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Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology
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Insurance 2.0 : The Way Forward - Rationale, Strategy, Methodology

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What's Insurance 2.0? Why Insurers need to embark on it? What to do and how to implement Insurance 2.0? These are the common questions with Insurers these days. …

What's Insurance 2.0? Why Insurers need to embark on it? What to do and how to implement Insurance 2.0? These are the common questions with Insurers these days.

In this presentation, Don shared the rationale, the strategy and the methodology on why, what and how Insurers are to move forward with Insurance 2.0.

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  • Malaysia FB = 11.3mil, LinkedIn = 500k, Twitter
  • Transcript

    • 1. 21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      INSURANCE 2.0The Way Forward
      Insurance 2.0 :
      The Rationale and The Strategy
      By Don Tan, Senior VP
      Business Consultancy
    • 2. Insurance 2.0 : The Way Forward
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 2
    • 3. WHY Insurance 2.0 :The rationale
      Private & Confidential | Copyright 2011 @ 121advisor
      21 July 2011
    • 4. Web 2.0Evolving Role of Internet & World Wide Web
      • Mass Authoring
      • 5. User = Power
      Web 2.0
      Social
      Personal
      e.g. Microblogging - Facebook - Tweets … …
      Transactional
      e.g. Personalized Sites - Feeds - Blogs … …
      INTERNET
      Interactive
      e.g. E-Commerce - Online Shopping - E-payment … …
      e.g. Chat - Messaging - Forms - Games - Flash … …
      Informational
      e.g. Corporate Websites, Product Info Downloads, Banners … …
      Web 1.0
      • One Way
      • 6. Owner = Power
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 4
    • 7. INSURANCE 2.0
      Insurance 2.0Evolving Role of Internet / Web for Insurance & Takaful
      Web 2.0
      Social
      Personal
      e.g. Social Network Marketing
      Friend’s Review & Feedback,
      Expert / Blogger’s Advice … …
      Transactional
      e.g. Simulators - Need Analysis - Product Advisory - Self-Service Process … …
      INTERNET
      Interactive
      e.g. E-Cover Note - E-Proposal - Online Sales … …
      e.g. Online Quotes - Games - Contests - Request Submission … …
      Informational
      e.g. Corporate Websites - Product Catalogue - Downloads … …
      Web 1.0
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 5
    • 8. WHY Insurance 2.0WHY Insurers should embark on Insurance 2.0
      Consumers
      • Internet-savvy generation’s Preference for Self Serviceability
      • 9. Gen-Y fancy on Internet, Social Network & Mobility
      • 10. Trend & Choice of Communication / Information channel
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 6
      Watch “Social Media in Plain English” Video at
      http://vimeo.com/groups/23930/videos/11551721
    • 11. WHY Insurance 2.0Where Consumers Are : Social Web !
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 7
      11.3 mil Malaysians
      Members
      > 3 billion views per day
      (average person spent
      15 min a day on YouTube)
      726 million
      200 million
      > 200 million Blogs
      119 million
      3.7 million articles
      15 million Wikipedians
      24.5 million pages
    • 12. WHY Insurance 2.0How Consumers prefer to Interact : Where They Are !
      If insurers are serious about getting closer to their customers, they should forego conventional “channel” strategy development and instead focus on quality interactions.Based on input from more than 21,000 consumers in 20 countries, we believe insurers need to create an interaction mix that appeals to their particular target audiences. To find out what matters, insurers need to take a different approach to segmenting their customers – one based on psychographicsnot demographics.
      December 2010
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 8
      IBM Institute of Business Value
    • 13. WHY Insurance 2.0How Consumers Evaluate Your Brand : Social Web !
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 9
      the most credible spokesperson a company can have is a "person like me”… the share of people who trust “a person like me” more than they trust brands or organizations is increasing globally…
      Brand?
      Product?
