科技前沿播客19.索赔的创新:Shift,360Globalnet和PrevisiCo

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播客

此播客采用来自三家不同公司的发言者,所有这些都提供用于管理索赔的解决方案,但每个阶段都在其增长的不同阶段。 3月5日在伦敦的索赔活动中创新的创新生活在伦敦伦敦合作伙伴马修·格兰特和罗宾·默特森介绍。

保罗斯坦利 CEO of 360globalne.T(3.40)

杰夫曼里克斯 and Thomas Verduzco-Weisel from 换档技术 当天加入另外6000万美元的资金后加入我们。 (15:10)

Avi Baruch. from PrevisiSico, 从Loughborough大学出来, 论洪水和新技术的预测和利用帮助减少索赔。 (25:10)

这里 科技前沿播客19.它也可以在iTunes上提供, Spotify.讲话.

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此播客的成绩单

00:01 Matthew Grant: Hello and welcome to the InsTech London Podcast, this is Matthew Grant, one of the partners at InsTech London, and for those of you that don'T 科技前沿是伦敦最大的社区,伦敦汇集了兴趣在保险中创新的人,我们与保险公司,初创公司,科技公司,投资者,专业服务和所有之间的人定期会面。本周,我们担任索赔活动和您'll shortly be hearing from some of the speakers we had that evening but before that, a word from Robin and myself.

00:40曼:所以罗宾,我们本周即将听到我们索赔活动的亮点。另一个伟大的出席。你的活动的亮点是什么?

00:49 Robin Merttens:嗯,我认为这是我们时代的一个特征,您可以在周二晚上获得200多人的索赔活动。从我的角度来看,在那里转向那里的大事,筹集了6000万欧元并在那天早些时候宣布了它,特别是因为他们现在已经是我们的朋友,自2017年底以来。保罗·斯坦利,我认为我认为是他的积分讨论扰乱索赔的困难是多么困难,这是我们在倾听这么多努力的人的一天时做得很好。你呢,你觉得什么?

01:21 MG: Yes, I think the surprising thing about claims is, in one sense, this is an area where the market can actually save a lot of money, if it gets it right. A dollar saved in claim, or a pound saved in claims, goes straight to the bottom line. We hear a lot about claims in motor or in personal life, but we'仍然没有听到商业特色空间。所以我们'重新开始看到更多的东西,但我特别喜欢PrevisiCo,他们有能力监测洪水风险。很多人看着河流洪水或沿海风暴闪现洪水,但远远甚至他们看起来那种洪水你的洪水和他们're able to do is to provide alerts to people about a flood that is coming and to help them take some actions to get their possessions out of the way of the flood. So I think they have got some real potential in there.

02:05 RM: I think if we had this thing in one year'时间,我们会有一群人做参数索赔,当你听到转变时谈论它们'这些天已经完全自动化了索赔,人们确实可以了解一部分业务的内容如何在一两年内发生根本改变。但后来我've been saying that kind of stuff for years now, no one has taken notice, but I really do believe that.

02:28 MG:是的,你和我倾向于领先于此趋势,但在某些时候,趋势将赶上,但在参数分子上,在今年晚些时候发生了一个强有力的主题。很多应用程序都来自参数。所以你和我在4月2日为MGAS举办活动,我们如何与发言人相处?

02:46 RM: Yes so we'重新回到前端和分销。有很多新的曼加斯做了一些非常有趣的东西所以我们'请看看新产品。但是,大多数特别是这是关于故事的,人们如何将他们的MGA带到市场,他们使用的是他们建立了技术的人,他们如何得到能力。它's mostly about how MGAs are being taken from idea to trading and who is doing those things in a new and exciting way.

03:17 MG: Yes. What'关于mgas的棘手是它的'■传统上是保险空间之外的组织的机会,以实际使用他们的客户及其分销网络进入保险空间,因此我们开始在该空间中看到更多。我想我们'再见明年发生了更多的事情。好的,让's transition now to the highlights of the event from last week and hear from our speakers.

03:44 Robin: Let me introduce you to Paul Stanley, he'S 360 GlobalNet的首席执行官和创始人是索赔技术空间的领导者。他'虽然一生都在保险时,是一位串行企业家。这不是一个球场。一世'我要问保罗一系列问题's like to be in the InsurTech claims space, trying to digitise a world that is difficult to digitise, just to get a perspective from Paul on his journey, both as an individual and with 360. So Paul, starting off, how on earth did you end up as a claims innovator, it’s not something people choose to do, surely.

