{"id":8415,"date":"2015-10-22T08:30:03","date_gmt":"2015-10-22T07:30:03","guid":{"rendered":"http:\/\/www.solucominsight.fr\/?p=8415"},"modified":"2015-10-22T08:55:08","modified_gmt":"2015-10-22T07:55:08","slug":"la-donnee-matiere-premiere-de-lassureur","status":"publish","type":"post","link":"https:\/\/www.riskinsight-wavestone.com\/en\/2015\/10\/la-donnee-matiere-premiere-de-lassureur\/","title":{"rendered":"La donn\u00e9e : mati\u00e8re premi\u00e8re de l’assureur"},"content":{"rendered":"

Le march\u00e9 de l\u2019Assurance s\u2019inscrit dans un contexte en pleine mutation.\u00a0L\u2019enjeu majeur pour les prochaines ann\u00e9es est d\u2019identifier un ou plusieurs\u00a0axes de diff\u00e9renciation b\u00e9n\u00e9ficiaire. Cette mutation est telle qu\u2019elle implique une \u00e9volution du business model, aujourd\u2019hui fond\u00e9 sur un calcul de risques\u00a0\u00e9tabli sur des donn\u00e9es historiques. Cette \u00e9volution, voire rupture, va pouvoir s\u2019appuyer sur de nouvelles technologies, rendant possibles l\u2019acc\u00e8s et la compr\u00e9hension d\u2019un volume de donn\u00e9es en croissance exponentielle.<\/em><\/p>\n

UNE TRANSFORMATION EN\u00a0MARCHE<\/h1>\n

L\u2019Assureur fait face \u00e0 des d\u00e9fis\u00a0r\u00e9glementaires, soci\u00e9taux et\u00a0technologiques. Autant de pressions\u00a0qui n\u00e9cessitent de repenser son\u00a0positionnement.
\nC\u00f4t\u00e9 r\u00e9glementaire d\u2019abord, les enjeux\u00a0sont bien r\u00e9els\u00a0: selon la F\u00e9d\u00e9ration\u00a0Fran\u00e7aise des Soci\u00e9t\u00e9s d\u2019Assurances, plus\u00a0de 30 textes ont \u00e9t\u00e9 \u00e9tudi\u00e9s en 2013\u00a0!<\/p>\n

Au travers de ces textes, la volont\u00e9 du\u00a0l\u00e9gislateur est\u00a0:
\n\u2022 d\u2019accentuer la protection des\u00a0consommateurs avec par exemple la\u00a0Loi Hamon<\/a> (loi sur la consommation) ou la Loi Eckert<\/a> sur les contrats en\u00a0d\u00e9sh\u00e9rence,
\n\u2022 d\u2019en tirer une manne financi\u00e8re\u00a0comme avec les contrats responsables\u00a0et l\u2019augmentation de la taxation de 7 \u00e0\u00a014% si les contrats ne respectent pas\u00a0les conditions dites \u00ab\u00a0responsables\u00a0\u00bb,
\n\u2022 de garantir la solidit\u00e9 financi\u00e8re\u00a0des acteurs de l\u2019Assurance avec\u00a0Solvabilit\u00e9\u00a0II.<\/p>\n

Ces pouss\u00e9es r\u00e9glementaires ont pour effet\u00a0direct de globaliser et tendre le march\u00e9.
\nSur le plan soci\u00e9tal ensuite, les principes\u00a0de solidarit\u00e9 nationale mis en place\u00a0apr\u00e8s guerre pour la Sant\u00e9, la Retraite\u00a0et la D\u00e9pendance sont aujourd\u2019hui en\u00a0tr\u00e8s fort d\u00e9s\u00e9quilibre compte-tenu de\u00a0l\u2019accroissement des frais de sant\u00e9 et du\u00a0vieillissement de la population.<\/p>\n

Si l\u2019on prend l\u2019exemple de la Sant\u00e9,\u00a0les d\u00e9penses repr\u00e9sentaient 4% du\u00a0PIB dans les ann\u00e9es 60 contre pr\u00e8s du\u00a0triple aujourd\u2019hui (11,7% en 2013). En\u00a0sachant que les efforts de pr\u00e9vention\u00a0ne repr\u00e9sentent que 2% des d\u00e9penses\u00a0de Sant\u00e9, une tendance haussi\u00e8re de la\u00a0consommation de soins est in\u00e9vitable.\u00a0Le Centre europ\u00e9en du diab\u00e8te note\u00a0ainsi une pr\u00e9valence de cette maladie\u00a0\u00e0 6% de la population dont 500\u00a0000\u00a0\u00e0 800\u00a0000 diab\u00e9tiques qui s\u2019ignorent,\u00a0laissant pr\u00e9sager une prise en charge\u00a0plus lourde et complexe des futurs soins.\u00a0Sur les d\u00e9penses de Sant\u00e9 en g\u00e9n\u00e9ral, le\u00a0reste \u00e0 charge des Fran\u00e7ais est en hausse\u00a0r\u00e9guli\u00e8re alors que l\u2019acc\u00e8s gratuit \u00e0 la\u00a0m\u00e9decine est devenu un acquis dans\u00a0l\u2019inconscient collectif (source INSEE<\/a>).<\/p>\n

