Join collection
Hello, welcome to our official website!
他山之石可以攻玉——人工智能+时代的一些思考
2019-01-12

  目前中国有700多万的保险代理人,从这么庞大的数字来看,短期内人工智能还无法完全取代代理人,但是人工智能与健康险具有非常天然的贴合度,一旦投入应用,将会切中传统保险的痛点,为保险机构带来崭新的机遇和新业务增长空间,尤其是改变用户普遍抱怨的投保麻烦、条款复杂、理赔难、价格高等问题。例如人工智能领域的智能保险顾问,可以通过大数据、保险模型,结合人工智能来帮助用户完成购买保险的过程,通过机器来回答保险问题,完成保险知识教育、产品选择、报价等问题,从而有效避免主观误导,从而减少保险纠纷和骚扰。

  众所周知,日本的电子产品产业非常发达,伴随而来人工智能产业也经常先人一步,有许多日本保险公司已经开始往这人工智能方面进军,其中有这么一家保险公司所有员工加起来只有34人,据悉这家保险公司今年1月正式启用人工智能系统,负责公司的保险理算业务,这项措施有望把工作效率提高30%,并且每年节省约1.4亿日元(约合人民币831万元)的工资成本。现在,这股人工智能风潮也已刮向了国内保险行业。面对飞速发展的新兴科技,已经有越来越多的国内险企从排斥走向主动试水,正在保险人工智能化的路上“摸着石头过河”。据了解,包括平安保险、中国人寿、中国人财保险、泰康在线、太平洋保险、新华保险等在内的多家险企都已将人工智能引入到核保、客服等环节中。

  为何近年来人工智能突然在保险金融领域大火呢?小编觉得,原因有以下几点:在经历了2015年,互联网保险行业集中爆发又遇冷以后,进入2017年,整个行业开始变的更加冷静和接地气。一方面互联网的玩家们开始向“场景险”切入,希望能够将更多用户留下;而另外一方面,以平安为首的传统的保险行业巨头在经历从线下到线上的转型阵痛后也开始渐入佳境,从互联网到人工智能,期间的改变可能比你想象中还要多。而且近两年,互联网保险的爆发行业有目共睹。根据保监会公布的数据显示,2016年我国有平安健康保险等117家保险机构开展互联网保险业务,实现2347.97亿元的签单保费,新增61.65亿件互联网保险业务保单,占全部新增保单件数的64.59%。

  互联网保险的新入玩家也越来越多,资本也十分青睐这一领域。据统计,去年全球互联网保险行业平均每个季度有48件融资事项发生。近几年,全球资本共向互联网保险创业企业投入了约17亿美元的资金。互联网玩家对传统保险行业的“入侵”,一度被认为是对传统保险行业的“颠覆”,尤其是当平安健康保险这类持牌互联网保险公司进入这一领域,不仅突破了地域的限制,可以在全国范围内经营,且互联网渠道降低了其运营成本和获客成本。

  蚂蚁金服副总裁、保险事业群总裁尹铭在一封内部邮件中写道,“保险有很大的需求,但保险难卖,保险也难买。”正是这种“难买难卖”的问题症结,促进了保险科技在保险行业的拓展发展,也随之带动了与其相关的人工智能行业的发展。

  既然是大势所趋,那么人工智能在我国目前有哪些发展呢?

  马云在2016云栖大会上提到:未来机器一定会比人聪明,但机器不会统治人类,因为它们没有想象力和价值观。2016百度世界大会上,百度公司创始人兼CEO李彦宏全面展示了“百度大脑”——百度人工智能全貌,他从语音、图像、自然语言理解和用户画像等四个方面阐述了百度大脑的能力。其中,李彦宏现场展示了运用情感语音合成技术还原**影星张国荣声音的视频,通过情感语音合成技术实现与粉丝的“隔空对话”,震惊现场观众,观众直呼“帅呆了!”

  近日,百度集团宣布与中国人寿达成战略合作,双方将借助各自优势,在平台、数据、人工智能等方面展开深度合作。当然,中国人寿并不是第一家“试水”人工智能的险企。早在2012年,新华保险在其短信、电话互动服务平台方面就已使用了人工智能技术系统,解答常见咨询问题。2016年,“三马”创立的众安保险再下一城,助推整个保险生态信息化升级。

