– Tr\u0103im \u00een vremuri de schimb\u0103ri rapide \u0219i de evolu\u021bie tehnologic\u0103 constant\u0103. C\u00e2t de repede poate cre\u0219te o companie \u00een sectoare relativ conservatoare, cum ar fi asigur\u0103rile \u0219i economiile pentru pensii?<\/strong><\/p>\n– R\u0103spunsul scurt este: at\u00e2t de repede pe c\u00e2t de repede absoarbe \u0219i exploateaz\u0103 pe deplin vastele cuno\u0219tin\u021be teoretice \u0219i aplicate din acest sector \u0219i \u021bine pasul cu progresele revolu\u021biei digitale. De la \u00eenfiin\u021barea sa \u00een 2008 ca societate de asigur\u0103ri de s\u0103n\u0103tate, DallBogg a ajuns \u00een doar 5 ani pe o pozi\u021bie de lider. De atunci, ne-am preg\u0103tit pentru separarea Fondului Na\u021bional de S\u0103n\u0103tate, iar \u00eentre timp, \u00een 2013, ne-am extins licen\u021ba ca societate pe ac\u021biuni de asigur\u0103ri, cu accent principal pe asigur\u0103ri generale \u0219i am oferit produse \u00een peste 10 clase de asigur\u0103ri – asigur\u0103ri auto, asigur\u0103ri de bunuri, asigur\u0103ri de r\u0103spundere civil\u0103, asigur\u0103ri de garan\u021bii, asigur\u0103ri de r\u0103spundere civil\u0103, asigur\u0103ri de transport \u0219i asigur\u0103ri agricole. Practic, am oprit \u00eenaintarea \u00een v\u00e2rst\u0103 \u0219i am r\u0103mas ve\u0219nic tineri \u0219i solicita\u021bi. Dup\u0103 ce a ob\u021binut licen\u021ba pentru asigurarea obligatorie de r\u0103spundere civil\u0103 auto (RCA) \u00een 2014, DallBogg a ob\u021binut rezultate remarcabile \u00eentr-o perioad\u0103 record – de la 8125 de poli\u021be \u00een acela\u0219i an, \u00een 2015 am ajuns deja la peste 89 de mii, adic\u0103 de aproape 12 ori mai mult, urm\u00e2nd ca \u00een 2018 s\u0103 dep\u0103\u0219im 255 de mii de poli\u021be. De atunci, DallBogg se num\u0103r\u0103 printre cei mai importan\u021bi asigur\u0103tori din Bulgaria, iar p\u00e2n\u0103 \u00een prezent ne afl\u0103m ferm \u00een top trei cu peste 515 mii de poli\u021be.<\/p>\n
\u00cen 2015, a \u00eenceput \u0219i intrarea noastr\u0103 pe noi pie\u021be europene – am lansat efectiv opera\u021biunile \u00een Grecia, avem o pozi\u021bie solid\u0103 \u00een Italia \u0219i Rom\u00e2nia, ne-am extins recent \u00een Spania \u0219i suntem \u00een cre\u0219tere pe pia\u021ba polonez\u0103. Ne preg\u0103tim cu s\u00e2rguin\u021b\u0103 s\u0103 intr\u0103m pe cea mai competitiv\u0103 pia\u021b\u0103 din Europa – Germania – p\u00e2n\u0103 la sf\u00e2r\u0219itul anului. \u00cen acela\u0219i timp, avem permisiunea de a opera \u00een \u00eenc\u0103 10 \u021b\u0103ri din UE. Astfel, pe aceast\u0103 pia\u021b\u0103, altfel conservatoare, datorit\u0103 cuno\u0219tin\u021belor \u0219i continuit\u0103\u021bii profunde \u0219i adev\u0103rate din cadrul companiei, ne-am construit \u0219i p\u0103strat de-a lungul anilor reputa\u021bia impecabil\u0103, iar marca DallBogg a devenit extrem de recunoscut\u0103 \u00een acest sector, at\u00e2t \u00een \u021bar\u0103, c\u00e2t \u0219i \u00een str\u0103in\u0103tate. Performan\u021bele noastre excelente \u0219i adecvarea perfect\u0103 a capitalului ne-au adus, pe de o parte, respectul autorit\u0103\u021bilor de reglementare \u0219i \u00eencrederea clien\u021bilor \u0219i, pe de alt\u0103 parte, sprijinul puternic al partenerilor no\u0219tri, inclusiv al unor reasigur\u0103tori de top precum SwissRe, MunichRe, AXA.<\/p>\n
