In recent years, the process of global insurance digitalization is accelerating, and the application of technology in the insurance industry is increasingly extensive and in-depth. In the face of emerging technologies, how should insurance companies use insurance technology to improve operational efficiency, promote high-quality development of product quality and service, and meet new challenges in the next decade? This issue of Sina Finance's Ten Years of Insurance Technology talks with Hao Xiaobo, General Manager of Insurance Information Technology Center.
"For the development of AIGC, there is no need to be particularly anxious at present. At present, AIGC has problems such as high cost, weak logic and reasoning ability, and lack of facts and concepts, which limit its ability to solve large-scale systematic problems." Hao Xiaobo said that in the business field, it is difficult to carry out specialized fine-tuning training for large models, That is to say, to make the current large model meet the requirements of specific business scenarios, it is technically complex, expensive and unreliable. Human beings have obvious advantages in these aspects so far.
When talking about the future development trend of insurance technology, Hao Xiaobo said that there are several changes in the future digital life. First, customers have more and more information rights and more choices; Second, the degree of privatization of digital terminals is getting higher and higher; Third, insurance companies will have a stronger understanding of the macro market and micro customers.
He pointed out that based on these three trends, we can deduce the development direction of the future insurance business model. "In the future, the insurance business will inevitably shift from simple standardized products and services to multi product and multi service combinations, or even cross company and cross industry product and service integration, that is, 'ecological'. At the same time, actuarial and financial management oriented to a single product will also inevitably shift to value management oriented to the whole life cycle of customers."
Mobile networking and big data have a profound impact on the insurance industry
In the past ten years, the insurance industry has applied science and technology in an all-round way, with in-depth applications in all aspects, and has also promoted the development of these technologies. In Hao Xiaobo's view, there are two technologies that have the most far-reaching impact and can be called the driving force for industry reform: the first is mobile Internet, and various technologies derived from it; The second is big data related technology.
Specifically, mobile Internet technology has given people the ability to access information at any time and anywhere, which has expanded the power of users unprecedentedly, thus driving the transformation of insurance business from the seller's market to the buyer's market, and also making more products that meet the interests of customers appear. At the same time, mobile terminals have also changed the way users use information and the way business companies interact with users, enabling insurance companies to better understand customers.
The development of big data technology helps insurance companies to further explore the information contained in the data. Data technology has progressed from macro statistics to micro customer characterization, making insurance products personalized and scenario oriented, and achieving customer differentiated services.
"In the past, the ability to understand data was mostly based on statistical analysis, and the results were universal macro laws. The classification of customers was also quite simple and rough, which was nothing more than gender, occupation, age, etc. Correspondingly, the homogeneity of insurance products was also strong."
Hao Xiaobo pointed out that with the help of machines, insurance companies have a more detailed understanding of customers and more accurate pricing capabilities on the product side. With the help of machines, insurance companies can provide more customized services on the client side. Taking Dajia Insurance as an example, under the new information technology conditions, Dajia Insurance continues to promote and improve its informatization capability, and realizes intelligence through informatization and online, constantly tamping the bottom layer of digital capability to support the realization of the company's strategic objectives.
Don't worry too much about the rapid development of AIGC
At present, digital technologies such as artificial intelligence are stepping into the fast development channel, and the insurance industry is also accelerating the layout of AI, big data and other fields, making efforts to build digital "new infrastructure". At the same time, however, many people also believe that the rapid development of AI will increase the pressure of employment competition in the future.
In this regard, Hao Xiaobo said that it is understandable that the historic appearance of "strong AI" made people exclaim and even cause anxiety. But for the current AIGC development, there is no special necessary anxiety.
"At present, AIGC still has some problems, such as high cost, weak logical reasoning, and lack of facts and concepts, which limit its ability to solve large-scale systematic problems.". He pointed out that in the commercial field, it is difficult to train the specialization and fine-tuning of large models, that is, to make the current large models meet the requirements of specific business scenarios, which is technically complex, expensive and unreliable. Therefore, human beings have obvious advantages in these aspects so far.
In Hao Xiaobo's opinion, for insurance companies, the application of big data technology should not be suspended because of anxiety, nor should they abandon the application learning and research of big models because of their immaturity. "Various technologies in the field of data intelligence will be developed in the next era drive 。 We will actively promote the research, development and application of AIGC technology in the company, and constantly create new opportunities and competitive advantages. "
For individuals, as long as they maintain their learning ability, adapt quickly, learn to use AIGC tools to improve work efficiency, continue to play our intelligence, work creatively, and provide better business services for people, they can maintain their unique value.
Introducing privacy algorithm can effectively protect customer data
The application of insurance technology needs to collect and process a large amount of customer data. However, due to the late development of the insurance industry in protecting customer information, there are still many problems in the actual process of business development, including but not limited to the lack of clarity of technical standards and judicial standards for information protection, and the implementation of information protection is too dependent on the unilateral implementation of insurance companies.
In response to these problems, Hao Xiaobo believes that, in the next step, insurance companies should consider introducing privacy algorithms, such as asymmetric encryption, data signature and other algorithms, to achieve targeted authorization of user sensitive information on the physical level. "This not only depends on the technical management of the insurance company, but also uses algorithms to ensure that no one, including the insurance company, can decrypt these sensitive data without the user providing authorization with a private certificate."
He said that the introduction of these technologies to achieve 100% secure user sensitive information protection could be achieved in technical principle, but it would require large-scale transformation of the original various systems, and the investment would also be huge. The insurance industry can adopt a step-by-step approach, first transform the e-commerce and service platform, salesperson assistant and other systems for face-to-face customers, and formulate relevant technical specifications to guide the customer data security design of the new system.
When talking about the development trend of insurance technology in the next decade, Hao Xiaobo believes that there are three main trends in the future digital life: first, customers have more and more information rights and more choices; Second, the degree of privatization of digital terminals is getting higher and higher; Third, insurance companies will have a stronger understanding of the macro market and micro customers.
At the same time, driven by these three trends, we can deduce the development direction of the insurance business model, which is customized customer programs and diversified product services. Insurance business will inevitably change from simple standardized products and services to multi product and multi service combination, and even cross company and cross industry product and service integration, that is, "ecological".
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Editor in charge: Wang Jinhe
