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n<\/ul>\n<blockquote>\n<p><em>\u300c<\/em><em>\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306f\u3001\u30ea\u30b9\u30af\u30d5\u30ea\u30fc\u306e\u5f15\u53d7\u3051\u3001\u5373\u6642\u8cfc\u5165\u3001<\/em><em>AI\u4e3b\u5c0e\u306e\u8acb\u6c42\u51e6\u7406\u3092\u306f\u3058\u3081\u3068\u3059\u308b\u6280\u8853\u9769\u65b0\u3092\u901a\u3058\u3066\u3001\u30ab\u30b9\u30bf\u30de\u30fc\u30b8\u30e3\u30fc\u30cb\u30fc\u3092\u3053\u308c\u307e\u3067\u306b\u306a\u304f\u8fc5\u901f\u3067\u7c21\u4fbf\u304b\u3064\u52b9\u7387\u7684\u306a\u3082\u306e\u3068\u3057\u3001\u30ab\u30b9\u30bf\u30de\u30fc\u30fb\u30a8\u30af\u30b9\u30da\u30ea\u30a8\u30f3\u30b9\u3092\u518d\u5b9a\u7fa9\u3057\u3066\u3044\u307e\u3059\u300d<\/em><\/p>\n<p><em>\u300c\u4e00\u65b9\u3001\u81ea\u52d5\u8eca\u30bb\u30af\u30bf\u30fc\u3067\u306f\u3001\u8eca\u5185\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306e\u958b\u767a\u3092\u76ee\u6307\u3057\u3001<\/em><em>OEM\u304c\u65b0\u305f\u306a\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u69cb\u7bc9\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u30b7\u30b9\u30c6\u30e0\u304c\u5b9f\u73fe\u3059\u308c\u3070\u3001\u30ac\u30bd\u30ea\u30f3\u3084\u8efd\u98df\u306e\u652f\u6255\u3044\u3001\u3055\u3089\u306b\u306f\u30db\u30c6\u30eb\u306e\u4e88\u7d04\u307e\u3067\u3001\u30c9\u30e9\u30a4\u30d0\u30fc\u304c\u8eca\u5185\u3067\u76f4\u63a5\u884c\u3048\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u300d<\/em>\u3068\u3001Abdul Latif Jameel\uff08\u30a2\u30d6\u30c9\u30a5\u30eb\u30fb\u30e9\u30c6\u30a3\u30d5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\uff09\u306e\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u62c5\u5f53\u6700\u9ad8\u8cac\u4efb\u8005\u3067\u3042\u308b<a href=\"https:\/\/alj.com\/ja\/financial-services\/\"><u>\u30cb\u30eb\u30d5\u30a1\u30fc\u30fb\u30ae\u30e5\u30f3\u30cf\u30f3<\/u><\/a>\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/p>\n<\/blockquote>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-87941\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/ALJ-Insurance-Tech-Infographics-Health.jpg\" alt=\"\" width=\"2560\" height=\"1896\" \/><\/p>\n<h2>\u300c\u6539\u5584\u300d\u5bfe\u300c\u7834\u58ca\u300d<\/h2>\n<p>\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306b\u306f2\u3064\u306e\u5927\u304d\u306a\u67f1\u304c\u3042\u308a\u307e\u3059\u3002\u300c\u6539\u5584\u300d\u3068\u300c\u7834\u58ca\u300d\u3067\u3059\u3002<\/p>\n<p>\u524d\u8005\u306f\u3001\u65e2\u5b58\u306e\u30d7\u30ed\u30bb\u30b9\u3092\u6539\u5584\u3057\u3001\u8fc5\u901f\u5316\u3057\u3001\u305d\u3057\u3066\u80fd\u7387\u5316\u3057\u3066\u3044\u304f\u6280\u8853\u3067\u3059\u3002\u304a\u305d\u3089\u304f\u3053\u308c\u304c\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u5168\u4f53\u306e80%\u3092\u5360\u3081\u307e\u3059\u3002\u4e16\u754c\u4e2d\u306e\u4fdd\u967a\u696d\u8005\u304c\u3001\u30b7\u30ea\u30b3\u30f3\u30c1\u30c3\u30d7\u306e\u767a\u660e\u4ee5\u964d\u3001\u5f90\u3005\u306b\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u6d3b\u7528\u3059\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u591a\u304f\u306e\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306f\u3001\u66f8\u985e\u3068\u7ba1\u7406\u696d\u52d9\u306b\u3088\u3063\u3066\u7bc9\u304d\u4e0a\u3052\u3089\u308c\u305f\u696d\u754c\u3067\u3001\u4fdd\u967a\u696d\u8005\u3084\u30d6\u30ed\u30fc\u30ab\u30fc\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u65e5\u5e38\u7684\u306a\u554f\u984c\u89e3\u6c7a\u3092\u65e2\u5b58\u306e\u30b7\u30b9\u30c6\u30e0\u3088\u308a\u4f4e\u30b3\u30b9\u30c8\u3067\u5b9f\u73fe\u3059\u3079\u304f\u53d6\u308a\u7d44\u3093\u3067\u3044\u307e\u3059\u3002<\/p>\n<p>\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\u4f1a\u793e\u306eAccenture \uff08\u30a2\u30af\u30bb\u30f3\u30c1\u30e5\u30a2\uff09\u306f\u30012019\u5e74\u306e\u30ec\u30dd\u30fc\u30c8<em>\u300c<\/em><em>The Rise of Insurtech\uff08\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u53f0\u982d\uff09\u300d<\/em><a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>\u306e\u4e2d\u3067\u3001\u3053\u306e\u5206\u91ce\u306e\u7406\u89e3\u3092\u6df1\u3081\u308b\u305f\u3081\u306b\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u4f01\u696d450\u793e\u306b\u5bfe\u3057\u3066\u8abf\u67fb\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u3053\u3067\u660e\u3089\u304b\u306b\u306a\u3063\u305f1\u3064\u306e\u91cd\u8981\u306a\u70b9\u306f\u3001\u591a\u304f\u306e\u4fdd\u967a\u696d\u8005\u304c\u3044\u307e\u3060\u306b\u65e7\u5f0f\u306eIT\u30b7\u30b9\u30c6\u30e0\u306b\u4f9d\u5b58\u3057\u3001\u30c7\u30fc\u30bf\u306f\u57fa\u672c\u7684\u306b\u300c\u58c1\u306b\u56f2\u307e\u308c\u305f\u300d\u683c\u7d0d\u5eab\u306b\u5b89\u5168\u306b\u4fdd\u7ba1\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u4fdd\u967a\u696d\u306e\u3042\u3089\u3086\u308b\u7ba1\u7406\u7684\u5074\u9762\u3092\u6539\u5584\u3059\u308b\u3082\u3063\u3068\u3082\u5927\u304d\u306a\u4e00\u6b69\u306f\u3001\u3053\u306e\u9694\u96e2\u3055\u308c\u305f\u6642\u4ee3\u9045\u308c\u306e\u30b7\u30b9\u30c6\u30e0\u306b\u5225\u308c\u3092\u544a\u3052\u3001\u300c\u30c7\u30fc\u30bf\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u300d\u3092\u63a1\u7528\u3059\u308b\u3053\u3068\u3060\u3068\u8a00\u3063\u3066\u3082\u904e\u8a00\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>Accenture\u306e\u30ec\u30dd\u30fc\u30c8\u3067\u306f\u3053\u3046\u3082\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\u300c\u5f93\u6765\u306e\u4f01\u696d\u304a\u3088\u3073IT\u30ac\u30d0\u30ca\u30f3\u30b9\u306e\u69cb\u9020\u306b\u56f2\u308f\u308c\u305f\u5206\u6563\u7684\u3067\u53e4\u3044\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u3001\u6253\u7834\u3059\u308b\u3053\u3068\u304c\u5bb9\u6613\u3067\u306f\u306a\u3044\u969c\u58c1\u304b\u3082\u3057\u308c\u306a\u3044\u3002\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u3092\u30d9\u30fc\u30b9\u3068\u3059\u308b\u5546\u54c1\u3092\u751f\u307f\u51fa\u3059\u305f\u3081\u306b\u3001\u4ed6\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u4f01\u696d\u3068\u306e\u5354\u50cd\u3092\u691c\u8a0e\u3059\u308b\u3079\u304d\u3067\u3042\u308b\u300d<\/p>\n<p>\u5358\u306b\u30c7\u30fc\u30bf\u8a18\u9332\u9593\u306e\u30d0\u30fc\u30c1\u30e3\u30eb\u306a\u58c1\u3092\u53d6\u308a\u6255\u3046\u3060\u3051\u3067\u3001\u4fdd\u967a\u696d\u8005\u3068\u30d6\u30ed\u30fc\u30ab\u30fc\u306f\u3001\u6cd5\u5b9a\u8cbb\u7528\u3084\u8eca\u4e21\u56de\u53ce\u3092\u884c\u3046\u7b2c\u4e09\u8005\u4f01\u696d\u3068\u305a\u3063\u3068\u8fc5\u901f\u306b\u9023\u643a\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u81ea\u793e\u306e\u793e\u5185\u7ba1\u7406\u30d7\u30ed\u30bb\u30b9\u3082\u6539\u5584\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u3055\u307e\u3056\u307e\u306a\u7a2e\u985e\u306e\u7ba1\u7406\u6a5f\u80fd\u3092\u4fdd\u967a\u696d\u754c\u306b\u6301\u3061\u8fbc\u3082\u3046\u3068\u3057\u3066\u3044\u308b\u4f01\u696d\u306f\u6570\u591a\u304f\u5b58\u5728\u3057\u307e\u3059\u3002\u4f8b\u3048\u3070\u3001Amazon