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Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
  
Data	
  Driven	
  Insurance	
  
	
  
Digital	
  Enterprise	
  Forum.	
  Madrid	
  26th	
  May	
  2016	
  
ISABEL	
  FERNÁNDEZ	
  PEÑUELAS	
  
DisrupLve	
  Business	
  Models	
  &	
  Digital	
  GTM	
  
Oracle	
  EMEA	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
   Oracle	
  ConfidenLal	
  –	
  Internal/Restricted/Highly	
  Restricted	
   2	
  
Our	
  insurance	
  	
  
expectaLons	
  are	
  
changing	
  	
  
as	
  the	
  world	
  	
  changes	
  
around	
  us	
  
RoboLcs	
  makes	
  baby	
  steps	
  toward	
  solving	
  Japan’s	
  child	
  care	
  shortage	
  (Japan	
  Times)	
  
	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
  
Insurance	
  Trends	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  |	
   Oracle	
  ConfidenLal	
  –	
  Internal/Restricted/Highly	
  Restricted	
   4	
  
Premium	
  discounts	
  
up	
  are	
  available	
  to	
  
“Movers”	
  who	
  take	
  
steps	
  to	
  be	
  more	
  
acLve	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
   5	
  
Liberty	
  Mutual	
  Breaks	
  into	
  VC	
  
with	
  Smart	
  Home	
  Investment	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
   Oracle	
  ConfidenLal	
  –	
  Internal	
  
The	
  birth	
  of	
  a	
  New	
  Unicorn	
  
WHY	
  
INSURTECH	
  
IS	
  THE	
  NEW	
  
FINTECH?	
  
Where	
  are	
  the	
  emerging	
  
pressures	
  coming	
  from?	
  
	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
   7	
  
CB	
  Insights	
  November	
  2015	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  |	
   8	
  
‘Magic	
  Moments’	
  
Giving	
  people	
  what	
  they	
  
need,	
  want	
  &	
  love	
  in	
  this	
  	
  
changing	
  world	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
   9	
  
Insurtechs	
  impact	
  in	
  the	
  Insurance	
  value	
  chain	
  
	
  
E-­‐Aggregators	
  
Tech	
  Giants	
  
Sharing	
  Economy	
  
	
  
Data	
  Driven	
  
	
  
Personalised	
  
Bundles	
  
DistribuLon	
   Underwriing	
  
Risk	
  Capital	
  
&	
  
Investment	
  
R&D	
   Claims	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  |	
   Oracle	
  ConfidenLal	
  –	
  Internal	
  
Data	
  Driven	
  Insurance	
  
	
  
Key	
  Characteris8cs	
  	
  
for	
  delivering	
  	
  
‘Magic	
  Moments’	
  
	
  
	
  
PersonalisaPon	
   Pricing	
  Accuracy	
   Transparency	
   Engagement	
  
Data	
  Driven	
  Insurance	
  CharacterisLcs	
  
1.  Harness	
  IoT	
  data	
  from	
  a	
  range	
  of	
  plajorms	
  and	
  applying	
  
“Riskology”	
  in	
  an	
  holisLc	
  way	
  (car,	
  health,	
  home..)	
  
2.  Understand	
  &	
  predict	
  customer	
  behavior	
  
3.  Enhance	
  operaLons	
  by	
  minimizing	
  human	
  intervenLon	
  
4.  Improve	
  human	
  decision	
  making	
  (when	
  needed)	
  
5.  Engage	
  customer’s	
  and	
  employee’s	
  with	
  relevant	
  and	
  
personalized	
  products,	
  services	
  and	
  informaLon	
  	
  
Copyright	
  ©	
  2015,	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  |	
  
Changes	
  in	
  personal	
  
circumstances	
  
triggers	
  insurance	
  
opLons	
  
Partnership	
  with	
  car	
  
OEM	
  –	
  when	
  selling	
  a	
  
car,	
  individual	
  gets	
  
free	
  credits	
  to	
  try	
  
pay-­‐as-­‐you	
  car	
  
Selling	
  a	
  car	
  	
  
	
  opLon	
  to	
  	
  
re-­‐configure	
  
insurance...maybe	
  
transfer	
  to	
  a	
  savings	
  
product?	
  
Example	
  	
  
‘Magic	
  Moments’	
  
Real-­‐Lme	
  advice	
  for	
  
employees	
  on	
  
handling	
  customer	
  
queries	
  using	
  data	
  
across	
  the	
  eco-­‐
system	
  
Chat-­‐bots	
  for	
  
handling	
  online	
  
queries	
  using	
  ML	
  
capabiliLes	
  
Family	
  Insurance	
  	
  
Bundle	
  across	
  Car,	
  
Home	
  &	
  Health	
  –	
  
based	
  on	
  collecLve	
  
risk	
  profiles	
   New	
  connected	
  (e.g	
  
NEST	
  cam	
  for	
  security	
  )	
  
products	
  are	
  adopted	
  
and	
  insurance	
  profile	
  
updated	
  for	
  	
  
personalized	
  offers/
comfort/	
  risk	
  	
  
miLgaLon	
  
Purchases	
  using	
  
Blockchain	
  trigger	
  
insurance	
  changes	
  
Contextual	
  alerts	
  to	
  
customers	
  offering	
  
advice	
  e.g.	
  a	
  safe	
  
place	
  to	
  park	
  	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
   12	
  
	
  
	
  
	
  
The	
  Data-­‐Privacy	
  
Challenge	
  
Are	
  they	
  willing	
  customer	
  to	
  
share	
  their	
  data?	
  
