Soumettre la recherche
Mettre en ligne
Capturing hearts mind and markets
•
1 j'aime
•
302 vues
Yann Lecourt
Suivre
Capturing hearts, minds and market share
Lire moins
Lire la suite
Logiciels
Signaler
Partager
Signaler
Partager
1 sur 13
Télécharger maintenant
Télécharger pour lire hors ligne
Recommandé
Natural language Processing for Smart contracts in Blockchain
Natural language Processing for Smart contracts in Blockchain
Capgemini
Alpha 1C - Roadmap to Capturing Copay Program Incremental Volume - White Paper
Alpha 1C - Roadmap to Capturing Copay Program Incremental Volume - White Paper
Al Kenney
Data & Analytics - Webinar Deck
Data & Analytics - Webinar Deck
The Digital Insurer
Navigating the Roadmap to Trustability
Navigating the Roadmap to Trustability
Peppers & Rogers Group
Banking’s Most Important Currency: Customer Trust
Banking’s Most Important Currency: Customer Trust
Peppers & Rogers Group
CWIN17 london digital ops model and transformation - max bocchini and ishit...
CWIN17 london digital ops model and transformation - max bocchini and ishit...
Capgemini
Shaping the future of insurance with IBM Watson
Shaping the future of insurance with IBM Watson
John Root
Insurance Customer Market Pulse Survey 2021
Insurance Customer Market Pulse Survey 2021
Accenture BeLux
Recommandé
Natural language Processing for Smart contracts in Blockchain
Natural language Processing for Smart contracts in Blockchain
Capgemini
Alpha 1C - Roadmap to Capturing Copay Program Incremental Volume - White Paper
Alpha 1C - Roadmap to Capturing Copay Program Incremental Volume - White Paper
Al Kenney
Data & Analytics - Webinar Deck
Data & Analytics - Webinar Deck
The Digital Insurer
Navigating the Roadmap to Trustability
Navigating the Roadmap to Trustability
Peppers & Rogers Group
Banking’s Most Important Currency: Customer Trust
Banking’s Most Important Currency: Customer Trust
Peppers & Rogers Group
CWIN17 london digital ops model and transformation - max bocchini and ishit...
CWIN17 london digital ops model and transformation - max bocchini and ishit...
Capgemini
Shaping the future of insurance with IBM Watson
Shaping the future of insurance with IBM Watson
John Root
Insurance Customer Market Pulse Survey 2021
Insurance Customer Market Pulse Survey 2021
Accenture BeLux
Insurance value chain
Insurance value chain
Shivanna Madalabhavi
Insuring the insurance business with actionable analytics
Insuring the insurance business with actionable analytics
WNS Global Services
Lean UX and Ecommerce Design: How Ai is transforming the insurance industry w...
Lean UX and Ecommerce Design: How Ai is transforming the insurance industry w...
Alex Schmelkin
Property & Casualty Insurance Top Trends 2021
Property & Casualty Insurance Top Trends 2021
Capgemini
Analytics in Insurance Value Chain
Analytics in Insurance Value Chain
NIIT Technologies
Peer-to-Peer Insurance & Community - Webinar Deck
Peer-to-Peer Insurance & Community - Webinar Deck
The Digital Insurer
Life Insurance Top Trends 2021
Life Insurance Top Trends 2021
Capgemini
Reimagining insurance distribution (Infographic)
Reimagining insurance distribution (Infographic)
Accenture Insurance
SICK: New Google Consumer Survey on the State of Health Insurance in America
SICK: New Google Consumer Survey on the State of Health Insurance in America
Tim Peters, MBA
Digital Business Transformation – Across Insurance Value Chain
Digital Business Transformation – Across Insurance Value Chain
Rob Cornwell
Webinar:Along comes MLOps...the next big thing you'll want to know
Webinar:Along comes MLOps...the next big thing you'll want to know
The Digital Insurer
Webinar:Leveraging Zendrive’s Mobility Risk Intelligence (MRI) platform throu...
Webinar:Leveraging Zendrive’s Mobility Risk Intelligence (MRI) platform throu...
