財產險的未來：基於雲端的核心保險平台

保險業正在經歷一場深刻的變革。尤其是財產和意外傷害 (P&C) 保險公司，正在採用技術來跟上不斷變化的消費者需求、日益複雜的風險以及快速變化的市場環境。這項轉型的關鍵要素是從遺留系統轉向基於雲端的現代核心保險平台的轉變。

The insurance industry is undergoing a profound transformation. Property and casualty (P&C) insurance companies, in particular, are embracing technology to keep pace with evolving consumer demands, increasingly complex risks, and a rapidly changing market environment. A key element in this transformation is the shift from legacy systems to modern, cloud-based core insurance platforms. These platforms are designed to provide the scalability, flexibility, and efficiency that are necessary for insurers to succeed in today’s competitive and volatile landscape.

保險業正在經歷一場深刻的變革。尤其是財產和意外傷害 (P&C) 保險公司，正在採用技術來跟上不斷變化的消費者需求、日益複雜的風險以及快速變化的市場環境。這項轉型的關鍵要素是從遺留系統轉向基於雲端的現代核心保險平台的轉變。這些平台旨在提供保險公司在當今競爭激烈且不穩定的環境中取得成功所需的可擴展性、靈活性和效率。

BriteCore is a prime example of a provider leading the way in offering scalable, cloud-based P&C insurance software solutions that empower insurers to modernize their operations and adapt to the demands of a digital-first world.

BriteCore 是領先供應商提供可擴展、基於雲端的財產和意外傷害保險軟體解決方案的典型例子，這些解決方案使保險公司能夠實現營運現代化並適應數位優先世界的需求。

The Limitations of Legacy Systems in P&C Insurance

財產保險中傳統系統的局限性

For decades, legacy systems were the backbone of the insurance industry. Many P&C insurance companies relied on on-premise, monolithic software platforms that were built to support core business functions like underwriting, claims management, and policy administration. However, these systems were often inflexible, siloed, and difficult to integrate with newer technologies.

幾十年來，遺留系統一直是保險業的支柱。許多財產和意外保險公司依賴當地的整體軟體平台，這些平台是為了支援承保、索賠管理和保單管理等核心業務功能而建構的。然而，這些系統往往不靈活、孤立，且難以與新技術整合。

As customer expectations and market conditions evolved, legacy systems began to show their limitations. The insurance industry became more data-driven, with a growing need for real-time information and faster decision-making. Legacy systems, typically slow and cumbersome, struggled to keep up with the demand for agility and efficiency.

隨著客戶期望和市場狀況的發展，遺留系統開始顯示出其限制。保險業變得更加數據驅動，對即時資訊和更快決策的需求不斷增長。傳統系統通常緩慢且笨重，難以滿足對敏捷性和效率的需求。

Moreover, many legacy systems were expensive to maintain, requiring significant investment in IT infrastructure, security, and manual processes. For insurers seeking to modernize and stay competitive, these outdated systems quickly became a major bottleneck.

此外，許多遺留系統的維護成本高昂，需要在 IT 基礎架構、安全性和手動流程方面進行大量投資。對於尋求現代化和保持競爭力的保險公司來說，這些過時的系統很快就成為主要瓶頸。

Enter Cloud-Based Core Insurance Platforms

進入基於雲端的核心保險平台

The emergence of cloud technology has provided insurers with a powerful alternative to legacy systems. Core insurance platforms, built on cloud infrastructure, offer the scalability, flexibility, and efficiency that insurers need to thrive in an increasingly digital and competitive market. These platforms are designed to centralize key functions, such as policy administration, underwriting, claims processing, and billing, into a single, unified system that is easily accessible and adaptable to changing business needs.

雲端技術的出現為保險公司提供了傳統系統的強大替代方案。基於雲端基礎設施建構的核心保險平台提供保險公司在日益數位化和競爭日益激烈的市場中蓬勃發展所需的可擴展性、靈活性和效率。這些平台旨在將保單管理、核保、索賠處理和計費等關鍵功能集中到一個統一的系統中，該系統易於存取並適應不斷變化的業務需求。

Unlike legacy systems, cloud-based core insurance platforms can be deployed quickly and scaled according to demand. Cloud solutions are not confined by the hardware limitations that typically plagued on-premise systems. As a result, P&C insurers can reduce their reliance on outdated infrastructure while taking advantage of the latest advancements in cloud computing.

