{"id":11703,"date":"2021-03-23T15:41:22","date_gmt":"2021-03-23T13:41:22","guid":{"rendered":"https:\/\/insly.com\/?p=11703"},"modified":"2023-08-22T12:31:26","modified_gmt":"2023-08-22T09:31:26","slug":"how-ecosystems-drive-insurance-digitalisation","status":"publish","type":"post","link":"https:\/\/insly.com\/en\/blog\/how-ecosystems-drive-insurance-digitalisation\/","title":{"rendered":"How Ecosystems Drive Insurance Digitalisation"},"content":{"rendered":"
<\/div>

Insurance digitalisation is transforming\u00a0the industry as a trend that insurers and MGAs cannot deny.\u00a0The need for a convenient online experience\u00a0has increased tremendously as AI and data-driven solutions are reshaping\u00a0the market.\u00a0This\u00a0urges\u00a0market players to\u00a0change their mindset and\u00a0the\u00a0way\u00a0they\u00a0offer insurance products and services.\u00a0In a saturated market, insurance digitalisation provides a way to gain a competitive edge\u00a0in an ecosystem environment.<\/span>\u00a0<\/span><\/p>\n

Platforms and Ecosystems Spur Insurance Digitalisation<\/span>\u00a0<\/span><\/h2>\n

Traditional industry borders\u00a0have faded\u00a0away\u00a0and\u00a0the future of\u00a0<\/span>insurance\u00a0will\u00a0greatly\u00a0be influenced by platforms and ecosystems<\/span><\/a>\u00a0that will act as catalysts for insurance digitalisation.\u00a0A platform can be defined as a model that connects several participants, both merchants and consumers, allows them\u00a0to\u00a0interact with\u00a0each\u00a0other, as well as\u00a0to\u00a0create and exchange value.\u00a0Examples of businesses that were\u00a0initially\u00a0built on platform models include\u00a0<\/span>Alibaba<\/span><\/a>,\u00a0<\/span>Amazon<\/span><\/a>, and\u00a0<\/span>Facebook<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

An ecosystem is an interconnected set of services that\u00a0fulfils a variety of users\u2019 needs\u00a0in\u00a0an\u00a0integrated experience.\u00a0Most popular B2C ecosystems are focusing on covering demands for travel, healthcare, or housing.\u00a0On the other hand,\u00a0B2B\u00a0ecosystems concentrate on certain tasks or functions such as sales and\u00a0marketing, operations, procurement, or financing.<\/span>\u00a0<\/span><\/p>\n

Ecosystems develop through network effects. They enable to create products and services that companies wouldn\u2019t be able to offer on their own. Ecosystems create services around the customer, increasing the need for data processing and smart systems, therefore also affecting insurance digitalisation. This enables to launch better and more personalised offerings backed by technology, AI, and machine learning. For insurers and MGAs to get the most out of technology, they need to rethink the full cycle of insurance processes from quote and bind to reporting and consider their key customers who might be either end-users, brokers, or their own employees.\u00a0<\/span>\u00a0<\/span><\/p>\n

A customer-centric approach unlocks new opportunities throughout the value chain, creating end-to-end journeys with one single point of entry for the customer. The new normality is using <\/span>Airbnb<\/span><\/a> for booking accommodation, hailing a ride on <\/span>Bolt<\/span><\/a>\u00a0or\u00a0<\/span>Uber<\/span><\/a>,\u00a0or\u00a0getting insurance\u00a0from\u00a0<\/span>Wefox<\/span><\/a>.\u00a0Today,\u00a0<\/span>Apple<\/span><\/a> is far from being just a phone manufacturer – they even offer smartwatches bundled with personal health monitoring programmes. This shows how companies across the world engage in strategic partnerships to deliver a comprehensive user experience. Insurers and MGAs are no exception and need to think of efficient ways of insurance digitalisation to be able to offer a similar, interconnected journey. <\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

How Is the Value Created in Ecosystems?<\/span>\u00a0<\/span><\/h2>\n

A\u00a0customer-oriented mindset has enabled companies to\u00a0unleash new\u00a0value.\u00a0The most\u00a0<\/span>successful and highly capitalised companies in the world<\/span><\/a>\u00a0drive their revenues from\u00a0the\u00a0B2C and B2B ecosystems they have created.\u00a0For example,\u00a0<\/span>Amazon<\/span><\/a>\u00a0brings together e-commerce, cloud services, logistics, and consumer electronics,\u00a0while\u00a0<\/span>Tencent<\/span><\/a>\u00a0covers social media, gaming, finance, and cloud services.\u00a0In fact, the super apps trend,\u00a0pointed out by\u00a0the top insurtech influencer\u00a0<\/span>Steve Tunstall in his interview for Insly<\/span>, has been a true game-changer in Southeast Asia and also falls into the ecosystems\u2019 category.<\/span><\/p>\n

\"Top
Source: McKinsey, 2020.\u00a0<\/figcaption><\/figure>\n

 <\/p>\n

Ecosystems create value along multiple dimensions and allow their members to merge a wide range of customers across sectors. Ecosystems\u00a0<\/span>provide mainly three types of value<\/span><\/a>\u00a0by:\u00a0<\/span>\u00a0<\/span><\/p>\n

    \n
  1. acting as gateways for seamlessly switching across services;<\/span><\/li>\n
  2. applying\u00a0network effects;<\/span>\u00a0<\/span><\/li>\n
  3. integrating information across services.<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

