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6人のリーダーから聞いたInsurtechのこれから

 6人のリーダーから聞いたInsurtechのこれから

2021年12月15日に開催したフィンテックエンジニア養成勉強会#20のトーク「6人のリーダーから聞いたInsurtechのこれから」(Plug and Play Japan Chang Liさん)の発表スライド。
https://fintech-engineer.connpass.com/event/228873/

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Transcript

  1. 6ਓͷϦʔμʔ͔Βฉ͍ͨ
    Insurtechͷ͜Ε͔Β

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  2. Stay in touch
    Chang Li


    Director


    Insurtech


    [email protected]

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  3. Strictly con
    fi
    dential
    3
    w ೥ୈʙ࢛൒ظͷ౤ࢿࢿۚྔ͸ɺ*OTVSUFDI౤ࢿ্࢙ɺ୯೥౓ͰॳΊͯԯυϧ ஹԁ
    Λ௒͑ͨ
    Welcome to the Unicorn Club!
    Insurtech Global Trend : Most Capital has been put in historically!

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  4. Strictly con
    fi
    dential
    4
    What’s after Unicorn?

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  5. Strictly con
    fi
    dential
    P2P Insurance
    On-Demand
    Sales Support
    CRMɾPolicy Management Tool
    UBI Insurance
    Robo Advisor
    Both
    P&C L&H PNPJ Batch Startups
    Digital Distribution
    As of Dec 2021
    When do we have
    fi
    rst Insurtech Unicorn in Japan?

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  6. Evolution in Insurance caused by technological Innovation
    Cloud Machine Learning/AI IoT/Wearable/ARɾVR Blockchain
    Advanced Medical
    Technology(e.g.Genome)
    ঎඼։ൃ/Ξϯμ
    ʔϥΠςΟϯά
    νϟωϧ/


    ސ٬ؔ༩
    ΦϖϨʔγϣϯ
    ৽نࣄۀ


    (঎඼ɺαʔϏ
    εɺϦεΫͳͲ)
    Technology
    Insurance Value Chain
    On-Demand Insurance
    Web Comapring
    Health expectancy Linked Insurance
    Sales Support
    Robo-Advisor
    P2P Insurance
    Smart Contract
    PRA Digital Medical Record
    Health Promotion/Prevention
    Health Data Acquisition
    Risk Mitigation
    Chatbot
    Genome Insurance
    Contract
    Management
    Both Life/P&C P&C Life
    CRM Tool
    UBI Insurance
    De
    fi
    Insurance
    CyberSecurity Changing Behavior
    Fraud Detection
    Climate Change
    COVID-19

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  7. Strictly con
    fi
    dential
    Who is leading Insurtech?
    7
    ঎඼։ൃ/


    ΞϯμʔϥΠςΟϯά
    νϟωϧ/ސ٬ؔ༩
    ΦϖϨʔγϣϯ


    ৽نࣄۀ
    ελʔτΞοϓओಋ อݥձࣾओಋ
    Health Data Acquisition
    Health expectancy Linked Insurance
    Health Promotion/Prevention
    P2P Insurance
    UBI Insurance
    Robo-Advisor
    Changing Behavior
    CyberSecurity
    Genome Insurance
    COVID-19
    Sales Support
    Web Comapring
    On-Demand Insurance
    CRM Tool
    Fraud Detection
    Chatbot
    Risk Mitigation
    Digital Medical Record
    PRA
    Climate Change
    ҰൠతʹੈؒʹࢥΘΕ͍ͯΔอݥۀքͷ՝୊ʹ
    ண໨(e.g.஋ஈ΍αʔϏεͷಁ໌ੑ)


    INSURTECH = INSURANCE + TECH อݥۀքͱͯ͠ͷ՝୊ʹண໨(e.g.৽
    ͍͠Ϛʔέοτ΁ͷϦʔνΞ΢τɺ
    ސ٬ͷϥΠϑελΠϧมԽ΁ͷରԠ)


