 | • レポートコード：D0MOR-NV254 • 出版社/出版日：Mordor Intelligence / 2020年8月 • レポート形態：英文、PDF、125ページ • 納品方法：Eメール（受注後2-3営業日） • 産業分類：電子 |
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レポート概要
| 本調査レポートでは、デジタル保険プラットフォームの世界市場について調査し、イントロダクション、調査手法、エグゼクティブサマリー、市場動向、展開方式別（クラウド、オンプレミス）分析、組織規模別（中小企業、大企業）分析、用途別（自動車・輸送、住宅・商業ビル、生命・医療、ビジネス・企業、家電・産業機械）分析、地域別分析、競争状況、投資分析、市場機会・将来動向などを整理しました。 ・イントロダクション ・調査手法 ・エグゼクティブサマリー ・市場動向 ・デジタル保険プラットフォームの世界市場規模：展開方式別（クラウド、オンプレミス） ・デジタル保険プラットフォームの世界市場規模：組織規模別（中小企業、大企業） ・デジタル保険プラットフォームの世界市場規模：用途別（自動車・輸送、住宅・商業ビル、生命・医療、ビジネス・企業、家電・産業機械） ・デジタル保険プラットフォームの世界市場規模：地域別 ・競争状況 ・投資分析 ・市場機会・将来動向 |
The Digital Insurance Platform Market is expected to register a CAGR of over 12.5% during the forecast period (20202025). The global insurance industry has been witnessing a significant shift towards the adoption of digital technologies. According to a recent Willis Towers Watson report, 74% of insurance executives, identify reluctance within the industry to adopt new digital technologies.
Customer loyalty and satisfaction have become a primary concern for insurance companies. Artificial intelligence (AI) and its related technologies are expected to significantly impact all aspects of the insurance value chain, from distribution to underwriting and pricing to claims management.
This may result in policies being priced, purchased, and bound in near realtime. Through these, insurers have been able to smartly connect information and quickly deliver innovative products and services, which in the end, will significantly improve customer loyalty and satisfaction.
For example, New Yorkbased insurance startup Lemonade is using AI and a robust digital platform to improve processes and applying behavioral economics to reduce fraud. At the same time, it offers a unique claims experience to its customers. Specifically, Lemonade organizes peer groups supporting charitable causes, charges upfront fees, and gives back unused premiums at the end of the year to charities personally selected by each peer group.
With the outbreak of Coronavirus, insurers are coming up with new COVIDspecific products to help customers have a health cover specifically to Coronavirus. For instance, for motor, a few insurance companies have come up with a concept of pay as you drive insurance products. Even though most operations are done remotely, digital transformation to provide instant customer support is on high priority, where AIbased text and voice bots are becoming a part of trends.
Insurers have increased their communication with customers and shown a commendable degree of proactive customerdriven support. There have been examples in numerous countries of insurers offering rebates on motor insurance given decreased levels of driving. In Australia, as well as some other countries, private health insurers have been offering premium holidays and other benefits given that customers can’t draw on their products, which cover them for elective surgery and ancillary services like dental care. Meanwhile, in the UK, some insurers have offered free motor cover and enhanced home cover for National Health Service (NHS) workers and extended business cover to provide coverage for employees working from home.
With COVID19 impacting every facet of personal life and business, digitization has become a new source for the world to adjust to the new normal. This is especially apparent in insurance, where insurers can tap on digital channels for distribution and create awareness.
[Key Market Trends]
Cloud to Witness Highest Growth
Cloud computing has been experiencing tremendous growth recently and is increasingly being adopted by insurers. Looking at its immense potential, insurers consider building a strategy around cloud technology to keep competitors at bay.
Cloudbased insurance solutions can offer better social listening and higher conversion rates from opportunity to sale through targeted campaign management and improved opportunity and lead engagement models. This could result in higher upsell, crosssell, and retention rates. Cloud can also enhance the claims experience by providing better service and better communication with end customers. This ability of the cloud is augmenting the growth of the cloudbased digital insurance platform market.
Further, to take advantage of the benefits of the cloudbased platform, many insurers are introducing cloudbased solutions, while a few of them are updating features in the existing cloudbased digital insurance platforms. For instance, In June 2020, Sapiens International Corporation, a provider of software solutions for the insurance industry, announced upgraadation of the general availability of its Sapiens DigitalSuite for property & casualty (P&C) and life, pension & annuity providers worldwide. Sapiens DigitalSuite v3.1, a cloudbased, lowcode, dynamic digital insurance platform, now features advanced portal content for agents and consumers.
In September 2019, Salesforce announced new insurancefocused enhancements to Financial Services Cloud that enable insurers to build stronger, more personalized relationships with policyholders. As an extension to Financial Services Cloud, insurers now have a unified, 360degree view of their policyholders–including household relationships, life events, coverage, and claims–across all business lines.
