{"id":18601,"date":"2024-09-19T20:51:16","date_gmt":"2024-09-20T01:51:16","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%eb%b3%b4%ed%97%98%ec%82%ac%eb%8a%94-%eb%b6%84%ec%84%9d-%eb%b0%8f-%eb%8d%b0%ec%9d%b4%ed%84%b0-%ec%9d%b8%ed%85%94%eb%a6%ac%ec%a0%84%ec%8a%a4%ec%97%90-%eb%8c%80%ed%95%b4-%ec%96%b4%eb%96%a4-%ec%9e%85\/"},"modified":"2024-09-19T20:51:24","modified_gmt":"2024-09-20T01:51:24","slug":"%eb%b3%b4%ed%97%98%ec%82%ac%eb%8a%94-%eb%b6%84%ec%84%9d-%eb%b0%8f-%eb%8d%b0%ec%9d%b4%ed%84%b0-%ec%9d%b8%ed%85%94%eb%a6%ac%ec%a0%84%ec%8a%a4%ec%97%90-%eb%8c%80%ed%95%b4-%ec%96%b4%eb%96%a4-%ec%9e%85","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%eb%b3%b4%ed%97%98%ec%82%ac%eb%8a%94-%eb%b6%84%ec%84%9d-%eb%b0%8f-%eb%8d%b0%ec%9d%b4%ed%84%b0-%ec%9d%b8%ed%85%94%eb%a6%ac%ec%a0%84%ec%8a%a4%ec%97%90-%eb%8c%80%ed%95%b4-%ec%96%b4%eb%96%a4-%ec%9e%85\/","title":{"rendered":"\ubcf4\ud5d8\uc0ac\ub294 \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\uc5d0 \ub300\ud574 \uc5b4\ub5a4 \uc785\uc7a5\uc744 \ucde8\ud558\uace0 \uc788\uc2b5\ub2c8\uae4c?"},"content":{"rendered":"\n<p>\ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uc190\ud574 \ubcf4\ud5d8\uc0ac\ub294 \uc720\ub09c\ud788 \uc5b4\ub824\uc6b4 \uc2dc\uae30\ub97c \uacaa\uc5c8\uc2b5\ub2c8\ub2e4.\n\ubbf8\uad6d \uad6d\ub9bd\ud574\uc591\ub300\uae30\uccad(National Oceanic and Atmospheric Administration)\uc758 <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\" target=\"_blank\" rel=\"noreferrer noopener\">\uc790\ub8cc\uc5d0<\/a> \ub530\ub974\uba74 2017\ub144\uc740 \ubbf8\uad6d\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc218\uc2ed\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc790\uc5f0\uc7ac\ud574 \uac74\uc218\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uae30\ub85d\uc744 \uc138\uc6e0\uc2b5\ub2c8\ub2e4.\n2020\ub144\uc740 \uc790\uc5f0\uc7ac\ud574\ub85c \uc778\ud574 \uae30\ub85d\uc0c1 \uac00\uc7a5 \ub9ce\uc740 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud55c \ud574 \uc911 \ud558\ub098\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4.\n\ub610\ud55c P&amp;C \ubcf4\ud5d8 \ud22c\uc790\ub294 \ucf54\ub85c\ub09819 \ucd08\uae30 \uba87 \ub2ec \ub3d9\uc548 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc5c8\ub2e4\uace0 McKinsey\uc758 <a href=\"https:\/\/www.mckinsey.com\/business-functions\/strategy-and-corporate-finance\/our-insights\/the-impact-of-covid-19-on-capital-markets-one-year-in\" target=\"_blank\" rel=\"noreferrer noopener\">Chris Bradley\uc640 Peter Stumpner<\/a> \ub294 \uc9c0\uc801\ud569\ub2c8\ub2e4.   <\/p>\n\n<p>\uc624\ub298\ub0a0 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc9c0\ucd9c \uac10\uc18c, \uc7ac\uc0b0 \ud53c\ud574 \ubc0f \uc7ac\ud574 \uc99d\uac00, \ud22c\uc790\uc790\uc758 \uc591\uba74\uc131 \ub4f1\uc758 \uc2dc\ub300\uc5d0 \ud575\uc2ec \ube44\uc988\ub2c8\uc2a4\ub97c \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 \ubd84\uc8fc\ud788 \uc6c0\uc9c1\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub294 \ubcf4\ud5d8\uc0ac\uac00 \ube44\uc988\ub2c8\uc2a4 \ud504\ub85c\uc138\uc2a4\ub97c \uac1c\uc120\ud558\uace0 \uacbd\uc7c1 \uc6b0\uc704\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. <\/p>\n\n<h2 class=\"wp-block-heading\">2022\ub144 \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4<\/h2>\n\n<p>&#8220;\ub370\uc774\ud130 \ubd84\uc11d&#8221;\uacfc &#8220;\ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4&#8221;\ub77c\ub294 \uc6a9\uc5b4\ub294 \uc885\uc885 \uc11c\ub85c \ubc00\uc811\ud558\uac8c \uad00\ub828\ub418\uc5b4 \uc0ac\uc6a9\ub429\ub2c8\ub2e4.\n\uc5b4\ub5a4 \uc0c1\ud669\uc5d0\uc11c\ub294 \uc11c\ub85c \ubc14\uafd4\uc11c \uc0ac\uc6a9\ub418\uae30\ub3c4 \ud569\ub2c8\ub2e4. <\/p>\n\n<p>\ubd84\uc11d\uacfc \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub294 \uc11c\ub85c \uad00\ub828\ub418\uc5b4 \uc788\uc9c0\ub9cc \uc11c\ub85c \ubc14\uafd4 \uc0ac\uc6a9\ud560 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.\n\ub300\uccb4\ub85c \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub294 \uc778\uc0ac\uc774\ud2b8\ub97c \uc5bb\uae30 \uc704\ud574 \ub370\uc774\ud130\ub97c \ud0d0\uc0c9\ud558\uace0 \uac80\uc0ac\ud560 \uc218 \uc788\ub294 \ubaa8\ub4e0 \ubc29\ubc95\uc744 \ud3ec\uad04\ud558\ub294 \ud3ec\uad04\uc801\uc778 \ubc94\uc8fc\uc785\ub2c8\ub2e4.\n\ub370\uc774\ud130 \ubd84\uc11d\uc740 \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\uc758 \ubc94\uc8fc\uc5d0 \uc18d\ud558\ub294 \ud504\ub85c\uc138\uc2a4 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.  <\/p>\n\n<p>\ub370\uc774\ud130 \ubd84\uc11d\uc740 \uc6d0\uc2dc \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\uace0 \ucc98\ub9ac\ud558\uc5ec \ud574\ub2f9 \ub370\uc774\ud130\uc5d0 \ub098\ud0c0\ub098\ub294 \ucd94\uc138\ub098 \ud328\ud134\uc744 \ub4dc\ub7ec\ub0b8\ub2e4\uace0 AI \ud50c\ub7ab\ud3fc Akira.ai \uc758 <a href=\"https:\/\/www.akira.ai\/blog\/data-intelligence-vs-analytics\" target=\"_blank\" rel=\"noreferrer noopener\">Jagreet Kaur Gill<\/a> \uc740 \ub9d0\ud569\ub2c8\ub2e4.\n\uc218\uc9d1 \ubc0f \ucc98\ub9ac \uae30\ub2a5\uc740 \ud575\uc2ec \uc9c8\ubb38 \ub610\ub294 \ubaa9\ud45c\ub97c \uc5fc\ub450\uc5d0 \ub450\uace0 \uc124\uacc4\ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \uae30\ud6c4 \ubc0f \ub0a0\uc528 \ud328\ud134\uc758 \ubcc0\ud654\ub97c \uc774\ud574\ud558\ub824\ub294 \ub370\uc774\ud130 \ubd84\uc11d\uc740 \ubcf4\ud5d8 \uace0\uac1d\uc774 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uacac\uc801\uc11c\ub97c \uc791\uc131\ud558\ub294 \ub3c4\uc911\uc5d0 \uc2e0\uccad \ud504\ub85c\uc138\uc2a4\ub97c \ud3ec\uae30\ud558\ub294 \uc774\uc720\ub97c \uc774\ud574\ud558\ub824\ub294 \ub370\uc774\ud130 \ubd84\uc11d\uacfc \ub2e4\ub974\uac8c \uc791\ub3d9\ud569\ub2c8\ub2e4.  <\/p>\n\n<p>\ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub294 \uad11\ubc94\uc704\ud55c \ubc94\uc8fc\uc785\ub2c8\ub2e4.