04:29 Paul Stanley: No, no. I'我是一个相当普通的人,我在前一天将自己描述为一个傻瓜,但我总是在保险中说,你只需要稍微好转,比平均熊稍微聪明,成功。大量的平均熊在那里,缓慢,平均熊。所以,我如何做我做的事'我现在在做的时候,感谢皇家保险,他们在索赔的阳光下给了我每一项工作,让我让我与BCG,麦肯锡以及他们在他们即将去破产时运行的不可避免的业务改善计划。然后直接线,与彼得伍德直接线路直接经验,他们让我做了更多或更少我喜欢的东西,这最终是我的垮台。然后,当他们过于官僚主义时,获得了140万,我开始了五个业务中的第一个,但我告诉你这个是最困难的。它's got the biggest potential, but it has just felt like pushing a huge boulder up the hill, a $35 million boulder as it turns out.

05:48 Robin: Thank you. So tell the people what 360 does and why you think it'在这个空间中取得了成功's so difficult to break through in.

05:56 PS:是的,花了我们花了几年,实际上锻炼了我们要做的事情。我们始终拥有雄心壮志,两年后的野心 - 24个月 - 完全改变索赔经验。我在索赔中工作了很长时间久,而且我仍然无法相信顾客的利润。

06:21 PS: And I've实际上已经从地狱索赔了,所以我可以告诉你......我们所做的是任何复杂性和任何地理的任何索赔的完整数字过程're worldwide. The big thing that we do is hand the power back to business people from IT. So we give you a platform with all the digital tools in it, the ability to use video, imagery, self-service for everybody, capacity management of suppliers, manage all your outsources, just link everybody together around one single digital record.

07:00 PS: And it'S Berforms用户完全可在桌面上进行自配置,这是巨大的。所以我们对客户说,“我们将权力交给业务,所以你不'不再需要它“。所以我们唯一需要的IT部门是将客户插入互联网,我们尽一切。所以'是爱的劳动,我们有一些梦幻般的人和它'刚刚难以置信,很多钱,需要难以置信的耐心,但我们 're just starting to see the market turn significantly over the last 12 months.

07:42罗宾:为什么为什么在索赔中的创新更困难?所有这笔钱在我似乎都进入产品设计,分销渠道,数据改进。为什么,当它是这个过程的这一重要部分时,为什么为什么减少声明以及为什么索赔产生如此困难?

08:03 PS: I think my mantra is you'真的很了解索赔,以改变它。有很多事情。当我第18岁时我第一次走进索赔部门时,我看到那里的人们处理玻璃破损到多百万英镑的火焰,无论它是什么。这些人可以怎么样?他们必须脑子大小。你意识到他们实际上是他们'刚刚逐回来。那里没有很多原创思想。有很多人只是满足于做一份工作并回家。足够公平,但我不'知道,我觉得大多数人'd be like me, I'除非我能成为最好的东西,否则我对做任何事情并不是真的很感兴趣。如果我们在这里,我们到底在做什么'重新尝试这样做?所以我觉得它's around the fact that you need to really understand it to change it.

09:00 PS: We'我们不是技术公司,我们'重新由保险人组成,只是几个幸运的休息......好吧,有时你必须与你的胆量本能一起做出决定。所以我在2012年之前买了一家澳大利亚初创公司的收入预约,但我从那个跑它的家伙那里买了它,他是别的东西。他'不是最容易管理的,但他'非常棒。以及我们做的原因之一是因为我们在陆上所有的发展,每个人都被公司雇用,这是所有陆上,与开发商非常密切的关系'基本上保险人有一些真正聪明的技术人员。但是你需要了解他们认为他们可以在保险中赚钱的人可能会倾向于互联网,分销模式,所有这些东西。但如果你'重新在索赔中做任何事情,你'真的很想知道你是什么'在你开始之前做的事情,别的'll fail.

10:09 Robin:我不想解散我们的任何初创朋友。但是,为什么初创企业在索赔中没有相同的影响,因为它们可能在业务的前端和数据空间周围?

10:21 PS: Well, I think that in claims, I see quite a lot of individual applications, but you'得到了遗留技术。你今天可以购买的东西是遗产。所以10-15岁,甚至25-40岁。您将如何将创新的决策软件机器学习进入导游或鸭鱼或者'S会花费保险公司绝对财富。它's将解决该过程的一小部分,它'没有改变世界。你'重新继续作为客户的旅程's bad, it's bad, it's bad, it'S BAD - 哦 - 自动决定或类似的东西's great. I've got an instant response - bad into BAU.