Web Services\uff08AWS\uff09\u3084Oracle\uff08\u30aa\u30e9\u30af\u30eb\uff09\u3001DXC Technology\uff08DXC\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\uff09\u3001Accenture\uff08\u30a2\u30af\u30bb\u30f3\u30c1\u30e5\u30a2\uff09\u3001CapGemini\uff08\u30ad\u30e3\u30c3\u30d7\u30b8\u30a7\u30df\u30cb\uff09\u306a\u3069\u306e\u5927\u624b\u4f01\u696d\u304c\u305d\u306e\u4ee3\u8868\u3067\u3059\u3002<\/p>\n<p>\u305d\u3057\u3066\u3001\u305d\u308c\u3089\u306e\u5927\u624b\u4f01\u696d\u306f\u3001Pegasystems\uff08\u30da\u30ac\u30b7\u30b9\u30c6\u30e0\u30ba\uff09\u3001Duck Creek\uff08\u30c0\u30c3\u30af\u30af\u30ea\u30fc\u30af\uff09\u3001Guidewire Software\uff08\u30ac\u30a4\u30c9\u30ef\u30a4\u30a2\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\uff09\u3001OutSystems\uff08\u30a2\u30a6\u30c8\u30b7\u30b9\u30c6\u30e0\u30ba\uff09\u3068\u3044\u3063\u305f\u4e2d\u898f\u6a21\u306eSaaS\uff08\u30b5\u30fc\u30d3\u30b9\u3068\u3057\u3066\u306e\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\uff09\u5c02\u9580\u4f01\u696d\u3068\u63d0\u643a\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u3046\u3057\u3066\u3001\u4fdd\u967a\u696d\u8005\u3084\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306b\u3082\u30a2\u30af\u30bb\u30b9\u53ef\u80fd\u306a\u3001\u30ce\u30a6\u30cf\u30a6\u3068\u30ea\u30bd\u30fc\u30b9\u306e\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u304c\u751f\u307f\u51fa\u3055\u308c\u307e\u3059\u3002\u65e7\u6765\u306e\u30b7\u30b9\u30c6\u30e0\u3092\u3088\u308a\u67d4\u8edf\u3067\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3055\u308c\u305f\u3082\u306e\u306b\u3001\u305d\u3057\u3066\u771f\u306e\u610f\u5473\u3067\u9867\u5ba2\u4e3b\u5c0e\u578b\u306e\u3082\u306e\u306b\u5909\u63db\u3055\u305b\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u305d\u3046\u306a\u308c\u3070\u3001\u4fdd\u967a\u696d\u8005\u306e\u30c7\u30fc\u30bf\u306f\u5178\u578b\u7684\u306a\u65e7\u5f0f\u306e\u30b7\u30b9\u30c6\u30e0\u306e\u3088\u3046\u306b\u906e\u65ad\u3055\u308c\u305f\u72b6\u614b\u3067\u4fdd\u7ba1\u3055\u308c\u308b\u3053\u3068\u306a\u304f\u3001\u3059\u3079\u3066\u306e\u95a2\u9023\u30d1\u30fc\u30c8\u30ca\u30fc\u4f01\u696d\u304c\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u305d\u308c\u305e\u308c\u306e\u30c7\u30fc\u30bf\u30b9\u30c8\u30ea\u30fc\u30e0\u306b\u30a2\u30af\u30bb\u30b9\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u65e5\u672c\u3067\u767a\u751f\u3059\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u5730\u9707\u707d\u5bb3\u306e\u4fdd\u967a\u6570\u7406\u4e0a\u306e\u30ea\u30b9\u30af\u8a55\u4fa1\u8868\u3084\u3001EU\u570f\u306e\u30e1\u30eb\u30bb\u30c7\u30b9\u6240\u6709\u8005\u306e\u8acb\u6c42\u30c7\u30fc\u30bf\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u91cd\u8981\u306a\u306e\u306f\u3001\u3053\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u901a\u3058\u3066\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u3001\u30d6\u30ed\u30fc\u30ab\u30fc\u3001\u4fdd\u967a\u696d\u8005\u304c\u305d\u308c\u305e\u308c\u306e\u4f01\u696d\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306e\u4e2d\u3067\u3001\u305d\u308c\u305e\u308c\u306e\u8981\u7d20\u3092\u30ec\u30a4\u30e4\u30fc\u3068\u3057\u3066\u52a0\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u70b9\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u5927\u624b\u4fdd\u967a\u696d\u8005\u306b\u3068\u3063\u3066\u306f\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u30d1\u30fc\u30c8\u30ca\u30fc\u304c\u63d0\u4f9b\u3059\u308b\u30c7\u30fc\u30bf\u8cc7\u6e90\u3068\u30ce\u30a6\u30cf\u30a6\u3092\u6d3b\u7528\u3057\u3066\u65b0\u305f\u306a\u30a2\u30a4\u30c7\u30a2\u3092\u7372\u5f97\u3057\u3001\u305d\u308c\u3092\u8fc5\u901f\u306b\u898f\u6a21\u5316\u3059\u308b\u6a5f\u4f1a\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3082\u3046\u4e00\u3064\u306e\u91cd\u8981\u306a\u70b9\u306f\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306b\u3088\u308b\u5909\u9769\u306e\u304a\u304b\u3052\u3067\u3001\u307b\u3093\u306e10\u5e74\u524d\u306b\u306f\u30d6\u30ed\u30fc\u30ab\u30fc\u3084\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3001\u4fdd\u967a\u696d\u8005\u304c\u62c5\u5f53\u3057\u3066\u3044\u305f\u591a\u304f\u306e\u7ba1\u7406\u696d\u52d9\u3092\u3001\u4eca\u3067\u306f\u9867\u5ba2\u81ea\u8eab\u304c\u884c\u3046\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u3002\u4f4f\u6240\u5909\u66f4\u3084\u914d\u5076\u8005\u306e\u6709\u7121\u3001\u8ee2\u8077\u306a\u3069\u306e\u4e2d\u9014\u5909\u66f4\uff08MTA\uff09\u306f\u3059\u3079\u3066\u3001\u4fdd\u967a\u52a0\u5165\u8005\u304c\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u306e\u30a2\u30d7\u30ea\u7d4c\u7531\u3067\u66f4\u65b0\u3057\u307e\u3059\u3002\u3053\u306e\u7406\u7531\u304b\u3089\u3001\u3059\u3079\u3066\u306e\u4fdd\u967a\u696d\u8005\u306b\u30de\u30eb\u30c1\u30c1\u30e3\u30cd\u30eb\u306e\u30c7\u30fc\u30bf\u7ba1\u7406\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304c\u5fc5\u9808\u306b\u306a\u308b\u306e\u3067\u3059\u3002\u6cd5\u4ee4\u3092\u9075\u5b88\u3057\u3001\u5b89\u5168\u6027\u304c\u78ba\u4fdd\u3055\u308c\u305f\u4e0a\u3067\u3001\u898b\u7a4d\u3082\u308a\u304b\u3089\u8acb\u6c42\u652f\u6255\u3044\u307e\u3067\u306a\u308b\u3079\u304f\u591a\u304f\u306e\u7ba1\u7406\u6a5f\u80fd\u3092\u81ea\u52d5\u5316\u3067\u304d\u308b\u30b7\u30b9\u30c6\u30e0\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>\u5b9f\u969b\u306b\u3001\u4fdd\u967a\u91d1\u306e\u8acb\u6c42\u624b\u7d9a\u304d\u306f\u3001\u7ba1\u7406\u30d7\u30ed\u30bb\u30b9\u3092\u8fc5\u901f\u5316\u3059\u308b\u305f\u3081\u306e\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u5546\u54c1\u958b\u767a\u306b\u3068\u3063\u3066\u6700\u5927\u306e\u53ef\u80fd\u6027\u3092\u79d8\u3081\u3066\u3044\u307e\u3059\u3002\u4fdd\u967a\u696d\u8005\u304c\u3001\u4f8b\u3048\u3070\u6bce\u6708500\u4ef6\u306e\u300c\u63a5\u89e6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decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-87927\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/ALJ-Insurance-Tech-Infographics-Data.jpg\" alt=\"\" width=\"2560\" height=\"1707\" \/><\/p>\n<h2>\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u7834\u58ca\u8005<\/h2>\n<p>\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u300c\u7834\u58ca\u300d\u306f\u8208\u5473\u6df1\u3044\u5f62\u3067\u8d77\u3053\u308a\u307e\u3059\u3002\u672a\u6765\u3078\u5411