Monetización de datos en el sector asegurador
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Date
2020-11
Authors
Grajales Vélez, Dianey Nanyiber
Salazar Acevedo, Mabel Catalina
Zapata Ochoa, Santiago
Advisors
Sierra Cadavid, Milton Esteban
Editors
Journal Title
Journal ISSN
Volume Title
Publisher
Corporación Universitaria Minuto de Dios
Type
Thesis
Rights
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
El presente trabajo de investigación consiste en la descripción y análisis de las condiciones actuales que tiene el sector asegurador colombiano en cuanto a los datos almacenados y los beneficios que obtienen o pueden obtener a través de estos. La principal problemática de investigación se basa en encontrar un ingreso financiero partiendo de los datos almacenados que surgen de la operación del negocio, datos que en el mundo actual se van incrementando exponencialmente y que las empresas aseguradoras deben estar a la vanguardia con relación a su entorno ya un ambiente más competitivo; teniendo en cuenta todo esto, se buscan los mecanismos más innovadores y que incluyan nuevas tecnologías que revolucionan el mundo actual y generan un mayor valor a las empresas. Para el desarrollo de la investigación se tomó como referentes entrevistas a tres grandes aseguradoras Colombianas, cómo también fuentes primarias como bases de datos académicas, revistas de tecnología, artículos e investigaciones de tendencias en el sector asegurador, con el fin de obtener información más detallada que se acerque a la situación real del sector tomando como base los diferentes casos aplicados en el mundo sobre la monetización de los datos en el sector asegurador, teniendo esto en cuenta se realizó una caracterización de las principales estrategias más exitosas que basados en un cuadro de priorización se tomaron los aspectos más importantes que deben tener las aseguradoras en el manejo de sus datos, en el análisis y aplicación de los mismos, realizándose una propuesta basada en el análisis e integración de la información de los clientes con una vista 360 y una aplicación de la inteligencia artificial para la disminución de gastos, pérdidas, primas y monitoreo de datos.
This research consists of the description and analysis of the current conditions that the Colombian insurance sector has in terms of the stored data and the benefits that they obtain or can obtain through them.The main research problem is based on finding a financial income based on the stored data that arises from the operation of the business, data that in today's world are increasing exponentially and that insurance companies must be at the forefront in relation to their environment and to a more competitive environment; Taking all this inaccount, the most innovative mechanisms are sought, including new technologies that revolutionize today's world and generate greater value for companies. For the development of the research, interviews with three large Colombian insurance companies were taken as references, as well as primary sources such as academic databases, technology magazines, articles and research on trends in the insurance sector, in order to obtain more detailed information that approaches the real situation of the sector based on the different cases applied in the world on the monetization of data in the insurance sector, taking this into account a characterization of the main most successful strategies was carried out based on a prioritization table.The most important aspects that insurers must have in the management of their data, in the analysis and application of the same, were taken, making a proposal based on the analysisand integration of customer information with a 360 view and an application of artificial intelligence to reduce expenses, losses, premiums and data monitoring.
This research consists of the description and analysis of the current conditions that the Colombian insurance sector has in terms of the stored data and the benefits that they obtain or can obtain through them.The main research problem is based on finding a financial income based on the stored data that arises from the operation of the business, data that in today's world are increasing exponentially and that insurance companies must be at the forefront in relation to their environment and to a more competitive environment; Taking all this inaccount, the most innovative mechanisms are sought, including new technologies that revolutionize today's world and generate greater value for companies. For the development of the research, interviews with three large Colombian insurance companies were taken as references, as well as primary sources such as academic databases, technology magazines, articles and research on trends in the insurance sector, in order to obtain more detailed information that approaches the real situation of the sector based on the different cases applied in the world on the monetization of data in the insurance sector, taking this into account a characterization of the main most successful strategies was carried out based on a prioritization table.The most important aspects that insurers must have in the management of their data, in the analysis and application of the same, were taken, making a proposal based on the analysisand integration of customer information with a 360 view and an application of artificial intelligence to reduce expenses, losses, premiums and data monitoring.
Description
Keywords
Analítica Avanzada, Big Data, Inteligencia Artificial, Monetización de Datos, Sector Asegurador, Advanced Analytics