日本保險機構軟體市場評估：依類型、部署類型、最終用戶、地區、機會、預測 (2018年度-2032年度)

日本保險代理軟體市場規模預計將從2024年度的3.5888億美元增至2032年度的5.6257億美元，年複合成長率為 5.78%。保險代理軟體為保險公司提供執行保費計算、核保、客戶服務管理和監理合規等功能的工具。該工具的先進模型整合了人工智慧和機器學習，以增強其功能並提高處理能力，使其成為現代保險實踐中提高效率和有效性的關鍵因素之一。

因此，不斷變化的客戶期望推動日本保險代理軟體市場的發展，實現更順暢的數位參與、個人化服務和更快的索賠處理。人工智慧和機器學習構成了透過提高準確性和生產力水準來滿足這些需求的基本技術，隨著對改進數位參與的需求的增加，其採用的步伐只會加快。

技術創新和不斷成長的消費者需求是日本保險代理軟體市場快速成長的催化劑。產業龍頭企業大力投入研發，致力於開發高科技產品。積極的政府措施和鼓勵性的法規進一步加速市場的成長。可支配收入的增加以及有利於優質和價值可持續產品的新興趨勢進一步支持了市場成長。因此，越來越多的公司致力於提供符合綠色標準的產品並加強其商業實踐。這意味著日本經濟成長的重大發展和保險代理軟體市場的強勁成長。

例如，成立於2018年的法國新創公司Akur8 將於2023年12月在日本開發機器學習資料驅動的保險定價平台，以自動化和最佳化保險業的定價業務流程，為40個國家的100 多家公司提供服務。

數位轉型將塑造日本保險市場

數位轉型是日本保險市場顯著成長的關鍵驅動力之一。越來越多的保險公司採用人工智慧、機器學習和巨量資料分析等先進技術來改善營運。先進技術可實現複雜流程的自動化，並實現有價值的資料驅動見解和明智的決策。例如，人工智慧可以根據設定的標準自動評估和確認保險索賠，加快索賠流程，節省人工檢查的時間和精力。巨量資料分析幫助保險公司了解客戶行為和偏好，設計更個人化的保險產品和服務。透過轉向數位解決方案，營運將更加順暢，客戶也會對更快、更準確的服務交付感到滿意。

例如，2024年 4月，Oracle宣佈在日本投資 80億美元用於雲端運算和人工智慧基礎設施。這項重大投資目的是滿足國家對雲端服務和先進技術能力不斷成長的需求。

日本人口老化對保險需求的影響

保險市場成長的第二個重要動力是日本人口老化。日本是世界上預期壽命最長的國家之一，對長期照護保險和人壽保險產品的需求不斷成長。老年人口需要全面的保險來支付醫療費用並確保退休後的經濟保障。因此，保險業務的性質發生變化，以長期照護保險和退休金等形式創新老年人產品。更重要的是，人口老化迫使保險公司採用遠端諮詢和數位健康監測技術，以更輕鬆地為老年客戶提供服務。對人口老化的關注推動保險產品和服務的創新，同時滿足關鍵的市場需求。

例如，2023年12月，日本厚生勞動省提議提高65歲以上高收入者的長期照護保險費。該提案目的是解決與日本人口老化相關的日益成長的財務需求，並確保長期照護保險制度的可持續性。擬議的改革是更公平地平衡不同收入群體的財政負擔的更廣泛努力的一部分。

本報告研究和分析了日本保險代理軟體市場，提供市場規模和預測、市場動態以及主要參與者的現狀和前景。

目錄

第1章 專案範圍與定義

第2章 研究方法

第3章 執行摘要

第4章 顧客回饋

• 軟體與市場訊息
• 品牌識別方法
• 購買決策時考慮的因素
  • 功能和其他加值服務
  • IT 基礎架構相容性
  • 解決方案效率
  • 售後支持
• 隱私和監管考慮

第5章 日本保險代理軟體市場展望 (2018年度-2032年度)