      Service?
      global survey 2010

      agent
      bank
    • 14. WHY Insurance 2.0What Consumers Expect to have : Rich Experience and Fun !
      Games
      Simulator
      Advisors
      Characters
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 10
    • 15. WHY Insurance 2.0Where Consumers Prefer to Shop Next : Online !
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 11
      Growing Trends
    • 16. WHY Insurance 2.0How Consumers Talks about You : You can’t Control !
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 12
      If you worry about losing control in the age of social media, stop. It has already happened — you no longer control the majority of the information that people hear or trust about your brand.
    • 17. WHY Insurance 2.0WHY Insurers should embark on Insurance 2.0
      Consumers
      Channels
      • Internet-savvy generation’s Preference for Self Serviceability
      • 18. Gen-Y fancy on Internet, Social Network & Mobility
      • 19. Trend & Choice of Communication / Information channel
      • 20. Lower Distribution Cost, More Competitive Pricing
      • 21. Lower Cost for Marketing, Larger Pool of Leads / Market
      • 22. Lead generation of younger prospects for Agency force
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 13
    • 23. WHY Insurance 2.0Web Channel : More Competitive Pricing
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 14
      Australia: Online Aggregators Threaten Insurers’ Premium Revenue
      An estimated A$1.8 billion (US$1.97 billion) of commercial and personal insurance premiums are at risk for Australia’s largest insurers from so-called “contestable platforms”, technology that allows brokers and customers to compare prices of products online
    • 24. WHY Insurance 2.0Marketing 2.0 : Social Network Marketing
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 15
      Watch “Social Media in Plain English” Video at
      www.youtube.com/watch?v=MpIOClX1jPE
      8095 survey 2010
      Millennials taking action on behalf of Brands
      • 57% Millennials would volunteer to try new products from a preferred brand and most would post an online review of the experience
      • 30. 68% have recommended their products to friends & family and 44 % have friended/followed that brand on their social network
    • WHY Insurance 2.0Recruitment 2.0 : Hiring via Social Media
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 16
      In a recent survey of 500 companies, the University of Massachusetts Dartmouth found that 53 percent of them use social media in their hiring processes. These connections start when a candidate mentions a brand or expresses desire in working for a company. In addition to be tech-savvy, these candidates tend to have done their homework: they know more about the company, and are more engaged with the company brand than candidates sourced through more traditional channels.
    • 31. WHY Insurance 2.0WHY Insurers should embark on Insurance 2.0
      Consumers
      Channels
      Competitions
      • Internet-savvy generation’s Preference for Self Serviceability
      • 32. Gen-Y fancy on Internet, Social Network & Mobility
      • 33. Trend & Choice of Communication / Information channel
      • 34. Lower Distribution Cost, More Competitive Pricing
      • 35. Lower Cost for Marketing, Larger Pool of Leads / Market
      • 36. Lead generation of younger prospects for Agency force
      • 37. Competitor’s entry to the Insurance 2.0 space
      • 38. Customer retention against Competitors and New Players
      • 39. Stay Relevant and position in Market place
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 17
    • 40. WHY Insurance 2.0Taking Lead and Stay Ahead !
      5
      6k
      2
      167k
      59k
      4
      1
      157k
      3
      3.0m
      Updated May.2011
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 18
    • 41. WHY Insurance 2.0Taking Lead and Stay Ahead !
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 19
      3 millions listeners!