    Let\u2019s take\u00a0messaging\u00a0apps\u00a0as an example. Today, these\u00a0allow users to perform a variety of activities like shop\u00a0or\u00a0check into a hotel,\u00a0in addition to\u00a0chatting\u00a0with a friend. You don\u2019t need to jump between different websites or log in to various environments\u00a0\u2013\u00a0necessary actions\u00a0can be done\u00a0through one interface.\u00a0<\/span>\u00a0<\/span><\/p>\n

    Speaking of network effects, smart home products, like\u00a0Amazon Alexa\u00a0or\u00a0Google Nest\u00a0are a good example.\u00a0In fact, the latter shares a monthly overview of energy consumption to its customers. This also adds value for utility providers by equipping them with consumption data and allowing to optimise production.<\/span>\u00a0<\/span><\/p>\n

    Regarding data integration, the key is to combine datasets that currently sit in silos within ecosystems, e.g. using healthcare data to encourage people to\u00a0live\u00a0a healthy lifestyle\u00a0or using<\/span>\u00a0telematics\u00a0<\/span>to offer better rates.<\/span>\u00a0<\/span><\/p>\n

    Ecosystems Will Soon Account for 30% of Worldwide Revenues\u00a0<\/span>\u00a0<\/span><\/h2>\n

    Digital ecosystems\u00a0will provide\u00a0companies\u00a0better\u00a0opportunities\u00a0to\u00a0take advantage of\u00a0global markets\u00a0thanks to the new age of borderless industries.\u00a0By 2025, they are expected to result to a staggering\u00a0<\/span>30% of global revenues<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

    \"estimated
    Source:\u00a0McKinsey, 2018.\u00a0<\/figcaption><\/figure>\n

     <\/p>\n

    As in\u00a0other industries,\u00a0\u00a0digitalisation in insurance cannot be avoided.\u00a0It\u2019s not about offering\u00a0vehicle\u00a0or travel insurance, rather than creating a comprehensive experience around different events of life or business\u00a0\u2013 just\u00a0as\u00a0<\/span>Insly\u2019s CEO\u00a0Risto Rossar\u00a0predicted in his interview<\/span><\/a>. The trend is towards value creation across the whole customer journey and combining services from different industries to create a unique and fruitful experience. Insurers and MGAs have the opportunity to unleash new sources of revenue by\u00a0insurance digitalisation\u00a0and acceptance of\u00a0the ecosystem mindset. The most relevant ecosystems to the insurance industry include mobility, housing, health,\u00a0B2B services, and\u00a0wealth protection.\u00a0Speaking of which, you can read about how\u00a0<\/span>income protection insurance was launched in Lithuania<\/span><\/a> to\u00a0insure\u00a0the customers in the\u00a0consumer loans industry.<\/span><\/p>\n

    Insurance Digitalisation Is a Precondition\u00a0for Insurers and MGAs<\/span>\u00a0<\/span><\/h2>\n

    How can insurers and MGAs prepare for an ecosystem? Well, a proper system for insurance digitalisation can act as a single platform or gateway for policy administration, claims, accounting, and reporting. This platform – the single source of truth – can also be accessed by brokers. It can generate all kinds of customised reports for in-house purposes or for meeting capacity providers\u2019 requirements. Above all, it is built to easily access data from your own or external sources which can be\u00a0<\/span>integrated seamlessly via APIs<\/span><\/a>.<\/span>\u00a0All that to support insurers and MGAs in building their own or connecting to existing ecosystems.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

    Ushering in the ecosystem mindset gives a chance to embed insurance products into seamless customer journeys. Insurers and MGAs must realise that that value is created differently in ecosystems. They must start creating active relationships with customers and building a strong contact network. Also, reinventing the business model, focusing on insurance digitalisation, and aiming at partnerships with players inside and outside the industry are a must.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

    This is how strategic alliances are formed. We see new types of products such as offering insurance as additional value when buying electronics online. Or in the mobility sector \u2013 a customer rents a car at a corner of a street and doesn\u2019t have to worry about his 15-minute drive being insured. Interoperability between in-house and external partner systems is crucial, because only by a seamless data flow can insurers and MGAs personalise their offerings. This calls for new solutions in insurance digitalisation.<\/span>\u00a0<\/span><\/p>\n

    In\u00a0our\u00a0next blog post, we\u2019ll take a closer look\u00a0at\u00a0how insurers and MGAs can achieve success and\u00a0efficiency in insurance ecosystems.<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    Insurance digitalisation is transforming\u00a0the industry as a trend that insurers and MGAs cannot deny.\u00a0The need for a convenient online experience\u00a0has increased tremendously as AI and data-driven solutions are reshaping\u00a0the market.\u00a0This\u00a0urges\u00a0market players to\u00a0change their mindset and\u00a0the\u00a0way\u00a0they\u00a0offer insurance products and services.\u00a0In a saturated market, insurance digitalisation provides a way to gain a competitive edge\u00a0in an ecosystem environment.\u00a0 […]<\/p>\n","protected":false},"author":12,"featured_media":11715,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[39],"tags":[287,301,26,27],"class_list":["post-11703","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-innovation","tag-digitalisation-insurance-market","tag-insurance-digitalisation","tag-insurance-innovation","tag-insurtech"],"acf":[],"yoast_head":"\nHow Ecosystems Drive Insurance Digitalisation - 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