La jum\u0103tatea anului 2016, am ob\u021binut o licen\u021b\u0103 de asigurare de garan\u021bii \u0219i nici aici cre\u0219terea nu a \u00eent\u00e2rziat – venitul din prime la sf\u00e2r\u0219itul acelui an era de numai 1 634 BGN, iar \u00een 2017 de 20 673 BGN \u0219i deja 646 736 BGN \u00een 2018, pentru a ajunge la impresionantul venit total de 89 de milioane BGN pentru ultimii trei ani. Aceste rezultate ne-au adus \u00een topul primilor trei asigur\u0103tori care ofer\u0103 aceast\u0103 asigurare important\u0103 pentru dezvoltarea afacerilor, \u00een special \u00een ceea ce prive\u0219te atragerea de investi\u021bii mari \u0219i construirea de proiecte de infrastructur\u0103 cheie pentru \u021bar\u0103.<\/p>\n
Odat\u0103 cu \u00eenfiin\u021barea DallBogg: Life and Health Pension Assurance Company \u00een 2021, ale c\u0103rei trei fonduri de pensii au ob\u021binut randamente impresionante numai \u00een primul trimestru al acestui an, grupul nebancar DallBogg a f\u0103cut ca sectorul financiar al \u021b\u0103rii s\u0103 fie foarte atractiv pentru economi\u0219ti \u0219i investitori. Doar a\u0219a pot fi dep\u0103\u0219ite provoc\u0103rile geopolitice \u0219i de alt\u0103 natur\u0103, pentru c\u0103 altfel, atitudinea noastr\u0103, a cet\u0103\u021benilor, inactiv\u0103 din punct de vedere financiar \u00een via\u021ba de zi cu zi, nu duce dec\u00e2t la o economie na\u021bional\u0103 nestingherit\u0103, centralizat\u0103 \u0219i patriarhal\u0103 – f\u0103r\u0103 buget de pia\u021b\u0103 -: economie slab\u0103, na\u021biune slab\u0103.<\/p>\n
– Chiar ave\u021bi o viziune larg\u0103! Dezvoltarea dinamic\u0103 este, de asemenea, impresionant\u0103, \u0219i care este adev\u0103rata re\u021bet\u0103 a succesului?<\/strong><\/p>\n– O disciplin\u0103 financiar\u0103 excelent\u0103, respectarea strict\u0103 a reglement\u0103rilor sectoriale \u0219i a legisla\u021biei generale, o structur\u0103 liniar\u0103 profitabil\u0103 \u0219i flexibil\u0103, perspicacitate \u00een materie de investi\u021bii, o cultur\u0103 de succes a companiei cu o preg\u0103tire constant\u0103 a tinerilor profesioni\u0219ti \u0219i dezvoltarea creativit\u0103\u021bii competente, un management bazat strict pe expertiz\u0103 \u0219i predictibilitate. De-a lungul anilor, am r\u0103mas fideli spiritului nostru de deschidere \u0219i respect pentru nevoile clien\u021bilor, al\u0103turi de un efort constant de a oferi alegeri bine informate \u00een cadrul unei pie\u021be competitive de asigur\u0103ri \u0219i acum de economisire pentru pensie. Suntem cu picioarele bine \u00eenfipte \u00een p\u0103m\u00e2nt \u0219i avem vise pentru secolele urm\u0103toare: \u00een fiecare zi suntem inspira\u021bi de provoc\u0103rile constante ale jocului \u00een echip\u0103 \u0219i ale continuit\u0103\u021bii – managementul experimentat \u0219i maturitatea exper\u021bilor no\u0219tri veterani se combin\u0103 cu impulsul \u0219i solu\u021biile moderne ale celor mai tineri. Nu \u00een ultimul r\u00e2nd – atitudinea pozitiv\u0103 privind implementarea de noi tehnologii. Pentru c\u0103 inova\u021biile tehnice nu mai sunt de mult timp doar un plus de valoare pentru serviciile din sectorul asigur\u0103rilor, ci determin\u0103 de fapt cre\u0219terea \u0219i dezvoltarea acestuia. \u00cen ultimii ani, logica lumii digitale, a re\u021belelor mobile, a dispozitivelor GPS \u0219i a re\u021belelor de socializare au avut un impact uria\u0219 asupra modului \u00een care comunic\u0103m cu clien\u021bii no\u0219tri, cercet\u0103m \u0219i r\u0103spundem nevoilor lor, stoc\u0103m, proces\u0103m \u0219i utiliz\u0103m informa\u021biile, proces\u0103m cererile de desp\u0103gubire pentru asigur\u0103ri – cu o vitez\u0103 \u0219i o precizie mult mai mari.<\/p>\n