[AsiaPacific to Witness Highest Growth]
AsiaPacific region is expected to witness the highest CAGR during the forecast period. The region is anticipated to be a moneyspinning market for digital insurance platform providers during the forecast period, considering the untapped opportunities and the increasing commercial investment in different industry verticals in the region.
The high population of the region and increasing investments in businesses is anticipated to cater to a significant number of premiums, which would drive multinational companies to emphasize exploring the APAC market by partnering with local companies, channel partners, and technology partners.
By 2029, AsiaPacific is estimated to account for 42% of global insurance premiums, with China’s share forecasted to be 20%, according to Swiss Re. That country is on course to become the largest insurance market by the mid2030s. According to a report by Bain & Company, consumers in AsiaPacific’s developing markets are significantly underinsured, with one measure of insurance penetration, gross written premiums as a percentage of percapita GDP, signaling a significant amount of unmet demand in Asia Pacific’s developing markets where penetration is less than 5% in India, mainland China, Indonesia, and Malaysia.
The insurance distribution landscape is gradually evolving. In developing countries in the Asia Pacific region, such as India, Malaysia, China, and Indonesia, digital channels are becoming more prominent. In many AsiaPacific jurisdictions, consumers are open to having insurers provide ecosystem services. These digital insurance ecosystems are interconnected players forming sets of products and services that allow users to fulfill a variety of needs in one integrated experience. This is expected to augment the demand for a digital insurance platform.
Moreover, the growing adoption of the cloud and mobile technologies by large diversified populations and the rapid rise in the number of InsureTech companies has led to the timely implementation of digital insurance platforms in the APAC countries, such as Japan, China, and Australia.
[Competitive Landscape]
The digital insurance platform market comprises several global and regional players, vying for attention in a fairlycontested market space. Although the market studied poses moderately high entry barriers for new players, several new entrants have been able to gain traction in the market. The market is also witnessing increased competition among the players. The players focus on engaging themselves in several partnerships, mergers, acquisitions, and product innovations to gain a competitive advantage.
May 2020 eBaoTech Corporation announced the availability of eBaoCloud InsureMO in the Microsoft Azure Marketplace, an online store that provides applications and services for Azure.
November 2019 Allianz SE and Microsoft Corp. announced a strategic partnership focused on digitally transforming the insurance industry, making the insurance process easier while creating a better experience for insurance companies and their customers. Through the strategic partnership, Allianz will move core pieces of its global insurance platform, Allianz Business System (ABS), to Microsoft’s Azure cloud and opensource parts of the solution’s core to improve and expand capabilities.
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レポート目次1 INTRODUCTION
1.1 Study Assumptions and Market Definition
1.2 Scope of the Study
2 RESEARCH METHODOLOGY
3 EXECUTIVE SUMMARY
4 MARKET DYNAMICS
4.1 Market Overview
4.2 Market Drivers
4.2.1 Increasing Shift of Insurance Companies From Product Based to Customer-centric Strategies
4.2.2 Increased Awareness Among Insurers About Digital Channels
4.3 Market Restraints
4.3.1 Difficulty Regarding Integration of Insurance Platform with Legacy Systems
4.4 Porters Five Force Analysis
4.4.1 Threat of New Entrants
4.4.2 Bargaining Power of Consumers
4.4.3 Bargaining Power of Suppliers
4.4.4 Threat of Substitute Products
4.4.5 Intensity of Competitive Rivalry
5 MARKET SEGMENTATION
5.1 By Deployment
5.1.1 Cloud
5.1.2 On-premise
5.2 By Organization Size
5.2.1 Large Enterprises
5.2.2 Small & Medium Enterprises
5.3 By Application
5.3.1 Automotive and Transportation
5.3.2 Home & Commercial Buildings
5.3.3 Life & Health
5.3.4 Business & Enterprise
5.3.5 Consumer Electronics & Indsutrial Machines
5.3.6 Travel
5.4 Geography
5.4.1 North America
5.4.1.1 United States
5.4.1.2 Canada
5.4.2 Europe
5.4.2.1 United Kingdom
5.4.2.2 Germany
5.4.2.3 France
5.4.2.4 Rest of Europe
5.4.3 Asia Pacific
5.4.3.1 China
5.4.3.2 Japan
5.4.3.3 Australia
5.4.3.4 Rest of Asia-Pacific
5.4.4 Latin America
5.4.5 Middle-East & Africa
6 COMPETITIVE LANDSCAPE
6.1 Company Profiles
6.1.1 IBM Corporation
6.1.2 Microsoft Corporation
6.1.3 Oracle Corporation
6.1.4 Pegasystems Inc.
6.1.5 Appian Corporation
6.1.6 Mindtree Ltd.
6.1.7 DXC Technology Company
6.1.8 Prima Solutions SA
6.1.9 Majesco
6.1.10 EIS Software Limited
7 INVESTMENT ANALYSIS
8 MARKET OPPORTUNITIES AND FUTURE TRENDS