	
  
	
  
	
  
	
  
	
  
	
  	
  
	
  
Insurance	
  customers	
  who	
  share	
  data	
  from	
  
their	
  Nest	
  device	
  (smoke	
  and	
  carbon	
  
monoxide)	
  are	
  eligible	
  for	
  discounts	
  from	
  
Liberty	
  Mutual	
  and	
  American	
  Family.	
  	
  
Half	
  of	
  U.S.	
  consumers	
  are	
  prepared	
  to	
  share	
  
biometric	
  data	
  to	
  receive	
  discounts	
  on	
  
premiums	
  -­‐Troubadour	
  Research	
  &	
  
ConsulPng.	
  
Transparent	
  use	
  of	
  data	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
  
	
  WHAT	
  IF?	
  
	
  DATA	
  	
  
RISKOLOGY	
  
	
  
	
  
	
  
	
  
Def.	
  Riskology—the	
  new	
  science	
  
of	
  holisLc	
  data	
  from	
  every	
  
channel,	
  every	
  company,	
  every	
  
asset,	
  every	
  device	
  and	
  the	
  human	
  
body	
  to	
  reduce	
  insurance	
  risk	
  
	
  
	
  
	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  |	
  
Infrastructure	
  as	
  a	
  Service	
  
	
  	
  SoUware	
  as	
  a	
  Service	
  
Data	
  as	
  a	
  Service	
  
Oracle	
  ConfidenLal	
  –	
  Internal/Restricted/Highly	
  Restricted	
   14	
  
Innovate	
  @	
  Speed	
  and	
  Scale	
  using	
  a	
  
broad	
  ecosystems	
  of	
  data	
  and	
  partners,	
  
while	
  driving	
  down	
  cost,	
  risk	
  and	
  Lme	
  to	
  
market.	
   PlaVorm	
  as	
  a	
  Service	
  
On	
  Premise	
  
	
  
Emerging	
  a	
  new	
  paradigm	
  
of	
  Enterprise	
  as	
  a	
  Service	
  
(EaaS)	
  
	
  
	
  
Enterprise	
  as	
  a	
  Service	
  
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
  
New EaaS Paradigms Impacting Insurance
Copyright	
  ©	
  2015	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  	
  
Cloud	
  Services	
  	
  
to	
  Bring	
  Data	
  Driven	
  
‘Magic	
  Moments’	
  to	
  
Life	
  
Copyright	
  ©	
  2015,	
  Oracle	
  and/or	
  its	
  affiliates.	
  All	
  rights	
  reserved.	
  	
  |	
  
Safe	
  Harbor	
  Statement	
  
The	
  preceding	
  is	
  intended	
  to	
  outline	
  our	
  general	
  product	
  direcLon.	
  It	
  is	
  intended	
  for	
  
informaLon	
  purposes	
  only,	
  and	
  may	
  not	
  be	
  incorporated	
  into	
  any	
  contract.	
  It	
  is	
  not	
  a	
  
commitment	
  to	
  deliver	
  any	
  material,	
  code,	
  or	
  funcLonality,	
  and	
  should	
  not	
  be	
  relied	
  upon	
  
in	
  making	
  purchasing	
  decisions.	
  The	
  development,	
  release,	
  and	
  Lming	
  of	
  any	
  features	
  or	
  
funcLonality	
  described	
  for	
  Oracle’s	
  products	
  remains	
  at	
  the	
  sole	
  discreLon	
  of	
  Oracle.	
  
17	
  
Ifp 2016 des- digital insurer

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Ifp 2016 des- digital insurer