與遺留系統不同，基於雲端的核心保險平台可以快速部署並根據需求進行擴展。雲端解決方案不受通常困擾本地系統的硬體限制的限制。因此，財產和意外傷害保險公司可以減少對過時基礎設施的依賴，同時利用雲端運算的最新進展。

Key Advantages of Core Insurance Platforms

核心保險平台的主要優勢

One of the most compelling reasons for P&C insurers to transition from legacy systems to cloud-based core insurance platforms is scalability. Cloud technology allows insurers to scale their operations with ease, adding new resources and capabilities as needed without the costly and time-consuming process of upgrading hardware or installing new software. Whether an insurer is expanding into new regions or managing spikes in claims volume due to natural disasters, cloud-based platforms offer the flexibility needed to handle these changes in real-time.

財產和意外傷害保險公司從遺留系統過渡到基於雲端的核心保險平台的最令人信服的原因之一是可擴展性。雲端技術使保險公司能夠輕鬆擴展其運營，根據需要添加新的資源和功能，而無需進行昂貴且耗時的升級硬體或安裝新軟體的過程。無論保險公司是向新地區擴張還是應對自然災害導致的索賠量激增，基於雲端的平台都可以提供即時處理這些變化所需的靈活性。

Additionally, the cloud enables insurers to take advantage of a variety of tools and services that can enhance their operations. For example, insurers can integrate machine learning algorithms to improve underwriting accuracy or incorporate artificial intelligence to automate claims processing. These capabilities are not easily achievable with legacy systems, making core insurance platforms the clear choice for future-focused P&C insurers.

此外，雲端使保險公司能夠利用各種工具和服務來增強其營運。例如，保險公司可以整合機器學習演算法來提高承保準確性或結合人工智慧來自動化索賠處理。這些功能透過遺留系統不容易實現，這使得核心保險平台成為面向未來的財產保險公司的明確選擇。

Legacy systems are notoriously expensive to maintain. Insurance companies often need large, specialized teams to manage outdated software, which translates into higher operational costs. On top of this, insurers must allocate significant resources for infrastructure maintenance, including server management, data backups, and cybersecurity.

眾所周知，遺留系統的維護成本非常昂貴。保險公司通常需要大型專業團隊來管理過時的軟體，這會導致更高的營運成本。除此之外，保險公司必須分配大量資源用於基礎設施維護，包括伺服器管理、資料備份和網路安全。

In contrast, core insurance platforms, particularly those offered via the cloud, operate on a subscription-based model that eliminates the need for costly hardware and IT staff. Cloud providers typically handle software updates, security patches, and other maintenance tasks, further reducing costs. This cost efficiency allows insurers to allocate their resources toward more strategic initiatives, such as improving customer experience or expanding product offerings.

相較之下，核心保險平台，尤其是透過雲端提供的平台，採用基於訂閱的模式運行，無需昂貴的硬體和 IT 人員。雲端供應商通常處理軟體更新、安全性修補程式和其他維護任務，從而進一步降低成本。這種成本效率使保險公司能夠將資源分配給更具策略性的舉措，例如改善客戶體驗或擴大產品範圍。

The power of data is undeniable in today’s insurance landscape. Core insurance platforms enable insurers to leverage large volumes of data in real-time, helping them make informed decisions more quickly. From underwriting to claims management, cloud-based platforms centralize all data into a single system, providing insurers with a 360-degree view of their operations.

在當今的保險領域，數據的力量是不可否認的。核心保險平台使保險公司能夠即時利用大量數據，幫助他們更快地做出明智的決策。從承保到理賠管理，基於雲端的平台將所有資料集中到一個系統中，為保險公司提供 360 度營運視圖。

Real-time access to data also means that insurers can make more informed decisions about risk assessment, pricing, and customer engagement. By utilizing data analytics and machine learning tools, insurers can predict trends, detect fraud, and identify new opportunities for growth. This level of insight simply isn’t possible with legacy systems, which often store data in disparate locations and formats.

即時存取數據也意味著保險公司可以在風險評估、定價和客戶參與方面做出更明智的決策。透過利用數據分析和機器學習工具，保險公司可以預測趨勢、偵測詐欺並發現新的成長機會。對於遺留系統來說，這種程度的洞察力根本不可能實現，因為遺留系統通常將資料儲存在不同的位置和格式。

Customer expectations are evolving, and today’s consumers expect quick, seamless, and personalized experiences. Core insurance platforms, with their cloud-based infrastructure, make it easier for insurers to deliver just that. For example, insurers can provide customers with self-service portals that allow them to manage their policies, file claims, and track their status in real-time, all from their smartphones.

客戶的期望不斷變化，當今的消費者期望快速、無縫和個人化的體驗。核心保險平台及其基於雲端的基礎設施使保險公司能夠更輕鬆地實現這一目標。例如，保險公司可以為客戶提供自助服務門戶，使他們能夠透過智慧型手機管理保單、提交索賠並即時追蹤其狀態。

Additionally, by integrating core insurance platforms with customer relationship management (CRM) systems

此外，透過將核心保險平台與客戶關係管理（CRM）系統集成