    INSURTECH = INSURANCE + ແݶ

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  8. Strictly con
    fi
    dential
    8
    Insights from Industry Leaders
    Insurtechؔ࿈ελʔτΞοϓCEO 2ਓ


    େखอݥձࣾ໾һ2ਓ


    େखอݥձࣾCVCࣾ௕1ਓ


    InsurtechΠϯΩϡϕʔγϣϯco-Founder1ਓ
    🇺🇸 🇯🇵
    🇺🇸
    🇯🇵
    🇯🇵

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  9. Strictly con
    fi
    dential
    2022೥Ҏ߱อݥۀքͷಈ޲
    ଛ֐อݥɿ͔ͳΓຊؾ


    • ؔ৺ྖҬ͸Insurtechاۀ͔Βอݥۀք֎ͷελʔ
    τΞοϓʹ஫໨


    • อݥձ͕ࣾ࣋ͨͳ͍σʔλΛڧΈͱ͢Δελʔτ
    Ξοϓ΁ͷΞϓϩʔν͕ଟ͍


    • ւ֎ελʔτΞοϓʹؔͯ͠͸೔ຊࢢ৔ʹؔ৺༗ແ
    ʹؔ܎ͤͣ೔ຊࢢ৔ਐग़ͷख఻ؚ͍ΊͯΞϓϩʔν


    • ؔ৺ྖҬ͸ձࣾʹΑͬͯೱ୶͋Δ͕ɺ৽͍͠ϞϏϦ
    ςΟɺؾީมಈ΁ͷΞϓϩʔν͸͜Ε͔Β΋௕͍ظ
    ؒʹΘͨͬͯॏ఺తͳྖҬ


    • ଛ֐อݥձࣾ͸InsurtechΛ௨ͯ͡ϦεΫΛະવʹ
    ๷͗ɺܰݮ͢ΔιϦϡʔγϣϯʹॏ఺Λஔ͖·͢
    ੜ໋อݥɿ͜Ε͔Βຊ֨Խ͢Δ


    • ੜ໋อݥͷ෼໺ʹ͓͍ͯ͸ɺ·ͩڴҖ͸ݱΕ͍ͯͳ͍࣮
    ײ


    • ੜ໋อݥ͸DXͱΠϊϕʔγϣϯͱ͍͏఺Ͱ͸ɺ࢝·ͬͨ
    ͹͔ΓͰฏۉͯ͠ଛอΑΓ10೥ఔ౓஗Ε͍ͯΔ


    • ސ٬χʔζͷଟ༷Խɺ೔ৗੜ׆ʹ͓͚ΔΑΓଟ͘ͷ઀఺
    ࡞ΓʹରԠ͢ΔͨΊɺগ୹Λ্ཱͪ͛ͨอݥձ͕ࣾଟ͍


    • ੒௕ΛՌͨͨ͢Ίʹ͸ɺ؀ڥʹେ୾ʹରԠͰ͖Δֵ৽Λ
    ى͜͢΂͖


    • ถࠃͰ͸COVID-19ͷӨڹͰB2BInsurtechاۀͷ੒௕ʹ
    د༩

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  10. Strictly con
    fi
    dential
    ελʔτΞοϓ<>อݥձࣾڠۀͷίπ
    ελʔτΞοϓ