\n\uadf8\ub4e4\uc758 \uae30\ub2a5\uacfc \uc801\uc6a9\uc740 \ubaa8\ud638\ud574 \ubcf4\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \ub3c4\uad6c\ub294 \ubcf4\ud5d8\uc758 \uc5ec\ub7ec \uad6c\uccb4\uc801\uc778 \uc601\uc5ed\uc5d0 \uc801\uc6a9\ub420 \uc218 \uc788\ub2e4\uace0 Swiss Re\uc758 <a href=\"https:\/\/www.swissre.com\/risk-knowledge\/advancing-societal-benefits-digitalisation\/machine-intelligence-in-insurance.html\" target=\"_blank\" rel=\"noreferrer noopener\">Yannick Even\uacfc Jonathan Anchen<\/a> \uc740 \ub9d0\ud569\ub2c8\ub2e4.  <\/p>\n\n<p>\uc608\ub97c \ub4e4\uc5b4, AI \uc9c0\uc6d0 \ub370\uc774\ud130 \ubd84\uc11d\uc744 \uc0ac\uc6a9\ud558\uc5ec \ubb38\uc11c(\uacc4\uc57d\uc11c \ud3ec\ud568), \uc774\uba54\uc77c \ubc0f \ucc44\ud305 \ub85c\uadf8\uc758 \ud14d\uc2a4\ud2b8\ub97c \ube60\ub974\uac8c \ucc98\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8 \uacb0\uacfc \uac1c\ubcc4 \uace0\uac1d\uacfc \uacc4\uc57d \uc870\uac74\uc744 \ub354 \uc798 \uc774\ud574\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc5d0\uc774\uc804\ud2b8, \uc911\uac1c\uc778 \ubc0f \uace0\uac1d \uc11c\ube44\uc2a4 \ub2f4\ub2f9\uc790\uac00 \ub354 \ub098\uc740 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4 \ub3c4\uc785\uc758 \ucd08\uae30 \ub2e8\uacc4\uc5d0\uc11c \ub4a4\ucc98\uc838 \uc788\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ubcf4\ud5d8\uc740 \ube60\ub974\uac8c \ub530\ub77c\uc7a1\uace0 \uc788\uc73c\uba70 \ud601\uc2e0\uc744 \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ube44\uc988\ub2c8\uc2a4 \ud504\ub85c\uc138\uc2a4 \uad00\ub9ac \ud68c\uc0ac\uc778 WNS Global Services\uc758 <a href=\"https:\/\/www.dig-in.com\/opinion\/how-data-ai-is-propelling-the-insurance-digital-journey\" target=\"_blank\" rel=\"noreferrer noopener\">Suhas Sethi\uc640 Yogendra Goyal<\/a> \uc740 &#8220;\uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \ub9e4\uc6b0 \ube60\ub974\uac8c \uc77c\uc5b4\ub098\uace0 \uc788\uc5b4 \uc624\ub298\ub0a0 \ubcf4\ud5d8 \uc0b0\uc5c5\uc740 \ub2e4\ub978 \uc5ec\ub7ec \uc0b0\uc5c5\ubcf4\ub2e4 \ub370\uc774\ud130 \ubd84\uc11d\uc758 \uc131\uc219\ub3c4\uac00 \ub354 \ub192\uc2b5\ub2c8\ub2e4. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-data-monitors-1024x684.jpg\" alt=\"\" class=\"wp-image-11601\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-data-monitors-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-data-monitors-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-data-monitors-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-data-monitors.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\ubcf4\ud5d8 \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4<\/h2>\n\n<p>\ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub294 \ub354 \uc774\uc0c1 \ub2e8\uc21c\ud788 \uc788\uc73c\uba74 \uc88b\uc740 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4.