• 市場規模分析與預測
  • 金額
• 市佔率分析與預測
  • 依類型
  • 依部署
  • 依最終用戶
  • 依地區
  • 市佔率分析：依公司 (價值) (前5名公司及其他 -2024年度)
• 市場地圖分析 (2024年)
  • 依類型
  • 依部署
  • 依最終用戶
  • 依地區

第6章 供需分析

第7章 價值鏈分析

第8章 波特五力分析

第9章 PESTLE分析

第10章 軟體價格分析

第11章 市場動態

• 市場驅動因素
• 市場挑戰

第12章 市場趨勢與發展

第13章 案例研究

第14章 競爭態勢

• 前5名市場領導者的競爭矩陣
• 前5名的公司的SWOT 分析
• 前10名主要企業狀況
  • Vertafore, Inc.
  • Applied Systems, Inc.
  • Sapiens International Corporation
  • Zywave, Inc.
  • XDimensional Technologies, Inc.
  • Tigerlab Holding, AG
  • ADM Network, Ltd.
  • Artivatic Data Labs Pvt Ltd.
  • Applied Systems, Inc.
  • LifeGuide Financial Advisors, LLC

第15章 策略建議

第16章 關於本公司，免責聲明

Japan insurance agency software market is projected to witness a CAGR of 5.78% during the forecast period FY2025-FY2032, growing from USD 358.88 million in FY2024 to USD 562.57 million in FY2032. Insurance agency software provides insurance companies with the tools for performing functions such as premium calculation, underwriting, customer care management, and regulatory compliance. Advanced models of this tool integrate AI and machine learning to enhance functionality and increase their processing capability, making them one of the key elements in gaining efficiency and effectiveness in modern insurance practice.

Consequently, continuously evolving customer expectations drive the growth of the insurance agency software market in Japan for frictionless digital engagement, personalized services, and speedier claims processing. Since AI and machine learning form vital technologies in addressing these demands by enhancing the level of accuracy and productivity, this is increasingly accelerating the pace of adoption amidst growing requirements for increased digital engagement.

The technological innovations, along with the growing demand by consumers, have been acting as catalysts for the rapid growth in the Japan insurance agency management software market. Major industry participants are concentrating on the development of high-tech products using large-scale investments in R&D. Favorable government initiatives coupled with encouraging regulations further accelerate the market growth. Increasing disposable incomes and emerging trends toward preference for premium and value-sustainable products further support the market's growth. Consequently, more firms are focusing on providing products and enhancing their business practices to meet the standards of going green. This would mean a significant development in the economic growth of the nation and a strong growth for the insurance agency management software market in Japan.

For instance, in December 2023, Akur8, a French startup founded in 2018, developed a machine-learning and data-driven insurance pricing platform in Japan that automates and optimizes pricing business processes in the insurance industry and has been providing services to over 100 companies in 40 countries worldwide.

Digital Transformation is Shaping Japan's Insurance Market

Digital transformation is one of the key drivers for phenomenal growth in the Japanese insurance market. A rising number of insurers are adopting advanced technologies such as AI, ML, and Big Data Analytics to improve their business operations. Advanced technologies allow the automation of complex processes for valuable insight into data and informed decision-making. For instance, AI can speed up the process of claims by automatically evaluating and confirming claims based on set conditions, therefore saving time and effort taken for manual checks. Big data analytics helps insurers know their customers' behavior and preference, hence designing more personalized insurance products and services. Moving to digital solutions will smoothen the operations and please customers by offering speedy and accurate service delivery.

For instance, in April 2024, Oracle revealed a USD 8 billion investment in cloud computing and AI Infrastructure in Japan. This significant investment aims to cater to the country's increasing demand for cloud services and advanced technological capabilities.

The Impact of Japan's Aging Population on Insurance Needs

The second important driver for the growth of the insurance market is Japan's aging population. With one of the highest life expectancies in the world, Japan has an increasing requirement for long-term care and life insurance products. The elderly population requires comprehensive insurance coverage to finance health care costs and ensure financial security in old age. This, therefore, has been changing the nature of the insurance business by innovating products for older adults in the form of long-term care insurance and annuities. More importantly, aging has forced insurers to adopt technologies enabling remote consultations and digital health monitoring to easily have elderly customers served with ease. The focus on the aging population, while filling an extremely critical market need, increasingly drives the innovation in insurance products and services.