\u3051\u305f\u8a71\u3092\u3059\u308b\u3068\u304d\u3001\u4eba\u306f\u5f80\u3005\u306b\u3057\u3066\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3084\u30d9\u30f3\u30c1\u30e3\u30fc\u30ad\u30e3\u30d4\u30bf\u30eb\u306e\u5927\u578b\u6295\u8cc7\u3092\u8003\u3048\u307e\u3059\u3002\u305d\u306e\u7406\u7531\u306e\u4e00\u3064\u306f\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u7ba1\u7406\u696d\u52d9\u5411\u4e0a\u5206\u91ce\u304c\u3059\u3067\u306b\u4e16\u754c\u7684\u306a\u5927\u4f01\u696d\u3084\u30d5\u30a9\u30fc\u30c1\u30e5\u30f3500\u4f01\u696d\u306b\u72ec\u5360\u3055\u308c\u3066\u3044\u308b\u304b\u3089\u3067\u3059\u3002\u305d\u3046\u3057\u305f\u4f01\u696d\u306b\u306f\u4e8b\u696d\u8cc7\u91d1\u304c\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u4e16\u754c\u306e\u591a\u304f\u306e\u4fdd\u967a\u5e02\u5834\u3067\u7834\u58ca\u3078\u306e\u6a5f\u904b\u304c\u719f\u3057\u3066\u3044\u308b\u3053\u3068\u3082\u4e8b\u5b9f\u3067\u3042\u308a\u3001\u305d\u306e\u305f\u3081\u306b\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u65b0\u8208\u4f01\u696d\u3078\u306e\u6295\u8cc7\u3092\u691c\u8a0e\u3059\u308b\u6295\u8cc7\u5bb6\u304c\u62bc\u3057\u5bc4\u305b\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Willis Towers Watson\uff08\u30a6\u30a4\u30ea\u30b9\u30fb\u30bf\u30ef\u30fc\u30ba\u30ef\u30c8\u30bd\u30f3\uff09\u306e\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306b\u95a2\u3059\u308b\u56db\u534a\u671f\u5831\u544a<a href=\"#_ftn2\" name=\"_ftnref2\"><sup>[2]<\/sup><\/a>\u306b\u3088\u308b\u3068\u3001\u65b0\u578b\u30b3\u30ed\u30ca\u30a6\u30a4\u30eb\u30b9\u5371\u6a5f\u306f\u3001\u7dcf\u5408\u7684\u306b\u898b\u30662020\u5e74\u306e\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u3078\u306e\u6295\u8cc7\u52d5\u5411\u306b\u306f\u5f71\u97ff\u3092\u4e0e\u3048\u3066\u3044\u307e\u305b\u3093\u3002\u305d\u308c\u3069\u3053\u308d\u304b\u30012020\u5e74\u306f\u8a18\u9332\u7684\u306a\u5e74\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u300c\u4e16\u754c\u306e\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u6295\u8cc7\u306f\u3001\u3053\u306e\u6fc0\u52d5\u306e\u4e00\u5e74\u306b\u3082\u6210\u9577\u3092\u7d99\u7d9a\u30022020\u5e74\u306b\u306f\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u5e74\u9593\u8cc7\u91d1\u8abf\u9054\u7dcf\u984d\u306f\u3001\u53f2\u4e0a\u6700\u9ad8\u306e71\u5104\u7c73\u30c9\u30eb\u3001377\u4ef6\u306b\u5230\u9054\u3057\u305f\u300d<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-87934\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/ALJ-Insurance-Tech-Infographics-Growth.jpg\" alt=\"\" width=\"2560\" height=\"1991\" \/><\/p>\n<h2>\u65b0\u305f\u306a\u30bf\u30a4\u30d7\u306e\u81ea\u52d5\u8eca\u4fdd\u967a<\/h2>\n<p>KPMG\u304c2019\u5e74\u306e\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u30ec\u30dd\u30fc\u30c8<a href=\"#_ftn3\" name=\"_ftnref3\"><sup>[3]<\/sup><\/a>\u3067\u6307\u6458\u3057\u305f\u3088\u3046\u306b\u3001\u8eca\u306e\u6240\u6709\u304b\u3089\u30ea\u30fc\u30b9\u3078\u3001\u307e\u305f\u306f\u5358\u306b\u90fd\u5e02\u578b\u79fb\u52d5\u30b5\u30fc\u30d3\u30b9\u3078\u306e\u30b5\u30d6\u30b9\u30af\u30ea\u30d7\u30b7\u30e7\u30f3\u8cfc\u5165\u3078\u306e\u79fb\u884c\u306f\u3001\u81ea\u52d5\u8eca\u4fdd\u967a\u5e02\u5834\u3092\u63fa\u308b\u304c\u3059\u7834\u58ca\u7684\u306a\u529b\u306e1\u3064\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u79fb\u884c\u306f\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306b\u3088\u3063\u3066\u52a0\u901f\u3057\u307e\u3057\u305f\u3002\u7279\u306b\u6b27\u7c73\u7d4c\u6e08\u3067\u306f\u3001\u3044\u308f\u3086\u308b\u300c\u30c7\u30b8\u30bf\u30eb\u30ce\u30de\u30c9\u300d\u3068\u547c\u3070\u308c\u308b\u52b4\u50cd\u8005\u5c64\u304c\u3001\u5927\u90fd\u5e02\u3078\u306e\u901a\u52e4\u304b\u3089\u89e3\u653e\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u7c73\u56fd\u306eMetromile\uff08\u30e1\u30c8\u30ed\u30de\u30a4\u30eb\uff09\u3084\u82f1\u56fd\u306eBy Miles\uff08\u30d0\u30a4\u30de\u30a4\u30eb\u30ba\uff09\u3001\u307e\u305f\u30a4\u30f3\u30c9\u306ePolicyBazaar\uff08\u30dd\u30ea\u30b7\u30fc\u30d0\u30b6\u30fc\u30eb\uff09\u304c\u63d0\u4f9b\u3059\u308b\u8d70\u884c\u8ddd\u96e2\u5f93\u91cf\u5236\u5546\u54c1\u306f\u3001\u57fa\u672c\u7684\u306b\u306f\u3069\u308c\u3082\u540c\u3058\u3067\u3059\u3002\u8eca\u4e21\u306b\u5099\u3048\u4ed8\u3051\u306eDAS\u30b7\u30b9\u30c6\u30e0\u306b\u3088\u3063\u3066\u53ce\u96c6\u3055\u308c\u308b\u30c9\u30e9\u30a4\u30d0\u30fc\u306e\u884c\u52d5\u3084\u8d70\u884c\u30eb\u30fc\u30c8\u3001\u305d\u306e\u4ed6\u306e\u30c7\u30fc\u30bf\u306b\u3082\u3068\u3065\u3044\u3066\u7d99\u7d9a\u7684\u306a\u30ea\u30b9\u30af\u3092\u8a55\u4fa1\u3057\u307e\u3059\u3002<\/p>\n<figure id=\"attachment_52294\" aria-describedby=\"caption-attachment-52294\" style=\"width: 200px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-52294\" src=\"https:\/\/www.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg\" alt=\"Nil\u00fcfer G\u00fcnhan\" width=\"200\" height=\"300\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg 200w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-100x150.jpg 100w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-768x1153.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-682x1024.jpg 682w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278.jpg 1000w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-52294\" class=\"wp-caption-text\">\u30cb\u30eb\u30d5\u30a1\u30fc\u30fb\u30ae\u30e5\u30f3\u30cf\u30f3\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u62c5\u5f53\u6700\u9ad8\u8cac\u4efb\u8005\u3001<br \/>\nAbdul Latif Jameel Finance<\/figcaption><\/figure>\n<p>\u3053\u308c\u306f\u3001\u90f5\u4fbf\u756a\u53f7\u3084\u5730\u57df\u306e\u72af\u7f6a\u7387\u3001\u30c9\u30e9\u30a4\u30d0\u30fc\u306e\u4fdd\u967a\u91d1\u8acb\u6c42\u5c65\u6b74\u3001\u8077\u696d\u3001\u6027\u5225\u3001\u914d\u5076\u8005\u306e\u6709\u7121\u306a\u3069\u3092\u91cd\u306d\u5408\u308f\u305b\u3066\u3044\u304f\u5f93\u6765\u306e\u751f\u547d\u4fdd\u967a\u6570\u7406\u6cd5\u3068\u6bd4\u3079\u308b\u3068\u3001\u5f15\u53d7\u30ea\u30b9\u30af\u306e\u89b3\u70b9\u304b\u3089\u898b\u3066\u98db\u8e8d\u7684\u306a\u8ee2\u63db\u3067\u3059\u3002\u81ea\u52d5\u8eca\u8d70\u884c\u30c7\u30fc\u30bf\u306f\u3001\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u3084\u30c6\u30ec\u30de\u30c6\u30a3\u30af\u30b9\u88c5\u7f6e\u7d4c\u7531\u3067\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u3001\u3055\u3089\u306b\u4fdd\u967a\u696d\u8005\u306b\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u8ee2\u9001\u3055\u308c\u308b\u305f\u3081\u3001\u53ce\u96c6\u3055\u308c\u305f\u30c7\u30fc\u30bf\u3092\u3082\u3068\u306bAI\u304c\u5c06\u6765\u306e\u66f4\u65b0\u4fdd\u967a\