What are the emerging challenges in the financial business after the post-pandemic period. How the credit risk management and the fraud prevention are changed in those few months? What is the new normal? Discover more with the Experian's experts
Wallife - Nuovi rischi e nuovi scenari - Experian Insurance Talks - Ep. 07
Scopriamo insieme a Polina Marenkova, Head of Business Innovation di Wallife (https://www.linkedin.com/company/wallife/) quali sono i nuovi rischi emergenti legati all’innovazione tecnologica: dal furto dei dati biometrici al deepfake fino al Metaverso. Come prevenire i rischi e mitigare i danni? Quali le possibili coperture assicurative?
30 May 2023
ConTe.it - Il mondo delle assicurazioni Pet. - Francesco Miglietta - Experian Insurance Talks - Ep. 06
ConTe.it- Admiral Group è protagonista della nuova puntata degli Insurance Talks di Experian! 📣
Con Francesco Miglietta, Head of Innovation and Pet Insurance, conosceremo meglio il mondo delle assicurazioni Pet 🐶🐱
Con un CAGR superiore al 14% in Europa ed un valore atteso al 2030 di oltre 12 miliardi, non stupisce che molte Compagnie italiane abbiano in catalogo soluzioni ad hoc e che numerose Insurtech si stiano specializzando.
In Italia meno del 15% degli animali è assicurato e la nuova sensibilità verso il benessere dei nostri amici pelosi spingerà molti milioni di proprietari ad attivarsi in questo senso.
Quali sono le sfide per le Compagnie, nella costruzione della polizza ideale e nella sofisticazione delle tariffe?
Come correlare la predisposizione genetica, o certe abitudini quotidiane, alla probabilità di sinistro?
Scopriamo come un approccio #DataDriven (https://www.youtube.com/hashtag/datadriven) può migliorare l’underwriting e la stessa gestione del sinistro.
16 May 2023
Kopjra - Ghost Broking il brand misuse per le imprese assicurative - Experian Insurance Talks - Ep 05
In questa puntata Tommaso Grotto, Cofondatore e CEO di Kopjra, ci porterà a conoscere una declinazione estremamente interessante del fenomeno del brand misuse (cioè l’utilizzo fraudolento del marchio di un’impresa), che per le Imprese di Assicurazione diventa Ghost Broking 👻.
Pagine web che ricalcano lo stile, i loghi ed il tone of voice della Compagnia di fatto sono veri e propri fenomeni di #phishing.
La #GenerativeAI può aiutare i frodatori nell’industrializzare questo tipo di attività?
⚠️ Quali sono i rischi reputazionali per l’Assicuratore? E quali per il contraente che, convinto di aver acquistato una polizza legittima, si troverà invece scoperto al momento del sinistro?
#Insurance #Insurtech #BrandMisuse #GhostBroking#ExperianInsuranceTalks
2 May 2023
Aliant Group Legal Grounds - Parliamo di Open Insurance e Embedded Insurance con Andrea Maura – Experian Insurance Talks - Ep 04
Parleremo di Ecosistemi e di Open Insurance, grande opportunità incentrata sulla possibilità di condividere informazioni e sulla creazione di bundle di prodotto. Quali sono gli aspetti critici di questo approccio distributivo da un punto di vista legale e di compliance? Ne parliamo con Andrea Maura – Partner, Aliant Group Legal Grounds
13 Apr 2023
Hackmanac- Parliamo di rischi e sicurezza - Experian Insurance Talks - Ep. 03
Intervista a Sofia Scozzari – CEO & Founder di Hackmanac
4 Apr 2023
Sara Assicurazioni: Come colmare il gap assicurativo delle SME italiane? - Experian Insurance Talks - Ep. 02
Intervista a Mauro Beolchi, Responsabile Linea Rischi Direzionali Incendio e Tecnologici di @Sara Assicurazioni.
Tema: gap assicurativo delle SME italiane: perché almeno il 40% delle nostre imprese non ha coperture sufficienti per i rischi? Quali sono le ragioni storiche ⚠️? Dipende dalle limitate risorse e dimensioni delle aziende o da un approccio del management?
Quali azioni le Compagnie e gli intermediari possono mettere in campo per favorire una corretta cultura del rischio ed incrementare la penetrazione dei propri prodotti?
Scopiarmo l'importanza della cultura del rischio
9 Mar 2023
TUA Assicurazioni - Experian Insurance Talks - Ep.01
Intervista ad Angelo De Martino, Responsabile Prodotti e Pricing Non-Auto, TUA Assicurazioni
26 Nov 2021
How the increased availability of data is going to change the risk assessment modelling in the next future
Customers needs and expectations are changed after the pandemic. This have accelerated the digital transformation process. Organizations are now trying to create a digital customer journey as much smooth, easy and transparent as possible.
