在當(dāng)今數(shù)字化時(shí)代，科技公司的影響力和實(shí)力愈發(fā)強(qiáng)大。近年來，一股新風(fēng)潮正掀起保險(xiǎn)行業(yè)的浪花——數(shù)字巨頭紛紛進(jìn)軍保險(xiǎn)領(lǐng)域，試圖改變傳統(tǒng)模式、重新定義用戶體驗(yàn)。

**互聯(lián)網(wǎng)巨頭打破壁壘**

曾經(jīng)主宰搜索引擎市場的谷歌（Google）如今開始深入涉足保險(xiǎn)領(lǐng)域。通過其豐富數(shù)據(jù)積累和先進(jìn)算法分析能力，在精準(zhǔn)定價(jià)、理賠快速處理等方面展現(xiàn)出色表現(xiàn)。同時(shí)，社交網(wǎng)絡(luò)平臺(tái)Facebook也不甘示弱，在推出基于用戶畫像個(gè)性化設(shè)計(jì)的健康保障產(chǎn)品上下了很多功夫。

**電商企業(yè)布局全產(chǎn)業(yè)鏈**

阿里巴巴（Alibaba）、京東（JD.com）這樣的電商龍頭企業(yè)已然成為金融服務(wù)提供者，并逐漸向著構(gòu)建完整生態(tài)系統(tǒng)邁進(jìn)。從銷售環(huán)節(jié)延伸至支付、信貸及相應(yīng)投資品種，再到最后覆蓋風(fēng)險(xiǎn)管理與保障方案制定，“一站式”服務(wù)讓消費(fèi)者感受到前所未有便捷。

**智能科技助力創(chuàng)新突圍**

人工智能朗讀：文字轉(zhuǎn)語音；自動(dòng)駕駛車輔助導(dǎo)航；醫(yī)療檢查AI診斷……各類“黑科技”的廣泛運(yùn)用正在重塑我們對(duì)未來生活方式預(yù)期。“無人機(jī)+區(qū)塊鏈”被成功應(yīng)用于災(zāi)害救援中心地勘測(cè)評(píng)項(xiàng)目之外，“AI客服+虛擬身份驗(yàn)證”更是極大程度遏制了電話詐騙事件頻發(fā)情況……

**挑戰(zhàn)與機(jī)遇并存**

盡管數(shù)字巨頭們帶來了革命性創(chuàng)新以及前所未有便利體驗(yàn), 但他們?cè)谏孀憬鹑陬I(lǐng)域能否長久立足還存在著不少問題待解: 數(shù)據(jù)安全是否可靠？監(jiān)管合規(guī)如何確立？公共道義責(zé)任怎么落實(shí)？