\n&#8220;\ub3d9\uae09 \ucd5c\uace0\uc758 \uae30\uc5c5\ub4e4\uc740 \uc0c1\ub2f9\ud55c \uac00\uce58\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \uace0\uae09 \ub370\uc774\ud130 \ubc0f \ubd84\uc11d \uc778\uc218 \uae30\ub2a5\uc744 \uad6c\ucd95\ud558\uc5ec \uacbd\uc7c1\uc0ac\uc640\uc758 \uaca9\ucc28\ub97c \uc881\ud788\uace0 \uc788\uc2b5\ub2c8\ub2e4&#8221;\ub77c\uace0 <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-data-and-analytics-are-redefining-excellence-in-p-and-c-underwriting\" target=\"_blank\" rel=\"noreferrer noopener\">Kia Javanmardian<\/a> \uacfc McKinsey\uc758 \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\ub9e5\ud0a8\uc9c0(McKinsey)\uc758 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub97c \uc5b8\ub354\ub77c\uc774\ud305\uc5d0 \uc0ac\uc6a9\ud560 \ub54c \ubcf4\ud5d8\uc0ac\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uba87 \uac00\uc9c0 \uc601\uc5ed\uc5d0\uc11c \uac1c\uc120\uc744 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\uc190\ud574\uc728\uc774 <strong>3-5 \ud3ec\uc778\ud2b8 \ud5a5\uc0c1<\/strong>\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc2e0\uaddc \uc0ac\uc5c5 \ubcf4\ud5d8\ub8cc <strong>10-15% \uc99d\uac00<\/strong>.<\/li>\n\n\n\n<li>\uac00\uc7a5 \uc218\uc775\uc131\uc774 \ub192\uc740 \ubcf4\ud5d8 \uce74\ud14c\uace0\ub9ac\uc5d0\uc11c <strong>5-10%<\/strong>\uc758 \uace0\uac1d \uc720\uc9c0\uc728.<\/li>\n<\/ul>\n\n<p>\ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub294 \ub5a0\uc624\ub974\ub294 \ud2b8\ub80c\ub4dc\uc640 \uc0c8\ub85c\uc6b4 \uc2dc\uc7a5 \uae30\ud68c\ub97c \ud3ec\ucc29\ud558\ub294 \ub370\uc5d0\ub3c4 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub2e4\uace0 \uc800\uc790\ub294 \uc9c0\uc801\ud569\ub2c8\ub2e4.<\/p>\n\n<p>\uc778\uacf5 \uc9c0\ub2a5\uc740 \ud5a5\uc0c1\ub41c \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\uc758 \uac15\ub825\ud55c \uc6d0\ub3d9\ub825\uc785\ub2c8\ub2e4.\nWNS\/Forrester <a href=\"https:\/\/www.wns.com\/wns-forrester-global-analytics-survey\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">\uc5f0\uad6c\uc5d0<\/a> \ub530\ub974\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\uc751\ub2f5 \uae30\uc5c5\uc758 <strong>72%<\/strong>\ub294 AI \uac15\ud654 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uc5ec \ube44\uc988\ub2c8\uc2a4 \uc778\ud154\ub9ac\uc804\uc2a4\ub97c \uac1c\uc120\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>67%<\/strong> \ub294 \ud14d\uc2a4\ud2b8 \ubd84\uc11d\uc744 \uc0ac\uc6a9\ud588\uc73c\uba70, 65%\ub294 \uc74c\uc131 \ubd84\uc11d\uc744 \uc0ac\uc6a9\ud558\uc5ec \uace0\uac1d \uc0c1\ud638 \uc791\uc6a9\uc744 \ud3ec\ud568\ud55c \ub370\uc774\ud130\ub97c \ub354 \uc798 \uc774\ud574\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>54%<\/strong> \ub294 \ub354 \ub098\uc740 \ub370\uc774\ud130 \uc778\uc0ac\uc774\ud2b8\ub97c \uc5bb\uae30 \uc704\ud574 \uc885\uc885 \ucc57\ubd07 \ubc0f \uc720\uc0ac\ud55c \ub3c4\uad6c\uc5d0 \ub0b4\uc7a5\ub41c \uc790\uc5f0\uc5b4 \ucc98\ub9ac\uc5d0 \uc758\uc874\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>45%<\/strong> \ub294 \uba38\uc2e0 \ub7ec\ub2dd \ud50c\ub7ab\ud3fc\uc744 \uc0ac\uc6a9\ud558\uc5ec \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub97c \uac1c\uc120\ud558\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n<p>\uc804\ubc18\uc801\uc73c\ub85c \uc774 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uae30\uc5c5\uc758 97%\uac00 \uace0\uae09 \ub370\uc774\ud130 \ubd84\uc11d \ubc0f \uc778\ud154\ub9ac\uc804\uc2a4 \uad00\ud589\uc5d0\uc11c \ube44\ub86f\ub41c \uc6b4\uc601\uc0c1\uc758 \uc774\uc810\uc744 \ubcf4\uace0\ud569\ub2c8\ub2e4.