The Digital Insurer
Next Branch: Humanizing CX
Next Branch: Humanizing CX
Jean-Pierre Lacroix, R.G.D.
Webinar for October 2020 - Customers for Life in a digital world
Webinar for October 2020 - Customers for Life in a digital world
The Digital Insurer
Use AI to Build Member Loyalty as Medicare Eligibility Dates Draw Near
Use AI to Build Member Loyalty as Medicare Eligibility Dates Draw Near
Cognizant
Top Trends in Retail Banking: 2021
Top Trends in Retail Banking: 2021
Capgemini
Digital Shopper Relevancy - Report 2014
Digital Shopper Relevancy - Report 2014
default default
Εισαγωγή στις αρχές της επιστήμης των ΗΥ κεφ 2 2 2
Εισαγωγή στις αρχές της επιστήμης των ΗΥ κεφ 2 2 2
Ιωάννου Γιαννάκης
Transcript
Transcript
Mohammed Zaini
Reverse Engineerig
Reverse Engineerig
JAGADISH143
Typo
Typo
jhyemi
Vispārējais ES fondu ietvars un CFLA konsultācijas
Vispārējais ES fondu ietvars un CFLA konsultācijas
Ekonomikas ministrija
Contenu connexe
Tendances
Insurance value chain
Insurance value chain
Shivanna Madalabhavi
Insuring the insurance business with actionable analytics
Insuring the insurance business with actionable analytics
WNS Global Services
Lean UX and Ecommerce Design: How Ai is transforming the insurance industry w...
Lean UX and Ecommerce Design: How Ai is transforming the insurance industry w...
Alex Schmelkin
Property & Casualty Insurance Top Trends 2021
Property & Casualty Insurance Top Trends 2021
Capgemini
Analytics in Insurance Value Chain
Analytics in Insurance Value Chain
NIIT Technologies
Peer-to-Peer Insurance & Community - Webinar Deck
Peer-to-Peer Insurance & Community - Webinar Deck
The Digital Insurer
Life Insurance Top Trends 2021
Life Insurance Top Trends 2021
Capgemini
Reimagining insurance distribution (Infographic)
Reimagining insurance distribution (Infographic)
Accenture Insurance
SICK: New Google Consumer Survey on the State of Health Insurance in America
SICK: New Google Consumer Survey on the State of Health Insurance in America
Tim Peters, MBA
Digital Business Transformation – Across Insurance Value Chain
Digital Business Transformation – Across Insurance Value Chain
Rob Cornwell
Webinar:Along comes MLOps...the next big thing you'll want to know
Webinar:Along comes MLOps...the next big thing you'll want to know
The Digital Insurer
Webinar:Leveraging Zendrive’s Mobility Risk Intelligence (MRI) platform throu...
Webinar:Leveraging Zendrive’s Mobility Risk Intelligence (MRI) platform throu...
The Digital Insurer
Next Branch: Humanizing CX
Next Branch: Humanizing CX
Jean-Pierre Lacroix, R.G.D.
Webinar for October 2020 - Customers for Life in a digital world
Webinar for October 2020 - Customers for Life in a digital world
The Digital Insurer
Use AI to Build Member Loyalty as Medicare Eligibility Dates Draw Near
Use AI to Build Member Loyalty as Medicare Eligibility Dates Draw Near
Cognizant
Top Trends in Retail Banking: 2021
Top Trends in Retail Banking: 2021
Capgemini
Digital Shopper Relevancy - Report 2014
Digital Shopper Relevancy - Report 2014
default default
Tendances
(17)
Insurance value chain
Insurance value chain
Insuring the insurance business with actionable analytics
Insuring the insurance business with actionable analytics
Lean UX and Ecommerce Design: How Ai is transforming the insurance industry w...
Lean UX and Ecommerce Design: How Ai is transforming the insurance industry w...
