해외 보험회사의 핀테크 활용 대책

Financial IT, such as the use of FinTech, has become one of the key to growth. The impact of rapid advances in digital technology is spreading all over the world, and advanced digital technology is also being used in developing countries. In developed countries, the spread of digital natives is expected to surely digitize consumption behavior. FinTech-related technologies are considered to be utilized in providing services at the point of contact between financial institutions and customers, and in improving internal business efficiency. Considering that the IT investment that our insurance company has been pursuing so far has centered on the efficiency of the back office business, in the case of insurance companies, it is a promising option to reduce system cost by introducing FinTech-related technologies from the viewpoint of internal work efficiency. I think this will be. Next, looking at the overseas situation to examine the use of FinTech as a customer contact point, large insurers in the US and Europe are looking for techniques to utilize FinTech, such as discovering emerging FinTech companies, alliances with large technology companies, and reinforcing their own research institutes. In order to do so, we are going through various trials and errors. Large Western insurance companies are putting their efforts into practicing the open innovation mindset and injecting FinTech. On the other hand, emerging insurers using FinTech are specialized in specific insurance services and are jumping into the market as insurance products with simple product content and subscription procedures using mobile terminals. In the near future, it is inevitable for our insurance company to respond to digitalization at both sides of in-house work and customer contact points in line with customer digitalization. It is believed that it is necessary to exchange information with FinTech companies through various opportunities and to actively introduce external technologies.