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用区块链和人工智能颠覆传统保险市场
2019-01-12

当整个链圈和币圈都在疯狂地追逐财富效应时,很少人能潜下心来,去关心区块链技术对一个垂直行业的真实影响,尤其是习惯了一个个熟悉的生活场景后,太多人因此失去了对生活痛点的些许感知。

我始终有个观点:创业者的使命担当在于,通过创业这种可持续的经济行为,帮助更多的人享受福祉。尤其是当一项新技术映入眼帘时,创业者应该敏锐的把它转化为践行该使命的有效杠杆。实际上,就像区域经济的发展不均衡一样,细分行业的技术发展不均衡,也广泛存在。就拿维系亿万人生活保障的保险业来说,相较于金融业的其他两个分支(银行和证券),保险业的信息化和数据化程度,尚处于一个洪荒时代,而这也给了技术型选手以良机

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保险是消费升级的前提

作为一个耳熟能详的传统业态,保险业甚至越来越成为维系民生的*基础行业之一。虽然消费升级的口号不绝于耳,但当下的老百姓,真的做好追求自我实现的准备了吗?实际上,根据马斯洛需求理论的推断,任何一次从吃饱穿暖到受尊重和自我实现的跨越,都少不了安全需求的率先满足。

人在做决策时,通常会有两个动机:追求快乐和逃避痛苦,而且以后者为主。而保险业的本质就在于它能通过社会资源的配置,来帮助更多的人免遭痛苦,哪怕是一趟不期而遇的飞机延误,也能通过一份保险,*大程度的平复乘客内心的忿恨。

某种程度上讲,保险承担着社会秩序稳定剂的角色,也是推动亿万用户消费升级的保障,作用不言而喻。然而就是这样一道至关重要的桥连,现实中却被演绎为了劳动密集型行业,君不见万千保险销售大军,浩浩荡荡,各种成功学式的推销策略,让保险受众甚至陷入了“谈险色变”的窘态。这种强迫式的推拉术,使得想通过购买保险寻求安全感的一丝希望,慢慢破灭了。加上高人力成本和产品层层分包导致的分发效率低下,买保险变得越来越不经济。即使如此,保险依然是一个没有上限、体量巨大且高速增长的行业,根据安联集团数据,在2016年全球保险费总收入就达到了3.6万亿欧元,产值甚至超过了GDP排名全球第三的日本,而中国于2017年完成了20%的增长。

当一个行业的体量足够大、产业效率足够低下时,其市场红利就会愈发诱人,而技术所彰显的力量也就更加所向披靡,而保险业恰恰就是这样一个典型的利基市场,所以也吸引了更多的大玩家用前沿科技,来对行业进行重新洗牌。尤其是解决产业效率的人工智能技术和解决信任难题的区块链技术,两大技术的并行,给了保险业以重塑的历史性机遇

传统保险业的弊端越来越明显

保险作为一种强信任属性的托付类商品,在传统保险生态下,其信任锚定物是繁乱而脆弱的保险公司品牌,而支撑起信任价值传递的却是整体素质较低的密集型劳动力,信任基石的脆弱和信任传递链条的低效,导致了保险信任价值的持续衰减,投射在投保人的心智上就是:*该被信任的人,却伤害我*深。陈旧的公司架构,已无法承载保险价值的续航,把信任主体从善变的传统组织过渡到**公正的技术生态,已成为必然。

实际上,日本寿险巨头富国生命保险已经于2017年引入人工智能系统,直接裁减了近30%的保险理赔员工。而把人工智能系统和区块链技术同时应用于保险行业的,SmartInsur Protocol(以下简称“SIP”)算是翘楚。

SIP是一个基于公有区块链协议的保险底层链,用区块链为保险产品的发行、销售、投保和理赔提供智能合约市场,并对人工智能进行认证、管理和数据学习,在SIP社区内,所有参与主体的贡献都会促进该底层链的发展和完善,从而获得收益。

围绕传统保险业的痛点,SIP提出了重塑保险信任价值的三大策略:

第一、AI负责替代密集劳动力,降低保险的信任传递成本,提高传递效率,把组织吞噬的高额流通成本,释放给SIP生态。

第二、智能合约替代冗繁而霸权的保险协议,把保险权益公平安全的交付给参与主体,即确保保单赔付,根除骗保、不保等“赖保”行为。

第三、深度结合有300多年历史的劳合社赔付制度,共享全球保险人才、资金和技术资源,储蓄海量保险金,**解决老百姓买了有的赔的难题。

SIP正在用Ai和区块链改变传统保险业

在践行过程中,SIP已经形成了自己独有的保险生态——

Aimi工作的样子

第一,通过保险机器人引擎Aimi解放人力冗余,并释放保险产品流转效率。

Aimi是业内**能够读懂保单理解保险责任的机器人,基于核心上千万数据量的保险知识图谱,可以在数秒内回答400万余种保险问题,相当于三年经验的保险顾问,除此之外,它还能设计保险方案、核保定价、核赔定损和产品咨询等能力。