Property & Casualty Insurance Top Trends 2021
Property & Casualty Insurance Top Trends 2021
Analytics in Insurance Value Chain
Analytics in Insurance Value Chain
Peer-to-Peer Insurance & Community - Webinar Deck
Peer-to-Peer Insurance & Community - Webinar Deck
Life Insurance Top Trends 2021
Life Insurance Top Trends 2021
Reimagining insurance distribution (Infographic)
Reimagining insurance distribution (Infographic)
SICK: New Google Consumer Survey on the State of Health Insurance in America
SICK: New Google Consumer Survey on the State of Health Insurance in America
Digital Business Transformation – Across Insurance Value Chain
Digital Business Transformation – Across Insurance Value Chain
Webinar:Along comes MLOps...the next big thing you'll want to know
Webinar:Along comes MLOps...the next big thing you'll want to know
Webinar:Leveraging Zendrive’s Mobility Risk Intelligence (MRI) platform throu...
Webinar:Leveraging Zendrive’s Mobility Risk Intelligence (MRI) platform throu...
Next Branch: Humanizing CX
Next Branch: Humanizing CX
Webinar for October 2020 - Customers for Life in a digital world
Webinar for October 2020 - Customers for Life in a digital world
Use AI to Build Member Loyalty as Medicare Eligibility Dates Draw Near
Use AI to Build Member Loyalty as Medicare Eligibility Dates Draw Near
Top Trends in Retail Banking: 2021
Top Trends in Retail Banking: 2021
Digital Shopper Relevancy - Report 2014
Digital Shopper Relevancy - Report 2014
En vedette
Εισαγωγή στις αρχές της επιστήμης των ΗΥ κεφ 2 2 2
Εισαγωγή στις αρχές της επιστήμης των ΗΥ κεφ 2 2 2
Ιωάννου Γιαννάκης
Transcript
Transcript
Mohammed Zaini
Reverse Engineerig
Reverse Engineerig
JAGADISH143
Typo
Typo
jhyemi
Vispārējais ES fondu ietvars un CFLA konsultācijas
Vispārējais ES fondu ietvars un CFLA konsultācijas
Ekonomikas ministrija
ALTUM piedāvājumi uzņēmējdarbības uzsācējiem un uzņēmējiem ar pieredzi
ALTUM piedāvājumi uzņēmējdarbības uzsācējiem un uzņēmējiem ar pieredzi
Ekonomikas ministrija
How do structured settlements work?
How do structured settlements work?
iSettlements
EMRAN WAQUAR UPDATE RESUME
EMRAN WAQUAR UPDATE RESUME
EMRAN WAQUAR
Exascale storage
Exascale storage
Abhijeet Upponi
100 diapositivas
100 diapositivas
Kiloas
Our groups initial ideas
Our groups initial ideas
Grace Crawford
20151105 普賢行v4 slideshare
20151105 普賢行v4 slideshare
明哲 李
Presentatie UWV Groningen 11 mei 2011
Presentatie UWV Groningen 11 mei 2011
Leonore Pop-Venmans
кононюк2
кононюк2
Анжела Козак
Kc fall inspiration 4
Kc fall inspiration 4
Gaby Yataco Ponte
RESUME 1-25-15
RESUME 1-25-15
Laura Dion-Jones
กสพท. ภาษาไทย 2557
กสพท. ภาษาไทย 2557
รวมข้อสอบ gat pat 9 วิชา
5 Ways to Improve Your Email Campaigns
5 Ways to Improve Your Email Campaigns
Tanya Wheeler-Berliner
Packet Processing Application
Packet Processing Application
adil raja
En vedette
(19)
Εισαγωγή στις αρχές της επιστήμης των ΗΥ κεφ 2 2 2
Εισαγωγή στις αρχές της επιστήμης των ΗΥ κεφ 2 2 2
Transcript
Transcript
Reverse Engineerig
Reverse Engineerig
Typo
Typo
Vispārējais ES fondu ietvars un CFLA konsultācijas
Vispārējais ES fondu ietvars un CFLA konsultācijas
ALTUM piedāvājumi uzņēmējdarbības uzsācējiem un uzņēmējiem ar pieredzi
ALTUM piedāvājumi uzņēmējdarbības uzsācējiem un uzņēmējiem ar pieredzi
How do structured settlements work?