<\/p>\n\n<p>\ubaa8\ub4e0 \uae30\uc220\uc774 \uadf8\ub807\ub4ef\uc774 AI \uae30\ubc18 \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub3c4 \ucd08\uae30\uc5d0\ub294 \ud68c\uc758\ub860\uc744 \ubd88\ub7ec\uc77c\uc73c\ucf30\uc2b5\ub2c8\ub2e4.\n\ucc98\uc74c\uc5d0 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 AI\uac00 \uc77c\uc2dc\uc801\uc778 \uc720\ud589\uc778\uc9c0, \uc544\ub2c8\uba74 \uc9c0\uc18d\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \ub3c4\uad6c\uc778\uc9c0 \ud310\ub2e8\ud558\ub294 \ub370 \ud544\uc694\ud55c \uc815\ubcf4\uac00 \ubd80\uc871\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc624\ub298\ub0a0 AI\ub294 \ubaa8\ub4e0 \ub2e8\uacc4\uc5d0\uc11c \ubcf4\ud5d8 \ube44\uc988\ub2c8\uc2a4\ub97c \ud601\uc2e0\ud560 \uc218 \uc788\ub294 \ub2a5\ub825 \ub355\ubd84\uc5d0 \ud6c4\uc790\uc758 \ubc94\uc8fc\uc5d0 \uc18d\ud55c\ub2e4\uace0 IKOR\uc758 <a href=\"https:\/\/ikor.one\/en\/blog\/data-analytics-en\/how-insurance-companies-exploit-their-full-data-potential\/\" target=\"_blank\" rel=\"noreferrer noopener\">Thomas L\u00f6chte<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\ub370\uc774\ud130 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc740 \ubcf4\ud5d8\uc0ac\uac00 \uc2e4\uc2dc\uac04 \uc774\ubca4\ud2b8\uc5d0 \ub300\uc751\ud558\uc5ec \ubcf4\ud5d8 \uc815\ucc45\uc744 \uc778\uc218\ud558\uace0 \ubc30\ud3ec\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub97c \ud1b5\ud574 \ubcf4\ud5d8\uc0ac\ub294 \uac01 \uace0\uac1d\uc758 \ud2b9\uc815 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub9de\ub294 \uc784\ubca0\ub514\ub4dc \ub610\ub294 POS(Point of Sale) \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub294 \ub2e8\ub3c5\uc73c\ub85c \uc791\uc5c5\uc744 \uc218\ud589\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.\n\ucea1\uc81c\ubbf8\ub2c8(Capgemini)\uc758 \uc778\uc0ac\uc774\ud2b8 \ubc0f \ub370\uc774\ud130 CEO\uc778 <a href=\"https:\/\/technologymagazine.com\/data-and-data-analytics\/when-ai-and-data-analytics-meets-business-intelligence\" target=\"_blank\" rel=\"noreferrer noopener\">\uc9c0\uc6e8\uc774 \uc9c0\uc559(Zhiwei Jiang<\/a>)\uc740 &#8220;AI \uc194\ub8e8\uc158\uc744 \uad6c\ub9e4\ud558\uace0 \uc5f0\uacb0\ud55c \ud6c4 \uc790\uccb4 \uae30\uae30\uc5d0\uc11c \uc2e4\ud589\ud560 \uc218 \uc788\ub2e4\ub294 \uc0dd\uac01\uc740 \uc194\uc9c1\ud788 \uacf5\uc0c1 \uacfc\ud559 \uc18c\uc124\uc5d0 \ubd88\uacfc\ud558\ub2e4&#8221;\uace0 \ub9d0\ud569\ub2c8\ub2e4.