麦肯锡全球资深董事合伙人钟惠馨：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][2] - AI transformation in insurance is a collaborative evolution involving technology, data, organization, and talent, requiring deep integration into business strategies to transition from mere application to value creation [1][4] Data Governance - Effective data governance is crucial for AI applications, necessitating a systematic, step-by-step strategy that includes data asset inventory, building a unified data platform, and modernizing legacy systems [3][4] - The first step involves assessing data quality and breaking down data silos, while the second step focuses on creating a platform for cross-departmental data sharing [3][4] - Compliance and privacy protection must be prioritized throughout the data governance process, given the sensitivity of insurance data [3] AI Talent and Organizational Change - Successful AI transformation relies on professional talent and a well-aligned operational model with strategic goals, emphasizing targeted investments in areas that yield the highest value [4][5] - Organizations must simultaneously develop "soft capabilities" alongside "hard technologies," ensuring that operational processes and talent development keep pace with technological advancements [5][6] - Attracting and retaining AI talent is essential, supported by the growth of the financial sector in Asia and the establishment of a robust talent management framework [5][6] Implementation Strategies - A focused approach is recommended for AI transformation, starting with specific areas such as claims or pricing, and gradually expanding based on measurable outcomes [6][7] - Change management is critical, as the successful integration of AI into daily operations depends on fostering a culture of responsibility and engagement among employees [6][7] - Building an innovative culture, enhancing employee capabilities through training, and establishing incentive mechanisms are key to encouraging active participation in AI initiatives [7]