u6599\u3092\u7b97\u51fa\u3067\u304d\u307e\u3059\u3002\u3082\u306f\u3084\u3001\u5358\u7d14\u306a\u7121\u4e8b\u6545\u5272\u5f15\u3084\u4fdd\u967a\u52a0\u5165\u8005\u306e\u4f4f\u6240\u3001\u8077\u696d\u60c5\u5831\u3092\u3082\u3068\u306b\u4fdd\u967a\u6599\u3092\u6c7a\u3081\u308b\u6642\u4ee3\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u771f\u306b\u7834\u58ca\u7684\u306a\u306e\u306f\u3001\u4fdd\u967a\u696d\u8005\u304c\u500b\u3005\u306e\u30c9\u30e9\u30a4\u30d0\u30fc\u306e\u30ea\u30b9\u30af\u7279\u6027\u306b\u3082\u3068\u3065\u3044\u3066\u3001\u4fdd\u967a\u5185\u5bb9\u3092\u7d30\u304b\u304f\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u3063\u305f\u3053\u3068\u3067\u3059\u3002\u305d\u306e\u4e0a\u3001\u30d7\u30ed\u30bb\u30b9\u304c\u5b8c\u5168\u306b\u81ea\u52d5\u5316\u3055\u308c\u305f\u305f\u3081\u3001\u6027\u5225\u3084\u4eba\u7a2e\u3001\u793e\u4f1a\u968e\u7d1a\u306b\u3088\u308b\u30d0\u30a4\u30a2\u30b9\u3092\u6279\u5224\u3055\u308c\u308b\u6050\u308c\u3082\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p><em>\u300c\u4fdd\u967a\u4f1a\u793e\u306e\u6570\u304c\u5897\u3048\u308b\u306b\u3064\u308c\u3001\u6700\u826f\u306e\u30c7\u30b8\u30bf\u30eb\u30a8\u30af\u30b9\u30da\u30ea\u30a8\u30f3\u30b9\u3001\u30c7\u30fc\u30bf\u5206\u6790\u3068\u4e88\u6e2c\u80fd\u529b\u3092\u6301\u3064\u4f01\u696d\u304c\u3082\u3063\u3068\u3082\u30cb\u30fc\u30ba\u306b\u9069\u5408\u3057\u3001\u8fc5\u901f\u304b\u3064\u76f4\u611f\u7684\u306a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u9867\u5ba2\u3092\u52dd\u3061\u53d6\u3063\u3066\u3044\u304f\u3067\u3057\u3087\u3046\u3002\u3053\u3046\u3057\u305f\u65b0\u3057\u3044\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306b\u3088\u3063\u3066\u3001\u7d71\u5408\u3055\u308c\u305f\u30a8\u30af\u30b9\u30da\u30ea\u30a8\u30f3\u30b9\u306e\u53ef\u80fd\u6027\u304c\u5e83\u304c\u308b\u3067\u3057\u3087\u3046\u300d<\/em>\u3068<a href=\"https:\/\/alj.com\/ja\/financial-services\/\">\u30cb\u30eb\u30d5\u30a1\u30fc\u30fb\u30ae\u30e5\u30f3\u30cf\u30f3<\/a>\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/p>\n<h2>\u5e02\u5834\u5909\u5316\u304c\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u3092\u5c0e\u304f<\/h2>\n<p>\u65b0\u578b\u30b3\u30ed\u30ca\u30a6\u30a4\u30eb\u30b9\u306b\u3088\u308b\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306f\u3001\u533b\u7642\u4fdd\u967a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3068\u65c5\u884c\u4fdd\u967a\u5546\u54c1\u3078\u306e\u6025\u6fc0\u306a\u95a2\u5fc3\u306e\u9ad8\u307e\u308a\u3092\u5f15\u304d\u8d77\u3053\u3057\u307e\u3057\u305f\u304c\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u6210\u9577\u3092\u4fc3\u3059\u6700\u5927\u306e\u793e\u4f1a\u7684\u8981\u56e0\u306e\u591a\u304f\u306f\u3001\u305d\u308c\u3088\u308a\u3082\u6df1\u3044\u3068\u3053\u308d\u306b\u3042\u308a\u307e\u3059\u3002\u9577\u671f\u7684\u306a\u4eba\u53e3\u52d5\u614b\u3084\u793e\u4f1a\u7684\u50be\u5411\u306b\u3088\u308a\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u304c\u5e02\u5834\u306e\u30ae\u30e3\u30c3\u30d7\u3092\u57cb\u3081\u3001\u65e2\u5b58\u306e\u4fdd\u967a\u4f1a\u793e\u304c\u63d0\u4f9b\u3059\u308b\u5f93\u6765\u578b\u30b5\u30fc\u30d3\u30b9\u306b\u6311\u6226\u3059\u308b\u6a5f\u4f1a\u304c\u751f\u307e\u308c\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\n<p>\u300cZ\u4e16\u4ee3\u300d\u3068\u547c\u3070\u308c\u308b1990\u5e74\u304b\u30892005\u5e74\u751f\u307e\u308c\u306e\u4e16\u4ee3\u306f\u3001\u4eca\u307e\u3055\u306b\u6210\u4eba\u3059\u308b\u6642\u671f\u3092\u8fce\u3048\u3001\u4e21\u89aa\u304b\u3089\u306e\u7d4c\u6e08\u7684\u81ea\u7acb\u3092\u6a21\u7d22\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u82e5\u5e74\u5c64\u6d88\u8cbb\u8005\u304c\u5fc5\u8981\u3068\u3057\u3066\u3044\u308b\u306e\u306f\u3001\u81ea\u52d5\u8eca\u3084\u81ea\u8ee2\u8eca\u3001\u65c5\u884c\u3001\u8cc3\u8cb8\u306b\u304b\u3051\u308b\u4fdd\u967a\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u3092\u60c5\u5831\u6e90\u3068\u3057\u3066\u6210\u9577\u3057\u305f\u5f7c\u3089\u306f\u3001\u3059\u3079\u3066\u306e\u3053\u3068\u304c\u643a\u5e2f\u96fb\u8a71\u3067\u884c\u3048\u308b\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u5178\u578b\u7684\u306a\u4fa1\u683c\u6bd4\u8f03\u30b5\u30a4\u30c8\u3067\u898b\u3089\u308c\u308b\u3088\u3046\u306aPC\u7528\u306e\u30a6\u30a7\u30d6\u30b5\u30a4\u30c8\u308418\u30da\u30fc\u30b8\u306b\u53ca\u3076\u898b\u7a4d\u30b7\u30b9\u30c6\u30e0\u3088\u308a\u3082\u3001\u30a2\u30d7\u30ea\u30d9\u30fc\u30b9\u306e\u3001\u4f7f\u3063\u305f\u5206\u3060\u3051\u652f\u6255\u3046\u30b5\u30d6\u30b9\u30af\u30ea\u30d7\u30b7\u30e7\u30f3\u30e2\u30c7\u30eb\u306e\u65b9\u304c\u3001Netflix\u4e16\u4ee3\u306e\u5f7c\u3089\u306b\u306f\u6b53\u8fce\u3055\u308c\u308b\u3060\u308d\u3046\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u305d\u306e\u4e00\u65b9\u3067\u3001\u5317\u7c73\u3001\u30e8\u30fc\u30ed\u30c3\u30d1\u3001\u6771\u30a2\u30b8\u30a2\u3067\u306f\u9ad8\u9f62\u5316\u304c\u9032\u3093\u3067\u304a\u308a\u3001\u65e2\u5f80\u75c7\u306e\u3042\u308b\u533b\u7642\u65c5\u884c\u4fdd\u967a\u3084\u3001\u5e45\u5e83\u3044\u533b\u7642\u798f\u7949\u95a2\u9023\u306e\u4fdd\u967a\u5546\u54c1\u3001\u307e\u305f\u30da\u30c3\u30c8\u7528\u4fdd\u967a\u306a\u3069\u304c\u5fc5\u8981\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>EU\u306e\u7d71\u8a08\u62c5\u5f53\u5c40\u306e\u5831\u544a\u3067\u306f\u30012010\u5e74\u304b\u30892020\u5e74\u306e\u9593\u306b\u72ec\u5c45\u4e16\u5e2f\u304c18%\u5897\u52a0\u3057\u3066\u3044\u307e\u3059\u3002<a 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Eats\uff08\u30a6\u30fc\u30d0\u30fc\u30a4\u30fc\u30c4\uff09\u3084Deliveroo\uff08\u30c7\u30ea\u30d0\u30eb\u30fc\uff09\u306e\u3001\u82f1\u8a9e\u304c\u6bcd\u8a9e\u3067\u306f\u306a\u3044\u5916\u56fd\u4eba\u914d\u9054\u54e1\u306b\u3001\u30b7\u30d5\u30c8\u5358\u4f4d\u3067\u306e\u4fdd\u967a\u5951\u7d04\u3092\u63d0\u4f9b\u3059\u308b\u969b\u306b\u91cd\u8981\u3067\u3059\u3002<\/p>\n<p>\u30e8\u30fc\u30ed\u30c3\u30d1\u306b\u306f\u3001EU\u3084\u5404\u56fd\u653f\u5e9c\u306b\u3088\u308b\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u5411\u3051\u306e\u8d77\u696d\u652f\u63f4\u3084\u52a9\u6210\u91d1\u304c\u6570\u591a\u304f\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u56e3\u4f53\u306f\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306b\u95a2\u3059\u308b\u91cd\u8981\u306a\u4eba\u8108\u3084\u30ce\u30a6\u30cf\u30a6\u3092\u63d0\u4f9b\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u8cc7\u91d1\u8abf\u9054\u306e\u62e1\u5927\u3078\u306e\u9053\u3082\u958b\u304d\u307e\u3059\u3002\u56e3\u4f53\u3078\u52a0\u5165\u3057\u305f\u308a\u653f\u5e9c\u652f\u63f4\u306e\u7af6\u5408\u30b3\u30f3\u30c6\u30b9\u30c8\u3078\u53c2\u52a0\u3059