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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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