SAP保险行业数字化发展历程分享

SAP数字化发展历程分享

FORTUNE

Whatdocompaniesineachgrouphaveincommon?500

GroupA：

AmericanMotors,BrownShoe,Studebaker,CollinsRadio,DetroitintheFortune500in1955,

Steel,ZenithElectronics,andNationalSugarRefiningbutnotin2015

GroupB:

Boeing,CampbellSoup,GeneralMotors,Kellogg,ProcterandintheFortune500inboth,

Gamble,Deere,IBMandWhirlpool1955and2015

GroupC:

Facebook,eBay,HomeDepot,Microsoft,Google,Netflix,OfficeintheFortune500in2015,

DepotandTargetbutnotin1955

TheaveragelifespanofacompanylistedintheS&P500hasdecreasedfrom67yearsinthe1920'sto15yearstoday

RichardFester.YaleUniversity

Exponentialtechwillimpactalmost

Bi-ModalIT

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SAP的发展历程・行业方案、技术创新、云计算

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行业方案

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SAP将在未来5年投费20亿欧元进行物联网相关技术与产品研发

TakePartinloT,HMM!

Possibleapplicationsofthelolarealmostunlimited.Everyindustryandeverycompanyhasdifferentapproachesandchallengeswhichcanbe

solvedmeeffectivelywiththeuseoftheMT;especiallywhenitislinkedwithAl.Forstartups,loTisanunlimitedpbyground,where油newbusiness

modelsareemerging.Afewweeksago,SAFsnewlolbbsnBerlinwereinaugurated,wherethecompanywantstoencouragethedevelopmentofloT

incooperationwithpartnersandcustomers.SAPhasalsoconfirmedthetakeoveroftwostart-upsfromItalyandNorway.Overthenotfiveyears,the

companyisgoingtoinvestEUR2billionintheexpansionofitsloTportfolio.(OnginalinGerman；

ir

2006年2012年

研发HANA内存数据库研发云计算平台

2014

1990年20112013

研发第一代研发保险智能

并购No.1全渠道菅理平台并购N。」保险产品工厂平台

核心保险系统风险管控平台

©2016SAPSEoranSAPaffiliatecompany.Allrightsreserved.Internal

SAP保险行业数字化框架2.0

udApp//

CONCUR

SAPAriba瓜SAPHybris(v)

SAPSuccessFactors。

SAPS/4HANACkXid

Fieldglass&

客户既有应用

系统体系

SAPAPIBusinessHub

SAP数字化核心

业务流程移动应用用户本验人工智能机器学习物联网

数据仓库SAP企业智能平台

SAPHANASAPHANAVora

大数据平台(Altiscale)

保险行业商业模式正在转型

现在未来

产品同质化1.客户个性化产品需求工融合

损失赔偿2.风险顷防4渠道多元化

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©2017SAPSEoranSAPaHiiafecompany.Alrightsreserved.

SAP帮助越来越多的保I®公司^始迤行商蕖模式傅型

火所ftAS

Life&ChronicAgeingIncomeHome&Vehicle&Travel&Business

WellnessIllnesscareCare&WealthPropertyMobilityLeisure&Projects

&Discovery

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©2017SAPSEoranSAPaHiiafecompany.Alrightsreserved.

MachineLearningmeetsEnterpriseAreasandSAP'sdigitalcore,

cloudandnetworksprovideanextlogicaltargetforML

•Invoicematching

SAPFIeidglasi\SAPAribaA

•Cashflowforecasting•Travelvirtualagent

•CVmatchingSAP\

Workforce

SAP$uec*%«Faetors•Freelancermatching・Vendormatching

SAPJdm•EEsconng•PayMeNowsolution13CONCUR

•EmployeeLifetimeValue•Procurementrecommenders

•Careerpathrecommender•Semanticprcxluctunderstanding

•EmployeeChumPrediction•Procurementnskdiversification

DigitMQort

•ServiceFinder

•Productrecommender

•DecisionSupport

•CustomerLifetimeValue

•PredictiveMaintenance

•SocialsentimentanalysisSAPHybrisi^r)

•SmartForecastingModel

•Automatedsalesforecasting

•FailureDetectionand

Prediction•Cartabandonmentprediction

•MaintenancePlanning,Clustering•Anomalydetection•Marketingactionrecommender

Optimization•Regression•Reinforcement

•Classificationlearning

27INDUSTRIES,SAPBigDataMarginAssurance,XMExchangeMediaVideoAdvertisingrecommender

