It took place [South Korea gimmingyeong financial newspaper reporter] possible period of insurance without the need to recruit from lightning-present channels in the insurance industry, consumers visiting the wind was introduced directly into the casino in the financial industry to join. In particular, non-face-to-face channel has to have a low-cost, high-efficiency multi-channel structure compared to face-to-face evaluation is mandatory not optional insurance to rise to the prolonged low interest rates these days gotta gotta make even "a penny". In recent years, also 'chaetbot' that consumers provide "joint purchase" the dwaeteumyeo 'crowd-insurance' services market to get affordable and diverse ensure more over, utilizing the knowledge-based services to computer customers insurance consultancy services It emerged.
◇ insurance "joint purchase" of the world
Crowd Crowd is it derived from the English word which means the crowd, collect funds from the public "has created a new vocabulary such as 'crowdfunding' containing the means. Thanks to the development of information and communication Crowdfunding is reborn in a new online "sipsiilban 'spirit.
The insurance industry in such crowd-insurance platform has emerged recently. Last month, four days Crowd insurance platform opened the door, why Inbound (inbyu) 'is an insurance and financial services consulting firm elkeyi LMS Limited (LKMS).
Elkeyi Limited predecessor of LMS-environment reasons (LKMS) has made a request to receive insurance products to minimize the loss of principal amount invested from the company since its establishment in 2014 the P2P direct negotiation without insurance to domestic and foreign insurers. Thus, even individuals who are not based on the know-how accumulated in the enterprise B2B market, focusing on the same point that the service is available, crowd-insurance platform inbound reason "was born. Inbound why officials said while opening the crowd insurance services "will continue to improve the existing problems of the insurance market and build a new ecosystem of consumer-oriented insurance."
By forming a large number of people want the group to ensure the same risk through the crowd why inbound platform is a way to provide insurance services to consumers in more favorable conditions to negotiate with the insurance premium and guarantee content based on it. A kind of insurance "joint purchase" approach in terms of purchasing power on the basis of population, in particular characterized by a reasonably capable of providing more personalized service improves the opacity of the intermediate sales channels and complex information.
Inbound reason naenwatda with the launch of the service △ 3 largest financial fraud relief services, △ Shanghai flagship product warranty services. In particular, financial services is a basic phishing scam assured, SMS phishing features as well as an enlarged dot damage guarantee to ensure the industry's first morale pharming service. If you wish to have more than 250 insurance ₩ 16,200 a year, it is possible to join a premium of up to ₩ 21,600, if less than 250 people.
Inbound reason has signed a strategic business agreement (MOU) for the latest Samsung Fire & Marine Insurance Co Buy and Internet-based platform enabled. As a result, inbound reason why dwaeteumyeo able to provide a customized insurance service for inbound customer needs based on the target customer expertise of Samsung Fire and Samsung Fire was to supply a wide range of customized insurance products for customers only inbound reasons. Gimyoungung elkeyi representatives LMS Limited said, "to build brand credibility through the co-marketing reasons inbound and Samsung Fire & Marine will continue to introduce new insurance products that are not in the domestic insurance market."
The financial authorities to supermarket online insurance prior to inbound reason emerged as "insurance platform 'also' insurance damoah. Damoah insurance services improve the complex intermediate distribution process by utilizing the online platform, just as Invar reason reduce premiums and improve coverage and opacity information asymmetry between insurance companies and consumers expand lowered the barriers. Inbound why officials "(inbound reason) insurance contracts as a company brokering the conclusion intermediate distribution stage is further reduced structure," said "affordable premium priced than the price offered by online direct platform on behalf of the information provided and agreement possible services, "he said.
◇ counselors without insurance consultancy services
Carolina Life Insurance has launched the 'chaetbot (Chatbot)' insurance-related business consulting service that over the last year, the industry's first Kakao Talk chat.
Customers can get the product information, frequently asked questions (FAQ), subscription information, product information, etc. provide the back, insert the keywords in the chat room, KakaoTalk category.
Carolina Life will provide a variety of services to increase the accuracy Korea signed a technology partnership with IBM Global Business Division sophisticated response algorithm.
Carolina Life official said, "Although there are many gaps in the market thanks to technological advances and innovative services" and "will continue to research and development to complement the gaps in 1-2 years in the future."
Dongbu services to customers and also to open the end of last year, the US professional chaetbot 'service.
US Businesses chaetbot Dongbu Insurance Services is a knowledge-based service implemented for the purpose of answering to analyze the data over knowledge claims 1000 △ △ documents how the loan agreement How to use the guide △ △ search network services, such as customer inquiries. In particular, it is possible feature more elaborate responses through feedback of knowledge-based systems running with the customer's questions and answers selected.
◇ 'Flower of insurance "float is artificial intelligence
It is still believed in the industry will be driven by further expansion in the future development trend of non-face-to-face 'tech insulator. The researchers had expected that insurance announced 14 days' Fourth Revolution and the future of the insurance industry, "it will be as early as artificial intelligence (AI) within five years dwibakkul sales channels featuring the landscape of the underwriting market."
Gimseokyoung Insurance Institute researcher, "and began to perform the main function of artificial intelligence insurance companies," he said, referring to artificial intelligence 'Eugene'. "Eugene" is AI passing the Turing Test for the first time in the world, the machine also proved that you can talk like people like.
Kim researcher naenwatda an accordingly predicted that "a robot or view the app to be would soon be possible to install an artificial intelligence specializing in insurance," he said "As a result, you can always kindly respond to customers 24 hours a day will disappear also incomplete sales." . In addition, a channel of the current actuary was expected to be converted into a highly efficient sales organization to provide differentiated services, such as financial planning, health care.
Such trend is expected to lead to greater repercussions in the insurance industry that heralded the end of the actuary channels spanning 'Mac' in the country insured since the 1960s. Planners are referred to collectively as the "Insurance aunt 'organizations and attract subscribers unprecedented number of days the phone or online insurance channel have led the insurance industry in Korea. The designers have also been causing a lot of incomplete sales falling to structure insurance fee per one hand is true.
Insurance industry officials naenwatda the "AI is incomplete, insurance agents, as well as face-to-face sales channels decreased solve the current problems caused by the lack of designers and will be able to solve the problems faced by such high costs emerge when" that rosy outlook.
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