Sigortacilikta yeni trendler

SAP FORUM İSTANBUL 2014The Networked Insurer

Marc Nolla

Director Strategic Initiatives

SAP Innovation South Europe

© 2014 SAP AG. All rights reserved. 3

Networked Insurer

i-SWAT


i-SWAT

The Networked Insurer

PRECISIONOMNI-CHANNEL USAGE BASED


Omnichannel

Insurance

i-SWAT


In 2014 … insurers will become customer-centric by

integrating systems of record, such as underwriting

and core administration systems, with systems of

engagement, such as customer channels and online

and mobile engagement

OVUM

i-SWAT


i-SWAT

This is not new


Insurance has become a truly multichannel journey


Touchpoint hopping is the dominant behavior

Source: Life and Health Insurance Foundation for Education and LIMRA Int. “2013 Insurance Barometer Study”


SAP Omnichannel Management

ClaimPolicy CRM Data Pools

ERP

TVWeb POSMobile Social Print

Single view of Customers Single view of Products

Single Source

of Truth

Single Source

of Truth

Call Center


11

Unlock the backend to the digital touchpoints

Policy systemLegacy systems

Product Content

Management

ContextualPersonalization

Omnichannel Touchpoint Connect

Call Center Mobile Online

hybris Insurance Portal Platform

Aggregator websites

Customer-, policy and product data

Data warehouse Claims systems

Web Content Management

QuoteCapture

engine

InsuranceSpecific

Product content

Self ServiceArea for

Policy Management

Agents & Brokers


12

Reference Case: Money Supermarket.com 2013 Website of the year


13

hybris insurance accelerator – PlannedEnable customers to easily buy insurance products

Mobile

Search & Find

Product,

Agent

Buy Insurance

Product

directly

myAccount

Assisted Selling


Search Engine Optimization is impacting marketing budget


High Quality Content drives SEO traffic


Usage Based

Insurance

i-SWAT


i-SWAT

7.6b People

50b Things

During 2008, the number of things connected to the Internet exceeded the number of people on earth

2003 2010 2015 2020

The “Internet of Things”

Cisco Internet Business Solutions Group (IBSG), April 2011 and Morgan Stanley, October 2013

25b Things


“Digital Physical blur … usage and

contextual data they can use to refine

risk, redefine products and transform

customer relationships”

Accenture

i-SWAT


i-SWAT

Transforming the Insurance Value Chain


i-SWAT


i-SWAT

Wearables and Health


i-SWAT

Source Celent


i-SWAT

SAP HANA in ActionPerformance of “Medical Treatment” Query

Before SAP HANA With SAP HANA

2.5 minutes

150 hours

Runs

3600x

fasterThe high expectations of SAP

HANA have already been

surpassed significantly during the

proof of concept

Udo Patzelt, AOK Systems at SAP

Less than 2,5 Minutesanalysis response time

> 540.000.000records

“Diabetic Medical Treatment Query”