    • 42. WHAT TO Insurance 2.0 :the strategy
      Trends
      Private & Confidential | Copyright 2011 @ 121advisor
      21 July 2011
    • 43. Insurance 2.0Evolving Role of Internet / Web for Insurance & Takaful
      INSURANCE 2.0
      Feedback Management
      Social
      Personal
      e.g. Social Network Marketing - Feedback / Reviews - Online Advisor … …
      Customer Service & Retention
      Transactional
      e.g. Simulators - Need Analysis - Product Advisory - Self-Service Process … …
      Commodity Sales
      (also Complex Products later)
      INTERNET
      Interactive
      e.g. E-Cover Note - E-Proposal - Online Sales … …
      Marketing &
      Lead Generation
      e.g. Online Quotes - Games - Contests - Request Submission … …
      Informational
      Information Delivery
      e.g. Corporate Websites - Product Catalogue - Downloads … …
      Web 1.0
      Source : Evolving Insurance Channel Roles – 2009 & Beyond, GARTNER
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 21
    • 44. Insurance 2.0 StrategyCommon Dilemma of Insurance Companies
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 22
    • 45. Online Consumer Life CycleManaging Consumer Experience Effectively with CEM 2.0
      targets / leads
      aggressors
      advocates
      ATTRACT
      USE
      e-commerce
      suspects
      internet sales
      online sales
      customers
      e-business
      EXPERIENCE
      OWN
      opportunities
      prospects
      INVOLVE
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 23
    • 46. Consumer Experience Management 2.0Connecting Conversation to Conversion
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 24
    • 47. Consumer Experience Management 2.0Applying the Right Web 2.0 Value to the Right Audience
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 25
      Contest
      Microsite
      Games
      Reminders
      Point-of-Sales
      Simulators
    • 48. Insurance 2.0 : A Webassurance ChannelComplementary and Supplementary to all Channels
      AGENCIES
      WEBASSURANCE
      BANCA
      TELEMKTG
      CYBER AGENTS
      PARTNERS
      BRANCHES
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 26
    • 49. Insurance 2.0 : A Webassurance ChannelWhat Can be Done ?
      • Social Network Marketing
      • 50. Internet Campaigns
      • 51. Online Advertisements
      • 52. Self Services
      • 53. Online Support
      • 54. Feedback Management
      • 55. Web 2.0 Presence
      • 56. Social Community
      • 57. Information Delivery
      Contact
      Connect
      Contain
      Converse
      Convert
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 27
    • 63. HOW TO INSURANCE 2.0THE METHODOLOGY
      Private & Confidential | Copyright 2011 @ 121advisor
      21 July 2011
    • 64. Insurance 2.0 StrategyKey Success Factors
      Marketing & Attractions
      Online Experience
      Self Serviceability
      Integrated Process
      Multi-Channel Integration
      Strategic Business Plans
      Value & Unique Propositions
      Agile & Creative
      • Easy, Fast & Stable
      • 65. Attractive Presentation
      • 66. Concise & Updated Content
      • 67. Personalized
      • 68. Clear Strategy
      • 69. S.M.A.R.T Objectives
      • 70. Feasible Model
      • 71. Pricing & Rewards
      • 72. Relevant Values
      • 73. Unique & Special Features / Fun
      • 74. Effective Attractions
      • 75. Efficient Communication
      • 76. Unique Branding
      • 77. Simple & Minimal Steps
      • 78. Guided & Online Help / Response
      • 79. Private & Secured
      • 80. Connected End-to-End Process
      • 81. Straight Through & Seamless Flow
      • 82. Authentication & Security
      • 83. Channel Conflict Managed
      • 84. Cross-Channel Collaboration
      • 85. Tracking & Monitoring
      • 86. Agile Development
      • 87. Experience-focus Design
      • 88. Customer-oriented Support
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 29
    • 89. Webassurance Strategy ConsultancyOperationalize Webassurance as Your Insurance 2.0 Channel
      Strategize
      To analyze and assess Insurer’s Go-To-Market conditions, Sales and Offerings positions, and Implementation capabilities for Webassurance
      Analyze
      To define Market Strategy and Offerings Strategy, perform Impact Analysis, prioritize and propose an effective, realistic and long term Webassurance Strategy Plan for Insurer
      Organize
      To plan and propose the Detailed Implementation Action Plan in phases, and mobilize the Resources for the Implementation of Webassurance for Insurer upon approval
      Realize
      To execute the Detailed Implementation Action Plan to bring Webassurance live for Insurer
      Improvise
      To perform Post Implementation Reviews at the end of each phase or key milestones, assess the achievements, recommend, and fine tune the Implementation Strategy and/or Action Plan where required, continuously
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 30
    • 90. Webassurance Strategy ConsultancyOperationalize Webassurance as Your Insurance 2.0 Channel
