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Robert Witteveen Presentatie symposium Delft Data Science met thema: data science in de financiële wereld. Welke belangrijke drivers voor verandering herkennen wij nu en hoe kan de verzekeringswereld big data inzetten als oplossing.
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THE INSURANCE BUSINESS IN TRANSITION
“ Continuous change is the only
constant factor in our society”
Specialismen:
- Trendwatching- Strategic marketing- Business development and innovation- Omni-channel distribution- Customer Centric en customer journey's- New (disruptive) business models (Business Model Generation)- Blue Ocean Strategy
Agenda
3
1. Changing eras and the obviousness
2. Drivers for change
3. Best practises
4. Examples
# DDSbigdata
@RobertWitteveen
We do not live in an era of change,
but we are changing the eras
The end of the obviousness
5
The new obviousness
6
Divers for change: - Internet of things- Quantified self- Humanoid robotics- Data analytics
Data will change the business models:- Data represents value- Sharing data- Privacy re-invented
Best practise and bad examples
9
Bad examples:
– Equens (2013)
• Selling 2.2 billon bank transactions
– ING (2014)
• Selling bank transactions for specific
customer offers
Best practise and bad examples
10
Best practise:
– Santam (South Africa)
• Predictive analitics for streamlining process
• Signaling fraud
– Progressive (US)
• Pay as you drive
• Pay how you drive
• Real time price models
– SNS Bank (Netherlands)
• Predictive analitics on payment accounts
• In combination with public data (Funda)
+
Example (I): burglary prevention
11
• All insurance company’s
• Internal burglary data
• CVS
• …
• Weather
• Traffic
• Events
• …
Prevention:
- Targeted police attention
- Better resources
Results:
- Less police deployment
- Less social agitation
- Lower insurance premium
- Lower insurance payment
+
Example (II): climate change
12
• All insurance company’s
• Internal overflow data
• CVS
• …
• Forecast KNMI
• Weather
• Infrastructure
• …
Prevention:
- Better gutters
- Better drainage
- …
Results:
- Less water damage
- Better human feeling
- Lower insurance premium
- Lower insurance payment
THXS!
@RobertWitteveen
nl.linkedin.com/in/robert01/
+31 – 622 41 9579