Complex join

across 11 data

sources


i-SWAT

Track, Monitor and Reward Healthy Lifestyle


i-SWAT

Smart Thermostat and Smoke Detection


i-SWAT


i-SWAT


i-SWAT

SAP Smart Meter


NRI Tokio Traffic


i-SWAT

Connected Cars

../../M2M/Videos/SAP and BMW Bring you the Connected Car(720p_H.264-AAC).mp4

../../M2M/Videos/SAP and BMW Bring you the Connected Car(720p_H.264-AAC).mp4


i-SWATConfidential Baseline

Telematics 2014 ©

31

Usage Based Insurance Overview

Baseline Telematics 2014 ©

Hard Wired OBD Mobile App


i-SWAT

Capture the Signal

Date Time Altitude Longitude Latitude Speed Event

5/27/2014 15:03:05 48.28949 2.155304 48.90274 0 9001

5/27/2014 15:03:05 48.28949 2.155304 48.90274 0 8007

5/27/2014 15:03:05 48.28949 2.155304 48.90274 0 8008

5/27/2014 15:03:05 48.28949 2.155304 48.90274 0 4001

5/27/2014 15:06:55 42.50176 2.154397 48.90233 0 8007

5/27/2014 15:07:03 56.61715 2.154592 48.90233 10.08 6030

5/27/2014 15:07:06 55.918 2.154641 48.90237 10.152 6001

5/27/2014 15:07:08 56.29464 2.154519 48.90247 20.16 6001

5/27/2014 15:07:11 56.48324 2.154322 48.90267 20.556 6001

5/27/2014 15:07:12 56.52615 2.154227 48.90269 21.492 6001

5/27/2014 15:07:14 56.18753 2.154176 48.90275 18.792 6001

5/27/2014 15:07:15 56.31979 2.154196 48.90278 14.832 6001

5/27/2014 15:07:16 56.69271 2.15421 48.9028 8.351999 6001

5/27/2014 15:07:17 56.56228 2.154221 48.90281 5.544 6001

5/27/2014 15:07:19 56.13375 2.154306 48.90285 16.416 6001

5/27/2014 15:07:20 55.98056 2.154411 48.90287 22.788 6001

5/27/2014 15:07:22 55.85507 2.154633 48.90289 27.936 6001

5/27/2014 15:07:23 55.83383 2.15478 48.90288 32.436 6001

5/27/2014 15:07:32 56.40841 2.155784 48.9028 22.428 6001

5/27/2014 15:07:33 56.67379 2.155865 48.90275 21.312 6001

5/27/2014 15:07:34 57.11874 2.155948 48.90274 20.268 6001

5/27/2014 15:07:36 56.85092 2.156053 48.90273 17.136 6001

5/27/2014 15:07:38 56.59451 2.156201 48.90269 21.528 6001

5/27/2014 15:07:39 56.08731 2.156279 48.9027 19.872 6001

5/27/2014 15:07:50 56.80227 2.15648 48.90267 8.136 6001

5/27/2014 15:07:50 56.80227 2.15648 48.90267 8.136 4001

5/27/2014 15:08:06 57.05593 2.157631 48.90274 23.652 6001

5/27/2014 15:08:20 56.94894 2.159243 48.90266 28.764 6001

5/27/2014 15:08:24 56.88003 2.159572 48.90259 20.736 6001

5/27/2014 15:08:44 56.07956 2.160122 48.90256 21.312 6001

5/27/2014 15:08:50 57.47592 2.160361 48.9025 7.992 4001

5/27/2014 15:08:52 57.19204 2.160405 48.90247 7.487999 6001

5/27/2014 15:08:54 57.47274 2.160419 48.90249 6.444 6001

5/27/2014 15:08:56 57.21926 2.160458 48.90251 5.76 6001

5/27/2014 15:08:58 57.4053 2.160491 48.90251 5.868 6001

5/27/2014 15:09:07 57.50613 2.161062 48.90249 25.704 6001



i-SWAT

Smartify



i-SWAT

Underwriting



i-SWAT

«Standard»insurancepremium for youths

Program Basic Premium

Irresponsible

behavior :

Up to xxx %

surcharge

Mileage

Exceptional

behavior :

up to xx % off

$$$ $$$

Pricing



i-SWATBaseline Telematics 2014 ©


i-SWAT

Claim scenario Automation

Automate

processes

Integrate third

parties

Service and

control


Precision Insurance

i-SWAT


“…a comprehensive, cross-functional

enterprise data analytics strategy will improve

customer targeting, product design, pricing,

agency management, underwriting, claims and

reporting.”

Ernst&Young

i-SWAT


i-SWAT

The Evolution of Business Intelligence

Raw

Data

Cleaned

Data

Standard

Reports

Ad Hoc

Reports &

OLAP

Agile

Visualization

Predictive

Modeling

Optimization

What happened?

Why did it happen?

What will happen?

What is

the best that

could happen?

Use

rE

ng

ag

em

en

t

Maturity of Analytics Capabilities

SelfService BI

Generic

Predictive Analysis

Co

lle

cti

ve

Ins

igh

t


i-SWAT

CUSTOMER LIFECYCLE VALUE CHURN RATE CUSTOMER ENGAGEMENT

Improve Segmentation and Targeting


i-SWAT

Relevance Drives Consumer Value

Personalization

CRM-based

offers

“I know who my

customers are,

but can I reach

them when it

counts?”

Tim

eli

ness

Location-based

offers

“I know where my

customers are,

but everyone gets

the same offer.”

Precision Insurance

1:1 Personalization

At the point-of-decision


i-SWAT

How to make an insurance App Viral?


i-SWAT

How to make an insurance App Viral?