How do structured settlements work?
EMRAN WAQUAR UPDATE RESUME
EMRAN WAQUAR UPDATE RESUME
Exascale storage
Exascale storage
100 diapositivas
100 diapositivas
Our groups initial ideas
Our groups initial ideas
20151105 普賢行v4 slideshare
20151105 普賢行v4 slideshare
Presentatie UWV Groningen 11 mei 2011
Presentatie UWV Groningen 11 mei 2011
кононюк2
кононюк2
Kc fall inspiration 4
Kc fall inspiration 4
RESUME 1-25-15
RESUME 1-25-15
กสพท. ภาษาไทย 2557
กสพท. ภาษาไทย 2557
5 Ways to Improve Your Email Campaigns
5 Ways to Improve Your Email Campaigns
Packet Processing Application
Packet Processing Application
Similaire à Capturing hearts mind and markets
Digital and Direct Non-Life Insurance in Asia
Digital and Direct Non-Life Insurance in Asia
The Digital Insurer
Finding & engaging today's insurance customer
Finding & engaging today's insurance customer
IBM Watson Commerce
A change manifesto for the CIO: A business perspective by Hugh Terry
A change manifesto for the CIO: A business perspective by Hugh Terry
The Digital Insurer
IIS China 2014 - The New Insurance engagement Final
IIS China 2014 - The New Insurance engagement Final
Andrew Dart
Insurance Through the Eyes of the Customer
Insurance Through the Eyes of the Customer
The Digital Insurer
Reinventing Insurance
Reinventing Insurance
Kevin Pledge
Your cognitive future insurances
Your cognitive future insurances
Yann Lecourt
Digital Disruption of Life Insurance
Digital Disruption of Life Insurance
Kevin Pledge
Digital Distribution trends
Digital Distribution trends
The Digital Insurer
2015 Global data valuation survey
2015 Global data valuation survey
Brunswick Group
Chady US Bank
Chady US Bank
Hilary Ip
Cognitive computing insurance
Cognitive computing insurance
Eric Roselier
IBM - Cognitive Computing in Insurance
IBM - Cognitive Computing in Insurance
Francisco González Jiménez
Cognitive computing insurance
Cognitive computing insurance
Jeremy Dormand
Cognitive computing insurance
Cognitive computing insurance
Vincent Bellamy
Cognitive computing insurance
Cognitive computing insurance
Christine Astovasadourian
Cognitive computing insurance
Cognitive computing insurance
MAUD SPINACE
Ibm Cognitive Computing Insurance
Ibm Cognitive Computing Insurance
Virginia Fernandez
Cognitive Computing in Insurance: Going Beyond Predictive Analytics
Cognitive Computing in Insurance: Going Beyond Predictive Analytics
insurance_thought_leadership
Cognitive computing insurance
Cognitive computing insurance
Edouard RIVOAL
Similaire à Capturing hearts mind and markets
(20)
Digital and Direct Non-Life Insurance in Asia
Digital and Direct Non-Life Insurance in Asia
Finding & engaging today's insurance customer
Finding & engaging today's insurance customer
A change manifesto for the CIO: A business perspective by Hugh Terry
A change manifesto for the CIO: A business perspective by Hugh Terry
IIS China 2014 - The New Insurance engagement Final
IIS China 2014 - The New Insurance engagement Final
Insurance Through the Eyes of the Customer
Insurance Through the Eyes of the Customer
Reinventing Insurance
Reinventing Insurance
Your cognitive future insurances
Your cognitive future insurances
Digital Disruption of Life Insurance
Digital Disruption of Life Insurance
Digital Distribution trends
Digital Distribution trends
2015 Global data valuation survey
2015 Global data valuation survey
Chady US Bank
Chady US Bank
Cognitive computing insurance
Cognitive computing insurance
IBM - Cognitive Computing in Insurance
IBM - Cognitive Computing in Insurance
Cognitive computing insurance
Cognitive computing insurance
Cognitive computing insurance
Cognitive computing insurance
Cognitive computing insurance
Cognitive computing insurance
Cognitive computing insurance
Cognitive computing insurance
Ibm Cognitive Computing Insurance