– Este clar c\u0103 nu ne este fric\u0103 de concuren\u021ba european\u0103 \u0219i global\u0103 din Bulgaria! Este adev\u0103rat \u0219i dac\u0103 da – de ce?<\/strong><\/p>\n– \u00cen mod natural ne este fric\u0103, suntem normali \u0219i cinsti\u021bi, de aceea ne mobiliz\u0103m – c\u00e2teva milioane „lupt\u0103toare” \u00eempotriva a multe, dar neorganizate miliarde! Noi credem c\u0103 de aceea fiecare piatr\u0103 c\u00e2nt\u0103re\u0219te la locul ei!<\/p>\n
Imagina\u021bi-v\u0103 un viitor apropiat al cuceririi pie\u021bei \u0219i al suprema\u021biei organizate, intelectuale \u0219i inspirate! \u00centreprinderile antreprenoriale regionale nu vor fi niciodat\u0103 dep\u0103\u0219ite \u00een profitabilitate \u0219i flexibilitate, \u00een dedica\u021bie \u0219i onestitate managerial\u0103 – acest lucru este recunoscut pe Wall Street, \u00een City of London, la Frankfurt \u0219i Paris, \u00een Singapore \u0219i Tokyo \u0219i chiar \u0219i \u00een Hong Kong, acum China!<\/p>\n
– Cum vede\u021bi viitorul acestui sector \u00een viitor?<\/strong><\/p>\n– Odat\u0103 cu ascensiunea digitaliz\u0103rii \u0219i cu progresele \u00een colectarea \u0219i analiza datelor, companiile de asigur\u0103ri \u00ee\u0219i pot \u00een\u021belege mai bine clien\u021bii \u0219i pot contribui la modernizarea \u021b\u0103rii. Pe l\u00e2ng\u0103 faptul c\u0103 anticip\u0103m mai devreme dec\u00e2t mul\u021bi al\u021bii ie\u0219irea infla\u021biei din \u00eentunericul imprevizibilit\u0103\u021bii, oferim din ce \u00een ce mai multe produse de asigurare personalizate, adaptate la nevoile, riscurile \u0219i preferin\u021bele individuale – clientul prime\u0219te acoperiri, condi\u021bii \u0219i servicii optim adaptate. Sfaturile \u0219i cerin\u021bele noastre \u00een fiecare context specific contribuie adesea la cre\u0219terea productivit\u0103\u021bii \u00een \u00eentreprinderile individuale. Pe scurt, viitorul include asigur\u0103ri personalizate \u0219i, \u00een special, produse de pensii, economii pentru pensie pentru omul modern \u0219i antreprenoriatul s\u0103u.<\/p>\n
De\u0219i NZIA (Net Zero Insurance Alliance), \u00eenfiin\u021bat\u0103 de ONU \u00een urm\u0103 cu doi ani, este pe cale s\u0103 se pr\u0103bu\u0219easc\u0103 din cauza retragerii marilor companii de asigur\u0103ri, suntem convin\u0219i c\u0103 „tranzi\u021bia verde” nu se poate opri \u0219i trebuie s\u0103 continue, sus\u021binut\u0103 prin toate mijloacele \u0219i formele legale.<\/p>\n
Algoritmii avansa\u021bi pot gestiona sarcini precum recomand\u0103rile de acoperire, evaluarea riscurilor \u0219i detectarea fraudelor. Acest lucru \u00eenseamn\u0103 servicii mai rapide \u0219i mai precise, la un pre\u021b accesibil. A\u0219a-numitul „Internet al lucrurilor” (IoT) se afl\u0103 \u00een centrul digitaliz\u0103rii economiei globale. Datele colectate \u00een timp real prin intermediul etichetelor electronice, al senzorilor \u0219i al camerelor de luat vederi ar putea fi utilizate \u00een diverse tipuri de asigur\u0103ri – de s\u0103n\u0103tate, de export \u0219i mai ales de pensii. De exemplu, tehnologiile purtabile ar putea monitoriza parametrii de s\u0103n\u0103tate, telematica ar putea evalua comportamentul \u0219oferilor \u00een asigur\u0103rile auto, iar dispozitivele inteligente pentru locuin\u021be ne-ar ajuta s\u0103 detect\u0103m poten\u021bialele riscuri, cum ar fi incendiile sau scurgerile de ap\u0103 sau de gaz. Suntem cu mult \u00eenainte \u00een ceea ce prive\u0219te solu\u021biile de investi\u021bii datorit\u0103 speciali\u0219tilor no\u0219tri dedica\u021bi din birourile noastre din Bulgaria \u0219i din str\u0103in\u0103tate.<\/p>\n