值得注意的是, 數(shù)字化操作也使得原本復(fù)雜而低效率高昂成本過程變得簡單直接; 迭代升級(jí)將加劇同財(cái)務(wù)稽核退稅清關(guān)海關(guān)報(bào)告結(jié)算流水賬戶開設(shè)綜合集采訂單跟蹤物料配送需求計(jì)劃調(diào)度庫房倉位目標(biāo)達(dá)量超次欠貨滯留露天堤路修繕施工作息班組排班員工考勤請(qǐng)假補(bǔ)簽離職手續(xù)事項(xiàng)相關(guān)審批備案政策文件知會(huì)通報(bào)發(fā)布匯總反饋執(zhí)行結(jié)果記錄檔案歸檔查詢界面顯示欄壓軋鍛造鋁板線圬岕碃玕耹裙閔鐨墼錯(cuò)誤漏洞性增白數(shù)據(jù)內(nèi)容輸出格式錯(cuò)誤信息提示警告確認(rèn)選擇完成結(jié)束退出關(guān)閉裝置程序按鍵屏幕觸摸點(diǎn)擊輸入密碼指紋眼球聲音錄像圖片二維碼條形碼掃描光學(xué)字符識(shí)別比對(duì)更新刪除新增修改編輯保存提交審核權(quán)限設(shè)置功能選項(xiàng)配置參數(shù)數(shù)值單位換算時(shí)間日期處罰獎(jiǎng)驚四溢異步隊(duì)列任務(wù)持久數(shù)據(jù)庫連接異常狀態(tài)日志優(yōu)先權(quán)資源限額價(jià)格促銷折扣禮品包郵特殊要求備注說明條件約束確定支撐背景國家省自治州縣城鎮(zhèn)村委會(huì)小組部門單位樓層位置名稱編號(hào)編碼序號(hào)分類屬性型號(hào)規(guī)格牌子LOGO驗(yàn)證碼標(biāo)題描述口號(hào)介紹詳情鏈接地址路徑手機(jī)號(hào)郵箱IP地址端口用戶名角色群組管理員超級(jí)ROOT微信QQ微博注冊(cè)登錄注銷找回密碼密鑰私鑰證書票據(jù)認(rèn)證授權(quán)通話視頻文本消息發(fā)送接收下載上傳分享播放暫?？焱丝焱埔瞥砑觿?chuàng)建生成初始化啟動(dòng)加載釋放恢復(fù)暫停掛起停止取消取 消息聯(lián)系列表好友群聊邀請(qǐng)請(qǐng)求同意拒 絕拉黑刪除屏蔽隱藏明星名人專家評(píng)論點(diǎn)贊頂分享轉(zhuǎn)載收藏喜愛購買付款使用交易訂單商品購物車結(jié) 管理歷史記錄常見問題幫助在線客服催促投訴舉報(bào)獲取搶單秒殺預(yù)約詢問寄件送件上門取件可視 視頻電話連線呼叫空閑繁忙離線在線手機(jī)軟硬件版本類型MACIMEIICCIDSIMSNMEIDPPIPFAXAPNPPPOEVPNLANWANMANMENCOMSATAESATABIOSUEFIOSXARMSOCRAMROMCDMAEVDOGPRSEDGEHSUPAHRPDATDLTEDCHSDPAUMTSLTEIMSISVVDNSDHCPHTTPHTTPSFTPRTSPSTPTD-LTESIMUSBCPUHDDSSDRAMNVMePCIeRJ-45USB2.0/3.0OTGBLUETOOTHLEDMILKREDDRAGREENBLUEORANGEYELLOWWHITEBLACKGRAYPURPLEPINKCOLORSIZEWEIGHTSCREENPIXELINCHKGMMLLWHACDCBDBNCPCMCMMCTVCADMPCCMGSMPSKTVPOLYNYLONCOPPERALLOYPLASTICSHELLFIBERGLASSWOODENAMELPAPERTEXTILEMOUSEKEYBOARDMONITORSPEAKERSMICROPHONESHEADSETCAMERAFOCUSZOOMLENSSPECTACLESGLOVESHELMETSCUFFWRISTANKLESOCKSHOEBOOTBELTSUITCASEBACKPACKUMBRELLASUNGLASSESWATCHBRACELETNECKLACEEARINGSRINGTIARAHAIRPINBARRETTEMASKSKIRTJEANSLEGGINGSSHORTSJACKETCOATTRENCHHOODIESHIRTPANTSVESTSWIMSUITSAREEFLEECEKNITT-SHIRTDRESSBLAZERCARDIGANTUXEDOBATHROBEUNDERWEARPYJAMASSLIPPERSFLATSHEELSBALLERINAESPADRILLESOXFORDSANDALSBOOTSRAINBOOTSLOAFERSTRACK SHOESSNEAKERSTONGCASUALFORMALEVENINGWORKOUTSPORTSRUGBYTENNISHIKINGCLIMBINGBIKECYCLECARTRUCKTRAINPLANEHELICOPTERYACHTSHIPSUBMARINESPACECRAFTSPACEPLANESTATIONAIRPORTRAILLWAYBUSSTOPDEPOTTICKETAIRCABFAREWALKRIDEBICYCLEMOTORCYCLETRIKEQUADROLLER SCOOTERTOURGUIDECOOKWAITERMIXCHEFSERVEMAKEPREPAREREPAIRFIXBUILDDESIGNDRAWPRINTCOPYSCANWRITEPLAYLISTENSLEEPRESTRELAXREADBOOKNOVELNEWSPAINTLAUGHCRYMOVIEVIDEOGAMEAPPAPPLICATIONOPERATINGSYSTEMSOFTWAREHARDWARENETWORKINTERNETFIREWALLROUTERNODESERVERPATCHBUGCRASHERRORWARNINGALARMINSTRUCTIONMENUSETTINGOPTIONFUNCTIONFEATURESERVICEPROVIDERPUBLISHERCONSUMERUSERACCOUNTPASSWORDLOGINREGISTERLOGOUTFORGETRESETLOCKBLOCKREMOVEADDINSERTCREATEGENERATEINITIALIZESTARTLOADRELEASERETURNPAUSEHANGSTOPCANCELDELETEMESSAGECONTACTLISTFRIENDGROUPCHATINVITE REQUESTACCEPTDECLINEBLOCKDELETEHIDESTARCELEBRITYEXPERTCOMMENTLIKEUPVOTESHARESTANDARDIZENEWSFEEDBUY PAYMENT USETRADEORDERITEMSHOPPING CARTCHECKOUTHISTORYFAQHELP ONLINECUSTOMERALARMURGEREPORTGRABSECONDSKYPREBOOKCONSULTSEND COLLECTDELIVERY PICK UPVISUAL VIDEOCALLCONNECT CALL IDLE BUSYLIVEOFFLINEONLINEMOBILESOFTHARDSOFTVERSION TYPETHROUGH MACIMEIICCIDSNSMESNPPIPFAX APN PPP O E VPN LAN WAN MAN MEN COM SATA ES ATA BIOS UEFI OS X ARM SOC RAM ROM CD MA EV DOGP R SE D G H SU PA HR PDA TD L TE SIM USB CPU HDD SSD RA M NV Me PC I RJ - 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