Ibm Cognitive Computing Insurance
Cognitive Computing in Insurance: Going Beyond Predictive Analytics
Cognitive Computing in Insurance: Going Beyond Predictive Analytics
Cognitive computing insurance
Cognitive computing insurance
Plus de Yann Lecourt
Blockchain singularities
Blockchain singularities
Yann Lecourt
The cognitive advantage
The cognitive advantage
Yann Lecourt
Ibm watson analytics for social media
Ibm watson analytics for social media
Yann Lecourt
Deliver on your innovation goals with ibm bluemix
Deliver on your innovation goals with ibm bluemix
Yann Lecourt
What's new in ibm notes and ibm domino v1
What's new in ibm notes and ibm domino v1
Yann Lecourt
Cognitive business
Cognitive business
Yann Lecourt
Becoming an insight driven organization
Becoming an insight driven organization
Yann Lecourt
Cmo survey - deloitte
Cmo survey - deloitte
Yann Lecourt
Windows shell integration advanced
Windows shell integration advanced
Yann Lecourt
Analytics trends 2016 the next evolution
Analytics trends 2016 the next evolution
Yann Lecourt
Analytics cybersecurity-predictions-2016
Analytics cybersecurity-predictions-2016
Yann Lecourt
Cognitive computing insurance
Cognitive computing insurance
Yann Lecourt
Data science capabilities
Data science capabilities
Yann Lecourt
Ibm energy
Ibm energy
Yann Lecourt
Cyber security framework
Cyber security framework
Yann Lecourt
Plus de Yann Lecourt
(15)
Blockchain singularities
Blockchain singularities
The cognitive advantage
The cognitive advantage
Ibm watson analytics for social media
Ibm watson analytics for social media
Deliver on your innovation goals with ibm bluemix
Deliver on your innovation goals with ibm bluemix
What's new in ibm notes and ibm domino v1
What's new in ibm notes and ibm domino v1
Cognitive business
Cognitive business
Becoming an insight driven organization
Becoming an insight driven organization
Cmo survey - deloitte
Cmo survey - deloitte
Windows shell integration advanced
Windows shell integration advanced
Analytics trends 2016 the next evolution
Analytics trends 2016 the next evolution
Analytics cybersecurity-predictions-2016
Analytics cybersecurity-predictions-2016
Cognitive computing insurance
Cognitive computing insurance
Data science capabilities
Data science capabilities
Ibm energy
Ibm energy
Cyber security framework
Cyber security framework
Dernier
Adobe Marketo Engage Deep Dives: Using Webhooks to Transfer Data
Adobe Marketo Engage Deep Dives: Using Webhooks to Transfer Data
BradBedford3
Introduction to Decentralized Applications (dApps)
Introduction to Decentralized Applications (dApps)
Intelisync
why an Opensea Clone Script might be your perfect match.pdf
why an Opensea Clone Script might be your perfect match.pdf
joe51371421
Advancing Engineering with AI through the Next Generation of Strategic Projec...
Advancing Engineering with AI through the Next Generation of Strategic Projec...
OnePlan Solutions
BATTLEFIELD ORM: TIPS, TACTICS AND STRATEGIES FOR CONQUERING YOUR DATABASE
BATTLEFIELD ORM: TIPS, TACTICS AND STRATEGIES FOR CONQUERING YOUR DATABASE
Ortus Solutions, Corp
Short Story: Unveiling the Reasoning Abilities of Large Language Models by Ke...
Short Story: Unveiling the Reasoning Abilities of Large Language Models by Ke...
kellynguyen01
Optimizing AI for immediate response in Smart CCTV
Optimizing AI for immediate response in Smart CCTV
shikhaohhpro
The Essentials of Digital Experience Monitoring_ A Comprehensive Guide.pdf
The Essentials of Digital Experience Monitoring_ A Comprehensive Guide.pdf
kalichargn70th171
chapter--4-software-project-planning.ppt
chapter--4-software-project-planning.ppt
kotipi9215
Hand gesture recognition PROJECT PPT.pptx
Hand gesture recognition PROJECT PPT.pptx
bodapatigopi8531
Unit 1.1 Excite Part 1, class 9, cbse...
