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市場調查報告書

區塊鏈:保險業者的最新數位平台

Blockchain: An Emerging Digital Platform for Insurers

出版商 Verdict Financial 商品編碼 371689
出版日期 內容資訊 英文 23 Pages
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區塊鏈:保險業者的最新數位平台 Blockchain: An Emerging Digital Platform for Insurers
出版日期: 2016年09月01日 內容資訊: 英文 23 Pages
簡介

本報告針對區塊鏈技術對保險業界的影響進行調查、提供區塊鏈概要與對保險業界的意義、區塊鏈最新技術動態、利用區塊鏈的可期待市場機會、企業合作例子、未來展望、課題。

摘要整理

  • 區塊鏈:對保險業界是市場機會或威脅?
  • 主要調查結果
  • 重要成功因素

區塊鏈保險業者、對保險業界影響

  • 介紹:對保險業者而言區塊鏈技術代表什麼?
    • 區塊鏈:證明數據時間資訊、完全性、統一性而設計的標記系統
    • 區塊鏈的進化與保險業者重新定義部分商業模式
  • 區塊鏈進化:保險業者最新技術動態
    • 無密碼簽名:支援認證與客訴的保護
    • 區塊鏈:提供可能的高透明性客訴管理方式
    • 保險業者:以建立客服中心客訴模式為目標的演算法

保險業者的市場機會

  • 保險業者利用區塊鏈的3大市場機會
    • 詐欺對策、預防風險:主要方法
    • 支付系統開發者合作:有益建立市場知識
    • 區塊鏈技術:提供新等級的網路安全
  • 對數位技術的投資:對保險業者非常普通
    • AXA:討論區塊鏈技術的商業實例的整合
    • Aviva:將點子產品化與Plug and Play合作
    • 區塊鏈的潛力表示創新智慧保險契約使用事例

區塊鏈展望與保險業者的下一步

  • 引進區塊鏈前保險業者需討論的各種限制

附錄

圖表

目錄
Product Code: VF0087IA

Summary

Blockchain is a distributed ledger that is broadly discussed as a technology with huge innovation potential in all areas of financial services. To date, it is largely in the banking arena where blockchain use cases have been identified. However, blockchain technology also offers potential use cases for insurers, including innovating insurance products and services for growth, increasing effectiveness in fraud detection and pricing, and reducing administrative costs. In these application areas insurers could address some of the main challenges they are facing today - such as limited growth in mature markets, and cost reduction and regulatory pressures. The implementation of blockchain is a long-term project as it largely depends on network/system effects as well as on defining the regulatory conditions. In addition, before initial implementation steps are taken the benefits and limitations of the technology need to be fully addressed and understood. Considering all of this, and with many other financial services investigating its prospects, now is the best time for the insurance sector as a whole to further explore blockchain technology and its potential.

Key Findings

  • Blockchain ultimately provides access to secure, decentralized transactions, offering an improved basis for non-repudiation, governance, fraud prevention, financial and personal data, and reporting.
  • Insurers see blockchain as an opportunity to integrate the ecosystems of trusted third parties to reduce the costs of their global platforms, improve customer and market reach, and develop new propositions.
  • Blockchain provides more scope for insurers to maximize governance through improved data access, third-party controls, and more sophisticated management of the risks associated with their products and services, including resilience services and cyber insurance.

Synopsis

Verdict Financial's "Blockchain: An Emerging Digital Platform for Insurers" provides an in-depth analysis of blockchain technology and its potential application to the insurance industry. The report discusses how blockchain could revolutionize many of the long-standing systems and processes within general insurance, and how insurers could benefit from the characteristics offered by the tech. The brief also provides an overview of the limitations of blockchain and the challenges insurers are likely to face going forward.

Reasons To Buy

  • Gain a detailed insight into the functions of blockchain technology. Discover how blockchain could be applied to general insurance, including the potential benefits and limitations.
  • Be informed of the insurers investing in the technology and looking to develop blockchain-centric propositions in the coming years.

Table of Contents

EXECUTIVE SUMMARY

  • Blockchain is both an opportunity and a threat to insurance
  • Key findings
  • Critical success factors

THE IMPLICATIONS OF BLOCKCHAIN FOR INSURERS AND THE INDUSTRY

  • Introduction: what does blockchain technology mean for insurers?
    • Blockchain is a tagging system designed to prove the time, integrity, and identity of data
    • The evolution of blockchain is redefining certain aspects of the insurer business model
  • The evolution of blockchain presents new technical dynamics for insurers
    • Keyless signatures assist in the authentication and preservation of claims
    • Blockchain could provide a means to manage claims in a transparent manner
    • Insurers are looking beyond algorithms to establish a customer-focused claims model

OPPORTUNITIES FOR INSURERS

  • There are three main areas of opportunity for insurers in the use of blockchain
    • Fraud detection and risk prevention are the primary solutions for the industry
    • Collaborating with payment systems developers would help expand market knowledge
    • Blockchain technology offers a new level of cyber resilience
  • Investments in digital tech are becoming more commonplace among insurers
    • AXA is considering the integration of blockchain technology into its business practices
    • Aviva has partnered with Plug and Play to help transform ideas into products
    • Blockchain's potential presents the use case for innovative smart insurance contracts

THE OUTLOOK FOR BLOCKCHAIN AND THE NEXT STEPS FOR INSURERS

  • There are limitations insurers must consider before applying blockchain

APPENDIX

  • Abbreviations and acronyms
  • Definitions
    • Big data
  • Methodology
    • Primary and secondary research
  • Bibliography
  • Further reading
  • About Verdict Financial
  • Disclaimer

List of Figures

  • Figure 1: Blockchain was initially designed to facilitate the transfer of currencies
  • Figure 2: A full audit trail of transactions in a blockchain makes transaction fraud difficult
  • Figure 3: Keyless signatures are used to verify electronic data stored in the blockchain
  • Figure 4: Some versions of blockchain technology offer insurers advanced cyber coverage
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