\u308b\u3053\u3068\u306e\u771f\u4fa1\u306f\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u304c\u305d\u306e\u8a2d\u7acb\u76f4\u5f8c\u306e\u6bb5\u968e\u304b\u3089\u3001\u6cd5\u4ee4\u3092\u9806\u5b88\u3057\u305f\u4f53\u7cfb\u7684\u306a\u52a9\u8a00\u3092\u5f97\u3089\u308c\u308b\u3053\u3068\u306b\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>EU\u3001\u30a4\u30b9\u30e9\u30a8\u30eb\u3001\u30a4\u30f3\u30c9\u3001\u305d\u306e\u4ed6\u306e\u591a\u304f\u306e\u5e02\u5834\u306b\u304a\u3044\u3066\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u304c\u5f97\u3089\u308c\u308b\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306e\u30e1\u30ea\u30c3\u30c8\u304c\u3082\u30461\u3064\u3042\u308a\u307e\u3059\u3002\u81ea\u5df1\u8cc7\u672c\u6bd4\u7387\u3001\u3064\u307e\u308a\u652f\u6255\u3044\u80fd\u529b\u306e\u554f\u984c\u3067\u3059\u3002\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u81ea\u7136\u707d\u5bb3\u4fdd\u967a\u91d1\u8acb\u6c42\u306b\u5099\u3048\u3001\u8cc7\u672c\u6d41\u52d5\u6027\u3068\u73fe\u91d1\u6e96\u5099\u306b\u95a2\u3059\u308b\u9ad8\u3044\u57fa\u6e96\u3092\u6e80\u305f\u3055\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u4e00\u65b9\u3067\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306b\u306f\u3001\u4e00\u822c\u7684\u306b\u306f\u3001\u540c\u30ec\u30d9\u30eb\u306e\u8cc7\u91d1\u8981\u4ef6\u306f\u9069\u7528\u3055\u308c\u307e\u305b\u3093\u3002\u305d\u306e\u305f\u3081\u3001\u65b0\u8208\u4f01\u696d\u306f\u3001\u898f\u6a21\u306e\u5927\u304d\u3044\u4fdd\u967a\u4f1a\u793e\u3068\u540c\u3058\u898f\u5236\u306e\u53b3\u3057\u3044\u5e02\u5834\u306b\u3044\u306a\u304c\u3089\u3001\u81ea\u793e\u306e\u8abf\u9054\u8cc7\u91d1\u3092\u6700\u5927\u9650\u306b\u6d3b\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<h2>\u9375\u3068\u306a\u308b\u306e\u306f\u300c\u6d41\u901a\u300d<\/h2>\n<p>\u7834\u58ca\u7684\u306a\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u304c\u65b0\u305f\u306a\u30a2\u30a4\u30c7\u30a2\u3068\u5546\u54c1\u3092\u751f\u307f\u51fa\u3057\u3066\u3044\u304f\u306e\u3092\u76ee\u306b\u3059\u308b\u306e\u306f\u611f\u52d5\u7684\u3067\u3059\u304c\u3001\u73fe\u72b6\u306b\u6311\u6226\u3059\u308b\u3053\u3068\u3060\u3051\u304c\u3059\u3079\u3066\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5927\u624b\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u81ea\u793e\u306e\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u30cf\u30d6\u3084\u30bb\u30f3\u30bf\u30fc\u306e\u78ba\u7acb\u3068\u3001\u65b0\u8208\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u3078\u306e\u591a\u984d\u306e\u6295\u8cc7\u3068\u3044\u30462\u672c\u7acb\u3066\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u53d6\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u5f7c\u3089\u306f\u57fa\u672c\u7684\u306b\u30ce\u30a6\u30cf\u30a6\u3092\u8cb7\u3046\u306e\u3067\u3059\u3002\u305d\u308c\u3092\u3082\u3063\u3066\u4f55\u3092\u3059\u308b\u304b\u306f\u3001\u5f7c\u3089\u306e\u4e16\u754c\u7684\u306a\u8ca9\u58f2\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3068\u6226\u7565\u306b\u3088\u3063\u3066\u5909\u308f\u3063\u3066\u304d\u307e\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u3001\u4fdd\u967a\u6700\u5927\u624b\u306eZurich\uff08\u30c1\u30e5\u30fc\u30ea\u30c3\u30d2\uff09\u306f2018\u5e74\u3001\u300c\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u30d5\u30a1\u30f3\u30c9\u30ea\u30fc\u300d\u3092\u958b\u8a2d\u3057\u3001\u300c\u30a2\u30a4\u30c7\u30a2\u30bb\u30f3\u30bf\u30fc\u300d\u3084\u300c\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u8cde\u5236\u5ea6\u300d\u3092\u8a2d\u3051\u307e\u3057\u305f\u30022\u5e74\u9593\u3067700\u3092\u8d85\u3048\u308b\u5546\u54c1\u30b3\u30f3\u30bb\u30d7\u30c8\u304c\u63d0\u51fa\u3055\u308c<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a>\u3001\u5f53\u7136\u306a\u304c\u3089\u3001\u305d\u308c\u307b\u3069\u5927\u91cf\u306e\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u691c\u8a0e\u3059\u308b\u306e\u306f\u3001\u4fdd\u967a\u306e\u5927\u4f01\u696d\u3067\u3042\u3063\u3066\u3082\u4e0d\u53ef\u80fd\u3067\u3042\u308b\u3053\u3068\u304c\u5206\u304b\u308a\u307e\u3057\u305f\u3002<\/p>\n<p>\u3053\u3053\u6570\u5e74\u306e\u4e16\u754c\u7684\u50be\u5411\u3068\u8a00\u3048\u308b\u3082\u306e\u304c\u3001\u300c\u30b3\u30f3\u30bb\u30d7\u30c8\u306e\u5b9f\u8a3c\u300d\u304c\u30a2\u30a4\u30c7\u30a2\u3092\u767a\u5c55\u3055\u305b\u308b\u969b\u306e\u30d9\u30f3\u30c1\u30de\u30fc\u30af\u3068\u306a\u308a\u3046\u308b\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u3068\u5927\u624b\u4f01\u696d\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3067\u3059\u3002\u8a00\u3044\u63db\u3048\u308b\u3068\u3001\u300c\u826f\u3055\u305d\u3046\u3067\u306f\u3042\u308b\u304c\u3001\u5b9f\u969b\u306b\u4eba\u3005\u306f\u305d\u306e\u5546\u54c1\u3092\u8cb7\u3046\u3060\u308d\u3046\u304b\uff1f\u300d\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>AXA\uff08\u30a2\u30af\u30b5\uff09\u306f\u3001\u30a2\u30e9\u30d6\u9996\u9577\u56fd\u9023\u90a6\u306b\u62e0\u70b9\u3092\u7f6e\u304fDemocrance\uff08\u30c7\u30e2\u30af\u30e9\u30f3\u30b9\uff09\u30682020\u5e745\u6708\u306b\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u7d44\u307f<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a>\u3001\u30c7\u30b8\u30bf\u30eb\u4fdd\u967a\u5546\u54c1\u3092\u307e\u305a\u30bf\u30a4\u3067\u30c6\u30b9\u30c8\u3057\u305f\u5f8c\u3001\u4ed6\u306e\u767a\u5c55\u9014\u4e0a\u5e02\u5834\u3078\u3068\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u3002\u30dd\u30fc\u30e9\u30f3\u30c9\u3067\u306f\u6700\u8fd1\u3001\u56fd\u5185\u6700\u5927\u624b\u306e\u4fdd\u967a\u4f1a\u793e\u3067\u3042\u308bPZU\u304cTractable AI\uff08\u30c8\u30e9\u30af\u30bf\u30d6\u30ebAI\uff09<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a>\u3068\u63d0\u643a\u3057\u3066\u81ea\u52d5\u8eca\u4fdd\u967a\u306e\u8acb\u6c42\u30d7\u30ed\u30bb\u30b9\u3092\u52b9\u7387\u5316\u3057\u3001\u3053\u306e\u8eca\u4f53\u4fee\u7406\u8cbb\u8acb\u6c42\u306e\u81ea\u52d5\u5316\u6280\u8853\u3092\u4ed6\u306e\u5e02\u5834\u3078\u3068\u9069\u7528\u3057\u3066\u3044\u307e\u3059\u3002\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u5546\u54c1\u306e\u7d99\u7d9a\u7684\u306a\u30d9\u30f3\u30c1\u30de\u30fc\u30af\u30c6\u30b9\u30c8\u306f\u30d7\u30ed\u30bb\u30b9\u306e\u4e00\u74b0\u3067\u3042\u308a\u3001\u53ce\u96c6\u3055\u308c\u308b\u8acb\u6c42\u30c7\u30fc\u30bf\u304c\u6642\u9593\u3068\u3068\u3082\u306b\u5897\u3048\u3066\u3044\u304f\u4e2d\u3067\u3001\u4fdd\u967a\u696d\u8005\u306f\u89e3\u6c7a\u3059\u3079\u304d\u65b0\u305f\u306a\u554f\u984c\u3092\u7279\u5b9a\u3057\u3066\u3044\u304f\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u3082\u30461\u3064\u306e\u91cd\u8981\u306a\u8981\u56e0\u