Unit 1.1 Excite Part 1, class 9, cbse...
aditisharan08
5 Signs You Need a Fashion PLM Software.pdf
5 Signs You Need a Fashion PLM Software.pdf
Wave PLM
Alluxio Monthly Webinar | Cloud-Native Model Training on Distributed Data
Alluxio Monthly Webinar | Cloud-Native Model Training on Distributed Data
Alluxio, Inc.
Russian Call Girls in Karol Bagh Aasnvi ➡️ 8264348440 💋📞 Independent Escort S...
Russian Call Girls in Karol Bagh Aasnvi ➡️ 8264348440 💋📞 Independent Escort S...
soniya singh
Salesforce Certified Field Service Consultant
Salesforce Certified Field Service Consultant
AxelRicardoTrocheRiq
TECUNIQUE: Success Stories: IT Service provider
TECUNIQUE: Success Stories: IT Service provider
mohitmore19
EY_Graph Database Powered Sustainability
EY_Graph Database Powered Sustainability
Neo4j
The Ultimate Test Automation Guide_ Best Practices and Tips.pdf
The Ultimate Test Automation Guide_ Best Practices and Tips.pdf
kalichargn70th171
Steps To Getting Up And Running Quickly With MyTimeClock Employee Scheduling ...
Steps To Getting Up And Running Quickly With MyTimeClock Employee Scheduling ...
MyIntelliSource, Inc.
(Genuine) Escort Service Lucknow | Starting ₹,5K To @25k with A/C 🧑🏽❤️🧑🏻 89...
(Genuine) Escort Service Lucknow | Starting ₹,5K To @25k with A/C 🧑🏽❤️🧑🏻 89...
gurkirankumar98700
Dernier
(20)
Adobe Marketo Engage Deep Dives: Using Webhooks to Transfer Data
Adobe Marketo Engage Deep Dives: Using Webhooks to Transfer Data
Introduction to Decentralized Applications (dApps)
Introduction to Decentralized Applications (dApps)
why an Opensea Clone Script might be your perfect match.pdf
why an Opensea Clone Script might be your perfect match.pdf
Advancing Engineering with AI through the Next Generation of Strategic Projec...
Advancing Engineering with AI through the Next Generation of Strategic Projec...
BATTLEFIELD ORM: TIPS, TACTICS AND STRATEGIES FOR CONQUERING YOUR DATABASE
BATTLEFIELD ORM: TIPS, TACTICS AND STRATEGIES FOR CONQUERING YOUR DATABASE
Short Story: Unveiling the Reasoning Abilities of Large Language Models by Ke...
Short Story: Unveiling the Reasoning Abilities of Large Language Models by Ke...
Optimizing AI for immediate response in Smart CCTV
Optimizing AI for immediate response in Smart CCTV
The Essentials of Digital Experience Monitoring_ A Comprehensive Guide.pdf
The Essentials of Digital Experience Monitoring_ A Comprehensive Guide.pdf
chapter--4-software-project-planning.ppt
chapter--4-software-project-planning.ppt
Hand gesture recognition PROJECT PPT.pptx
Hand gesture recognition PROJECT PPT.pptx
Unit 1.1 Excite Part 1, class 9, cbse...
Unit 1.1 Excite Part 1, class 9, cbse...
5 Signs You Need a Fashion PLM Software.pdf
5 Signs You Need a Fashion PLM Software.pdf
Alluxio Monthly Webinar | Cloud-Native Model Training on Distributed Data
Alluxio Monthly Webinar | Cloud-Native Model Training on Distributed Data
Russian Call Girls in Karol Bagh Aasnvi ➡️ 8264348440 💋📞 Independent Escort S...
Russian Call Girls in Karol Bagh Aasnvi ➡️ 8264348440 💋📞 Independent Escort S...
