insurtechs Das Erwachen der Macht? oder schlägt das imperium zurück? sascha noack head of network new players network 31/05/2016
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1 insurtechs Das Erwachen der Macht? oder schlägt das imperium zurück? sascha noack head of network new players network 31/05/2016 1
2 März 2016 gegründet Ziele: Etablierung eines Netzwerks für InsurTechs und Versicherungsanbieter Förderung der Innovationskultur in der Assekuranz Aktuell: 18 StartUps 2
3 3
4 Changed, something HAS <- yoda 4
5 »InsurTechs an overview« Fintech in Deutschland: Wer seid Ihr und wenn ja, wie viele? 5
6 »InsurTechs an overview«fintech: Nutzung moderner Technologie zur Bereitstellung finanzieller Dienstleistungen durch Unternehmen, die (ursprünglich) aus dem Nichtbankenbereich stammen. 405 Barkow Consulting 250 Ernst & Young Unternehmen, die innovative Geschäftsmodelle mit Technologie kombinieren, um Finanzdienstleistungen zu unterstützen, zu verbessern und anzugreifen. Quelle: 6
7 »InsurTechs an overview« FINTECHS IN GERMANY Quelle: paymentandbanking.com Ernst&Young Barkow Consulting 7
8 »InsurTechs an overview« Mio für Versicherer Start-Up ohne konkretes Geschäftsmodell Insurtech-Startup Knip erhält knapp 14 Millionen Euro Millionen Euro für HelloFresh Bewertung steigt auf 2,6 Milliarden MARKTKAPITALISIERUNG in Mrd. Euro 30 Munich Re 44 PayPal 8
9 »InsurTechs an overview«quelle: Barkow Consulting Quelle: Finanzchef24 9
10 »InsurTechs an overview«relative to the market s size we feel confident that InsuranceTech startups should have absorbed twelve times more funding than they have thus far. Effectively cooperating with startups may be the only way for incumbent insurers to fend off potential competitors such as Google, Amazon, Facebook and other non-traditional players. While one-third of these startups can be seen as disruptive to incumbent insurers, most enable existing insurers to harness technology. Thus, insurers have much to gain from fruitful collaboration with startups. Quelle: CommerzVentrues: Emerging Technologies Transforming the $4tn Insurance Industry (07. März 2016) 10
11 I find your lack of faith disturbing. <- Darth Vader 11
12 Why The Insurance industry needs StartUps Insurance companies have optimize their value chain for years They do not pass through the knowledge funnel repeatedly Efficiency and Shareholder-Value-optimization are their top priority's (rightly so!?) massive investment in an innovation culture seem to be considered as a waste of money therefore the emergence of disruptive innovations out of insurance company's is highly unlikely the industry needs external impulses! 12
13 »InsurTechs an overview«disruptive StartUps create a better world Lower Prices Higher comfort TraNsparency Faster Access New Experiences 13
14 the dark side I sense in you <- yoda 14
15 Vergleichsportale Versicherungsprodukte B2B(2C) Integration InsurTechs Vertragsverwaltung (Nettotarife) Vertriebs- und Produktkonzepte Makler via Social Networks Versicherungsprodukte (B2C) Makler mit Online- Vertragsverwaltung Finanzmakler mit Online- Vertragsverwaltung
16
17 no InsurTech really is disruptive. Wenn sie einen Scheiss Prozess digitalisieren, dann existing haben value chain sie and eben digitalizes einen as scheiss well as optimizes digitalen (?) it Prozess The majority of the InsurTechs singles out a specific part of the Scalability and the USP are often missing It takes a huge amount of funding to rise to the market challenges Thorsten Dirks, CEO, Telefónica Deutschland THORSTEN DIRKS, CHIEF EXECUTIVE OFFICER (TELEFONICA DEUTSCHLAND 17
18 DISRUPTION IS NOT THE CRITERION THAT DETERMINES WHETHER A BUSINESS MODEL IS SUCCESSFUL OR NOT, Oliver Samwer, CEO, Rocket Internet ( ) 18
19 »InsurTechs an overview«the customer contact is crucial The Bottleneck Product Customer 19
20 The biggest cab company doesn t own any cars. The biggest media company does not produce any content. The biggest Online retailer does not have an inventory. The biggest accommodation market place does not own real estate. 20
21 and tomorrow? The biggest INSURANCE SUPPLIER doesn't understand anything about risk calculation and claims management? 21
22 The Force is strong with this one <- Darth Vader 22
23 »InsurTechs an overview«game changing Technologies Big Data Artificial Peer2peer Blockchain Intelligence 23
24 »FinTechs, InsureTechs, Google, etc.: Wo stehen wir?«#4 Data Analytics wird die Beratung nachhaltig verändern 24
25 »InsurTechs an overview«big Data and A.I. 25
26 »InsurTechs an overview«big Data and A.I. Robotic consultants are the biggest competition for human consultants. And they will win. [...] Robots impress with lower expenditures, no human failures whatsoever and they are far superior when comes to knowledge processing. - Christian Rieck, finance professor at the Frankfurt University of Applied Sciences. 26
27 »InsurTechs an overview«peer2peer * *Lemonade is part of a surge in insurance tech startup funding that reached $2.65 billion in 2015, up from $740 million in
28 »InsurTechs an overview«peer2peer Three Russian developers have developed an insurance model without insurance companies. The Peer to Peer model establishes rules and develops payment scenarios. This basically means that the insured customers speak to each other. The model is called "Teambrella". 28
29 »InsurTechs an overview«blockchain 29
30 30
31 »InsurTechs an overview«but what about oscar * *Finanziert mit 350 Millionen Dollar, davon 32,5 Millionen Dollar von Google. 31
32 Must unlearn what you have learned <- yoda 32
33 New players enter the market however most of them are not disruptive, scalable and do not own an USP The real danger are data driven technologies. They will change the industry permanently Therefore the Insurance industry has to seriously question its products, services and corporate principles if it wants to survive Insurance company's need to establish an innovation culture cooperation not fear or arrogance seems to be one promising path 33
34 If WE don't create the thing that kills Facebook, someone else will. Facebook s Red Book 34
35 Do or do not there is no try <- yoda 35
36 InsurTech Briefing StartUp Monitor Format: Inhouse Veranstaltung Zielgruppe: Fach- und Führungskräfte von Versicherungsunternehmen, die Produkte und Services unter Nutzung innovativer Kooperationspartner weiter entwickeln wollen Dauer: 4-6 Stunden Inhalte: Status Quo InsurTechs Einordnung in den Markt & Ziele der InsurTechs intensive Diskussion der Player Wirkungsbeziehungen: disruptiv vs. kooperativ Diskussion der Auswirkungen auf das eigene Haus Blick über den Tellerrand Format: Informationsdienst Inhalte: Überblick und Detailinformationen über die (versicherungsrelevanten) Start Ups relevante Informationen zu FinTechs & InsurTechs am deutschen Markt, anhand von Kategorien wie Geschäftsmodell, Kundennutzen, Wettbewerbsverhalten, Chancen & Risiken sowie weitere 36
37 Thanks for your attention! 37 Sascha Noack T E sascha@newplayersnetwork.jetzt X L
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