All this have been possible thanks to the availabilities of data. 3 years ago there were very few financial institutions able to use their transactional data. 3 years ago it was really hard to manage such a huge volume of data. Data without analytics and categorization are meaningless, but now, thanks to advanced analytics, ai and ml is it more easy to develop new analytics models in big data and open sources environment.
24 Nov 2021
How ESG Environmental and Social Governance will change access to credit
In the next future ESG will be more and more important and will change access to credit. Businesses will be assessed on the basis of sustainability. If these could be relatively easy to be assessed for large companies, it is very difficult for SMEs. Thanks to the use of alternative data, web data and web crawling it will be possible to collect relevant and meaningful data to prove the sustainability also for SMEs.
21 Dec 2020
How banks can tackle regulatory risk with advanced tools and adapt to the rapidly evolving economic situation
Regulations are constantly evolving so staying one-step ahead is vital.
Cultivating resilience in a crisis help create business solutions for the new normal.
The circumstances we find ourselves in are unparalleled and changing daily. But by riding out the short-term impact and adapting strategies in line with emerging opportunities, businesses can protect both their customers and themselves.
Discover more here https://experianacademy.com/blog/2020/11/26/regulation/
21 Dec 2020
Key regulatory challenges banks and lenders face during the post-pandemic period
Regulatory compliance is vital to the continued prosperity of the financial industry and everyone it supports.
Part of the route to ensuring compliance is by making sure risk management models are robust and resilient to changing market pressures.
Data and analytics can play a strong role helping to test those models, as they enable institutions to apply them to situations based on real insights.
Discover more here https://experianacademy.com/blog/2020/11/26/regulatory-challenges-in-the-post-pandemic-period/
21 Dec 2020
Maintaining accurate pictures of at-risk customers and safeguarding the business from the impact of payments holidays and moratoria
Right now, one of the biggest challenges for collections teams is trying to keep their costs down while providing an efficient and effective customer experience.
At the same time, many businesses are struggling to identify at-risk customers who have the greatest probability of entering financial difficulty and making it harder to the stop then moving into collections.
But by pro-actively targeting higher-risk customers before they enter collections, businesses can significantly reduce the costs to collect and overall loan provisioning.
Discover more https://experianacademy.com/blog/2020/11/26/impact-of-payments-holidays-and-moratoria/
21 Dec 2020
Adopting predictive Early Warning Systems to safeguard financially fragile borrowers
This podcast is about how banks and lenders can use Early Warning Systems (EWS) to help financially fragile customers. EWS enable lenders to identify fragile customers significantly early and this opens opportunities for better outcomes for both the customer and the lender. Early resolution makes it more likely that the customer retains the collateral and a higher proportion of the bank’s customers remain as performing.
Lenders that used EWS to offer data driven, individualised solutions to customers achieved both better profitability and higher customer satisfaction.
Discover more here https://experianacademy.com/blog/2020/11/26/predictive-analytics-to-safeguard-financially-fragile-customers/
21 Dec 2020
How digital transformation delivers friction-free identity authentication and seamless experiences?
Many organisations have gaps in their digital transformation strategy and are facing challenges amid the urgent need to accelerate to fully serviced digital operating models. While some businesses have adapted, many are struggling.
But successful identity trust and identity risk are now central to any digital business model. The way in which identity authentication and seamless experiences are delivered, will also be critical factors in determining whether businesses can make the most of their opportunities.
Discover more here https://experianacademy.com/blog/2020/11/26/digital-transformation-and-seamless-experiences/
21 Dec 2020
How Open Banking and digitisation are drivers for financial inclusion and responsible lending
Financial inclusion is critical to driving day-to-day financial wellbeing, economic growth and job creation across our region.
Consumers need access to credit, while SMEs need quick accurate lending decisions.
We outline how Open Banking can offer improved access to finance for millions more sole-traders, SMEs and micro-businesses. PSD2 solutions, with the support of AI, also provide a 360-degree customer view to offer timely insight into a customer’s affordability and offer them the right products to serve their needs.
Discover more here https://experianacademy.com/blog/2020/11/26/open-banking-and-digitisation/
15 Dec 2020
How credit risk assessment has changed in the pandemic era
The pandemic, numerous lockdowns and evolving economic circumstances across our region have had a massive impact on income and cash flow for individual consumers, small businesses and sole traders alike. It has affected tens of millions of people.
As a result, banks and lenders need to get as clear a picture of customers exposure to risk as possible, during a very short and rapidly changing time period. We will discuss the best routes to now take in assessing risk and informing decision-making. Discover more here (https://experianacademy.com/blog/2020/11/17/web-data-insights/)
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