\n\ubcf4\ud5d8\uc0ac\ub294 \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4 \ubc0f \ubd84\uc11d\uc744 \uc548\ub0b4\ud558\uace0 \uac1c\ubc1c\ud558\ub294 \ub370 \ud544\uc694\ud55c \uae30\uc220\uc744 \uac16\ucd98 \uc9c1\uc6d0\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ubd84\uc11d \uacb0\uacfc\ub97c \ud574\uc11d\ud558\uace0 \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\ub3c4 \ud544\uc694\ud569\ub2c8\ub2e4.   <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-financial-analysis-1024x683.jpg\" alt=\"\" class=\"wp-image-11591\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-financial-analysis-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-financial-analysis-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-financial-analysis-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-financial-analysis.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\uac15\ub825\ud55c \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub97c \uc704\ud55c \ubaa8\ubc94 \uc0ac\ub840<\/h2>\n\n<p>AI \uc9c0\uc6d0 \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub294 \ub9cc\ubcd1 \ud1b5\uce58\uc57d\uc774 \uc544\ub2d9\ub2c8\ub2e4.\n\uc774 \uae30\uc220\uc740 \ubcf4\ud5d8 \ubc0f \uc720\ud1b5\uc5d0 \ud601\uba85\uc744 \uc77c\uc73c\ud0ac \uc218 \uc788\uc9c0\ub9cc \uadf8 \uad6c\ud604\uc740 \ubcf4\ud5d8\uc0ac\uc5d0 \ubb38\uc81c\ub97c \uc81c\uae30\ud569\ub2c8\ub2e4. <\/p>\n\n<p>2019\ub144 EIOPA <a href=\"https:\/\/www.eiopa.europa.eu\/document-library\/fact-sheet\/big-data-analytics-motor-and-health-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">\uc5f0\uad6c\uc5d0<\/a> \ub530\ub974\uba74 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ucd5c\uc2e0 \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub97c \uad6c\ud604\ud558\ub294 \ub370 \uc788\uc5b4 \uacf5\ud1b5\uc801\uc778 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uacfc\uc81c\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\uaddc\uc815 \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\uace0 \uaddc\uc815 \ubcc0\uacbd \uc0ac\ud56d\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \uc720\uc9c0\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>AI \ubc0f \ub370\uc774\ud130 \ubcf4\uc548\uc744 \ub458\ub7ec\uc2fc \uc18c\ube44\uc790 \uc2e0\ub8b0 \ud574\uc18c.<\/li>\n\n\n\n<li>\ub370\uc774\ud130\uac00 \uc815\ud655\ud558\uace0 \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc0ac\uc6a9\uc774 \uc724\ub9ac\uc801 \ud45c\uc900\uc744 \ub530\ub974\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ud574\ud0b9 \ubc0f \ub370\uc774\ud130 \ub3c4\ub09c\uacfc \uac19\uc740 \uc0ac\uc774\ubc84 \uc704\ud5d8\uc73c\ub85c\ubd80\ud130 \ubcf4\ud638\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\uc640 \uad00\ub828\ub41c \uae30\uc220 \ubd80\uc871 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud55c \uc9c1\uc6d0\uc744 \uace0\uc6a9\ud558\uace0 \uad50\uc721\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n<p>\ub2e8\uc21c\ud788 \ub370\uc774\ud130\uc5d0 \uc561\uc138\uc2a4\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub294 