      Strategize
      To analyze and assess Insurer’s Go-To-Market conditions, Sales and Offerings positions, and Implementation capabilities for Webassurance
      To define Market Strategy and Offerings Strategy, perform Impact Analysis, prioritize and propose an effective, realistic and long term Webassurance Strategy Plan for Insurer
      Analyze
      To define Market Strategy and Offerings Strategy, perform Impact Analysis, prioritize and propose an effective, realistic and long term Webassurance Strategy Plan for Insurer
      To assess the Strategy defined, perform Impact Analysis, prioritize and propose an effective, realistic and long term Webassurance roadmap
      Organize
      To plan and propose the Detailed Implementation Action Plan in phases, and mobilize the Resources for the Implementation of Webassurance for Insurer upon approval
      To plan and propose the Detailed Implementation Action Plan in phases, and mobilize the Resources for the Implementation of Webassurance for Insurer upon approval
      Realize
      To execute the Detailed Implementation Action Plan to bring Webassurance live for Insurer
      To execute the Detailed Implementation Action Plan to bring Webassurance live for Insurer
      Improvise
      To perform Post Implementation Reviews at the end of each phase or key milestones, assess the achievements, recommend, and fine tune the Implementation Strategy and/or Action Plan where required, continuously
      To perform Post Implementation Reviews at the end of each phase or key milestones, assess the achievements, recommend, and fine tune the Implementation Strategy and/or Action Plan where required, continuously
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 31
    • 91. Webassurance Strategy ConsultancyHOW to implement Insurance 2.0 effectively
      Strategize
      To brainstorm, validate and define strategy on Business model, Channel and Marketing, and Product and Service Offerings for Webassurance
      Analyze
      Includes:
      • Business Objectives
      • 92. Business Models
      • 93. Approaches / Tactics
      Business Strategy
      Organize
      Realize
      Marketing Strategy
      OfferingsStrategy
      Improvise
      Includes:
      • Marketing Strategy
      • 94. Web Channel Framework
      • 95. Operational Plan
      Includes:
      • Product Strategy
      • 96. Online Product Framework
      • 97. Services / Product Tools
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 32
    • 98. Webassurance Strategy ConsultancyHOW to implement Insurance 2.0 effectively
      Strategize
      Analyze
      To assess the Strategy defined, perform Impact Analysis, prioritize and propose an effective, realistic and long term Webassurance roadmap
      Organize
      Assess
      Prioritize
      Propose
      Decide
      Realize
      Costs-Values-Analysis
      Improvise
      GO
      Values / Returns
      No-GO
      Costs / Risks
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 33
    • 99. Webassurance Strategy ConsultancyHOW to implement Insurance 2.0 effectively
      Strategize
      Analyze
      Organize
      To plan and propose the Detailed Implementation Action Plan in phases, and mobilize the Resources for the Implementation of Webassurance for Insurer upon approval
      Realize
      Improvise
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 34
    • 100. Webassurance Strategy ConsultancyHOW to implement Insurance 2.0 effectively
      Strategize
      Analyze
      Organize
      Realize
      To execute the Detailed Implementation Action Plan to bring Webassurance live for Insurer
      Improvise
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 35
    • 101. Webassurance Strategy ConsultancyHOW to implement Insurance 2.0 effectively
      Strategize
      Analyze
      Monitor
      Manage
      Organize
      OPERATIONAL
      Realize
      Revise
      Review
      Improvise
      To perform Post Implementation Reviews at the end of each phase or key milestones, assess the achievements, recommend, and fine tune the Implementation Strategy and/or Action Plan where required, continuously
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 36
    • 102. Use CEM 2.0Applying the Right Web 2.0 Value to the Right Audience
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 37
      Contest
      Microsite
      Games
      Reminders
      Point-of-Sales
      Simulators
    • 103. Use CEM 2.0Internet Web 2.0 Tool Effectiveness Matrix
      Example
       Very Useful
       Useful
       May be Useful
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 38
    • 104. Example
      • Good simulators (especially those with very sound branding, known to be fun and provide value add advisory) may attract visitors to the simulators through word of mouth, popular search results, and recommended links (e.g. on Facebooks)
      Definition
      • Simulators are Application Tools which simulate conditions, events or outcomes based on input provided by the Users with the objective to generate results that are close to reality.
