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Transforming Financial Services for a Hyperconnected World

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In this session we showcase thought leading commentary from Allianz about the opportunities of digitization, focusing on the key areas of engagement, product transformation and ecosystem enablement. To bring the discussion to life we will showcase a joint demonstration of the way in which customers’ experiences of home insurance and assistance could be transformed by new digital processes, connecting enterprise systems to mobiles, wearables, cloud services and sensors to support a richer interaction between customers and their insurance providers.

Steffen Krotsch

Publié dans : Technologie
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Transforming Financial Services for a Hyperconnected World

  1. 1. 1 Transforming Financial Services for a Hyperconnected World Dr. Steffen Krotsch Head of Innovation Allianz Worldwide Partners More value together
  2. 2. 2 19November2015WelcometoAllianzWorldwidePartners Allianz Worldwide Partners Global service provision Financial services Airline companies Government, IGO Private individuals Tourism Automotive industry Corporations Automotive Assistance International health
  3. 3. 3 The Internet of Things – So What? …on customer needs and on our business The IoT has significant effects… Connected Home Connected Car Connected Health Customers Products Market  Creating IoT value via services  Real-time & proactive services  Platforms & ecosystems  Home, Car & Person are physical  High interaction frequency  Risks from new devices
  4. 4. 4 Proving Sensor Based Assistance  First Smart Home product launched in Germany on Nov. 2nd  Alarms automatically sent to Allianz Global Assistance  Strong customer proposition – high interest in services which improve safety and security  Opens up opportunities to transform operations to deepen and connect the experience further
  5. 5. 5 Provider networks Products & Services Sensing Ecosystem Open APIs Service Orchestration Events Suppliers Actions TrackingClaimsSubscription Home assistance Home repair service Travel insurance Automotive Insurance Health Insurance Road Side Assistance Medical Advice Travel health Assistance Appliance Insurance Household Insurance Home Health CarTravel proactive services to mitigate loss detect problems & auto-trigger action value chain integration Digital Insurance & Assistance Services
  6. 6. 6 Technical Challenges of Digitization Product Systems Financal Systems Claims Systems CRM Systems Unifying experience, sensing issues & triggering actions Extending enterprise systems & data to the digital world Connecting devices, systems & partners in end to end processes Enterprise Systems Digital Flows 3 2 1 Ecosystems API
  7. 7. 7 An Open Innovation Approach • Tiny & wireless smart objects • Sensing & control capabilities • Cloud integration and management Sensing real world events Connecting digital services • Device-independent user experiences • Rapid end to end process digitization • Connecting people, systems and things Delivering global financial services • World leader in insurance and assistance • Integrating insurance, assistance & technology • API programme to accelerate digital shift
  8. 8. 8 A Real Life Scenario Customer goes on holiday House taken under management Detect location and realise house is empty Intrusion, fire and water sensors armed & monitored Water leak detected Sensors detect leak, switch off water & send alert Service Centre experts Assess problem, open claim & despatch plumber Plumber despatched Location and job sent to mobile, security disabled Plumber fixes problem Work & costs submitted, security re-armed, water turned on Emergency claim is settled Plumber is paid, claim is closed and customer is updated Home insurance facilitation Acceleration of repairs by pre- populating damage claims
  9. 9. 9 Water PresenceHumidityElectrovalve SERVICE / INSURANCE AWP CUSTOMER ASSISTANCE PARTNERS HOUSE Digital Insurance Service Location Updates Alerts Control Major Components of the Solution Smart Phone Powered by Powered by Powered by Routing Job scheduling Expert evaluation Invoicing Industrial Tablet SERVICE CLAIMS FINANCECRM RunMy App Powered by RunMy App Powered by
  10. 10. 10 Connected Sensors  Web connected sensing and actuation provide easy to integrate real time information and alerting Checks humidity level to reduce false alarms Ambient SensorElectro-Valve Called to turn off supply if leak detected Water Sensor Detects leak & sends alert to start process Presence Sensor Monitors for intrusión - disarmed to allow entry Web Gateway End to end connectivity from devices to business & management Homard Management RunMyProcess Platform
  11. 11. 11 Enterprise Information Systems  Mobile and office based systems allow connected access for customers, staff and field-based partners Maintenance App Allow field partners to receive & manage jobs Service Centre Alert response & partner allocation Customer App Control environment & receive alerts / updates Enterprise APIs APIs for customers, claims and invoicing RunMyProcess
  12. 12. 12 Fujitsu RunMyProcess Bi-directional IoT integration via CoAP, MQTT & LWM2M to enable real world sensing & action Over 2,500 cloud & on-premise connectors to integrate new digital systems with existing back office Rapid delivery of complex digital applications & processes spanning people, devices and systems Access to applications from any device thanks to RunMyApp mobile delivery capabilities  A rapid application delivery platform which connects enterprise systems to people, software & things Connected Services Enterprise Systems & Processes Connected Experiences Connected Objects Fujitsu RunMyProcess
  13. 13. 13 Demonstration
  14. 14. 14 Benefits of Connectivity to Ecosystem Proactively mitigating risk can bring benefits to people, enterprises and society
  15. 15. 15 Six Ideas for Digital Leaders Put people at the centre Launch ideas quickly to learn Put customer experiences and not technology at the heart of the transformation Sophisticated automation is often not necessary at start – just deliver MVP & learn Accelerate with open platforms Using open platforms eases the integration of resources necessary to deliver digital value Leverage existing assets Build on existing strengths, striking a balance between new digital flows & existing resources Innovate through ecosystems APIs, hackerthons, innovation events & open collaborations bring new perspectives Connect end to end True digital business means transforming processes to connect resources end to end