序言:随着科技进步对保险业影响的逐步加深,“保险科技”已成为行业“热词”。从数字驱动到产业颠覆,从智能化应用到行业监管……各种观点不断涌现。北京保险研究院作为保监会打造的支持保险业改革和发展的高端智库,通过对“保险科技”及其深远影响的全局性、前瞻性分析与思考,也形成了一系列观点,并将于近期召开以《风险变异――保险生态的科技重构逻辑》为主题的大会。
Lemonade: The Mobile-Based, AI-Fueled Insurance Industry Disruptor
Lemonade,一个基于移动端、利用AI的保险行业颠覆者
作者:Dr. Robin Kiera
译者:易晨
本文中文版版权归北京保险研究院所有,转载请标明出处
Lemonade, the mobile-based, peer-to-peer insurance startup has been been dubbed, “The Uber of insurance”. Providing consumers with policies at a fraction of the cost of what competitors offer, can this start-up disrupt a major category of financial services?
Lemonade,这家基于移动端,P2P的保险初创企业被誉为了“保险业的优步”,为消费者提供了价格远低于竞争者的保险协议。这家创新公司能否颠覆这个金融服务的主要领域?
It has been said that complacency in financial services has created an opportunity for disruption by start-ups. And that ‘business as usual’ is the death spiral for legacy organizations … no matter what industry, and no matter what size organization. We see this cultural challenge in all financial services categories, and in all types of organizations.
有种说法,是由于金融服务领域的自满,才为颠覆性初创公司提供了机会。“如往常一样”似乎成了传统企业的死亡漩涡,无论什么行业,也无论公司有多大。我们看到了这个文化正在对所有金融服务领域、所有类型的机构发起挑战。
We have seen that innovative firms change their business models, products and servicesbefore it is required, usually expanding beyond traditional comfort zones. The traditional model of avoiding risks must be put into context with the need to change as the marketplace changes. Clayton Christensen has a great quote on this principle,
我们已经看到了那些创新型企业在需求出现之前就改变了他们的业务模型、产品以及服务,通常都远远超出了传统企业的舒适区。这些规避风险的传统模型由于市场的改变,必须被放在不断革新的环境下。克莱顿•克里斯坦森(Clayton Christensen)对这个原则做出过经典描述:
“It’s not incompetence, but competence, that causes companies to be disrupted. That applies to big companies and small, as well as people too.”