306f\u3001\u5546\u54c1\u304c\u6d41\u901a\u7d4c\u8def\u3092\u7d4c\u3066\u5e02\u5834\u306b\u51fa\u308b\u307e\u3067\u306e\u904e\u7a0b\u3067\u3059\u3002\u8003\u616e\u3059\u3079\u304d\u5e02\u5834\u306e\u5909\u52d5\u306f\u7121\u6570\u306b\u3042\u308a\u307e\u3059\u3002\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u89b3\u70b9\u304b\u3089\u8a00\u3046\u3068\u3001\u5927\u624b\u4fdd\u967a\u4f1a\u793e\u306e\u4e0b\u3067\u65b0\u3057\u3044\u30a2\u30a4\u30c7\u30a2\u3092\u767a\u5c55\u3055\u305b\u3001\u305d\u306e\u8ca9\u58f2\u30c1\u30e3\u30cd\u30eb\u3092\u5229\u7528\u3057\u305f\u65b9\u304c\u826f\u3044\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\u4e00\u4f8b\u3068\u3057\u3066\u3001\u65b0\u8208\u4f01\u696d\u306b\u8cc7\u91d1\u30686\u304b\u6708\u306e\u7814\u7a76\u958b\u767a\u671f\u9593\u3092\u63d0\u4f9b\u3059\u308b\u3001Mapfre\uff08\u30de\u30d5\u30ec\uff09\u306e\u30a4\u30f3\u30b7\u30e5\u30a2\u30fb\u30b9\u30da\u30fc\u30b9\u30d7\u30ed\u30b0\u30e9\u30e0\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002\u540c\u69d8\u306b\u3001\u30ed\u30f3\u30c9\u30f3\u306eLloyd&#8217;s Lab\u3084\u7c73\u56fd\u306eMetLife\uff08\u30e1\u30c3\u30c8\u30e9\u30a4\u30d5\uff09\u306f\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u30b9\u30ad\u30fc\u30e0\u3092\u7acb\u3061\u4e0a\u3052<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a>\u3001EMEA\u304a\u3088\u3073\u5317\u7c73\u306b\u62e0\u70b9\u3092\u7f6e\u304f\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u5411\u3051\u306b10\u4e07\u7c73\u30c9\u30eb\u306e\u8cc7\u91d1\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<h2>\u672a\u6765\u306b\u304b\u3051\u308b\u4fdd\u967a<\/h2>\n<p>\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u304c\u65b0\u305f\u306a\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3084\u30b5\u30fc\u30d3\u30b9\u306e\u9032\u5316\u3068\u5909\u9769\u3092\u7d9a\u3051\u308b\u4e2d\u3001\u5e02\u5834\u306e\u7279\u5b9a\u5206\u91ce\u306b\u306f\u307e\u305f\u3068\u306a\u3044\u597d\u6a5f\u304c\u5230\u6765\u3059\u308b\u3068\u671f\u5f85\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u4f8b\u3048\u3070\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u5f8c\u306e\u4e16\u754c\u3067\u306f\u3001\u533b\u7642\u4fdd\u967a\u696d\u754c\u306b\u306f\u5927\u304d\u306a\u30c1\u30e3\u30f3\u30b9\u304c\u3042\u308b\u3068\u8003\u3048\u3089\u308c\u307e\u3059\u3002\u5f93\u6765\u306e\u751f\u547d\u4fdd\u967a\u5951\u7d04\u306e\u307f\u306a\u3089\u305a\u3001\u30d3\u30c3\u30b0\u30c7\u30fc\u30bf\u3084AI\u3001\u30a6\u30a7\u30a2\u30e9\u30d6\u30eb\u6280\u8853\u306a\u3069\u3092\u99c6\u4f7f\u3057\u3066\u3001\u53ce\u5165\u6e90\u3092\u5931\u304f\u3057\u305f\u308a\u7279\u5b9a\u306e\u5730\u57df\u3067\u30ed\u30c3\u30af\u30c0\u30a6\u30f3\u4e0b\u306b\u3044\u308b\u72b6\u6cc1\u3084\u3001\u3055\u3089\u306b\u306f\u30b3\u30ed\u30ca\u30a6\u30a4\u30eb\u30b9\u4ee5\u5916\u306e\u75be\u60a3\u306e\u8fc5\u901f\u306a\u691c\u67fb\u3084\u8a3a\u65ad\u306b\u3064\u3044\u3066\u3001\u4fdd\u967a\u52a0\u5165\u8005\u306b\u88dc\u511f\u3059\u308b\u65b0\u5546\u54c1\u304c\u8003\u3048\u3089\u308c\u307e\u3059\u3002\u591a\u304f\u306e\u56fd\u6c11\u5065\u5eb7\u4fdd\u967a\u30b5\u30fc\u30d3\u30b9\u3067\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u671f\u9593\u306b\u901a\u5e38\u306e\u8a3a\u5bdf\u3084\u5065\u5eb7\u8a3a\u65ad\u306e\u5b9f\u65bd\u3092\u7d9a\u3051\u308b\u3053\u3068\u304c\u56f0\u96e3\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u3053\u306e\u72b6\u6cc1\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u533b\u7642\u3084\u533b\u7642\u4fdd\u967a\u696d\u8005\u3001\u305d\u3057\u3066\u65b0\u8208\u4f01\u696d\u306b\u3068\u3063\u3066\u306f\u5927\u304d\u306a\u30c1\u30e3\u30f3\u30b9\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u5317\u7c73\u3084\u30e8\u30fc\u30ed\u30c3\u30d1\u306e\u5728\u5b85\u52e4\u52d9\u3078\u306e\u6d41\u308c\u3082\u307e\u305f\u3001\u30a2\u30d7\u30ea\u3092\u4f7f\u3063\u305f\u81ea\u52d5\u5f93\u91cf\u8ab2\u91d1\u65b9\u5f0f\uff08PAYG\uff09\u306e\u4fdd\u967a\u5546\u54c1\u306e\u666e\u53ca\u3092\u5f8c\u62bc\u3057\u3059\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u305d\u306e\u5834\u5408\u3001\u305d\u306e\u591a\u304f\u306f\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u30c7\u30fc\u30bf\u53ce\u96c6\u88c5\u7f6e\u3068\u3057\u3066\u306e\u6a5f\u80fd\u3082\u517c\u306d\u308b\u3088\u3046\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u30c6\u30ec\u30de\u30c6\u30a3\u30af\u30b9\u6a5f\u5668\u306f\u6539\u826f\u3055\u308c\u3066\u3044\u308b\u3082\u306e\u306e\u3001\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u304c\u8d70\u884c\u5f93\u91cf\u5236\u306e\u4fdd\u967a\u5546\u54c1\u306b\u5fc5\u8981\u306a\u30c7\u30fc\u30bf\u3092\u63d0\u4f9b\u3067\u304d\u308b\u306a\u3089\u3001\u6d88\u8cbb\u8005\u306f\u305d\u3046\u3057\u305f\u6a5f\u5668\u3092\u8cfc\u5165\u3057\u305f\u304c\u3089\u306a\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>Deloitte\uff08\u30c7\u30ed\u30a4\u30c8\uff09\u306e\u8abf\u67fb<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a>\u306b\u3088\u308b\u3068\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306f\u5546\u696d\u4e0d\u52d5\u7523\u5e02\u5834\u306e\u5927\u5909\u52d5\u3092\u4fc3\u3057\u307e\u3057\u305f\u3002\u591a\u304f\u306e\u4f01\u696d\u304c\u5546\u696d\u30aa\u30d5\u30a3\u30b9\u30b9\u30da\u30fc\u30b9\u306e\u8cc3\u8cb8\u3092\u89e3\u7d04\u3057\u305f\u308a\u3001\u4e8b\u696d\u898f\u6a21\u306e\u5927\u5e45\u306a\u7e2e\u5c0f\u3092\u5b9f\u65bd\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u90fd\u5e02\u570f\u3078\u306e\u65b0\u305f\u306a\u6a5f\u4f1a\u306e\u5275\u51fa\u3068\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u30aa\u30d5\u30a3\u30b9\u3060\u3063\u305f\u7a7a\u9593\u306f\u5f90\u3005\u306b\u4f4f\u5b85\u3084\u30ec\u30b8\u30e3\u30fc\u306e\u305f\u3081\u306e\u5834\u6240\u306b\u751f\u307e\u308c\u5909\u308f\u308b\u304b\u3001\u5730\u65b9\u81ea\u6cbb\u4f53\u304c\u4f55\u3089\u304b\u306e\u76ee\u7684\u3067\u78ba\u4fdd\u3059\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u6d41\u308c\u304c\u6c17\u5019\u5909\u52d5\u3084\u6301\u7d9a\u53ef\u80fd\u6027\u3078\u306e\u53d6\u308a\u7d44\u307f\u306b\u3088\u3063\u3066\u5f37\u5316\u3055\u308c\u308c\u3070\u3001\u30a8\u30b3\u30d1\u30fc\u30af\u3084\u96fb\u52d5\u30b9\u30af\u30fc\u30bf\u30fc\u306e\u30e9\u30a4\u30c9\u30b7\u30a7\u30a2\u5236\u5ea6\u3001\u4f4e\u70ad\u7d20\u306e\u90fd\u5e02\u914d\u9054\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u3084\u305d\u306e\u4ed6\u591a\u304f\u306e\u95a2\u9023\u4fdd\u967a\u5546\u54c1\u3078\u306e\u9700\u8981\u3092\u559a\u8d77\u3059\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>Abdul Latif Jameel\u306f\u3001<u><a href=\"https:\/\/www.alj.com\/en\/financial-services\/\">Abdul