经过1年半的线上运行,Aimi的系统交互友好功能已日臻完善,而且目前服务了中国人保、华润集团、中国人寿、用友集团、金蝶集团等上千家企业,为50万用户提供了智能保险服务,能支撑的保险敞口达到700多亿元。由于强劲技术力量的吸引,已经与国际国内80余家保险公司建立起了合作关系。

第二,构建点到点、端到端的SIP社区生态圈,让保险的雨露无损的滴灌于每个参与主体。

实际上,SIP社区里融合了保险产品***、保险产品投资人、保险产品销售员、核保核赔师、投保人和助手机器人Insurbot JR.等六个角色,保险产品在该6大主体上的流转,也都将遵循智能合约,真正实现了去中心化的自运行,即基于该生态,每个人都可以保险产品的设计、投资、销售、投保等,而这很可能意味着旧有的保险生态将坍塌,尤其是保险产品公司和保险代理公司两个庞然大物,公司化的保险组织形态,将不可避免地遭遇到新兴商业社区力量的对撞。

以后,当你需要投保时,你只须成为SIP社区成员,通过机器人了解保险产品详情后,支付SIP的token即可,一段时间后发生了理赔,则可以通过核赔师进行审核并确认,获得相应的赔偿token,而核赔师也将收取服务token,你所享受的该保险产品,其***和投资人也都将获得相应的token,而整个咨询、投保和赔付等行为过程,都将以数据的形式对机器人进行培训,而机器人也将对该数据供给支付相应的token,机器人的成长将更加**的促进该社区运行效率的提升。至此,区块链和人工智能将互相喂养、彻底融为一体。

在该生态里,投资人可以获得基于区块链的更多样的数字资产投资类型,而投保人可以获得更广泛的全球化的保险产品。随着社区生态的进一步扩大,SIP的投保和获赔币种,将不限于SIPCoin,而这将惠及整个区块链世界的数字人类。

第三、机器人Insurbot JR.的成长数据管理。

它会以数字资产的形式受到区块链技术的保护,版权可以溯源,社区成员在分享数据训练机器人时,也可以随时随地获得劳动报酬。

SIP的经济模型符合“分布式商业思想”

SIP的横空出世,践行了区块链的“分布式商业思想”——

第一、在SIP社区里,六大参与主体都被确权

譬如,保险***享有产品拥有权,保险投资人享有产品收益权,保险产品销售员将享受产品销售收益权,核保核赔师将拥有核定权,投保人将拥有投保数据资产的所有权,助手机器人Insurbot JR.将根据社区成员角色,其版权和权益将归属于相关成员。

第二、在SIP社区里,成员间的行为都可以证券化

保险产品在参与主体之间流转时,产生的读单、方案设计、核保定价、核赔定损和产品咨询等行为,都以token的形式呈现并做相应支付,真正实现了“行为即数据,数据资产”。

第三、在SIP社区里,保险流通都将智能合约化。

实际上,SIP团队在搭建该社区时,设计了保险产品智能合约、保险产品投资智能合约、保单智能合约、赔案智能合约、保险机器人智能合约等五大合约。这将彻底根除传统保险组织结构的环节冗余,提升保险流通效率。

SIP的横空出世,仰仗于传统的保险从业者对旧保险规则的把持,让旧有的保险市场趋于板结,而旧规则凝结下的既得利益,没办法让旧势力轻易放下,才给了创新者以机会。

SIP的豪华团队

如此庞大一个保险业态,需要有**的团队和行业资源与之匹配。实际上,SIP集合了一支Ai+Insurance+Blockchain基因的**团队,由前香港保险学会会长Howard Tsang,保险业亚洲区高管Wenjun Pang(人工智能算法硕士、全球第三大保险经纪公司亚洲区总监)、爱因斯坦母校苏黎世联邦理工的A专家Mike Yang(50余篇机器学习、人工智能论文,***Ai会议AAAI、机器学习会议ICML等论文11篇)、平安科技区块链技术专家Chuanmin Zuo、前法国安盛集团亚洲区**核保人Daniel Su、极客全栈工程师、前房多多技术团队长Cloudy等业内精英联合成立。

