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  5. 激動の時代に領域を広げる：デジタル契約およびパンデミック後の世界

激動の時代に領域を広げる：デジタル契約およびパンデミック後の世界

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2020/04/27
マックス・アン

As we head forward into 2020, we are witnessing common acceptance for remote delivery and communication, whereby both client-relationships and internal business units are arranging work-from-home arrangement and remote support. Adapting to a more digital workplace is taking shape strongly now. Therefore, the pace of digital transformation and innovation will need to increase to cater to the shifting demands in the way we work.

Can We Do It Online?

One aspect which is being forced to adapt in insurance is contracting. We are seeing the switch towards digital contracting for the purchase of life insurance and this will evolve the way we view transaction for life insurance.

Go Digital

Simply, electronic contracting is the online version of a contract and has the consent of people in the agreement. Offer, acceptance and signing are all conducted digitally in a digital contract. The benefits of a digital contract are the ease of use due to available templates from the insurers themselves. Users will only need to select the right template and attached a digital signature for verification and approval. Second, digital contracts are low costs as it does not require printing material and travel cost in delivering a contract. Third, it offers convenience as parties involved need not meet physically and contracts can be shared digitally which allow quick edit, and be communicated through remote delivery medium.

Granted, there are concerns towards the security, legitimacy and authenticity of digital contract and signature signing but it can be mitigated by various methods.

By utilizing one-time password (OTP) and digital signature upon contract acceptance, it provides an authentication layer between transacting parties. The cloud will act as a source for storage and access control resides at the insurers, providing security and privacy. These measures ensure no fraudulent activity occurs within the contract. An online interface interacts with policyholders and should provide good user interface usability for ease of use.

Pressure Pressing the Time to Act

As we investigate possible events post-pandemic, digital transformation and innovation will be pushed into actualization at an increased pace. Digital strategies should now be put into action and technology experimentations will have to scale into production.

We will see a stronger adaptation for a digital workplace and mindset change will enable new methods of working to flourish. Expectations and acceptance into a true digital model can be cultivated and acted upon. And, as human connectivity become more digital, we should be mindful to not dilute relationship but tinker for innovative ways to communicate better online.

The world will change after this time, and this will be a crucial time to learn, re-think initiatives and make bold moves, in preparation for new value creation.

There’s nothing greater than pressure to create an urgency to bring forth the diamonds within.