巨大潜力。 这种范式转变意味着为保险业务的重要方面创建数据驱动的流程， 例如，估计风险、检测欺诈、简化订阅、预测新手的长期成本、 或加快索赔处理。对这些流程的任何改进都将使 保险公司和客户，通过降低双方的成本和改善服务交付。 目前许多研究都致力于数据科学的大家庭，仅限于人工智能 作为这座巨大冰山的一角。通过这个合作研发项目，完好无损 保险公司和拉瓦尔大学大数据研究中心(BRDC)将合作促进这一创造 新的数据科学技术。将努力改善大数据分析的一般问题，在 保险背景：从文本文档中提取信息，识别复杂的概念 图像，理解传感器数据，识别模式，做出准确的预测。这个雄心勃勃的人 研究项目将导致原封不动的业务流程的重大改进，同时加强 BDRC的多学科研究倡议，并将参与的研究人员确立为 它们各自的字段。此外，这些创新不仅有助于原封不动地确立自己作为世界领导者的地位 在保险领域利用大数据，但也会影响加拿大其他行业，并导致改善 生产力、创新和卓越。

The big data revolution has begun. A new kind of entrepreneurship is emerging, and businesses are moving away from solely relying on hard-won human experience to rather favor innovative data-driven approaches, which are more accurate, cost effective and robust. Their main motivation is to take advantage of the volume and great variety of newly available data (e.g., social media interactions, web traffic logs, text records, image databases, etc.). Intact Insurance, the industrial partner, is no stranger to the recent advancements in data analytics and foresees the tremendous potential that the big data paradigm has to offer to the insurance industry. This paradigm shift implies the creation of data-driven processes for important aspects of insurance businesses, such as estimating the risk, detecting frauds, simplifying subscriptions, forecasting long-term costs of sinisters, or accelerating claim processing. Any improvements on these processes will result in benefits both to the insurer and the customers, by reducing costs to both parties and improving service delivery. A lot of research is currently devoted to the extended family of data sciences, Artificial Intelligence only being the tip of this massive iceberg. Through this Collaborative Research and Development project, Intact Insurance and the Big Data Research Center (BRDC) of Université Laval will collaborate to foster the creation of new data science technologies. Effort will be put to improve general problems of big data analytics, in the context of insurance: extraction of information from textual documents, identification of complex concepts in images, making sense of sensor data, recognizing patterns to make accurate predictions. This ambitious research project will lead to significant improvements to the business processes of Intact, while strengthening the multidisciplinary research initiatives at the BDRC and establishing the participating researchers as leader in their respective fields. Moreover, the innovations will not only help Intact establish itself as a world leader on exploiting big data in the field of insurance, but will also affect other Canadian industries and lead to improved productivity, innovation and excellence.