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n\ub370\uc774\ud130\ub97c \uc218\uc9d1, \uc800\uc7a5 \ubc0f \ubd84\uc11d\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc740 \ubcf4\ud5d8\uc0ac\uc5d0 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uc5ed\ub7c9\uc774 \uc5c6\uc73c\uba74 \ubcf4\ud5d8\uc0ac\ub294 \ub370\uc774\ud130\uc5d0\uc11c \uc778\uc0ac\uc774\ud2b8\ub97c \uc218\uc9d1\ud558\uace0 \ud574\ub2f9 \uc815\ubcf4\ub97c \uc790\uc0ac\uc640 \uace0\uac1d\uc744 \uc704\ud574 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc783\uac8c \ub429\ub2c8\ub2e4.  <\/p>\n\n<p>\ubcf4\ud5d8\uc0ac\uac00 \uc9c1\uba74\ud55c \ub610 \ub2e4\ub978 \uacfc\uc81c\ub294 \uae30\uc874 \ud300\uc774 \ud560 \uc218 \uc788\ub294 \uac83\uacfc \uac15\ub825\ud55c \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \ubd84\uc11d\uc774 \uc694\uad6c\ud558\ub294 \uac83 \uc0ac\uc774\uc758 \uae30\uc220 \uaca9\ucc28\uc785\ub2c8\ub2e4.<\/p>\n\n<p>\uc5ed\ub7c9, \ub3c4\uad6c, \ud504\ub85c\uc138\uc2a4 \ubc0f \uae30\uc220\uc744 \uacb0\ud569\ud558\uba74 \ubcf4\ud5d8\uc0ac\uac00 \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\uc758 \ubbf8\ub798\ub85c \ub098\uc544\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ud604\uc7ac \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\ub7ec\ud55c \ube44\uc804\uc744 \uc2e4\ud604\ud558\uae30 \uc704\ud574 \ud574\uc57c \ud560 \uc77c\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.\nCapgemini\uc758 \ud55c \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 &#8220;\ubcf4\ud5d8 \uc870\uc9c1\uc758 18%\ub9cc\uc774 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\ub294 \ub370\uc774\ud130\uc758 \uc591\uc774 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uc644\uc804\ud55c \uac00\uce58\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \ub3c4\uad6c, \uae30\uc220, \uc778\ub825, \ud504\ub85c\uc138\uc2a4, \uae30\uc220 \ubc0f \ubb38\ud654\ub97c \uac16\ucd94\uace0 \uc788\uc5c8\ub2e4&#8221;\uace0 <a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/01\/Data-Masters-in-Insurance_FINAL_WEB.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Seth Rachlin<\/a> \uacfc \ub3d9\ub8cc \uc5f0\uad6c \uc800\uc790\ub4e4\uc740 \uc37c\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc0c1\uc704 18%\uc758 \uc870\uc9c1\uc774 \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4 \uc131\uacf5\uc744 \uc774\ub044\ub294 \uba87 \uac00\uc9c0 \uacf5\ud1b5 \uae30\ub2a5\uc744 \uacf5\uc720\ud588\uc2b5\ub2c8\ub2e4.\n80% \uc774\uc0c1\uc740 \ub370\uc774\ud130 \ub9ac\ud130\ub7ec\uc2dc\uac00 \uc8fc\uc81c \uc804\ubb38\uac00\uc5d0 \uad6d\ud55c\ub418\uc9c0 \uc54a\uace0 \ud300 \uac04\uc5d0 \uacf5\uc720\ub418\ub294 \ud575\uc2ec \uae30\uc220\uc774\ub77c\uace0 \ud655\uc2e0\ud588\uc73c\uba70, 84%\ub294 \ub300\ubd80\ubd84\uc758 \uc9c1\uc6d0\uc744 \uc704\ud55c &#8220;\uc5ed\ud560 \uae30\ubc18 \ub370\uc774\ud130 \uc5c5\uc2a4\ud0ac\ub9c1 \ud504\ub85c\uadf8\ub7a8&#8221;\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.