"Pocket insurance" will be the main trend

If we vertically compare the "yesterday's" and "today's" ones in the insurance industry, E-commerce will undoubtedly transform the handling of a single insurance business from the "past pull" to the "revolution at the fingertips" today.

The so-called E, a simple explanation, that is, networking, the use of mobile Internet to support the insurance business, rather than as in the past rely on the "bad writing." In the past for a single business can be "tossing" 15 days, now the fastest as long as 15 minutes to complete, get done.

As a well-known private insurance company in China, the winner of "Best Service Insurance Company", the company's CIO said in an interview in Beijing recently that "Convenient Fast Security" is the greatest feeling the company brings to its customers and the success of A Life's Road.

Mobile e-commerce allows the insurance industry to spread its wings

In the Internet era, the online operation of the financial and insurance industry is moving forward in full swing. Nowadays, many insurance companies have taken the gun of mobile terminals and introduced the mobile terminal business. They are trying their best to introduce the mobile Internet into the insurance products.

A Life Insurance Co., Ltd. was established in early 2001. By the beginning of 2014, the Company has set up more than 60 cities in Beijing, Jiangsu, Guangdong, Shanghai, Hubei, Shandong, Tianjin, Guangxi, Fujian, Hebei and Liaoning provinces, Life insurance business, and has tens of thousands of employees. At present, A Life Insurance has established a complete IT system. Its business systems include more than 10 core business systems, proposal proposal systems, underwriting systems, OA systems, reception desk administrative systems, imaging systems, group insurance systems and agent salary systems A system. With the continuous expansion of business scale, a growing variety of applications, corporate information technology to accelerate the conversion of mobile terminals.

"After the Malaysia Airlines MH370 is out of touch, we launched the $ 30 Accident Insurance which can secure $ 1 million in 'all the way' flight. This piece of electronic commerce on the mobile phone is selling very well and is very popular." Chen said, "We actively use intelligence Mobile phones, IPAD and other mobile terminals to carry out many business model changes to promote the traditional information technology to the mobile information innovation, such as the recent establishment of e-commerce team sales insurance, is to seize and guide a new generation of consumer models in order to seize the market machine."

Nowadays, insurance agents say: running insurance is hard and it is harder to go to insurance. In recent years, in the process of informationization of the insurance industry, the emergence and application of the mobile exhibition platform and mobile claim insurance have solved the troubles of many insurance practitioners. It is foreseeable that in a few years, people will use fewer and fewer traditional PCs, and more people will use the service cloud via tablet computers and mobile terminals to make new demands on relevant technical departments of the insurance industry Must be changed from a follower of technological innovation to a pioneer of technological innovation.

"At present, this sales channel, we actively promote e-insurance, especially mobile insurance, claims, our marketing staff, agents, including banks, third-party partners, has been extensive implementation of IPAD, smart phones and other mobile applications through the mobile exhibition, The scene to complete sales, electronic insurance, mobile claims. "Chen said," In the past we have to return to the company to scan the sales, the insurance chargeback, and then mail the policy to the customer, to use a week, and now IPAD to do electronic insured, from Electronic camera to the electronic signature and then to the scene to submit nuclear underwriting, the policy takes effect, the entire insurance process less than half an hour, and even the scene there will be e-policy direct mail past customers where customers can also check their own policy information. The application of the exhibition platform has greatly enhanced the work efficiency of insurance agents and provided quite convenient and high-quality services for insurance purchasers, so as to promote the innovation and qualitative leap of service in the domestic insurance industry. "

Chen also said the company also attaches importance to mobile OA construction, borrowing mobile OA to improve office efficiency, which is to improve the company's internal management needs. Travel staff is not in the post, office continuity will be interrupted, debris can not be used, the efficiency is not high enough. At present, A Life Insurance Office can do mobile office approval, especially for company executives, can do mobile office anytime, anywhere, you can really use the debris time, office efficiency has been greatly improved. The future company will be in business development, customer development, channel development to achieve better coordination.

MDM has become a "must-have" for the insurance industry

Nowadays, with the maturing and popularization of intelligent terminals, personal intelligent terminal devices represented by mobile phones and flat panels quickly enter the home and office fields. Employees' personal mobile devices can access corporate data over the mobile Internet anytime, anywhere. BYOD has become an irreversible trend. However, this makes the original enterprise network more ambiguous boundaries, to the enterprise information security system unprecedented new confusion, new challenges. Mobile Device Management (MDM) came into being.

"In terms of mobile applications and management, the company does not really have much confusion and we value the maturity of mobile applications, where we focus on the balance of security and ease of use, the balance of commitment and risk, the security and experience Balance. "Mr. Chen explained," BYOD brings convenience as well as risk management for the company. We have strengthened the control of mail and documents and strengthened the deployment of mobile networks. We now need to fully utilize the management of MDM Protection capabilities, such as remote wipe capabilities, provide better management of employees in BYOD mode. "

Today, A Life has cooperated with the well-known mobile information service providers of flames Star, with the help of flames MDM to build mobile

Great Wall of Management Information. In the enterprise how to treat BYOD, the future is ready to adopt distribution or employees bring? Chen total recognition

They have their own strengths and weaknesses, suitable for different groups of different businesses.

Html5, native development, mobile development platform, which is more suitable for business

For CIOs, choosing which kind of development platform to carry out mobile planning is in the overall interest of the enterprise. This is a thorny and important issue. So far, there is no clear conclusion.

Html 5 from FaceBook to switch to native development, there are people in the industry to predict html5 may not be the best choice for enterprise mobile development. Native development is the choice of many CIOs at present. Although native development makes execution speed, visual effect and touch usability better, the development of App is not a one-time work for the enterprise, and it still needs to be maintained and added Features. In addition, mobile platform development model has long been in China, smart city mobile middleware platform development model, although the effect of the experience as native development, but the development of full-terminal coverage advantage or better than the native development, a lot of manpower savings And maintenance costs. However, the mobile middleware platform is slightly more expensive, which is why it can not be further popularized.

Chen believes that based on html5 technology more suitable for their business. A great reason is that the design of the beginning of its establishment of the principle of openness, based on this principle of compatibility, practicality and cross-platform, the App center can be changed from the system to the user, breaking the closed structure, to better serve the user, and This is the real trend of the mobile Internet. From the enterprise-class mobile development platform, he himself more recognized Starcom's mobile application platform ExMobi, mobile management platform MobileArk

The data show that from 2008 to 2013, China's insurance industry during the five-year overall investment in information technology at a CAGR of about 15.53%. Today, information technology has been widely used in various business operations and management processes of product development, underwriting and claims, sales support and channel management, customer relationship management, investment management, actuarial, financial control and risk management of insurance companies.

In this regard, Chen agreed. In recent years, A Life Insurance annual information investment, though not large, but gradually increasing every year, especially mobile information construction this piece, the proportion of more and more investment.

When it comes to how to treat big data, corporate social, cloud computing for the business impact? Chen said that A Life is concerned about all these aspects and will be properly invested in due course.

General optimistic forecast, the future insurance products from sales, insurance to claims will achieve remote intelligent control, pocket the "insurance products" will become an important trend.

Under the trend of global integration, with the help of information technology and advanced foreign experience, mobile information technology infiltrates into the "blood" of insurance companies and believes that the development of insurance industry in our country has unlimited money!