SIP的顾问团也堪称豪华:日本保险学会会长Hitoshi Nemoto、法国安盛保险集团香港CEO Pierre Martelly、伦敦保险巨头Faber家族Michael Faber、韩国现代保险公司部门长Sang-Soo Lee、东印度怡和洋行渣甸保险经纪韩国区部长Katie Gang等。

保险是仅次于货币的信任商品,牵系着亿万人的福祉,没有普惠保险的保障,任何消费升级行为都是空谈,在保险业发展如此粗鄙的今天,用这样一份成本高昂、效率低下的保险业态来支撑起百姓的尊严和自我实现,未免太过天真。

当整个旧保险业态不思进取的时候,唯有寄希望于拥有大情怀和大格局的保险人,利用人工智能和区块链技术的铁犁来划开板结的保险土壤,才能让保险的真实价值萌芽,并长成庇佑百姓的森林,作为一株顽强的秧苗,SIP显然已经破土而出了,随着社区力量的灌溉,一片崭新的保险生态,必将泽被世人。(转载自搜狐财经)


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HistoIndex Announces Global Partnerships To Expand AI-Based Digital Pathology PlatformMONDAY, OCTOBER 28, 2019HistoIndex announces the expansion of its AI-based digital pathology platform towards large-scale NASH preclinical programs for pharmaceutical and biotech companies to achieve quantifiable and reproducible data on therapeutic responses in NASH animal models, and to aid CROs as well as research agencies in validating new models mimicking the NASH disease.Published preclinical studies have demonstrated the use of HistoIndex's fully quantifiable Second Harmonic Generation (SHG) technology as a highly accurate stain-free method that can monitor the efficacy of various therapeutic agents, by quantifying more than 450 NASH-associated parameters in fibrosis, inflammation, ballooning and steatosis. The information of these NASH-associated parameters gathered from the entire liver tissue, provides comprehensive insights on the mechanism of action of the therapeutic agent.  As a drug discovery tool, HistoIndex's SHG-enabled digital pathology platform will allow pharmaceutical and biotech companies to select promising lead candidates for further optimization and make informed decisions in the management of their NASH drug development pipeline.In addition to ongoing NASH clinical trials, HistoIndex is currently involved in multiple preclinical studies, most of which are conducted by major pharmaceutical and biotech companies, medical universities, CROs and research agencies. Notably, HistoIndex has recently entered into a collaboration with the A*STAR's Genome Institute of Singapore (GIS) to validate their in vivo and in vitro NASH models based on Asian-centric clinical data. Says Professor Patrick Tan, Executive Director of the Genome Institute of Singapore (GIS), "At GIS, we conduct our preclinical studies on fatty liver involving data from animal models based on patient-derived transcriptomic data. This has a high translational potential as it helps us to pinpoint new therapeutic targets and their validation. Therefore, using a fully quantitative, reliable and objective pathological evaluation such as HistoIndex's AI-based digital pathology platform is essential to the success of our efforts in therapeutic target discovery."HistoIndex is also a partner with globally-renowned CRO, WuXi Apptec, in advancing their NASH preclinical programs with advanced R&D and smart imaging analysis capabilities. Published study data will be available for discussions during networking opportunities throughout AASLD's The Liver Meeting® in November 2019.  "We are very excited to extend our AI-based SHG platform to preclinical studies to help companies with drug discovery programs select promising lead candidates for further optimization and subsequent clinical development," says Dr Poon Thong Yuen, Chief Executive Officer of HistoIndex. "Our SHG image analysis platform has already been used to analyze the efficacy of a series of promising drug candidates for NASH within various animal models commonly-used by the industry, and we believe these preclinical partnerships will help drive the adoption of our platform significantly."information source:pharma focus AsiaThe original link:https:https://www.pharmafocusasia.com/news/histoindex-announces-global-partnerships-to-expand-ai-based-digital-pathology-platform2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