Latif Jameel Finance\uff08\u30a2\u30d6\u30c9\u30a5\u30eb\u30fb\u30e9\u30c6\u30a3\u30d5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\uff09<\/a><\/u>\u3092\u901a\u3058\u3001\u3059\u3067\u306b\u3053\u306e\u6d3b\u6cc1\u5e02\u5834\u3067\u5805\u5b9f\u306a\u5b9f\u7e3e\u3092\u7bc9\u304d\u3001<a href=\"https:\/\/aljinsurance.com\/\">\u9867\u5ba2\u4e2d\u5fc3<\/a>\u306e<a href=\"https:\/\/www.alj.com\/en\/perspective\/embracing-digital-disruption-in-financial-services\/\">\u4fdd\u967a<\/a>\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3068\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u305f\u3081\u306e\u65b0\u305f\u306a\u65b9\u6cd5\u3092\u6a21\u7d22\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>40\u5e74\u4ee5\u4e0a\u524d\u3001\u79c1\u305f\u3061\u306f\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u3067\u3001\u4ed6\u3067\u306f\u878d\u8cc7\u3092\u53d7\u3051\u3089\u308c\u306a\u304b\u3063\u305f\u4eba\u3005\u304c\u81ea\u52d5\u8eca\u3092\u8cfc\u5165\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u305f\u3081\u306e\u81ea\u52d5\u8eca\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u30d1\u30a4\u30aa\u30cb\u30a2\u3068\u3057\u3066\u5275\u696d\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u305d\u308c\u4ee5\u6765\u3001\u4e2d\u6771\u5730\u57df\u306b\u304a\u3051\u308b\u6700\u5927\u898f\u6a21\u306e\u30aa\u30fc\u30c8\u30ea\u30fc\u30b9\u304a\u3088\u3073\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u4e8b\u696d\u8005\u3068\u3057\u3066\u6210\u9577\u3092\u7d9a\u3051\u3066\u304d\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u878d\u8cc7\u4e8b\u696d\u3092\u62e1\u5927\u3057\u3001\u81ea\u52d5\u8eca\u3060\u3051\u3067\u306a\u304f\u3001\u6d88\u8cbb\u8005\u5411\u3051\u88fd\u54c1\u3001\u7523\u696d\u6a5f\u68b0\u3001\u4e0d\u52d5\u7523\u3001\u3055\u3089\u306b\u81ea\u52d5\u8eca\u4fdd\u967a\u5546\u54c1\u3078\u306e\u878d\u8cc7\u3082\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u79c1\u305f\u3061\u306f\u3001\u5e45\u5e83\u3044\u4fdd\u967a\u30a2\u30c9\u30d0\u30a4\u30b9\u3084\u5546\u54c1\u3092\u5c55\u958b\u3057\u3066\u304a\u308a\u3001\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u3068\u30c8\u30eb\u30b3\u3067\u306e\u65e2\u5b58\u696d\u52d9\u3092\u88dc\u5b8c\u3059\u308b\u305f\u3081\u3001\u30a8\u30b8\u30d7\u30c8\u3092\u542b\u3080\u3055\u3089\u306a\u308b\u4fdd\u967a\u4ef2\u4ecb\u696d\u52d9\u3092\u8a2d\u7acb\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002<\/p>\n<p>2020\u5e74\u3001\u79c1\u305f\u3061\u306f\u30ed\u30f3\u30c9\u30f3\u3067\u3001Lloyds\uff08\u30ed\u30a4\u30ba\uff09\u3068\u63d0\u643a\u3059\u308b<u><a href=\"https:\/\/jenoa.com\">JENOA<\/a><\/u>\uff08\u30b8\u30a7\u30ce\u30a2\uff09\u3068\u3044\u3046\u518d\u4fdd\u967a\u30d6\u30ed\u30fc\u30ab\u30fc\u3092\u7acb\u3061\u4e0a\u3052\u307e\u3057\u305f\u3002\u3053\u308c\u306b\u3088\u308a\u3001MENAT\u5730\u57df\u3068Lloyds of London\uff08\u30ed\u30a4\u30ba\u30fb\u30aa\u30d6\u30fb\u30ed\u30f3\u30c9\u30f3\uff09\u306e\u518d\u4fdd\u967a\u30d3\u30b8\u30cd\u30b9\u3068\u3092\u7d50\u3073\u3064\u3051\u3001\u9ad8\u307e\u308b\u9867\u5ba2\u306e\u30cb\u30fc\u30ba\u3092\u6e80\u305f\u3059\u4fdd\u967a\u5546\u54c1\u306e\u958b\u767a\u3001\u63d0\u4f9b\u3092\u76ee\u6307\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>JENOA\u306f\u3001\u518d\u4fdd\u967a\u5e02\u5834\u306b\u304a\u3051\u308b\u6b74\u53f2\u3068\u4f1d\u7d71\u3001\u9769\u65b0\u6027\u3084\u672a\u6765\u601d\u8003\u306e\u80fd\u529b\u3001\u305d\u3057\u3066\u6700\u65b0\u306e\u6280\u8853\u7684\u9032\u6b69\u3092\u517c\u306d\u5099\u3048\u3066\u3044\u307e\u3059\u3002\u30a8\u30f3\u30c9\u30c4\u30fc\u30a8\u30f3\u30c9\u306e\u30c7\u30b8\u30bf\u30eb\u30d6\u30ed\u30fc\u30ab\u30fc\u3068\u306a\u308b\u3053\u3068\u3092\u76ee\u6307\u3057\u3001\u9867\u5ba2\u306e\u500b\u5225\u306e\u30cb\u30fc\u30ba\u306b\u5bfe\u5fdc\u3059\u308b\u5305\u62ec\u7684\u306a\u518d\u4fdd\u967a\u4ef2\u4ecb\u6a5f\u80fd\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002<\/p>\n<p><iframe loading=\"lazy\" src=\"\/\/www.youtube.com\/embed\/YRggn1Gz51o\" width=\"560\" height=\"314\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>JENOA\u306f\u3001Lloyds\u306e\u30d6\u30ed\u30fc\u30ab\u30fc\u3067\u3042\u308bHW Wood Ltd\u306e\u6307\u5b9a\u4ee3\u7406\u5e97\u3068\u3057\u3066\u3001\u4e16\u754c\u6700\u5927\u306e\u518d\u4fdd\u967a\u5e02\u5834\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u6709\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f<a href=\"https:\/\/alj.com\/\">Abdul Latif Jameel<\/a> Finance\u306b\u652f\u3048\u3089\u308c\u3001\u72ec\u81ea\u306e\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3001\u4f1d\u7d71\u7684\u306a\u30ed\u30f3\u30c9\u30f3\u5e02\u5834\u3067\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u63d0\u4f9b\u3001\u9769\u65b0\u7684\u306a\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u958b\u767a\u3001\u307e\u305f\u30b7\u30e3\u30ea\u30fc\u30a2\u6e96\u62e0\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u63d0\u4f9b\u304c\u53ef\u80fd\u3068\u306a\u308a\u3001\u4e2d\u6771\u3001\u5317\u30a2\u30d5\u30ea\u30ab\u3092\u306f\u3058\u3081\u3068\u3059\u308b\u4e16\u754c\u5404\u5730\u306e\u6709\u671b\u5e02\u5834\u3078\u3068\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<figure id=\"attachment_87955\" aria-describedby=\"caption-attachment-87955\" style=\"width: 300px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-87955\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-300x189.jpeg\" alt=\"Mahboob Khan, JENOA\" width=\"300\" height=\"189\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-300x189.jpeg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-1024x646.jpeg 1024w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-150x95.jpeg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-768x484.jpeg 768w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA.jpeg 1280w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-87955\" class=\"wp-caption-text\">\u30de\u30cf\u30d6\u30fc\u30d6\u30fb\u30ab\u30fc\u30f3<br \/>\nJENOA\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<br \/>\nAbdul Latif