      • 105. For Insurance purposes, they are usually used to trigger awareness and attention to the Users on their needs for protection, investment, and/or savings so that they will purchase Insurance policies.
      • 106. Example of Simulators are:
      Retirement Planner (What’s Your Number by Prudential)
      Health Planner (Health Planner by ICICI Prudential – already removed from official website)
      Education Planner
      • Well-design simulators (e.g. easy, fancy, fun, fast) gives visitors good hands-on experience hence visitors will stay on to the website / simulator to try and complete the simulation process
      SimulatorDefinition & Effectiveness
      • Users usually willing to input some personal data to simulate results / output as relevant and as close to the reality as possible, e.g. DOB, gender, marital status. These are useful information to understand the prospect and approach appropriately. It’s also good opportunity to capture their contact information.
      • 107. Simulators usually do not transact any sales of policies, but will lead to Point-of-Sales engine/webpage when prospect intended to purchase.
      • 108. As life progress and statuses change, users may return to the simulators to perform simulation based on their latest statuses.
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 39
    • 109. 121advisorfor INSURANCE 2.0
      Private & Confidential | Copyright 2011 @ 121advisor
      21 July 2011
    • 110. 121advisor for Insurance 2.0Solution & Services
      Insurance 2.0
      Strategy
      Consultancy
      Solution & Services
      Insurance 2.0 Solution & Campaign
      • Design & Development
      • 111. Solution Implementation
      • 112. Outsourcing & Managed Services
      • 113. Campaign Execution
      • 114. Web Business Strategy
      • 115. IT Strategy Planning
      • 116. Requirement Elicitation
      • 117. Business Process Innovation
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 41
      Webassurance Channel Implementation
    • 118. Web 2.0
      Portal Management
      Webassurance
      for Life & General
      Channel Management Solution
      S.a.a.S
      Solutions
      Webassurance Strategy Consultancy
      Cyberagency Strategy Consultancy
      Web Application Hosting & Management
      Social Media Outsourcing
      Services
      Social Media
      Management
      Application Processing –
      Chat Agents – Site Mgmt
      Artwork – Blog – Content – Design – E-Learning – Games
      121advisor : Complete Solution & ServicesInsurance & Takaful 2.0 Enablement
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 42
      Setup – Monitor – Report – Engage - Manage
    • 119. More Ideas? Follow Webassurance.org!www.Webassurance.org or Facebook.com/Webassurance.org
      21 July 2011
      Private & Confidential | Copyright 2011 @ 121advisor
      Page 43
    • 120. THANK YOU
      Private & Confidential | Copyright 2011 @ 121advisor
      Web : www.121advisor.com | Email : mail@121advisor.com
      Tel: +60-3-7498-5212 | Fax: +60-3-7955-6363
      Follow Us : Facebook | Twitter | LinkedIn | YouTube | Webassurance.org Blog
      Address : Suite 1208, Level 12 Amcorp Tower, Amcorp Trade Centre, No. 18, Persiaran Barat, 46050 Petaling Jaya, Selangor
      21 July 2011

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