Big data analytics in insurance

保险业大数据分析

• 批准号: 515901-2017
• 负责人: Laviolette, François
• 金额: $ 23.44万
• 依托单位: Université Laval
• 依托单位国家: 加拿大
• 项目类别: Collaborative Research and Development Grants
• 财政年份: 2021
• 资助国家: 加拿大
• 起止时间: 2021-01-01 至 2022-12-31
• 项目状态: 已结题
• 来源: https://www.nserc-crsng.gc.ca/ase-oro/Details-Detailles_eng.asp?id=719387
• 关键词: Big; data; analytics; insurance

The big data revolution has begun. A new kind of entrepreneurship is emerging, and businesses are movingaway 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 volumeand great variety of newly available data (e.g., social media interactions, web traffic logs, text records, imagedatabases, etc.). Intact Insurance, the industrial partner, is no stranger to the recent advancements in dataanalytics 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 theinsurer 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 onlybeing the tip of this massive iceberg. Through this Collaborative Research and Development project, IntactInsurance and the Big Data Research Center (BRDC) of Université Laval will collaborate to foster the creationof new data science technologies. Effort will be put to improve general problems of big data analytics, in thecontext of insurance: extraction of information from textual documents, identification of complex concepts inimages, making sense of sensor data, recognizing patterns to make accurate predictions. This ambitiousresearch project will lead to significant improvements to the business processes of Intact, while strengtheningthe multidisciplinary research initiatives at the BDRC and establishing the participating researchers as leader intheir respective fields. Moreover, the innovations will not only help Intact establish itself as a world leader onexploiting big data in the field of insurance, but will also affect other Canadian industries and lead to improvedproductivity, innovation and excellence.

大数据革命已经开始。一种新的创业方式正在出现，企业正在摆脱仅仅依赖来之不易的人类经验，而更倾向于创新的数据驱动方法，这些方法更准确，更具成本效益和强大。他们的主要动机是利用大量和各种各样的新可用数据（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Intact Insurance对数据分析的最新进展并不陌生，并预见到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，预测恶意软件的长期成本或加速索赔处理。对这些流程的任何改进都将通过降低双方的成本和改善服务交付，为保险公司和客户带来好处。目前有大量研究致力于数据科学的扩展家族，人工智能只是这个巨大冰山的一角。通过这个合作研发项目，IntactInsurance和拉瓦尔大学的大数据研究中心（BRDC）将合作促进新数据科学技术的创造。将努力改善大数据分析的一般问题，在保险的背景下：从文本文档中提取信息，识别图像中的复杂概念，理解传感器数据，识别模式以做出准确的预测。这个雄心勃勃的研究项目将导致对完整的业务流程的显着改善，同时加强在BDRC的多学科研究计划，并建立参与研究人员在各自领域的领导者。此外，这些创新不仅将帮助Intact成为保险领域利用大数据的世界领导者，还将影响加拿大其他行业，并提高生产力，创新和卓越。