11:10 PS: So again from experience, I wanted the complete platform, I wanted everything included and I knew it takes a lot of doing, but actually it'■通过将所有这些数字工具嵌入自配置平台内的所有这些数字工具,唯一的方法。那'真的是变革的。然后'为什么你需要很多耐心和许多钱,但我们'现在有全球运营商的技术,英国十二位汽车保险公司中有六家,有六个美国的运营商和那样的东西,所以我们可以看到它转向。但是上帝's been stressful.

11:56 Robin:所以我一直在说我们在大约15年的时间里没有一次,但未来的外观如何,我们真的在索赔的道路上真正处于一种转型的边缘有薪酬的?保险公司与创新者之间的关系如何在未来几年中从这里发挥作用?

12:15 PS: Yes that's interesting, there'很多投资于遗留技术,但它就不起了'T做你想要的事情,如果你试图让它做你想要的事情,它'它会昂贵,它'S会受到损害。你真的想从干净的表格开始's not many people that can give you a complete clean sheet platform, which is the problem.

12:40 PS: I actually feel for those people that may have a good idea or may have a nice bit of technology, but they must find it terribly difficult trying to penetrate insurers with their legacy technology. I'LL告诉你一个可能总结一下的故事。因此,对于全球保险公司来说,我们得到了全球索赔经理的支持,并在2017年夏天,他们说,"We'重新授权在全球范围内授权您的平台,因此除非他们使用平台,否则没有人可以做任何事情。如果他们想做一些不同的事情,他们必须把他们的案子到董事会。"哦,所以我们想,"伟大的是的,我'我下周要退休。" But what happened was the grant we were taking was immediately re-taken by a massive IT department, a spend of three billion pounds on IT. And we made them irrelevant. We are making them irrelevant for claims.

13:46 PS: We only needed to plug in the internet. And so they re-took it, "哦,我们可以这样做,我们可以这样做。"那里有两年'没有他们的嗅觉'在做。所以你参与这个级别的动力播放政治,那'也不容易,但你必须继续在你相信的地方工作'在做。但我会说'在那里的任何人都很难'获得单个应用程序,因为难以使它们反对传统技术的背景和那里'这么大的资金也投入了现状,以及复杂性。这是一个大消息'不复杂。您可以简化一切。像鸭子一样,我们在水下做了所有的划桨。世界已经改变了。它在过去三年里完全有所改变。现在只有一个梦想是日常现实。和你'面临着思考的人'比它更复杂,而且他们不't believe you, but they do when they get involved with it.

15:00 Robin:Paul谢谢,我们已经没时间了。保罗斯坦利,非常感谢你。

15:03 PS:谢谢,大家,谢谢。

15:08 Robin: Now we just told you that it'初创公司真的很难闯入索赔世界。所以接下来,我们今天举办了6000万美元。他们已经闯入了索赔世界。索赔空间中没有其他人正在提高那种现金。一世'll let you guys introduce yourselves. But what we really want to know is, how do you make yourself worth $60 million and how are you going to spend it?

15:35 Jeff: Wow, [chuckle] interesting, and thanks for putting us on the spot, but actually I'M将开始与我们要花的东西开始吗?所以昨晚,我们通过芦荟的时尚庆祝,通过享受所有可以吃的中国自助餐,这是我们现金的开始。但实际上真的对我们来说,这个故事开始就像所有好故事一样,它真的是关于在合适的时间在正确的地方。所以我们有三个创始人,我们 're all 28, 29 and 29, and they were working for AXA Insurance in Paris as interns, and their job really was to find a global fraud solution that met the needs of all the global customers for AXA. So, this in itself was a task, and I think about eight months in there was nothing actually out there that met the complex needs of an insurer of today to be able to industrialise the process. It is very manual.

