麦肯锡钟惠馨：AI转型重塑保险行业，技术与组织能力需协同升级

Core Insights - The insurance industry is undergoing a significant transformation driven by artificial intelligence (AI), which is reshaping its ecosystem and creating new opportunities for efficiency and value extraction [1][3] - Successful AI transformation in insurance requires a strategic alignment of operational models with the company's core objectives, emphasizing the need for a collaborative evolution of technology, data, organization, and talent [1][5] AI Transformation Pathways - AI can create incremental value across various core functions in insurance, including sales distribution, pricing, claims processing, and policy servicing [1][3] - The rapid development of generative AI enhances the industry's ability to process unstructured data, such as claims reports and medical records, significantly improving data utilization efficiency [3][4] Data Governance - Effective data governance is crucial for AI applications, necessitating a systematic approach that includes data asset inventory, building a unified data platform, and modernizing legacy systems [4][5] - Compliance and privacy protection must be prioritized in data governance frameworks to ensure the legal and secure handling of sensitive customer information [4][5] Strategic Focus Areas - Insurance companies should avoid indiscriminate investments in AI and instead focus on areas that align with their strategic goals, such as improving claims efficiency or enhancing customer experience [5][6] - The integration of "soft capabilities" like operational processes and talent development is essential alongside technological advancements to ensure successful AI implementation [5][6] Talent Acquisition and Retention - Attracting and retaining AI talent relies on capital attractiveness and the availability of skilled professionals in regions like mainland China, Hong Kong, and Singapore [6][7] - Building a strong team with experienced technical talent and establishing a supportive human resources process can create a sustainable cycle of attracting, developing, and retaining talent [6][7] Employee Engagement and Cultural Shift - The success of AI transformation depends on employee engagement and the cultivation of a culture that encourages active participation in AI integration [8][9] - Management should foster an innovative culture, provide systematic training, and establish incentive mechanisms to promote the adoption of AI tools and collective responsibility for the transformation [8][9]