  人工智能被用来“量身定制”物价和保险

  目前,已有不少险企利用人工智能技术采用去中间化方式构建直销平台,获取社交媒体数据,运用大数据技术构建定价和反欺诈模型,从而有效评估客户承保前、承保中和承保之后的风险。该平台不仅能降低中间费用,提高承保效率,而且有助于降低欺诈概率,为客户提供更符合其自身需求的个性化产品。去年8月,由泰康在线推出的国内首款保险智能机器人“TKer”面世,运用人脸识别、语音交互等技术能够实现自主投保、保单查询等功能。

  李开复曾在Google、微软、苹果等世界顶尖科技公司担任全球副总裁职务,在他看来,传统企业,比如说股票的数据,比如说保险业、银行业,各种金融,数据非常的丰富,而且是非常的狭窄领域,不用跨领域的理解,可以快速产生商业价值。

  能够预测的是,随着数据电子化程度加深、数据较集中且数据质量高的行业或将*先受到人工智能的改造,实现机器协助人类工作、提**率。

  智能定损减少“猫腻”,一个**的售后理赔近在咫尺

  7分钟能做什么?近日,平安人寿用7分钟完成了一起理赔案件,理赔速度之快令还没喝完一杯茶的浙江客户杨女士忍不住咂舌。为了改变核保慢、理赔难,不少险企试图利用人工智能技术“医治”这一顽疾。比如,此次平安人寿推出的“闪赔”采用*新科技实现后台的智能化审核,并快速出具赔付结论,    保证客户在30分钟内便可收到理赔结果。首先,通过数据分析为保险产品定价,实现定制。其次,通过机器识别参与保险核赔,降低风险。据了解,蚂蚁金服保险平台的图片识别技术是核赔流程重要应用之一,其消费保险的理赔环节,超过九成是依靠后台技术识别和判定。更重要的环节是对图片相似度的识别,在传统保险领域,企图骗保的人,可能会拿着网上下载的图片,在多家保险公司报案理赔。但在生鲜腐烂、化妆品过敏这些消费保险上,技术可以在一个庞大的图片库中,比对识别出报案人上传的是真实拍摄图片,还是重复使用了别人皮肤过敏的图片,亦或是网上下载了腐烂水果的图片。结合对理赔者信用程度的判断,绝大多数理赔都可以在短时间内在线完成,无需人工干预。

  再次,通过技术优化业务流程,促进交易。目前,有些互联网保险公司和第三方平台开始将科技业务作为重要的一块。比如众安保险宣布成立了独立的科技公司,关注的技术更为前沿,包括区块链、人工智能和大数据,推出的平台包括区块链开放平台和智能投顾,从金融和医疗健康切入。

  *后,医疗系统结构日益复杂化,信息却呈现分散化,往往会导致患者由于所得信息不充分而作出多余的医护决定,实际并没有什么疗效,徒增不必要的费用,运用人工智能技术,可以引导个人及企业做出更好的医护决定。

  医保和人工智能现在都经常出现在新闻中,美国参议院废除了“美国平价医疗法案”(又称“奥巴马医改”)的立法草案,这让一些美国人感到恐惧,与此同时,机器学习ML和人工智能这两个概念的流行也激发了他们对自身的担忧。

  如果有办法将医疗保健与机器学习结合起来,提供不仅仅更**而且更主动的服务?能否削减成本、增强医保水平?它能帮助医保机构优化客户服务吗?而不仅仅依靠简单的指标?例如医疗技术平台Accolade公司在做这样一件事情:Accolade的Maya智能引擎将ML和AI结合,利用公司的医疗技术和服务平台,为企业雇主、医疗机构和卫生系统提供“专业健康助手”服务。该公司致力于提供“*具个性化的医疗体验”,但似乎也通过应用数据科学来帮助保险公司更好地帮助他们的客户。

  既然人工智能这么火,为什么不加快布局保险业实际应用呢?

  目前保险领域对于人工智能的探索,还面临一些障碍,尤其是数据孤岛的问题:首先,健康险相关的健康数据、医疗数据都留存在医疗体系内,少量积累在商业体检公司,共享和流转困难,很难系统地为健康保险所用;其次,保险行业同业数据交换低效,一个客户在不同保险公司投保信息,虽然在同业之间有部分交互,但是基本都是人工进行的,数据量无法满足智能学习场景。而人才缺失是行业面临的另一个痛点。人工智能作为一个新领域,其本身就是多种专业技术的复合领域,难度很高,专业人才很少,且三分之一在美国,懂保险和人工智能的复合型人才就更稀缺了。此外,林洪祥认为,保险行业还面临本身的IT基础普遍薄弱、投入不足的情况,整体缺少长期演进规划。“特别是对那些连信息系统建设都勉勉强强的公司而言,在这个时候谈人工智能,那无异于浮沙筑高楼。”健康相关数据积累刚刚起步,要实现智能化的风险控制,还有很长的路要走。