16:39 Jeff保险。因此,我们花了大约八个月的时间来创造一个可以在几款业务中工作的解决方案。我们从头部开始,真正的开始,因为作为调查结果的一部分,我们确切地了解了保险公司所需的能力能够进入这一领域。而且我想从那时开始快速转发,从匡威和瘦牛仔裤,今天我们穿着套装和衬衫和我们的保险公司客户穿着瘦牛仔裤和匡威,所以它有趣的事情发生了变化。我认为就像每个人都说,它是一个艰难的市场,它有时候是一个艰难的市场,因为我们看到了我们想要做的事情,而是为了达到这些步骤,我们真的必须跳过一些篮球到达那里。

17:56杰夫:所以今天我们已经进展了,我们昨天提出了我们的系列,我们有一个新的VC,贝塞姆尔,已委托我们投资6000万。我想回答这个问题,我们在哪里花钱?我们花了那些钱。所以最初我们从四个人开始,今天我们有215人。从客户的角度来看,这真的是说,而其他人有汽车,班次有车和司机。我们称自己为SaaS +解决方案,因此我们提供数据科学家以及我们所有的客户。

18:42 Robin:你的200,有多少数据科学家?

18:44 Jeff: So today we have 215 people and 110 of those people are data scientists. And with all start-ups really we'基本上没有关于我们所做的利润,但实际上是我们所做的规模。所以我们'几乎是这种企业的虚假经济'没有真正判断利润,而是在缩放上判断。今年,我们的目标是到今年年底达到400人。所以它'我作为导演和托马斯的责任's responsibility to make sure that we bring more people to Shift, and this is particularly difficult for us, as much as creating the technology.

19:26 Robin:以及产品中的内容?你只是坚持索赔欺诈,还是你要从那里爆发?

19:33 Jeff: Okay, so fraud really is the first step of automation for us. So it'关于工业化的过程是一个非常手册的过程。所以那一刻的缩影真的是我们的首席执行官的杰里米。他的第一个保险索赔是在巴黎公寓的洪水,这是一个完整的噩梦。我赢了'给你法国术语,但它'也许也不礼貌。所以那个年龄的人试图记录索赔几乎是不可能的。所以'我们决定工作的一个地区。我们相信让您的房子才能确保您有严格的前进过程,实际上是自动化的第一步。所以欺诈是't really considered like that by people, but really it is a process for us.

20:21 Jeff: And considering actually that 10% of people, between 10 and 20% let'S表示,正在欺诈,80%的人不是欺诈,所以对我们来说,它'还有关于,我们如何奖励人?当然,在英国市场,聚集器网站让我们每年都要在价格竞争力的基础上更改我们的保险公司,我们如何将自己与保险公司区分开来,以便能够保持客户?所以我们想照顾80%的人。我们想这么说,"如果你 '做正确的事情,我们如何直接进程您的索赔可以实时支付你?"

21:00 Jeff:因此Shift提供了一种清洁度,允许人们在实时处理他们的索赔,以便能够支付客户。这在索赔中的索赔尤其良好,这是我们迈向武力的第一步,这是我们的欺诈检测解决方案并进入卢克。和卢克是我们索赔自动化解决方案。那么你'我们可能已经锻炼,我们是巨大的星球大战球迷和明星尘埃是该计划的名称。我们昨晚谈了它,我想我们're going to run out of names eventually.

21:51 Thomas: And since you mentioned Luke. Luke is all about our solution for claims automation. And it'欺诈检测的逻辑下一步是欺诈检测,这一切都与我们所知道的,围绕文本识别以及文本识别,仍然存在良好的下一步。特别是权利要求。当然,那里'S的图像识别也是如此,对于我们来说,欺诈检测之后的扩展实际上是从第一张损失通知到文本认可的完整过程。然后,具有实际的ai,不仅可以提取内容,而且还可以自主地决定它不起作用't真的很准确地识别什么's in that particular case and so it hands over to a human claim handler. And that is where, again, some of our experience comes in from the fraud detection part, which is all about enabling investigators to hand over efficiently and effectively to a human claim handler, so he can really take the next steps as effectively as possible.

23:37 Thomas: And the Luke claims automation is, of course, not 100% claims automation that will make us all useless, but in fact, it takes on the routine work that it can detect and identify and everything else where, on its own, it understands that it’s accuracy wouldn'达到我们的99%'re aiming for, it passes on to a human claim handler. And thereby allowing insurers to clearly separate which part of the process is handled automatically or is still handled by a human claim handler.

24:26 Jeff: And Luke was designed specifically this way, so as far as we know, it'唯一有能力的唯一一个,"我不't know,"它不是一个错'S实际上以这种方式设计。因此,我们必须在我们的置信水平中保持至少99%的准确性'重申正确的决定。所以我们会说的是,目前,60%的索赔的数字是99%的准确性。另外40人在学习和我们'继续这样做,但实际上我们可能会说10到20%的权利要求实际上是以数字数字报告的。所以's a learning process for us.