Salesforce Certified Field Service Consultant
Salesforce Certified Field Service Consultant
TECUNIQUE: Success Stories: IT Service provider
TECUNIQUE: Success Stories: IT Service provider
EY_Graph Database Powered Sustainability
EY_Graph Database Powered Sustainability
The Ultimate Test Automation Guide_ Best Practices and Tips.pdf
The Ultimate Test Automation Guide_ Best Practices and Tips.pdf
Steps To Getting Up And Running Quickly With MyTimeClock Employee Scheduling ...
Steps To Getting Up And Running Quickly With MyTimeClock Employee Scheduling ...
(Genuine) Escort Service Lucknow | Starting ₹,5K To @25k with A/C 🧑🏽❤️🧑🏻 89...
(Genuine) Escort Service Lucknow | Starting ₹,5K To @25k with A/C 🧑🏽❤️🧑🏻 89...
Capturing hearts mind and markets
1.
©2015 IBM Corporation1
12 October 2015 Customers increasingly requiring connected insurers Capturing hearts, minds and market share Lee-Han Tjioe Insurance Industry Leader Europe IBM London, October 5, 2015
2.
©2015 IBM Corporation
12 October 20152 We surveyed 12,000 consumers in 24 countries on their insurance relationships, value preferences and switching behavior Source: IBM Institute for Business Value survey data 2014, n=12,210 > 50 years 30-50 years < 30 years Male Female Very high High Average Low Very low Income Age Gender includes the U.K. n=539
3.
©2015 IBM Corporation
12 October 20153 U.K. Insurance clients are looking for providers who take personal care Low trust Source: [1] IBV survey data 2007-2014 “Do you agree with the statement ‘I completely trust the insurance industry’?” [2] IBV survey data 2012, 2013, 2014 „Please state how often you switched your insurance provider in the past two years (3) My needs changed and the previous provider could not meet my new needs 44% Of UK customers do not trust insurers 1 50,5% of UK customers switch insurer at least 1 time in last 2 years 2 High churn 32% of UK customers who switched do this because of lack of personal needs served 3 Lack of personal care
4.
©2015 IBM Corporation4
12 October 2015 Value propositions of P&C Insurers require differentiation on 3 main disciplines “Transparent”- “Provide me with better visibility on my risk coverage, claims situations and ensuring right pricing of my individual risks when I need it via multiple connections” “Share of Mind”- “Provide more relevant content and services to me via multiple connections which help me to reduce my personal risks” “Personal”- “Understand my behavioural preferences and give me tailored propositions, individual advise and pricing for my specific needs” 1 32 Customer Behavior Value Proposition Technological Innovation
5.
©2015 IBM Corporation
12 October 20155 Greater granularity in analytics can help fine-tune communication even further – U.K. customers have a different profile Attitude Cluster Security- oriented individualist Demanding support- seeker Loyal quality- seeker Price- oriented minimalist Support- seeking skeptic Informed optimizer % of total 16% 16% 18% 16% 19% 15% % U.K. 24% 6% 10% 30% 8% 22% Key theme "I know what I want and organize myself" "I need personal advice" "I trust my insurer and remain a loyal customer" "I do not like insurers – make it cheap and stay away" "I need advice but prefer to keep my distance from insurers" "I take time to research to find the best" Analytics show how insurers should communicate Source: IBV survey data 2014. Top n=12,210; U.K. n=539 Bottom U.K. n=408. Q: Please select the three channels most important to you when searching for INFORMATION about your insurance coverage. website insurer aggregator telephone indpt agents peers Security-oriented individualist Price-oriented minimalist Informed optimizer Customer Behavior
6.