    • ܏ௌɺϓϩμΫτɺϏδϣϯΛେ੾ʹ͍ͯ͠Δɻ·ͣ͸େख
    อݥձࣾʹࣖΛ܏͚ɺ൴ΒͷਅͷχʔζͱߦಈύλʔϯΛཧ
    ղ͢Δ͜ͱ


    • զʑ͸ΫϥΠΞϯτͷࣾ಺νʔϜΑΓ΋อݥۀքͷΠϊϕʔ
    γϣϯ΍DXΛߟ͍͑ͯΔ


    • ܾࡋ͕௕͍ձࣾͱૣ͍ձࣾΛݟۃΊɺಉ࣌ʹΞϓϩʔν͢Δ
    ͜ͱʹΑΓϏδωεϦεΫΛίϯτϩʔϧ


    • ϥΠτύʔιϯʹग़ձ͏·Ͱʹಉ͡อݥձࣾͷதͰ1ਓʹஅ
    ΒΕͯ΋ෳ਺ਓͱ઀఺Λ࡞Γɺ࣋ͭ͜ͱ
    อݥձࣾ


    • ελʔτΞοϓͱͷڠۀ͸ਖ਼ղΛݟ͚ͭͷͰ͸ͳ͘ɺਖ਼ղΛ
    ࣗ෼Ͱ࡞͍ͬͯ͘ඞཁ͕͋ΔɻͦͷͨΊɺ͍ΖΜͳελʔτ
    ΞοϓΛൺֱ͢Δ͚ͩͰ͸Կ΋Ͱ͖ͣɺΉ͠Ζࣗ෼Ͱߦಈ͠
    ͯελʔτΞοϓͱҰॹʹਖ਼ղΛ࡞ͬͯߦ͔ͳ͍ͱ͍͚·ͤ
    ΜɻอݥձࣾʹݶΒͣ೔ຊͷେखاۀ͸ؼೲ๏Ͱ࢓ࣄΛ͢Δ
    ͷ͕ಘҙͰ͢ɻ࣌ؒ΋ͳࣦ͘ഊ΋Ͱ͖ͳ͍ͨΊز͔ͭൺֱΛ
    ͠ɺҰ൪ྑ͍બ୒ࢶΛ্࢘ʹઆ໌͠ɺଥ౰ઢΛݟ͚ܾͭఆ͠
    ͍ͯ͘Θ͚Ͱ͢ɻ͜ͷ΍ΓํΛମಘ͢Δ͜ͱ͕೔ຊͷαϥ
    ϦʔϚϯʹ͓͚ΔʮࠇଳʯͰ͕͢ɺͦͷʮࠇଳʯΛࣺͯͳ͚
    Ε͹͍͚·ͤΜɻ


    • ਖ਼ղΛબͿͷͰ͸ͳ͘ɺҰॹʹ൐૸ͯ͠ਖ਼ղΛ࡞Δɻ΋͠ବ
    ໨ͩͬͨΒ໭Γɺҧ͏ํ๏Ͱ΍Δɻ͜ͷ܁Γฦ͠Ͱ΍͍ͬͯ
    ͘͜ͱ͕ԋ៷๏తΞϓϩʔνͰ͢ɻ

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  11. Strictly con
    fi
    dential
    InsurtechελʔτΞοϓʹ͓͚ΔגՁͷϘϥςΟϦςΟʹ͍ͭͯ

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  12. Strictly con
    fi
    dential
    InsurtechελʔτΞοϓʹ͓͚ΔגՁͷϘϥςΟςΟʹ͍ͭͯ
    ςοΫɾίϛϡχςΟͱอݥͷߟ͑ํͷໃ६


    • ٕज़ܥίϛϡχςΟɿࢢ৔γΣΞΛ֫ಘ͢Δඞཁ͕
    ͋ΓɺҰ࣌తͳ੺ࣈΛྑ͠ͱ͢Δ


    • Insurtechɿن੍͕ݫ͘͠ɺকདྷͷଛࣦΛࢧ෷͏ͨ
    Ίͷࢿຊ͕ඞཁɻͦͷͨΊʹ͸ɺΞϯμʔϥΠςΟ
    ϯάͱϦεΫϚωδϝϯτΛվળͯ͠ɺऩӹੑͷ֬
    อɺ௕ظతʹݟͯଟ͘ͷϩΠϠϧΧελϚʔΛੜΈ
    ग़͍ͯ͠Δ͜ͱΛূ໌͢Δඞཁ͕͋Δ


    • ΠϯγϡΞςοΫ͕੒௕͢Ε͹͢Δ΄ͲҰ࣌తͳଛ
    ࣦ͕େ͖͘ͳΔݒ೦͕͋ΓɺגՁͷϘϥςΟϦςΟ
    ͸ͦͷΑ͏ͳෆ࣮֬ੑΛ൓ө͍ͯ͠·͢
    SPAC໰୊΍גओྲྀग़