Use-CaseDESCRIPTION

RecommendationofInsurance,Insurancecompanieshavemuchmorecustomerdataandcustomerhistorytheneg.retailcompanies

Products•ThesecustomerdatacouldbeevaluatedbyMLtoprovideamoresophisticatedrecommendationfornewproducts

■MLalgorithmevaluatesbusinesspartner-relateddatalikeexistingpoliciesandclaimsoftheapplicantaswellas

datarelatedtotheapplicationandthecoverageinvolved,inordertofindoutwhichcombinationsofattributeswould

Underwriting

resultinspecificunderwritingdecisions,eg.declininganewapplicationiftheriskisdeemedtohighbasedon

specificcombinationsofattributes

■MLalgorithmidentifiestheappropriatepricingforapolicybasedonallavailableandrelevantstructuredand

Pricing

unstructureddatarelatedtothepolicy(seealsouncerwriting)

,Duringtheprocessofaclaimtherearemanyoptionalstepsthatcosteffortbutcouldsavemoney,eg.requestofan

expertreport

ProcessClaims

■AMLalgorithmcouldevaluatetheexistingclaimstodetermineinwhichcasestheseoptionalstepsarehelpfulandin

whichunnecessary

■Reservesettingduringclaimhandlingusuallycomesfromexperienceorisbasedonpreoonfiguredvaluesin

ReserveCalculationcustomizing.Withmoreaccurateautomaticreservesettingbasedonmachinelearning(andreservechangesdueto

changingclaimfacts),thisisoneless(complex)tas<fortheclaimhandler.

■Estimatethecostofacaraccident,basedon

Estimatedamagecostsbased

■Imagerecognitionfrompicturesofthedamagedcar

onpictures

•theknowndataoftheinsuredcar

CONVERSATIONALAPPLICATIONSANDCHATBOTSATSAP

SIMPLIFIEDANDUNIFIEDBYSAPCOPILOT

slack豉汾0MessengerGSuite

SAPCoPilot(Q

ACOHCUR

SAPCoPilotEverywhere

Simon

SalesExecutive

IntheOfficeSimonage1

ItisFridayeveningandSimonjustfinishedacallwithhiscustomer.Insite.Heletshiscolleaguesknowaboutanupcomingcustomermeeting

hehasjustconfirmed.HeusesSlacktocommunicatewithhisteammatesandCoPilotispartoftheconversationandproactivelyhelps

arrangetravelandaccommodationsforthem.

SAPSales

Heyteam,IjustconfirmedameetingwithInsiteinNYCnext

Wednesdaytozalkaboutournewlineoflaptops

Mike,Jennycanuoin?

ShouldIbookyourusualflightsandhotels?[

YespleaseQ)

I'vefoundthefollowingflightsandhotelsbasedonyour

calendarsandprevioustravel.Pleaseconfirm:

Flight:Flight:Flight:

UnitedAirlines225UnitedAirlines225UnitedAirlines755

(UA225)(UA225)(UA755)

Departure:Departure:Departure:

Tuesday,April4,2017Tuesday,April4,2017Tuesday,April4,2017

08:00AM08:00AM11:00AM

YourtravelisbookedandI'veupdatedyourcaler'3

TheAirportLoungeacter:Simonage2

WhileSimonandMikearewaitingtoboardtheirflightintheairportlounge,theywanttoprepare

fortheupcomingmeeting.SimonasksCoPilottoprovidesomeinformationaboutthecustomer.

TheAirportLoungeSimonage3

Rightbeforeboarding,Simonrealizesheforgottobringhislaptopcharger.HequicklyasksCoPilottopurchaseoneforhimin

hiscompany'sB2Bsystem.

SAPAriba

AftertheCustomerMeeting_________MaincharacterSimon|Page4

Afterthecustomermeeting.SimonandhisteamtakeanUbertotheairporttocatchtheirflight.Simonwantstocreatethesalesopportunity

beforehestartstravellingsohecanspendtimewithhisfamilyonceheishome.HeasksCoPilottocreatetheopportunityforhim.CoPilot

createstheopportunitybyidentifyingsomeinfointhecontextofSimon'srequest,thenw