For instance, in December 2023, The Ministry of Health, Labor, and Welfare (MHLW) in Japan proposed an increase in long-term care insurance premiums for individuals aged 65 and above having high incomes. This proposal aims to address the growing financial demands of Japan's aging population and ensure the sustainability of the long-term care insurance system. The proposed changes are part of broader efforts to balance the financial burden more equitably among different income groups.

The Role of Regulatory Compliance in Japan's Insurance Industry

The insurance industry in Japan is regulated by the Financial Services Agency, commonly known as FSA, and the Local Finance Bureau of the Ministry of Finance, which work to ensure that insurers conform to a set of strict guidelines and standards. These include laws on licensing of operations, solvency, and reserve requirements, investment regulations, and others. These regulations are very important in relation to market stability and protection of the interests of policyholders. Positively, insurance software solutions have been developed to help insurers fulfill these requirements efficiently through automation of compliance processes, reporting with high accuracy, and data security. Insurers operating in this market can thus use technology effectively to achieve ease in compliance, while they focus on the core aspect of providing quality service with the least risk of regulatory breach.

For instance, the FSA requires insurance companies to maintain specific solvency margins to ensure they can meet their long-term obligations to policyholders. This involves calculating the solvency margin ratio, which is a measure of an insurer's financial health and ability to withstand financial shocks. To comply with these regulations, many insurers in Japan have adopted advanced insurance software solutions. These systems automate the process of calculating solvency margins, generating accurate reports, and ensuring data security.

Dominance of Cloud-based Segment Software

In Japan insurance agency software market, cloud-based solutions are more widely used among insurers. The adoption of cloud-based insurance software has been driven by its cost-effectiveness, scalability, and flexibility features. Cloud-based systems allow insurers to access applications, data storage, and computing power on-demand, which is particularly beneficial for managing large volumes of data and ensuring seamless operations.

While on-premises solutions are still in use, the trend is shifting towards cloud-based systems due to several benefits, such as cost-effectiveness for insurers as it doesn't require major upfront investments in hardware and infrastructures. It allows insurers to opt for pay-as-you-go models that support economic scaling by reducing maintenance costs. Apart from this, cloud systems are scalable, so insurers can scale up and down depending on demand and, therefore, manage sudden peaks in data volumes during catastrophes. The flexibility of cloud-based systems allows for remote work to be enabled through access to applications and data from anywhere on any device connected to the internet. This boosts productivity and business continuity. Additionally, the cloud-based solution has emerged as part of a wider insurance market digital transformation that will embrace the emerging technologies of AI, ML, and big data analytics to enable business process automation, efficiency enhancement, and fact-based decisions.

For instance, in April 2024, Microsoft announced it would invest USD 2.9 billion over the next two years to increase its hyperscale cloud computing and AI infrastructure in Japan. It will expand its digital skilling programs to provide AI skills to more than 3 million people over the next three years, open its first Microsoft Research Asia lab in Japan, and deepen its cybersecurity collaboration with the government of Japan. This will help insurance software companies scale AI-driven cloud-based software and increase awareness about cloud computing.

Central Region of Japan Dominates Insurance Agency Software Market Share

The Central region, especially the Kanto area, is Japan's economic and financial center. Many insurance companies, financial institutions, and multinational corporations are headquartered or base their operations in Tokyo. With so many large enterprises, highly functional insurance software enhances operational efficiency and is in high demand.

In addition, Tokyo and its metropolitan area are known for technology and innovation. It is a hub of technology-savvy companies and a pool of high labor, driving the development and adoption of sophisticated insurance software. The region's dynamic atmosphere encourages digital transformation initiatives, integrating cloud-based AI-driven solutions. Excellent infrastructure and connectivity rope in the region is characterized by high-speed internet and an advanced system of communication that further facilitates the deployment of modern insurance technologies. Also, the heterogeneous customer segments of the Central region range from individual policyholders to business houses and build up demands for strong and flexible insurance software solutions.

