Scopriamo insieme a Polina Marenkova, Head of Business Innovation di Wallife quali sono i nuovi rischi emergenti legati all’innovazione tecnologica: dal furto dei dati biometrici al deepfake fino al Metaverso. Come prevenire i rischi e mitigare i danni? Quali le possibili coperture assicurative?

ConTe.it- Admiral Group è protagonista della nuova puntata degli Insurance Talks di Experian! 📣 Con Francesco Miglietta, Head of Innovation and Pet Insurance, conosceremo meglio il mondo delle assicurazioni Pet 🐶🐱 Con un CAGR superiore al 14% in Europa ed un valore atteso al 2030 di oltre 12 miliardi, non stupisce che molte Compagnie italiane abbiano in catalogo soluzioni ad hoc e che numerose Insurtech si stiano specializzando. In Italia meno del 15% degli animali è assicurato e la nuova sensibilità verso il benessere dei nostri amici pelosi spingerà molti milioni di proprietari ad attivarsi in questo senso. Quali sono le sfide per le Compagnie, nella costruzione della polizza ideale e nella sofisticazione delle tariffe? Come correlare la predisposizione genetica, o certe abitudini quotidiane, alla probabilità di sinistro? Scopriamo come un approccio #DataDriven può migliorare l’underwriting e la stessa gestione del sinistro.

In questa puntata Tommaso Grotto, Cofondatore e CEO di Kopjra, ci porterà a conoscere una declinazione estremamente interessante del fenomeno del brand misuse (cioè l’utilizzo fraudolento del marchio di un’impresa), che per le Imprese di Assicurazione diventa Ghost Broking 👻. Pagine web che ricalcano lo stile, i loghi ed il tone of voice della Compagnia di fatto sono veri e propri fenomeni di #phishing. La #GenerativeAI può aiutare i frodatori nell’industrializzare questo tipo di attività? ⚠️ Quali sono i rischi reputazionali per l’Assicuratore? E quali per il contraente che, convinto di aver acquistato una polizza legittima, si troverà invece scoperto al momento del sinistro? #Insurance #Insurtech #BrandMisuse #GhostBroking#ExperianInsuranceTalks

Parleremo di Ecosistemi e di Open Insurance, grande opportunità incentrata sulla possibilità di condividere informazioni e sulla creazione di bundle di prodotto. Quali sono gli aspetti critici di questo approccio distributivo da un punto di vista legale e di compliance? Ne parliamo con Andrea Maura – Partner, Aliant Group Legal Grounds

Intervista a Sofia Scozzari – CEO & Founder di Hackmanac

Intervista a Mauro Beolchi, Responsabile Linea Rischi Direzionali Incendio e Tecnologici di @Sara Assicurazioni.

Tema: gap assicurativo delle SME italiane: perché almeno il 40% delle nostre imprese non ha coperture sufficienti per i rischi? Quali sono le ragioni storiche ⚠️? Dipende dalle limitate risorse e dimensioni delle aziende o da un approccio del management?

Quali azioni le Compagnie e gli intermediari possono mettere in campo per favorire una corretta cultura del rischio ed incrementare la penetrazione dei propri prodotti?

Scopiarmo l'importanza della cultura del rischio

Intervista ad Angelo De Martino, Responsabile Prodotti e Pricing Non-Auto, TUA Assicurazioni 

Customers needs and expectations are changed after the pandemic. This have accelerated the digital transformation process. Organizations are now trying to create a digital customer journey as much smooth, easy and transparent as possible. 

All this have been possible thanks to the availabilities of data. 3 years ago there were very few financial institutions able to use their transactional data. 3 years ago it was really hard to manage such a huge volume of data. Data without analytics and categorization are meaningless, but now, thanks to advanced analytics, ai and ml is it more easy to develop new analytics models in big data and open sources environment.

In the next future ESG will be more and more important and will change access to credit. Businesses will be assessed on the basis of sustainability. If these could be relatively easy to be assessed for large companies, it is very difficult for SMEs. Thanks to the use of alternative data, web data and web crawling it will be possible to collect relevant and meaningful data to prove the sustainability also for SMEs.

Regulations are constantly evolving so staying one-step ahead is vital.
Cultivating resilience in a crisis help create business solutions for the new normal.
The circumstances we find ourselves in are unparalleled and changing daily. But by riding out the short-term impact and adapting strategies in line with emerging opportunities, businesses can protect both their customers and themselves.

Discover more here https://experianacademy.com/blog/2020/11/26/regulation/

Regulatory compliance is vital to the continued prosperity of the financial industry and everyone it supports.
Part of the route to ensuring compliance is by making sure risk management models are robust and resilient to changing market pressures.
Data and analytics can play a strong role helping to test those models, as they enable institutions to apply them to situations based on real insights.

Discover more here https://experianacademy.com/blog/2020/11/26/regulatory-challenges-in-the-post-pandemic-period/

Right now, one of the biggest challenges for collections teams is trying to keep their costs down while providing an efficient and effective customer experience.
At the same time, many businesses are struggling to identify at-risk customers who have the greatest probability of entering financial difficulty and making it harder to the stop then moving into collections.
But by pro-actively targeting higher-risk customers before they enter collections, businesses can significantly reduce the costs to collect and overall loan provisioning.

Discover more https://experianacademy.com/blog/2020/11/26/impact-of-payments-holidays-and-moratoria/

This podcast is about how banks and lenders can use Early Warning Systems (EWS) to help financially fragile customers. EWS enable lenders to identify fragile customers significantly early and this opens opportunities for better outcomes for both the customer and the lender. Early resolution makes it more likely that the customer retains the collateral and a higher proportion of the bank’s customers remain as performing.
Lenders that used EWS to offer data driven, individualised solutions to customers achieved both better profitability and higher customer satisfaction.

Discover more here https://experianacademy.com/blog/2020/11/26/predictive-analytics-to-safeguard-financially-fragile-customers/

Many organisations have gaps in their digital transformation strategy and are facing challenges amid the urgent need to accelerate to fully serviced digital operating models. While some businesses have adapted, many are struggling.
But successful identity trust and identity risk are now central to any digital business model. The way in which identity authentication and seamless experiences are delivered, will also be critical factors in determining whether businesses can make the most of their opportunities.

Discover more here https://experianacademy.com/blog/2020/11/26/digital-transformation-and-seamless-experiences/

Financial inclusion is critical to driving day-to-day financial wellbeing, economic growth and job creation across our region.
Consumers need access to credit, while SMEs need quick accurate lending decisions.
We outline how Open Banking can offer improved access to finance for millions more sole-traders, SMEs and micro-businesses. PSD2 solutions, with the support of AI, also provide a 360-degree customer view to offer timely insight into a customer’s affordability and offer them the right products to serve their needs.

Discover more here https://experianacademy.com/blog/2020/11/26/open-banking-and-digitisation/

The pandemic, numerous lockdowns and evolving economic circumstances across our region have had a massive impact on income and cash flow for individual consumers, small businesses and sole traders alike. It has affected tens of millions of people.

As a result, banks and lenders need to get as clear a picture of customers exposure to risk as possible, during a very short and rapidly changing time period.  We will discuss the best routes to now take in assessing risk and informing decision-making. Discover more here