Ce secteur est donc pris en \u00e9tau entre\u00a0un service public dont le budget ne\u00a0permet plus d\u2019assumer le niveau de\u00a0consommation et les Fran\u00e7ais pour qui la\u00a0Sant\u00e9 est un acquis et n\u2019a pas de prix.
\nPar ailleurs, dans le contexte d\u2019une\u00a0\u00e9conomie ouverte, les attentes de\u00a0l\u2019assur\u00e9 \u00e9voluent. Qu\u2019il soit particulier\u00a0ou entreprise, ce dernier est aujourd\u2019hui\u00a0plus averti, plus exigeant et toujours\u00a0en attente de nouveaux services\u00a0technologiques. De consommateur, il\u00a0devient \u00ab\u00a0consom\u2019acteur\u00a0\u00bb de l\u2019\u00e9conomie\u00a0collaborative. Il est soucieux des\u00a0principes de durabilit\u00e9 et a toutefois des pr\u00e9occupations bien individuelles qui\u00a0s\u2019inscrivent dans un nouveau r\u00e9f\u00e9rentiel\u00a0de valeur, celui de l\u2019usage et non plus de\u00a0la possession.<\/p>\n

Or, le business model de l\u2019Assurance\u00a0repose sur la promesse d\u2019indemnit\u00e9 ou\u00a0prestation en cas de survenance d\u2019un\u00a0risque pr\u00e9alablement mutualis\u00e9. Ces\u00a0risques portent sur des biens ou des\u00a0personnes mais pas ou peu sur l\u2019usage qui\u00a0en est fait. Quelles que soient les branches\u00a0d\u2019Assurance, le mod\u00e8le est arriv\u00e9 \u00e0 sa\u00a0limite, compte-tenu des nouveaux\u00a0paradigmes auxquels il doit s\u2019adapter.<\/p>\n

Des tentatives d\u2019\u00e9volution ont \u00e9t\u00e9\u00a0mises en place avec des services en\u00a0compl\u00e9ment des produits d\u2019assurance\u00a0(analyse de devis des professionnels\u00a0de Sant\u00e9, acc\u00e8s \u00e0 un r\u00e9seau de soins en\u00a0Sant\u00e9, de garagistes en Auto). Toutefois,\u00a0ces compl\u00e9ments ne sont pas r\u00e9ellement\u00a0valoris\u00e9s et restent essentiellement\u00a0curatifs.<\/p>\n

Une autre voie est donc \u00e0 inventer\u00a0pour \u00e9valuer diff\u00e9remment les risques\u00a0et \u00e9laborer de nouveaux concepts. Si\u00a0historiquement, les assureurs sont des\u00a0consommateurs de donn\u00e9es et ont\u00a0d\u00e9velopp\u00e9 une expertise sur la collecte\u00a0et le stockage, celle-ci permet de calculer\u00a0les risques et mesurer l\u2019impact de la\u00a0mutualisation. D\u00e9sormais, de nouvelles\u00a0sources sont accessibles et de nouvelles\u00a0logiques sont \u00e0 mettre en lumi\u00e8re.<\/p>\n

DE NOUVELLES VOIES\u00a0OUVERTES<\/h1>\n

Plusieurs nouveaux usages peuvent \u00eatre\u00a0imagin\u00e9s en exploitant le potentiel des\u00a0donn\u00e9es. En premier lieu, mieux exploiter\u00a0les donn\u00e9es internes en repoussant les\u00a0capacit\u00e9s techniques d\u2019exploitation\u00a0permettra de valoriser son patrimoine\u00a0data.<\/p>\n

Ensuite, \u00e9largir \u00e0 de nouvelles\u00a0sources de donn\u00e9es apportera des\u00a0perspectives plus en rupture.
\nPour chacune des sources, la qualit\u00e9 de\u00a0la donn\u00e9e doit \u00eatre analys\u00e9e en suivant\u00a0deux crit\u00e8res principaux\u00a0: le degr\u00e9\u00a0d\u2019exploitabilit\u00e9 et le degr\u00e9 d\u2019int\u00e9r\u00eat.\u00a0La complexit\u00e9 vise \u00e0 qualifier chaque\u00a0donn\u00e9e unitairement mais \u00e9galement\u00a0en corr\u00e9lation avec d\u2019autres. Une donn\u00e9e\u00a0a priori sans int\u00e9r\u00eat, comme l\u2019heure de\u00a0r\u00e9alisation d\u2019un devis sur internet, pourra\u00a0acqu\u00e9rir du sens en corr\u00e9lation avec\u00a0d\u2019autres.
\nEt point particulier concernant l\u2019Open\u00a0data\u00a0: l\u2019engagement de service du\u00a0d\u00e9tenteur d\u2019une source de donn\u00e9es\u00a0est un crit\u00e8re structurant pour garantir\u00a0l\u2019utilisation p\u00e9renne de cette derni\u00e8re.<\/p>\n

\"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"

Le march\u00e9 de l\u2019Assurance s\u2019inscrit dans un contexte en pleine mutation.\u00a0L\u2019enjeu majeur pour les prochaines ann\u00e9es est d\u2019identifier un ou plusieurs\u00a0axes de diff\u00e9renciation b\u00e9n\u00e9ficiaire. Cette mutation est telle qu\u2019elle implique une \u00e9volution du business model, aujourd\u2019hui fond\u00e9 sur un calcul…<\/p>\n","protected":false},"author":1067,"featured_media":8420,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/tmpl-one.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[38,37],"tags":[197,189,79],"coauthors":[2490],"class_list":["post-8415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","category-digital-innovation","tag-assurance-2","tag-big-data","tag-donnee"],"acf":[],"yoast_head":"\nLa donn\u00e9e : mati\u00e8re premi\u00e8re de l'assureur - RiskInsight<\/title>\n<meta name=\"description\" content=\"Le march\u00e9 de l\u2019Assurance s\u2019inscrit dans un contexte en pleine mutation, l\u2019enjeu majeur est d\u2019identifier des axes de diff\u00e9renciation b\u00e9n\u00e9ficiaire...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.riskinsight-wavestone.com\/en\/2015\/10\/la-donnee-matiere-premiere-de-lassureur\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La donn\u00e9e : mati\u00e8re premi\u00e8re de l'assureur - 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