  • 1. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       Data  Driven  Insurance     Digital  Enterprise  Forum.  Madrid  26th  May  2016   ISABEL  FERNÁNDEZ  PEÑUELAS   DisrupLve  Business  Models  &  Digital  GTM   Oracle  EMEA  
  • 2. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       Oracle  ConfidenLal  –  Internal/Restricted/Highly  Restricted   2   Our  insurance     expectaLons  are   changing     as  the  world    changes   around  us   RoboLcs  makes  baby  steps  toward  solving  Japan’s  child  care  shortage  (Japan  Times)    
  • 3. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       Insurance  Trends  
  • 4. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.    |   Oracle  ConfidenLal  –  Internal/Restricted/Highly  Restricted   4   Premium  discounts   up  are  available  to   “Movers”  who  take   steps  to  be  more   acLve  
  • 5. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       5   Liberty  Mutual  Breaks  into  VC   with  Smart  Home  Investment  
  • 6. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       Oracle  ConfidenLal  –  Internal   The  birth  of  a  New  Unicorn   WHY   INSURTECH   IS  THE  NEW   FINTECH?   Where  are  the  emerging   pressures  coming  from?    
  • 7. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       7   CB  Insights  November  2015  
  • 8. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.    |   8   ‘Magic  Moments’   Giving  people  what  they   need,  want  &  love  in  this     changing  world  
  • 9. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       9   Insurtechs  impact  in  the  Insurance  value  chain     E-­‐Aggregators   Tech  Giants   Sharing  Economy     Data  Driven     Personalised   Bundles   DistribuLon   Underwriing   Risk  Capital   &   Investment   R&D   Claims  
  • 10. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.    |   Oracle  ConfidenLal  –  Internal   Data  Driven  Insurance     Key  Characteris8cs     for  delivering     ‘Magic  Moments’       PersonalisaPon   Pricing  Accuracy   Transparency   Engagement   Data  Driven  Insurance  CharacterisLcs   1.  Harness  IoT  data  from  a  range  of  plajorms  and  applying   “Riskology”  in  an  holisLc  way  (car,  health,  home..)   2.  Understand  &  predict  customer  behavior   3.  Enhance  operaLons  by  minimizing  human  intervenLon   4.  Improve  human  decision  making  (when  needed)   5.  Engage  customer’s  and  employee’s  with  relevant  and   personalized  products,  services  and  informaLon    
  • 11. Copyright  ©  2015,  Oracle  and/or  its  affiliates.  All  rights  reserved.    |   Changes  in  personal   circumstances   triggers  insurance   opLons   Partnership  with  car   OEM  –  when  selling  a   car,  individual  gets   free  credits  to  try   pay-­‐as-­‐you  car   Selling  a  car      opLon  to     re-­‐configure   insurance...maybe   transfer  to  a  savings   product?   Example     ‘Magic  Moments’   Real-­‐Lme  advice  for   employees  on   handling  customer   queries  using  data   across  the  eco-­‐ system   Chat-­‐bots  for   handling  online   queries  using  ML   capabiliLes   Family  Insurance     Bundle  across  Car,   Home  &  Health  –   based  on  collecLve   risk  profiles   New  connected  (e.g   NEST  cam  for  security  )   products  are  adopted   and  insurance  profile   updated  for     personalized  offers/ comfort/  risk     miLgaLon   Purchases  using   Blockchain  trigger   insurance  changes   Contextual  alerts  to   customers  offering   advice  e.g.  a  safe   place  to  park    
  • 12. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       12         The  Data-­‐Privacy   Challenge   Are  they  willing  customer  to   share  their  data?                   Insurance  customers  who  share  data  from   their  Nest  device  (smoke  and  carbon   monoxide)  are  eligible  for  discounts  from   Liberty  Mutual  and  American  Family.     Half  of  U.S.  consumers  are  prepared  to  share   biometric  data  to  receive  discounts  on   premiums  -­‐Troubadour  Research  &   ConsulPng.   Transparent  use  of  data  
  • 13. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.        WHAT  IF?    DATA     RISKOLOGY           Def.  Riskology—the  new  science   of  holisLc  data  from  every   channel,  every  company,  every   asset,  every  device  and  the  human   body  to  reduce  insurance  risk        
  • 14. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.    |   Infrastructure  as  a  Service      SoUware  as  a  Service   Data  as  a  Service   Oracle  ConfidenLal  –  Internal/Restricted/Highly  Restricted   14   Innovate  @  Speed  and  Scale  using  a   broad  ecosystems  of  data  and  partners,   while  driving  down  cost,  risk  and  Lme  to   market.   PlaVorm  as  a  Service   On  Premise     Emerging  a  new  paradigm   of  Enterprise  as  a  Service   (EaaS)       Enterprise  as  a  Service  
  • 15. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       New EaaS Paradigms Impacting Insurance
  • 16. Copyright  ©  2015  Oracle  and/or  its  affiliates.  All  rights  reserved.       Cloud  Services     to  Bring  Data  Driven   ‘Magic  Moments’  to   Life  
  • 17. Copyright  ©  2015,  Oracle  and/or  its  affiliates.  All  rights  reserved.    |   Safe  Harbor  Statement   The  preceding  is  intended  to  outline  our  general  product  direcLon.  It  is  intended  for   informaLon  purposes  only,  and  may  not  be  incorporated  into  any  contract.  It  is  not  a   commitment  to  deliver  any  material,  code,  or  funcLonality,  and  should  not  be  relied  upon   in  making  purchasing  decisions.  The  development,  release,  and  Lming  of  any  features  or   funcLonality  described  for  Oracle’s  products  remains  at  the  sole  discreLon  of  Oracle.   17