\n78%\ub294 \uc5c5\uc2a4\ud0ac\ub9c1 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ud45c\uc900 \uc778\uacf5 \uc9c0\ub2a5 \ubc0f \uba38\uc2e0 \ub7ec\ub2dd \uc8fc\uc81c\ubfd0\ub9cc \uc544\ub2c8\ub77c \ubaa8\ub378 \uad50\uc721, \uacfc\uc815 \uc218\uc815 \ubc0f \uc720\uc9c0 \uad00\ub9ac\uc640 \uac19\uc740 \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4 \uae30\uc220\ub3c4 \ud3ec\ud568\ub41c\ub2e4\uace0 \ub2f5\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\ubcf4\ud5d8\uc0ac\uac00 \ubd84\uc11d \ubc0f \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\ub97c \ubc1c\uc804\uc2dc\ud0a4\uae30 \uc704\ud574\uc11c\ub294 \ub370\uc774\ud130 \uc6a9\ub7c9, \ubcf4\uc548 \ubc0f \ubd84\uc11d \ub3c4\uad6c\uc5d0 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud569\ub2c8\ub2e4.\n\ub610\ud55c \ubcf4\ud5d8 \uc804\ubb38\uac00\ub4e4\uc758 \uae30\uc220 \uad6c\ucd95\uc5d0\ub3c4 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud569\ub2c8\ub2e4.\n\ud300\uc774 \uc801\uc808\ud55c \uae30\uc220\uacfc \ub3c4\uad6c\ub97c \uac16\ucd94\uba74 \ub370\uc774\ud130 \uc778\ud154\ub9ac\uc804\uc2a4\uc640 \uc2ec\uce35 \ubd84\uc11d\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uc5ec \uc778\uc218 \ubc0f \ubc30\ud3ec\ub97c \uac1c\uc120\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p><em>\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: dolgachov\/\u00a9123RF.com, andreypopov\/\u00a9123RF.com, adiruch\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uc190\ud574 \ubcf4\ud5d8\uc0ac\ub294 \uc720\ub09c\ud788 \uc5b4\ub824\uc6b4 \uc2dc\uae30\ub97c \uacaa\uc5c8\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \uad6d\ub9bd\ud574\uc591\ub300\uae30\uccad(National Oceanic and Atmospheric Administration)\uc758 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 2017\ub144\uc740 \ubbf8\uad6d\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc218\uc2ed\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc790\uc5f0\uc7ac\ud574 \uac74\uc218\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uae30\ub85d\uc744 \uc138\uc6e0\uc2b5\ub2c8\ub2e4. 2020\ub144\uc740 \uc790\uc5f0\uc7ac\ud574\ub85c \uc778\ud574 \uae30\ub85d\uc0c1 \uac00\uc7a5 \ub9ce\uc740 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud55c \ud574 \uc911 \ud558\ub098\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ub610\ud55c P&amp;C \ubcf4\ud5d8 \ud22c\uc790\ub294 \ucf54\ub85c\ub09819 \ucd08\uae30 \uba87 \ub2ec \ub3d9\uc548 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc5c8\ub2e4\uace0 McKinsey\uc758 Chris [&hellip;]<\/p>\n","protected":false},"featured_media":11617,"template":"","insight-category":[],"class_list":["post-18601","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/18601","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media\/11617"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=18601"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=18601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}