De asemenea, tehnologia Blockchain intr\u0103 din ce \u00een ce mai mult \u00een activitatea noastr\u0103. Caracteristicile unui registru digital transparent \u0219i descentralizat de date trasabile, a\u0219a-numitul „blockchain trail”, devin parte din setul de instrumente pentru prevenirea fraudelor, verificarea contractelor \u0219i a cererilor de desp\u0103gubire. Aceast\u0103 tehnologie ne-a ar\u0103tat deja posibilit\u0103\u021bi mai mult dec\u00e2t promi\u021b\u0103toare pentru crearea unui sistem descentralizat, transparent \u0219i eficient de gestionare a proceselor de asigurare – lucr\u0103m \u00een vederea unei implement\u0103ri pe scar\u0103 mai larg\u0103.<\/p>\n
– \u0218i care este rolul IA \u00een domeniul dumneavoastr\u0103? Ve\u021bi desfiin\u021ba locuri de munc\u0103?<\/strong><\/p>\n– Multe aspecte ale industriei asigur\u0103rilor \u0219i pensiilor, de la subscriere la procesarea cererilor de desp\u0103gubire sau de la economii la a doua pensie, pot fi automatizate cu ajutorul AI \u0219i al \u00eenv\u0103\u021b\u0103rii automate. Telemedicina intr\u0103, la o scar\u0103 serioas\u0103, cu un succes din ce \u00een ce mai mare. Acest lucru contribuie la reducerea costurilor, la cre\u0219terea eficien\u021bei \u0219i la limitarea erorilor umane. AI poate automatiza procesul de tratare a cererilor de desp\u0103gubire, f\u0103c\u00e2ndu-l mai rapid \u0219i mai eficient. Aceasta poate analiza daunele din fotografii, poate \u00een\u021belege amploarea daunelor \u0219i chiar poate determina suma adecvat\u0103 de plat\u0103.<\/p>\n
De la \u00eenfiin\u021barea sa, DallBogg a crescut continuu num\u0103rul de angaja\u021bi ai companiei prin descoperirea \u0219i dezvoltarea de locuri de munc\u0103 talentate, cu \u00eenalt\u0103 calificare \u0219i bine pl\u0103tite. Nu exist\u0103 dec\u00e2t cre\u0219tere \u0219i perspective care dicteaz\u0103 ca aceast\u0103 tendin\u021b\u0103 s\u0103 continue – nu numai pentru c\u0103 aplica\u021biile, reglementarea direct\u0103 \u0219i „reglarea fin\u0103” a IA pentru diverse domenii ale vie\u021bii, inclusiv pentru asigur\u0103ri, nu au fost \u00eenc\u0103 dezvoltate mai precis, dar \u0219i pentru c\u0103 angaja\u021bii no\u0219tri sunt \u00eentr-un mod constant de formare \u0219i perfec\u021bionare pentru a utiliza, nu pentru a fi \u00eenlocui\u021bi de poten\u021bialul IA, care, \u00een orice caz, pare mare:<\/p>\n
\n- \u00a0\u00a0\u00a0 Detectarea fraudelor de asigurare \u00een \u021bar\u0103 \u0219i \u00een Europa:<\/strong> IA poate analiza cantit\u0103\u021bi uria\u0219e de date pentru a identifica tipare \u0219i a detecta comportamente frauduloase. Ea poate recunoa\u0219te inconsecven\u021bele din datele privind cererile de desp\u0103gubire, poate alerta investigatorii \u00een cazul unui comportament suspect.<\/li>\n<\/ul>\n
\n- \u00a0\u00a0\u00a0 Evaluarea riscurilor: <\/strong>algoritmii pot utiliza seturi mari de date pentru a determina cu mai mult\u0103 precizie nivelul de risc \u00eentr-un domeniu de activitate individual sau \u00een leg\u0103tur\u0103 cu o anumit\u0103 persoan\u0103 sau \u00eentreprindere. \u00cempreun\u0103 cu competen\u021bele \u0219i experien\u021ba speciali\u0219tilor \u00een riscuri (actuari), vom putea stabili prime mai echitabile, deoarece vom cunoa\u0219te \u0219i mai bine clien\u021bii \u0219i partenerii.<\/li>\n<\/ul>\n