AVROBIO Receives Orphan-Drug Designation from the U.S. FDA for AVR‑RD‑02 for the Treatment of Gaucher DiseaseFRIDAY, OCTOBER 25, 2019AVROBIO, Inc., today announced that the U.S. Food and Drug Administration (FDA) has granted orphan-drug designation for the Company’s investigational gene therapy, AVR-RD-02, for the treatment of Gaucher disease. AVR-RD-02 consists of the patient’s own hematopoietic stem cells, genetically modified to express glucocerebrosidase (GCase), the enzyme that is deficient in Gaucher disease. The Company is actively recruiting in Canada for its Phase 1/2 clinical trial of AVR-RD-02, which seeks to evaluate the safety and efficacy of the therapy in patients with Type 1 Gaucher disease.“Under the existing standard of care, patients with Gaucher disease are bound to a lifelong infusion schedule of enzyme replacement therapies, and still experience painful and progressive symptoms such as debilitating musculoskeletal pain and fatigue,” said Birgitte Volck, MD, PhD, President of Research and Development at AVROBIO. “Orphan-drug designation recognizes the unmet need of populations with rare diseases like Gaucher where AVROBIO strives to transform lives by addressing the underlying cause of the disease with a single dose of gene therapy.”Orphan-drug designation is granted by the FDA to drugs and biologics which are intended for the safe and effective treatment, diagnosis or prevention of rare diseases or conditions that affect fewer than 200,000 people in the United States. Orphan-drug designation provides certain incentives, which may include tax credits towards the cost of clinical trials and prescription drug user fee waivers.information source:pharma focus AsiaThe original link:https:https://www.pharmafocusasia.com/news/avrobio-receives-orphan-drug-designation-from-the-us-fda-for-avrrd02-for-the-treatment-of-gaucher-disease2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

FRIDAY, OCTOBER 25, 2019AZTherapies, Inc., a biopharmaceutical company developing therapeutics to extend brain health, today announced the acquisition of Smith Therapeutics, a private biopharmaceutical company with a shared goal of targeting neuroinflammation to treat neurodegenerative disease. Smith Therapeutics’ Founder and Chief Executive Officer Philip Ashton-Rickardt, Ph.D., has joined the senior leadership team at AZTherapies as Senior Vice President of Immunology. Financial terms of the acquisition were not disclosed.Smith Therapeutics’ proprietary research platform focuses on the use of modified T cells to restore a healthy balance of inflammatory and regulatory cells in the brain. To date, Smith has successfully engineered immunosuppressive T regulatory (Treg) cells with Chimeric Antigen Receptors (CARs) targeting brain glial cells. Previous research has demonstrated the ability of Tregs to dampen microglial activity and reduce neuroinflammation in models of neurodegeneration, suggesting their potential utility in the treatment of diseases including Progressive Supranuclear Palsy (PSP), Alzheimer’s disease, Parkinson’s disease, Huntington’s disease, Amyotrophic Lateral Sclerosis (ALS), and others.“This acquisition represents a meaningful step forward for us as we continue to strengthen our leadership position in the development of therapies targeting neuroinflammation to stop or slow the progression of neurodegenerative diseases,” said David R. Elmaleh, Ph.D., Founder, CEO, and Chairman of AZTherapies. “We are excited to be working with Philip as we add this cutting-edge technology to our portfolio of innovative programs. An esteemed immunologist and inventor of the technology, Philip brings unparalleled expertise to the company and we look forward to advancing this CAR-Treg program further into IND-enabling studies and into clinical development as rapidly as possible.”Dr. Ashton-Rickardt commented on the acquisition and his appointment: “Our shared rationale of targeting neuroinflammation as the root cause of neurodegenerative disease makes this acquisition a great strategic fit for us. With AZTherapies’ expertise in drug development and clinical trial execution, we believe that together, we are well positioned to advance our CAR-Treg technology and fundamentally change neurodegenerative disease progression.”Prior to launching Smith Therapeutics in 2017, Dr. Ashton-Rickardt was Chair in Immunology at Imperial College London, Visiting Professor, Brigham and Women’s Hospital, Harvard Medical School, and Associate Professor in the Department of Pathology at the University of Chicago. His work has been recognized by his peers through the award of tenure from The University of Chicago and by his fellow citizens as a recipient of the Early Career Award for Scientists and Engineers from President Bill Clinton. He has published more than 65 peer-reviewed papers in more than 30 academic journals (including Cell, Science, Immunity, and Nature Immunology), has served as an editor for several academic journals, and has been a member of grant review boards globally. Dr. Ashton-Rickardt received a B.Sc. in Biochemistry from the University of London, King’s College with honors, a Ph.D. in Molecular Biology from the University of Edinburgh, and completed post-doctoral work at the University of Edinburgh and the Massachusetts Institute of Technology in Molecular Biology and Molecular Immunology, respectively.information source:pharma focus AsiaThe original link:https:https://www.pharmafocusasia.com/news/aztherapies-strengthens-neuroinflammation-targeted-pipeline-through-acquisition-of-smith-therapeutics2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

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