市場調查報告書
商品編碼
1445899
非壽險核心平台:全球市佔率(2022年)Market Share: P&C Core Insurance Platform, 2022, Worldwide |
到 2027 年,全球非壽險平台市場預計將以 10.6% 的複合年增長率成長。
過去十年,科技進步為非壽險產業帶來了各種功能變化,進一步強化了保險生態系統。 財產與意外傷害保險供應商正在採用數位優先的方法,並轉向提供開放的 API 生態系統和開箱即用的 API。 許多大型財產險供應商都提供客戶門戶,各種保險科技解決方案提供商正在構建自己的與財產險平台的集成,以實現快速增值生態系統集成。Masu。 這些技術與人工智慧 (AI)、機器學習 (ML)、高級分析和基於人工智慧的決策等新技術一起,使保險公司能夠跨多個管道(包括網站和行動裝置)存取大量客戶資料。我們現在能夠根據訂戶的需求提供透明和個人化的服務。 財產和意外保險供應商還專注於提供有關其客戶和營運的詳細信息,以幫助提高生產力和客戶體驗。 與此同時,財產和傷亡保險供應商正在轉向提供雲端部署選項。 客戶正在尋求易於部署和最少的員工幹擾。 這些投資主要旨在改善核保、識別詐欺性索賠、自動化核心處理任務以及幫助保險公司獲得即時見解和建議的預測分析。
本報告對非壽險核心平台(PAS-P&C)的定義如下。 "財產和意外保險平台使財產和意外傷害保險公司能夠管理個人和商業財產和意外傷害保險的核心業務,例如保險合約、保費計費和索賠處理。我們提供的解決方案包括:全面管理保單管理生命週期的保單管理系統;管理整個保險理賠和催收生命週期;這包括為客戶全面處理保險費理賠的保險理賠業務。
隨著保險科技生態系統的發展,保險公司正在採用具有全面整合功能的開放式架構解決方案,以改善營運、使用者體驗、風險評估、索賠處理和支付處理。越來越多地將保險科技合作夥伴納入其工作流程、評級和決策中流程。 保險公司對物聯網 (IoT) 和遠端資訊處理的需求不斷增長,因為這對於提供有助於他們改善承保的數據非常重要。 物聯網設備使保險公司能夠了解客戶的購買習慣和旅程,幫助他們與客戶建立更好的關係並提供更豐富的客戶體驗。 此外,隨著監管機構加強對資料隱私和透明度的監管,全球法規和合規要求變得越來越嚴格。 由於需要遵守國際和當地法規,財產和意外保險供應商正在努力提高合規性並增強其報告能力。
本報告分析了全球非壽險核心平台市場的份額結構,並提供了解決方案概述、市場基本結構、按實施方式、地區、行業和公司類型劃分的份額結構以及行業我們將彙編並提供信息,例如為人們提供建議。
Quadrant Knowledge Solutions Reveals that P&C Core Insurance Platform Market is Projected to Register a CAGR of 10.6 % by 2027.
Since the past decade, technological advances have caused the property & casualty (P&C) industry to undergo various functional changes that have further enhanced the insurance ecosystem. Property and Casualty (P&C) vendors are adopting a digital-first approach and are progressing towards offering an open API ecosystem and out of the box APIs. Many leading Property and Casualty (P&C) vendors are offering customer portals, which allow various insurtech solution providers to build their own integrations with the Property and Casualty (P&C) platforms to facilitate faster value-added ecosystem integrations. In addition to these technologies, the adoption of emerging technologies like artificial intelligence (AI), machine learning (ML), advanced analytics, and AI-based decision-making is helping insurers gain access to a large amount of customer data through multiple channels such as website and mobile platforms that allows them to provide transparent and personalized service based on the needs of the policyholders. Property and Casualty (P&C) vendors are also focusing on offering in-depth information pertaining to customer and operational insights that helps in improving productivity and customer experience. Property and Casualty (P&C) vendors are also moving towards offering cloud deployment options, as the customers are looking for ease of deployment and minimal staff interference. These investments are mainly made to improve underwriting, claims fraud identification, automating core processing tasks, and predictive analytics, which help insurers gain insights and recommendations in real-time.
Quadrant Knowledge Solutions defines P&C Core Insurance Platform (PAS-P&C) as "A Property & Casualty Insurance (P&C) platform enables property and casualty insurers to manage core operational functions, including policy, billing, and claims, for both personal and commercial property as well as liability coverage. An integrated P&C core suite offers solutions, including a policy management system for managing end to end policy administration lifecycle, billing for managing the full billing and collection lifecycle and claims for end-to-end processing and handling of claims for all personal and commercial lines of business".
As the Insurtech ecosystem is growing, insurance companies are incorporating an open-architecture solution with comprehensive integration capabilities and incorporating more and more Insurtech partners into their workflows, rating, and decision processes to improve their operations, user experiences, risk evaluation, claims processing, and payment processing. The demand for the internet of things (IoT) and telematics is increasing among the insurers because of their importance in obtaining data that helps insurers improve the underwriting. Utilization of IoT devices will make insurers aware about the customer's buying habits and experience journey that will allow insurers to build good relationship with the customers and offer them an enhanced customer experience. Furthermore, global regulations and compliance requirements are increasingly becoming stringent, and regulators are employing increased scrutiny on data privacy and transparency. With the need to comply with the global and local regulations, Property and Casualty (P&C) vendors are ensuring that they offer improved compliance and enhanced reporting capabilities.