Jameel\u3001\u4fdd\u967a\u30fb\u30ea\u30b9\u30af\u8efd\u6e1b\u62c5\u5f53\u30de\u30cd\u30fc\u30b8\u30f3\u30b0\u30fb\u30c7\u30a3\u30ec\u30af\u30bf\u30fc<\/figcaption><\/figure>\n<p><em>\u300c<\/em><em>JENOA\u306f\u3001\u3053\u308c\u307e\u3067\u306b\u306a\u3044\u3001\u65b0\u3057\u3044\u4fa1\u5024\u3092\u5e02\u5834\u3078\u5c4a\u3051\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u65b0\u3057\u3044\u8996\u70b9\u3092\u6301\u3063\u3066\u518d\u4fdd\u967a\u696d\u52d9\u306b\u30a2\u30d7\u30ed\u30fc\u30c1\u3059\u308b\u4e00\u65b9\u3067\u3001\u904e\u53bb1\u4e16\u7d00\u306b\u308f\u305f\u308a\u3053\u306e\u696d\u754c\u304c\u3069\u306e\u3088\u3046\u306b\u767a\u5c55\u3092\u9042\u3052\u3066\u304d\u305f\u306e\u304b\u3068\u3044\u3046\u57fa\u790e\u3092\u7406\u89e3\u3057\u3066\u3044\u307e\u3059\u3002<\/em><\/p>\n<p><em>\u4e16\u754c\u304c\u304b\u3064\u3066\u306a\u3044\u52a0\u901f\u5ea6\u3067\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3068\u30c7\u30b8\u30bf\u30eb\u5316\u3092\u53d7\u5bb9\u3059\u308b\u4e2d\u3001\u79c1\u305f\u3061\u306f\u305d\u306e\u529b\u3092\u5229\u7528\u3057\u3066\u3001\u6700\u5148\u7aef\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u304a\u5ba2\u69d8\u306b\u304a\u5c4a\u3051\u3057\u307e\u3059\u3002<\/em><\/p>\n<p><em>\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306b\u5411\u3051\u305f\u3053\u306e\u529b\u5f37\u3044\u53d6\u308a\u7d44\u307f\u306b\u3088\u308a\u3001\u79c1\u305f\u3061\u306f\u9650\u754c\u3092\u62bc\u3057\u5e83\u3052\u3001\u696d\u754c\u306e\u6a21\u7bc4\u3068\u306a\u308a\u3001\u304a\u5ba2\u69d8\u304c\u4e8b\u696d\u3092\u7e41\u6804\u3055\u305b\u3066\u3044\u304f\u305f\u3081\u306e\u9069\u5207\u306a\u4fdd\u967a\u3068\u30ea\u30b9\u30af\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u78ba\u7acb\u3059\u308b\u304a\u624b\u4f1d\u3044\u3092\u3057\u307e\u3059\u300d<\/em>\u3068\u3001JENOA\u306eCEO\u3067\u3042\u308b\u30de\u30cf\u30d6\u30fc\u30d6\u30fb\u30ab\u30fc\u30f3\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4fdd\u967a\u5236\u5ea6\u304c\u751f\u307e\u308c\u305f\u306e\u306f\u4f55\u4e16\u7d00\u3082\u524d\u306e\u3053\u3068\u3067\u3059\u3002\u5f53\u6642\u306e\u5546\u4eba\u305f\u3061\u304c\u3001\u81ea\u7136\u707d\u5bb3\u3067\u8ca8\u72691\u3064\u3092\u5931\u3048\u3070\u30d3\u30b8\u30cd\u30b9\u304c\u53f0\u7121\u3057\u306b\u306a\u308b\u3068\u8003\u3048\u305f\u3053\u3068\u304b\u3089\u59cb\u307e\u308a\u307e\u3057\u305f\u3002\u30ea\u30b9\u30af\u3068\u5148\u884c\u8cbb\u7528\u3068\u306e\u30d0\u30e9\u30f3\u30b9\u306f\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u672a\u6765\u306e\u5546\u54c1\u306b\u304a\u3044\u3066\u3082\u540c\u3058\u3088\u3046\u306b\u3001\u305d\u306e\u6839\u5e79\u3092\u652f\u3048\u3066\u3044\u304f\u3067\u3057\u3087\u3046\u3002\u305f\u3068\u3048\u4fdd\u967a\u5951\u7d04\u306e\u6d41\u901a\u3084\u8ca9\u58f2\u65b9\u6cd5\u304c\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u9032\u5316\u3068\u3068\u3082\u306b\u767a\u5c55\u3092\u7d9a\u3051\u3066\u3082\u3001\u305d\u308c\u304c\u5909\u308f\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u79c1\u305f\u3061\u306f\u3001Abdul Latif Jameel Finance\u3068\u3068\u3082\u306b\u3001\u305d\u306e\u767a\u5c55\u306b\u8ca2\u732e\u3067\u304d\u308b\u3053\u3068\u3092\u697d\u3057\u307f\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a><a href=\"https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech\">https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a><a href=\"https:\/\/www.willistowerswatson.com\/en-GB\/Insights\/2021\/01\/quarterly-insurtech-briefing-q4-2020\">https:\/\/www.willistowerswatson.com\/en-GB\/Insights\/2021\/01\/quarterly-insurtech-briefing-q4-2020<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a><a href=\"https:\/\/home.kpmg\/xx\/en\/home\/insights\/2019\/02\/insurtech-10-auto-insurance-disruption-coming-but-director-not-clear-fs.html\">https:\/\/home.kpmg\/xx\/en\/home\/insights\/2019\/02\/insurtech-10-auto-insurance-disruption-coming-but-director-not-clear-fs.html<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a><a href=\"https:\/\/ec.europa.eu\/eurostat\/statistics-explained\/index.php\/Household_composition_statistics\">https:\/\/ec.europa.eu\/eurostat\/statistics-explained\/index.php\/Household_composition_statistics<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a><a href=\"https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech\">https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech<\/a><\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a><a href=\"https:\/\/www.insurancebusinessmag.com\/uk\/news\/breaking-news\/zurich-innovation-in-insurance-requires-the-right-mindset-173554.aspx\">Zurich\uff1a\u4fdd\u967a\u696d\u754c\u306e\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306b\u5fc5\u8981\u306a\u306e\u306f\u300c\u6b63\u3057\u3044\u30de\u30a4\u30f3\u30c9\u30bb\u30c3\u30c8\u300d | Insurance Business (insurancebusinessmag.com)<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a><a href=\"https:\/\/www.democrance.com\/axa-and-democrance-expand-inclusive-insurance-to-customers-globally\/\">AXA\u3068Democrance\u304c\u5305\u62ec\u7684\u4fdd\u967a\u30b5\u30fc\u30d3\u30b9\u3092\u4e16\u754c\u3078\u5c55\u958b<\/a>\u30012020\u5e745\u670818\u65e5<\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a><a href=\"https:\/\/iireporter.com\/polands-pzu-uses-tractable-ai-to-analyze-auto-damage\/\">\u30dd\u30fc\u30e9\u30f3\u30c9\u306ePZU\u3001Tractable\u306eAI\u3092\u5229\u7528\u3057\u3066\u81ea\u52d5\u8eca\u306e\u640d\u5bb3\u3092\u5206\u6790 | Insurance Innovation Reporter (iireporter.com)<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a><a href=\"https:\/\/www.metlife.com\/about-us\/newsroom\/2020\/september\/metlife-digital-accelerator-partners-with-10-startups\/\">https:\/\/www.metlife.com\/about-us\/newsroom\/2020\/september\/metlife-digital-accelerator-partners-with-10-startups\/<\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a><a href=\"https:\/\/www2.deloitte.com\/xe\/en\/insights\/industry\/financial-services\/financial-services-industry-outlooks\/insurance-industry-outlook.html\">Deloitte 2021\u5e74\u4fdd\u967a\u696d\u754c\u306e\u5c55\u671b<\/a><\/p>\n","protected":false},"author":18,"featured_media":87948,"template":"","tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u672a\u6765\u306b\u304b\u3051\u308b\u4fdd\u967a | Abdul Latif Jameel\u00ae<\/title>\n<meta name=\"description\" content=\"\u4fdd\u967a\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3001\u3044\u308f\u3086\u308b\u300c\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u300d\u306f\u3001\u3059\u3067\u306b\u4e16\u754c\u306e\u4fdd\u967a\u696d\u754c\u3092\u5909\u3048\u3064\u3064\u3042\u308a\u307e\u3059\u30022020\u5e74\u306b\u306f\u4fdd\u967a\u696d\u8005\u3084\u65b0\u8208\u4f01\u696d\u3001\u30d9\u30f3\u30c1\u30e3\u30fc\u30ad\u30e3\u30d4\u30bf\u30ea\u30b9\u30c8\u3001\u958b\u767a\u9280\u884c\u3084\u653f\u5e9c\u652f\u63f4\u306e\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u57fa\u91d1\u306b\u3088\u308b\u4f55\u5341\u5104\u3082\u306e\u6295\u8cc7\u3092\u53d7\u3051\u3001\u4eca\u3082\u3055\u3089\u306a\u308b\u9032\u5316\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\" \/>\n<meta name=\"robots\" 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