25:08罗宾:伙计们,谢谢。杰夫和托马斯,非常感谢你。

25:11杰夫:谢谢,罗宾。

25:12托马斯:谢谢。

25:16 Robin: Next up we'从Previsico获得了Avi Baruch。来告诉我们什么's going on.

25:22 Avi Baruch: Hello, thank you very much. It'非常具有挑战性,跟随一个人'刚刚宣布他们've筹集了6000万。所以我'我会尽力不要被诅咒。所以我认为这是一个更多人,特别是在洪水行业的问题,现在在2019年越来越多地问自己,是,"如果你知道街头会泛滥的街道,在风暴事件实际命中之前,你会怎么做?" I know from my perspective, the first thing I would do is, I would move my car, I would go home and move my TV and get my family out of there.

26:01 AB: And I think this is something that we should all be thinking about because that'S技术肯定是在哪里。所以他们提到了,我'm Avi, I'M PrevisiCo的首席运营官。我们 're a spin-out company from Loughborough University, who have taken our solution, which is called Flood Map Live, to market. We just launched this year in January. But the project has been ongoing for about 17 years, working on using a flood modelling system to predict exactly what streets will flood and in real-time. So globally flooding costs the global economy $90 billion a year.

26:43 AB: And that'S崛起非常明显'预计到2050年的人数至少是千兆。在我看来,那些是非常保守的估计,因为他们不是't include many of the other sorts of impacts that we see from flooding. And my imagery when I see flooding, especially in the TV is just cars bobbing up and down the streets, people looking devastated and showing us their homes, which are full of damages. And all of these, most of the vast majority of these are avoidable. I was in Carlisle after the Storm Desmond floods in 2015, and all you could see across all the streets were skips full of TVs, full of furniture, full of treasured belongings and sentimental items.

27:28 AB: In my opinion, none of them should have been in the skip, they should have all been protected and avoided. And I think that'我们的一部分'曾经习惯了,特别是在泛洪时,能够采取可行决策来减少我们的风险并没有正确的洞察力。目前,那's why there's so much work going into flood forecasting and some really good schemes in place such as the European Flood Warning System, it has generated returns of investment for $400 euros for every euro that was invested in it.

28:00 AB: The challenge with especially these sort of systems is that often for rivers and the sea, where you can detect how the levels are changing and then, based on a few pre-run scenarios, it is able to tell people roughly which areas are going to be affected. I have flood alerts on my phone, and they'始终嗡嗡作响。我可以在阳光灿烂的日子和山顶上山顶'我仍然得到一个警报,说你're at-risk. And that'问题的一部分,我们刚刚获得了这么多的误报,至少从与卡莱尔的人交谈,那's the sort of issue that they were having.

28:36 AB:地表水的问题甚至更糟糕。所以在地表水中,我们没有得到任何高分辨率的影响,我们只是获得国家评估,因为表面水可能很难预测。降雨预测的每小时变化都可以大量影响受洪水影响的街道类型。所以我们在Loughborough大学所做的事情,我们制作了一个系统,它采用不同的天气场景的组合,并将它们的实时模拟它们实时模拟它们,以产生一张地图,显示到哪个街道处于风险,何时产生这种可操作的洞察力;最糟糕的情况和最佳案例场景。

29:15 AB: And that was done together with a cabinet office to help emergency responders be able to tackle flooding. And that project was very successful so we got to innovate UK funding, to form the spin-out, and the insurance claims industry is a very good place to then take that to market. We'一直在谈论一些保险公司,我想在那里'S一直很兴趣,特别是在帮助申请方面。所以我认为一个特定的领域,以及了解哪些地区会受到影响,因此我们知道在哪里发送损失调节器,是警告客户。我觉得'在洪水之前,在洪水和实际发生的索赔之前,告诉客户,这真的很重要,"您的街道今天下午3点处于危险,请尽可能多地降低风险。"我认为这可以从根本上改变这种关系保险公司与他们的客户有关'我真正认为很久以前应该发生的关系's certainly possible now with the latest technological innovations.

30:18 AB: So that'真的在哪里我希望我们 'll去。例如,如果我们看,例如风暴德尔蒙德,它耗资了英国保险业13亿美元。所以,如果在我的情况下,我会've可能通过提前行动至少10%的成本,这可能节省了1.3亿美元,这样's quite conservative. So I certainly think that this solution can have a lot of impact for the claims industry. So thank you very much for listening.

30:44 Robin:谢谢。

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