One of the most well-known examples of digital transformation in Tokyo's insurance industry is Tokio Marine Holdings. The firm has been using advanced technology to create better advantages over its existing services. It established an incubator for startup firms with regards to bringing new products related to digital insurance. This is facilitated by Tokyo's vibrant high-tech environment and labor force for the incubation process.

Future Market Scenario (FY2025 - FY2032F)

Digital tools automate key processes such as claims and policy management, cutting costs, and improving resource use, while real-time analytics enhance service personalization.

Cloud solutions will provide scalability and flexibility, helping insurers handle peak demands and improve their services in the forecast period.

Unique demographic features such as the aging population and high population density will aid the growth of the insurance and insurance agency software market.

Key Players Landscape and Outlook

The competitive landscape of Japan insurance agency management software market is highly diverse, with participants ranging from long-standing industry players to new entrants bringing innovative ideas and approaches. This dynamics is driven by the need for ongoing innovation and the capability of customized solutions targeted at specific needs. It is a fact that success in this arena increasingly relies on a company's capability to harness innovative technologies and make rapid adjustments to the evolving trends in the market. The organizations that can implement more advanced technological solutions, are more agile to the evolution of customer demand, likely to hold an advantage in the ever-changing environment.

In August 2024, Applied Systems was recognized as a Global 5-Star Insurance Technology Provider by Insurance Business. Applied received the award for its continued commitment to alleviating long-standing industry challenges through innovation and fully connecting the Digital Roundtrip of Insurance, delivering a seamless end-to-end experience for all stakeholders.

In March 2024, DUAL Group won Celent Model Insurer Award, which recognizes insurance companies for excellence and innovation in their use of technology for Boosting Productivity and Revenue with the implementation of Vertafore's MGA Systems.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Software and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Features and Other Value-Added Service
  • 4.3.2. IT Infrastructure Compatibility
  • 4.3.3. Efficiency of Solutions
  • 4.3.4. After-Sales Support
• 4.4. Consideration of Privacy and Regulations

5. Japan Insurance Agency Software Market Outlook, FY2018-FY2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Type
    • 5.2.1.1. Life Insurance
    • 5.2.1.2. Auto Insurance
    • 5.2.1.3. Accident and Health Insurance
    • 5.2.1.4. Home Insurance
    • 5.2.1.5. Property and Casualty Insurance
    • 5.2.1.6. Travel Insurance
    • 5.2.1.7. Others
  • 5.2.2. By Deployment
    • 5.2.2.1. On-premises
    • 5.2.2.2. Cloud
  • 5.2.3. By End-user
    • 5.2.3.1. Small Business
    • 5.2.3.2. Medium-sized Business
    • 5.2.3.3. Large Business
  • 5.2.4. By Region
    • 5.2.4.1. North
    • 5.2.4.2. Central
    • 5.2.4.3. South
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2024
  • 5.3.1. By Type
  • 5.3.2. By Deployment
  • 5.3.3. By End-user
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Software Pricing Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Vertafore, Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Applied Systems, Inc.
  • 14.3.3. Sapiens International Corporation
  • 14.3.4. Zywave, Inc.
  • 14.3.5. XDimensional Technologies, Inc.
  • 14.3.6. Tigerlab Holding, AG
  • 14.3.7. ADM Network, Ltd.
  • 14.3.8. Artivatic Data Labs Pvt Ltd.
  • 14.3.9. Applied Systems, Inc.
  • 14.3.10. LifeGuide Financial Advisors, LLC

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Japan Insurance Agency Software Market, By Value, In USD Million, FY2018-FY2032F
• Figure 2. Japan Insurance Agency Software Market Share (%), By Type, FY2018-FY2032F
• Figure 3. Japan Insurance Agency Software Market Share (%), By Deployment Type, FY2018-FY2032F
• Figure 4. Japan Insurance Agency Software Market Share (%), By End-user, FY2018-FY2032F
• Figure 5. Japan Insurance Agency Software Market Share (%), By Region, FY2018-FY2032F
• Figure 6. By Type Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 7. By Deployment Type Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 8. By End-user Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 9. By Region Map-Market Size (USD Million) & Growth Rate (%), FY2024