\n- \u00a0\u00a0\u00a0 Servicii mai bune pentru clien\u021bi:<\/strong> Chatbots cu inteligen\u021b\u0103 artificial\u0103 pot r\u0103spunde la \u00eentreb\u0103rile clien\u021bilor 24 de ore pe zi, 7 zile pe s\u0103pt\u0103m\u00e2n\u0103, oferind asisten\u021b\u0103 imediat\u0103. De asemenea, AI poate personaliza recomand\u0103rile pe baza datelor individuale ale clien\u021bilor, ceea ce \u00eembun\u0103t\u0103\u021be\u0219te experien\u021ba clien\u021bilor, inclusiv prin reducerea costurilor, cre\u0219terea \u00eencrederii \u0219i a rela\u021biei cu compania.<\/li>\n<\/ul>\n
\n- \u00a0\u00a0\u00a0 Descoperirea \u0219i dezvoltarea de noi pie\u021be de ni\u0219\u0103:<\/strong> o mare parte a popula\u021biei din Balcani (Grecia, Bulgaria, Rom\u00e2nia), milioane de oameni se asigur\u0103 \u00eempotriva riscurilor doar atunci c\u00e2nd este absolut obligatoriu prin lege (similaritate de mentalitate, \u00een ciuda diferen\u021belor lingvistice serioase) \u0219i, prin urmare, cu schimb\u0103ri climatice imprevizibile \u0219i \u00eentreprinderi de ultim\u0103 or\u0103, se afl\u0103 din ce \u00een ce mai des \u00een situa\u021bii financiare dificile. Inteligen\u021ba artificial\u0103 va contribui \u00een mare m\u0103sur\u0103 la dezvoltarea evalu\u0103rii riscurilor personale \u0219i la ridicarea culturii de s\u0103n\u0103tate, financiare \u0219i de asigurare a marilor popula\u021bii.<\/li>\n<\/ul>\n
Bine\u00een\u021beles, ne-ar pl\u0103cea foarte mult s\u0103 vedem c\u0103 \u00eenv\u0103\u021b\u0103m\u00e2ntul superior din Bulgaria este reformat \u00een direc\u021bia \u0219i cu un accent puternic pe STEM (\u0219tiin\u021b\u0103, tehnologie, inginerie \u0219i matematic\u0103). Societatea \u0219i noi mai avem \u00eenc\u0103 mult de lucru pentru a crea \u0219i a pune \u00een aplicare un cadru de reglementare care s\u0103 asigure c\u0103 IA \u021bine cont de implica\u021biile etice \u0219i de complexitatea fiec\u0103rei situa\u021bii individuale, cum ar fi temerile legate de stocarea datelor \u0219i de confiden\u021bialitate.<\/p>\n
Dar un lucru este sigur: viitorul este deja aici \u0219i noi \u00eel construim.<\/p>\n
Articolul complet este disponibil aici<\/em><\/a> \u00een limba bulgar\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"Trei genera\u021bii de exper\u021bi \u00een asigur\u0103ri \u0219i dezvoltarea fondurilor de pensii: Todor Todorinski – director executiv; Maria Mineva – \u0219efa Departamentului de asigur\u0103ri generale; Nikolay Sotirov – membru al Consiliului de Administra\u021bie. (r\u0103spunsuri colective la Maria Kouzmanova) – Tr\u0103im \u00een vremuri de schimb\u0103ri rapide \u0219i…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[69],"tags":[],"yoast_head":"\n
Noile tehnologii \u0219i continuitatea sunt cheia dezvolt\u0103rii durabile \u00een domeniul asigur\u0103rilor - \u0417\u0410\u0414 \u0414\u0430\u043b\u043b\u0411\u043e\u0433\u0433 \u0416\u0438\u0432\u043e\u0442 \u0438 \u0437\u0434\u0440\u0430\u0432\u0435 \u0410\u0414<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dallbogg.com\/ro\/new-technologies-and-continuity-are-the-key-to-sustainable-development-in-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Noile tehnologii \u0219i continuitatea sunt cheia dezvolt\u0103rii durabile \u00een domeniul asigur\u0103rilor - \u0417\u0410\u0414 \u0414\u0430\u043b\u043b\u0411\u043e\u0433\u0433 \u0416\u0438\u0432\u043e\u0442 \u0438 \u0437\u0434\u0440\u0430\u0432\u0435 \u0410\u0414\" \/>\n<meta property=\"og:description\" content=\"Trei genera\u021bii de exper\u021bi \u00een asigur\u0103ri \u0219i dezvoltarea fondurilor de pensii: Todor Todorinski – director executiv; Maria Mineva – \u0219efa Departamentului de asigur\u0103ri generale; Nikolay Sotirov – membru al Consiliului de Administra\u021bie. 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