©2015 IBM Corporation
12 October 20156 6 It USES ALL DATA by surfacing up to the second structured and unstructured data collected across INSURER and public It is REAL TIME providing next best action guidance to customers and associates while they are on phone or in web It is VIRTUAL in that data is aggregated on demand vs. relying on a centralized warehouse It is also BATCH leveraging massive amounts of structured and unstructured data to produce insight across the business It LEARNS AND REASONS the next best action by leveraging sense making, cognitive computing, and big data technology It uses NATURAL LANGUAGE DIALOGUE in customer interactions via web, phone, associate It is SELF SERVICE by providing analysts and others across the business a rich data discovery platform customer analytics Customer Transforming from Intuition to Cognitive Insight and “Watson” like Guidance to ensure the best possible outcome for each customer and each customer interaction Leading insurers adapt COGNITIVE CUSTOMER INTERACTION SYSTEMS to transform into customer centric servicing COGNITIVE 4 Customer Behavior
7.
©2015 IBM Corporation
12 October 20157 Value is more than just price. Perception of value matters Value Proposition Customers don‘t see price in absolute terms, but as a matter of fairness Price consciousness per se has no immediate effect on loyalty.... Loyalty Index medium high Price consciousness medium high Quality consciousness 3,4 3,6 3,8 4 4,2 4,4 ...too high ... fair ... too low Do you think the premium of your insurance is… global U.K. Source IBV survey data 2014, global n=12,210, U.K. n=539 Loyalty Index ... perceived quality does
8.
©2015 IBM Corporation
12 October 20158 Insurers brand matters less than expected – for the insurance customer of the future, direct and individual engagement is more important 20% 68% 12% of sample low medium high Brand consciousness Loyalty Index medium high Only very high brand consciousness increases loyalty1 Brand Enthusiasts High propensity for individual recognition and two- way engagement. 51% Millennials 25% of total disposable income The customer of the future tends toward a new view of brand2 Source: [1] IBV survey data 2014, n=12,210, U.K. n=539 [2] „Brand enthusiasm: More than loyalty“. IBV. Nov 2014. [3] „Digital reinvention: Trust, transparency and technology in the insurance world of tomorrow“. IBV Jan 2014 The insurance customer of the future3 … is less concerned about price alone … wants to interact with others when shopping for insurance ... is omni-channel … is looking for advice … is open to new products and ideas 20% 71% 9% of sample Value Proposition
9.
©2015 IBM Corporation
12 October 20159 Customers can accept product complexity, as long as they are enabled to understand how it works. There is little discernible effect of product complexity on loyalty… ... it is transparency about the product that counts “We need to “de-mystify” the world of insurance through increased transparency and reduced complexity.” CEO, All-lines insurer, Singapore Loyalty Index medium high low medium high Product knowledge 42% 44% Percentage of customers who are highly loyal when they feel… … their insurance is not complex … their insurance is highly complex Source IBV survey data 2014, n=12,210 Technological Innovation
10.
©2015 IBM Corporation
12 October 201510 The Internet of Things will be an important playing field for insurers – the millennial customer will expect it Do you own or can you imagine owning devices that connect to the Internet on their own? (E.g. refrigerator, washing machine etc.)1 I would be comfortable with my insurer using the data from these devices If my insurer used the data from these devices, this would improve my loyalty 36% 56% Millennials Gen X Boomers 50% Source IBV survey data 2014, n=12,210; U.K. n=539 [1] Answer “yes” 21% 19% 15% 44% 41% 35% 36% 40% 50% Millennials GenX Boomers agree neutral disagree 21% 19% 14% 45% 42% 38% 34% 39% 49% Millennials GenX Boomers agree neutral disagree U.K. 48% U.K. 43% U.K. 31% Technological Innovation
11.
©2015 IBM Corporation
12 October 201511 INTERCONNECTED INSTRUMENTEDINTELLIGENCE 3 Ecosystems to Co-create Deliver Customised Insights based on Deep Customer Analytics Orchestrate a broad set of services around an integrated set of customer needs Offer a real-time monitoring proposition on key risk objects eCall4All
12.
©2015 IBM Corporation
12 October 201512 New business models are needed to address shifting insurance market requirements Seamless and automated interaction with clients, third party providers and other insurers From static data to behavioural and environmental dynamic data Drastically reduce complexity in supporting processes and IT to become more Agile at lower cost From: To: Access Integration Legacy Admin Networked Data rich Less is More
13.
©2015 IBM Corporation
Télécharger maintenant