    • Insurtech͸SPACΛ׆༻্ͯ͠৔͍ͯ͠Δاۀ͕ଟ
    ͍͕ɺSPACࣗମ͸ݱࡏջٙతͳ໨ͰݟΒΕ͍ͯΔ


    • SPAC͸ҰൠతͳIPOʹൺ΂ͯඞཁͱ͞Ε͍ͯΔ։ࣔ
    ৘ใ͕खଓ͖͕গͳ͘ɺεϐʔυײ͕͋ΔͨΊ2021
    ೥࢝ࠒʹถࠃͰඇৗʹྲྀߦ͍͕ͬͯͨɺݱࡏ͸SPAC
    ্৔ͷฐ֐͕ݟ͖͍͑ͯͯΔ


    • ถࠃͰ͸ελʔτΞοϓ্͕৔ͨ͠ޙ΋ɺ໿೥40%
    ͷ੒௕཰͕ٻΊΒΕ͍ͯΔͨΊɺܾࢉൃදͷͨͼʹ
    גओͷظ଴஋Λ௒͑ΒΕͣInsurtechྖҬ֎΁ͷ౤
    ࢿ΁ྲྀΕͯ͠·͍ͬͯΔ܏޲͕͋Δ

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  13. Strictly con
    fi
    dential
    InsurtechελʔτΞοϓͷىۀՈਫ਼ਆ
    ىۀ͢ΔͨΊʹେ͖ͳ৴೦Λ͍࣋ͬͯͳ͚Ε͹ͳΓ·ͤΜ͕ɺಉ࣌ʹ௧ΈͷهԱ͸୹͘ͳ͚Ε͹ͳ
    Γ·ͤΜɻ


    อݥۀքΛม͑Δ͜ͱ͸ɺ୹ظతͳເͰ͸͋Γ·ͤΜɻԿ͔Λૣ͘੒͠਱͍͛ͨͷͰ͋Ε͹ɺ
    Insurtechۀքʹ͸ೖΒͳ͍ํ͕͍͍ͱࢥ͍·͢ɻ͔͠͠ɺࢲ͸อݥۀքʹมԽΛى͜͢͜ͱ͸ͱ
    ͯ΋༗ҙٛͰɺૉૣ͓ۚ͘ΛṶ͚Δ͜ͱΑΓ΋໘ന͍ͱࢥ͍·͢ɻ


    ελʔτΞοϓͰ͋Δ͜ͱʹରͯ͠2ͭͷ৺ߏ͕͑͋Γ·͢ɻ1ͭ໨͸ɺࣗ෼͕ొΓ͍ͨͱࢥ͍ͬͯ
    ͨࢁ͕ɺඇৗʹՁ஋ͷ͋Δ΋ͷͰ͋Γɺղܾ͢΂͖໰୊͕໌֬Ͱ͋ͬͨ͜ͱΛೝࣝ͢Δ͜ͱͰ͢ɻ
    ࣗ෼͕ԿΛ͍ͯ͠Δͷ͔͕Θ͔Βͳ͘ͳͬͯ͠·͏ͱɺ৺͕ંΕͯ͠·͏͜ͱ͕͋Γ·͕͢ɺϛο
    γϣϯ͕͸͖ͬΓ͍ͯ͠Ε͹ɺ࠳ંΛ৐Γӽ͑ΒΕ·͢ɻ
    ΋͏1ͭ͸ɺ౤ࢿՈ΍ސ٬͔Βͷ৴པɺ৽ͨͳνʔϜϝϯόʔ͕δϣΠϯͨ͜͠ͱͳͲɺখ͞ͳউ
    རΛੵΈॏͶɺͦΕΛײँ͠ɺਐΊଓ͚Δ೩ྉʹ͢Δ͜ͱͰ͢ɻ

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