  中国互联网保险创新峰会(CIIS2019)将会聚焦互联网保险人工智能以及大数据在实际业务操作中的落地与应用,更多资讯,请进一步关注我们,稍后将为您带来更多有价值的信息。




暂无评论!
我要评论 只有购买过该商品的用户才能评论。

Gotham Therapeutics Establishes Advanced Oncology Profiling Cascade with ProQinase to Progress its Portfolio of Epitranscriptomic Drug CandidatesWEDNESDAY, OCTOBER 30, 2019Gotham Therapeutics, a biotechnology company developing a novel drug class targeting RNA-modifying proteins, and ProQinase, an early stage drug-discovery company, recently acquired by Malvern/PA-based Reaction Biology Corp., today announced that they have established an array of advanced biochemical and cellular assays to characterize epitranscriptomic-directed compounds.“Establishing tailored target engagement, cell biology, phenotypic, and in-vivo assays to evaluate compounds originating from our three most advanced epitranscriptomic programs in parallel is a crucial next step to develop our broad pipeline towards the clinic,” said Dr. Gerhard Müller, Chief Scientific Officer of Gotham Therapeutics. “By pursuing the full range of the reader-writer-eraser continuum, we are able to focus on targets with the most compelling links to disease and advance those programs in tandem.”“Combining our high proficiency in providing customized solutions as early stage drug-discovery services, including tailor-made biochemical and cell-based assays, with Gotham’s expertise in epitranscriptomics, we were able to establish in a very short time a set of customized enzymatic and cellular assays for compounds addressing three different mRNA-modifying targets,” said Dr. Sebastian Dempe, Chief Executive Officer of ProQinase. “We look forward to supporting Gotham as the company advances its programs into lead optimization and to continued work with the Gotham team assisting the company to advance its broad pipeline in a time-effective manner.”In addition to establishing a tailor-made profiling cascade for compounds from its three most advanced programs, Gotham has also made progress in strengthening its drug discovery engine and developing its candidate base. Gotham previously completed the gene-to-lead phase for its drug discovery project targeting the METTL3/METTL14 complex and established a robust discovery process as a platform for future projects. The company has also generated a library of high-quality compounds tailor-made for accelerated hit generation and hit-to-lead expansion against large parts of the epitranscriptomic target space. This library includes a collection of over 2,000 analogues covering over 80 distinct chemotypes that will be used to further accelerate Gotham’s drug discovery efforts as it expands its pipeline.The original link:https://www.pharmafocusasia.com/news/gotham-therapeutics-establishes-advanced-oncology-profiling-cascade-with-proqinase-to-progress-its-portfolio-of-epitranscriptomic-drug-candidates2019 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

Gilead and Glympse Bio Announce Strategic Collaboration for Use of Biomarker Technology in NASH Clinical DevelopmentTUESDAY, OCTOBER 29, 2019Gilead Sciences Inc. and Glympse Bio, Inc., today announced that the companies have entered into a strategic collaboration in nonalcoholic steatohepatitis (NASH) clinical development. Glympse Bio’s proprietary synthetic biomarkers – bioengineered to identify stage and progression of disease as well as early detection of treatment response – will be used to determine clinical trial participants’ stage of disease at initial screening and to determine responses to study treatment in Gilead’s NASH clinical program.“We are excited about the opportunity to partner with Glympse Bio to help inform our NASH development program,” said Mani Subramanian, MD, PhD Senior Vice President, Liver Diseases, Gilead Sciences. “By utilizing this innovative technology, we hope to better characterize this complex disease and improve our understanding of how our compounds impact disease progression.”Glympse Bio’s proprietary technology, Glympse Inside™, combines synthetic biomarkers with machine learning approaches to identify the stage and monitor progression of important, complex diseases such as cancer, fibrosis, inflammation, and infections, in real time.“We are very excited about partnering with Gilead, a leader in drug development, to help drive earlier and more favorable outcomes for patients,” said Caroline J Loew, President and CEO, Glympse Bio. “Gilead’s commitment to developing innovative medicines in areas of high unmet medical need aligns with our mission of transforming disease detection and measuring treatment response, all with the goal of helping improve the lives of patients.”information source:pharma focus AsiaThe original link:https:https:https://www.pharmafocusasia.com/news/gilead-and-glympse-bio-announce-strategic-collaboration-for-use-of-biomarker-technology-in-nash-clinical-development2019 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

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

About Us
Contact Us
Zensee_Daystar online