20170608 presentatie overleven in een wereld van insurtechs
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Pascal Spelier, 8 juni 2017
Overleven in een wereld van InsurTechs
2
www.finno.nl
3
Overleven in een wereld
van InsurTechs
4
5
De nieuwe generatie creëert
nieuwe standaarden voor
verzekeren
Nieuwe
technologieWijzigingen in
wet- en
regelgeving
Drie ‘drivers for change’
Veranderend
klantgedrag
Gen Y vergroot het belang
van ‘digital’
“Ja, ze hebben WiFi hier!”
Digitaal een gebed
prevelen in een kerk in
Frankrijk
Drie ‘drivers for change’
Veranderend
klantgedrag
Nieuwe
technologieWijzigingen in
wet- en
regelgeving
Performance
Time
Performance improvement
mainstream
Potentially disruptive technology
Disruptive technologies move up
market and eventually displace
competitors
Source: Clayton Christensen (Harvard)
Source: Clayton Christensen (Harvard)
Performance
Time
Disruptive technologies move up
market and eventually displace
competitors
Dvd per mail
Digital movies
Digital series via Ps3/4, Xbox, tablet
“Disruption in
banking will be
most imminent;
but the greatest
impact of
disruption is
likely to be felt in
the insurance
sector”
CustomerDistribution /
Front Office
Manufacturing /
Back OfficeMarket Infrastructure
Individual
Institution
Investin
g /
Wealth M
gm
nt
Pers
onal
Savin
gs
Lendin
gC
apital
Rais
ing
Source: based on illustration ‘Financial Services Value Chain Supermarket Age’ by Doug
Nelson
Paym
ents
= flow of capital
De huidige waardeketen staat onder druk…
CustomerDistribution /
Front Office
Manufacturing /
Back OfficeMarket Infrastructure
Individual
Institution
Investin
g /
Wealth M
gm
nt
Pers
onal
Savin
gs
Lendin
gC
apital
Rais
ing
Source: based on illustration ‘Financial Services Value Chain Next Gen’ by Doug Nelson
Paym
ents
…en financiële diensten worden ontvlochten
Independent, digital front ends API-driven middle- and back office
Electrification of market infrastructure
Independent , digital front ends and middle- and back office
Based on a framework used in the World Economic Forum report ‘The Future of Financial Services’
*
*) All crowdfunding-, peer-to-peer- or market place lending platforms could also be placed in the ’Investment Management’ slice
*
V1.5
Dutch FinTech
LandscapeChallenging the Incumbents
V1.5 | June 2017www.finno.nl
Dutch FinTech LandscapeIncumbents behaving
like FinTechs
V1.0 | April 2017
AB
N
AM
RO
ING
RA
BO
BA
N
KS
NS
AE
GO
NA
CH
ME
AN
N /
DE
LT
A
LLO
YD
VIV
AT
V 1.0
= internal startup = investment
www.finno.nl
*
*) Please note that as of April 12th Nationale Nederlanden
acquired Delta Lloyd, therefore we have combined both
insurers1) Homies is an initiative in close cooperation with Accenture
1)
A.S
.R.N
IBC
GROUP #001:
Brighton Sea Swimmers
‘s-Werelds grootste verzekeraar
heeft geen risico’s op de
balans?
Binnen afzienbare tijd,
zullen chatbots, die
gebruik maken van AI,
mensen vervangen
Wat als auto’s niet
meer botsen?
“Driverless cars: motor insurancepremiums in the UK will drop 63%
between 2015 and 2060”Source: Autonomous
Research
Mid-Season Assessments Farm Management ToolClaim Assessment
Overleven in een wereld
van InsurTechs
Underwriting 2.0
De winnaars in de risicomarkt zijn
degene die toegang hebben tot de
(gedrags)data van de klant
It is not the strongest of the
species that survives,
nor the most intelligent
that survives.
It is the one that is
the most adaptable to
change.- Darwin -
Pascal SpelierChief Inspiration Officer
Financial Services
Mobile:+31 (0) 6 39 78 09 46pascal.spelier@finno.nl
Thank you!
@spelier
www.slideshare.net/pascal.spel
ier
www.linkedin.com/in/pascalspel
ier
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