Las compañías de seguros de todas las regiones coinciden en que el International Finance Reporting Standard 17 (IFRS 17) va a provocar cambios radicales en la manera en que han operado y generado reportes financieros por décadas. Ya que el estándar busca elevar la transparencia financiera del sector, cada aseguradora
Insurers are bracing for serious change as customer journeys continue to transform. IDC FutureScape predicts that by 2024, 50 percent of all policies of non-life and life insurers will be sold through a fully automated personalized insurance engine and client-guided customer journeys, creating stronger brand loyalty. A progressively more complex
Según la Asociación de Certificadores de Fraude, el tiempo promedio que toma descubrir un fraude es de 18 meses. Hay casos en los que nunca se detectan los fraudes porque no se tienen los sistemas o soluciones para ello. Esta asociación, que es la mayor fuente de información y análisis
La tecnología o la experiencia de cliente son algunos de los factores que más peso están adquiriendo en la evolución que vive el sector Seguros. Así, en los últimos años estamos observando un interés cada vez mayor en la ciencia de datos y aplicaciones de machine learning de las compañías
Money laundering is a growing threat within the insurance industry. The regulatory framework within banking is adding stronger controls and governance processes which will encourage launderers to seek alternative areas to launder funds. While insurance presents a different type of Anti-Money Laundering (AML) risk, the risks still exist. Long considered
En el sector Seguros el precio es fundamental. Se trata de un tipo de productos que los clientes saben que es necesario contratar, pero esperan no tener que usarlos nunca, por lo que, en teoría y tradicionalmente, quieren pagar por ellos lo menos posible. Por su parte, las compañías de
En los últimos años estamos asistiendo a una profunda transformación del sector Seguros, impulsada fundamentalmente por la tecnología. Gracias a ella, las organizaciones ya disponen de información de gran valor que les permite adoptar un enfoque mucho más centrado en el cliente e incluso anticiparse a sus necesidades. Pero para
“Diga-me com quem andas e te direi quem és” é um provérbio popular vastamente conhecido e um consenso entre várias pessoas. Porém, será que essa máxima é verdadeira em todas as situações? Se assim o for, como poderíamos empregar essa relação nas atividades de prevenção a fraude e outros crimes
Mergers and acquisitions are difficult to pull off, but they can impress when the right strategy is applied. And analyzing your data almost always helps with the right strategy. In the first eight months of 2021, publicly announced M&A activities were valued at more than $3.6 trillion globally and $1.8
The relationship between insurance companies and their clients has always been tricky due to several factors. But just like any other sector today, insurance organizations are transforming with digital technologies – and these solutions are customer-centric. What’s in store for customer relationships in the insurance industry? Keep on reading to
Skąd się wzięła i czym jest analiza śledcza, zwana także analizą kryminalną? Potrzeba stworzenia takiego narzędzia zaistniała w końcu lat 60-ch w USA i została wyartykułowana przez organy ścigania. Była ona spowodowana rozwojem przestępczości zorganizowanej, dużą liczebnością i skomplikowaną strukturą grup przestępczych oraz transgranicznym charakterem przestępstw, w czym przodowała włoska
Estamos acostumbrados a hablar de la aplicación de la analítica avanzada a distintos procesos o funciones dentro de la empresa. Sin embargo, no es tan habitual hablar de los beneficios que su uso tiene en un ámbito como la fiscalidad. Y es que, al igual que en otras áreas, la
The pandemic has definitely left its mark on the scale of the fraud we’re witnessing in the insurance industry. The key reason behind this is the economic recession. Whenever we observed a decline in a country’s GDP, an increase in fraud rates followed. When GDP fell by an average of
When considering anti-money laundering operations, it’s not unreasonable that most people would probably think first of banks and other financial institutions. These organizations are probably the most obvious place to deposit large sums of money, including those obtained from criminal activities. And are therefore the most important first line of
SAS and Microsoft empower you to make better, faster decisions with unique enterprise decision management.
See how analytics fights back against ever-changing fraud trends.
The process changes that are taking place in the insurance world are massive. More and more insurance companies allow for remote sales of life products and entire sales processes have been simplified for the benefit of the customer. However, opportunities for abuse arose with them as well. A simpler process
"According to Gartner, “over 50% of senior marketing leaders are unimpressed with the results they receive from marketing analytics investments” – yet most companies expect to increase these investments over the next few years. How can we avoid throwing good money after bad?" By Oliver Sheerin, Senior Customer Intelligence Advisor, SAS. When
Uma das profissões mais cobiçadas e bem remuneradas atualmente é a de Cientista de Dados. Grandes empresas de telecomunicações, instituições financeiras e redes de varejo estão formando times com estes profissionais, e o movimento não é restrito às grandes corporações. Empresas médias também estão sedentas em busca de cientista de
By Adam Goldsmith, Insurance Specialist, SAS UK & Ireland Insurers have the near-impossible task of keeping customers satisfied with the service they're given whilst ensuring costs are controlled to ensure profitability. At the point a customer makes a claim, it is at a point of high stress and emotion, but
Munich Re (Dr. Nivien Shafik), pronovaBKK (Stefan Lodyga) und AOK Rheinland-Hamburg (Verena Kartz) geben Impulse.
An ideal quartet formation of a rock band consists of a voice, an electric guitar, a bass, and a drum kit. What else do we need to enjoy our favorite tunes and get inspired? There's another great quartet that could bring you fresh ideas and that is the insurance industry.
It is widely recognized that the right price is crucial in insurance. Insurance is what is known as a ‘grudge purchase’: customers know it is necessary, but they hope never to use it. This traditionally and theoretically means that they want to pay as little as possible for their insurance
Actuarial practice has always been analytical—so how much is advanced analytics disrupting this element of insurance? We discussed this issue in a recent #SASchat. The importance of competitive pricing Analytics is now being used in more and more areas in insurance, and particularly to tailor pricing more precisely to customers’
Im Gespräch mit Norbert Pieper, Sprecher für Versicherungsaufsicht bei der BaFin.
Data science expert Andy Pulkstenis describes how to skip common machine learning mistakes.
SAS System Engineer Sophia Rowland reveals how to embed decision flows into webpages and applications using the Microsoft Power Platform for a better customer experience.
El fraude es considerado el principal flagelo del sector asegurador en la actualidad. Un estudio publicado por la Asociación de Certificadores de Fraude de Estados Unidos (ACFE) habla de pérdidas estima las pérdidas anuales por fraude en 3.600 millones de dólares y eso solo tomando en cuenta cerca de 2.500
The introduction of the Financial Conduct Authority (FCA)’s new policy on pricing practices in the general insurance market is one of the biggest shake-ups the insurance industry has seen in more than a decade. It’s not just a significant implementation challenge that needs to be delivered in a short deadline.
Las aseguradoras afrontan desde hace tiempo una continua batalla contra diferentes tipos de fraude. Fraude en los siniestros, fraude en la suscripción de póliza, ciberataques, fraude interno, etc. En Estados Unidos, un estudio de la Coalition Against Insurance Fraud lo estima en un total de 80.000 millones de dólares. El
