Ψηφιακός μετασχηματισμός στον ασφαλιστικό κλάδο - Μελέτη περίπτωσης Allianz Ελλάδος

Abstract

The purpose of this paper was to study the concept and degree of integration of digital transformation in the insurance industry, internationally but mainly in Greece. That is why the case study of Allianz Greece was chosen, an innovative company in the industry that covers the entire range of insurance services, has a long history in the Greek market and relies on the know-how and support of a world leader in the industry. Insurtech covers concepts beyond the combination of insurance and technology and includes the inherent customer-centric approach as well as the potential of technology to activate the value chain of the actors involved and to disrupt the unified business models of the industry. The private insurance industry has a slower pace of technology integration for its digital transformation than other industries, while at the same time it does not yet seem to have adopted the essence of insurtech. In Greece, insurtech seems to be still in its infancy and the digital transformation in the majority of cases is limited to the sterile adoption of digital solutions without accompanying a vertical change in the culture of insurance companies. Innovation is driven mainly by competition and is not a philosophy of holistic action. Digital transformation efforts are mainly limited to the vehicle insurance and partner interface sector, while digital innovations in other business sectors are minimal. Specifically, Allianz Hellas has adopted technological tools such as telematics, big data and artificial intelligence, but mainly in the vehicle insurance industry and in distance learning and the support of its partners. In an ever-changing environment where technology is rapidly evolving, the insurance industry needs to step up its efforts to keep pace with other industries and maximize the benefits of technology to all parties involved.