“Building a digital engagement that

EXCITES, ENABLES and EMPOWERS

your customers

You need to have a really powerful

reason to get customers to use your

App:

CONVENIENCE, UTILITY, VALUE /

REWARDS”

How to Build a Billion Dollar App -

George Berkowski


i-SWAT

Omni-Channel Insurance

WiKi Insurance - myJourneyPull Insurance:Auto, Health, Travel and Life


i-SWAT

Storm-Analytics


i-SWAT

Alert Notification – Alert Worklist


i-SWAT

Inquiry & Analyze – Network Analysis


i-SWAT

The Networked Insurer

OMNI-CHANNEL

INSURANCE

PRECISION

INSURANCE

USAGE BASED

INSURANCE


Simplify Everything

do Anything

i-SWAT

© 2014 SAP AG or an SAP affiliate company. All rights reserved.

Teşekkürler


i-SWAT

No part of this publication may be reproduced or transmitted in any form or for any purpose without the express permission of SAP AG. The information contained herein may be changed without prior notice.

Some software products marketed by SAP AG and its distributors contain proprietary software components of other software vendors.

Microsoft, Windows, Excel, Outlook, and PowerPoint are registered trademarks of Microsoft Corporation.

IBM, DB2, DB2 Universal Database, System i, System i5, System p, System p5, System x, System z, System z10, System z9, z10, z9, iSeries, pSeries, xSeries, zSeries, eServer, z/VM, z/OS, i5/OS, S/390, OS/390, OS/400, AS/400, S/390 Parallel Enterprise Server, PowerVM, Power Architecture, POWER6+, POWER6, POWER5+, POWER5, POWER, OpenPower, PowerPC, BatchPipes, BladeCenter, System Storage, GPFS, HACMP, RETAIN, DB2 Connect, RACF, Redbooks, OS/2, Parallel Sysplex, MVS/ESA, AIX, Intelligent Miner, WebSphere, Netfinity, Tivoli and Informix are trademarks or registered trademarks of IBM Corporation.

Linux is the registered trademark of Linus Torvalds in the U.S. and other countries.

Adobe, the Adobe logo, Acrobat, PostScript, and Reader are either trademarks or registered trademarks of Adobe Systems Incorporated in the United States and/or other countries.

Oracle is a registered trademark of Oracle Corporation.

UNIX, X/Open, OSF/1, and Motif are registered trademarks of the Open Group.

Citrix, ICA, Program Neighborhood, MetaFrame, WinFrame, VideoFrame, and MultiWin are trademarks or registered trademarks of Citrix Systems, Inc.

HTML, XML, XHTML and W3C are trademarks or registered trademarks of W3C®, World Wide Web Consortium, Massachusetts Institute of Technology.

Java is a registered trademark of Sun Microsystems, Inc.

JavaScript is a registered trademark of Sun Microsystems, Inc., used under license for technology invented and implemented by Netscape.

SAP, R/3, SAP NetWeaver, Duet, PartnerEdge, ByDesign, SAP BusinessObjects Explorer, StreamWork, and other SAP products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of SAP AG in Germany and other countries.

© 2014 SAP AG. All rights reserved

Business Objects and the Business Objects logo, BusinessObjects, Crystal Reports, Crystal Decisions, Web Intelligence, Xcelsius, and other Business Objects products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of Business Objects Software Ltd. Business Objects is an SAP company.

Sybase and Adaptive Server, iAnywhere, Sybase 365, SQL Anywhere, and other Sybase products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of Sybase, Inc. Sybase is an SAP company.

All other product and service names mentioned are the trademarks of their respective companies. Data contained in this document serves informational purposes only. National product specifications may vary.

The information in this document is proprietary to SAP. No part of this document may be reproduced, copied, or transmitted in any form or for any purpose without the express prior written permission of SAP AG.

This document is a preliminary version and not subject to your license agreement or any other agreement with SAP. This document contains only intended strategies, developments, and functionalities of the SAP® product and is not intended to be binding upon SAP to any particular course of business, product strategy, and/or development. Please note that this document is subject to change and may be changed by SAP at any time without notice.

SAP assumes no responsibility for errors or omissions in this document. SAP does not warrant the accuracy or completeness of the information, text, graphics, links, or other items contained within this material. This document is provided without a warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

SAP shall have no liability for damages of any kind including without limitation direct, special, indirect, or consequential damages that may result from the use of these materials. This limitation shall not apply in cases of intent or gross negligence.

The statutory liability for personal injury and defective products is not affected. SAP has no control over the information that you may access through the use of hot links contained in these materials and does not endorse your use of third-party Web pages nor provide any warranty whatsoever relating to third-party Web pages.