금융 서비스

EY는 여러분이 리스크를 해결하고 파괴적 혁신을 관리하면서도 가장 중요한 변화와 성장 및 가치에 집중할 수 있도록 도움을 드립니다.

전면적인 규제 변화에도 불구하고 오늘날의 금융 서비스 기관은 디지털 변화와 융합, 새로운 경쟁자의 파괴적 혁신에 초점을 맞추면서 신뢰와 투명성에 대한 고객의 더 높아진 요구사항에도 대응하고 있습니다.

이러한 여러 이슈의 균형을 맞추기 위해 EY는 비즈니스 전략가와 과학 기술자, 산업 리더로 이루어진 EY 글로벌 팀을 구성했습니다. 이 팀은 뱅킹 및 자본 시장, 보험, 자산 관리 부문에 걸쳐 신선한 사고와 부문별 지식을 제공합니다. 그 결과 매끄러운 협업과 혁신적 문제 해결, 획기적 성과 향상, 지속 가능한 가치를 만들고 있습니다.

변혁의 시대에 여러분의 전략을 시작하거나 구체화하기 위해 아래 EY의 금융 산업 인사이트를 확인하십시오.

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글로벌 핀테크 채택 지수

핀테크가 어떻게 전 세계적으로 서비스를 개선하고 확장하여 금융 서비스 산업 전반에 변화를 일으켰는지 살펴보세요.

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Case Study
The better the question. The better the answer. The better the world works.
Case Study

어떻게 블록체인으로 해상 보험의 위험 변동성을 낮출 수 있을까요?

EY와 가드타임은 해상 보험 업계에 블록체인 기술을 적용해 투명성과 효율성을 제고합니다.

Case Study
The better the question. The better the answer. The better the world works.
Case Study

위험이 증감할 때 보험료 조정은 어떻게 해야 할까요?

해상 보험은 디지털 시대를 따라 잡지 못하고 있습니다. 이제는 블록체인 혁신으로 동태적 위험을 관리하고 국제 교역을 촉진할 때입니다.

여전히 17세기의 업무 관행과 사업 모델을 기준으로 운영되고 있는 산업이 몇 가지나 될까요?

오늘날 가용한 현대 기술이 풍부함에도 불구하고 국제 무역 환경에 있어 핵심 요소인 해상 보험은 여전히 종이 문서, 이메일, 기상 관측, 수많은 추측과 짐작에만 의존하고 있습니다. .

EY와 가드타임은 해상 보험 업계의 새 시대를 열고 국제 무역의 위험과 마찰을 줄이며 이를 통해 세계 경제 성장을 촉진할 수 있도록 마이크로소프트 및 업계 핵심 주자들과 협업하고 있습니다.

위험 사업

해상 보험은 보험사가 감수하는 동태적 위험이 그 대표적 특징입니다.

 

"보험사, 브로커, 운송 회사, 선장 간에 수많은 문서 계약이 필요한 데 이 중 상당 부분은 선박이 벨기에를 출발해 시드니에 도착할 때까지도 제 때 준비되지 않을 때가 많습니다." EY 글로벌 산업부문 부회장, 션 크로포트(Shaun Crawford)가 말합니다. "전 과정이 경험과 과거 이력에 의존해 진행됩니다. 선박이 A지점에서 B 지점으로 이동하는 동안 리스크 수준이 크게 변동할 수 있습니다. 선박 훼손, 전쟁 지역 진입, 신호기 또는 선장을 바꾸는 일이 일어날 수 있습니다.”

 

이 모든 다양한 상황에서 기록에 대한 업데이트 위해 모든 관련 당사자가 하나의 보험 증권과 연계되어 있어야 합니다. 그 많은 서류들이 여기저기 흩어져 있을 때에는 프로세스가 늦춰지고 오류 및 부정행위의 가능성이 발생합니다. 오류 및 부정확한 정보는 가치 사슬 전 단계에 걸쳐 있는 이해당사자들에게 추가 비용을 발생시킵니다.

 

업계의 발전 속도에 발맞춰 해상 보험도 디지털화, 자동화, 투명성 제고를 통한 현대화가 필요합니다.

“보험사의 입장에서 볼 때 이들은 감수하는 위험과 관련한 모든 근거 자료를 입수하지 못하고 있습니다. 그 결과 장부상에 상당 금액의 자본을 최악의 상황, 즉 선박이 침몰하는 경우에 대비해 충당해둡니다.­­"라고 크로포드는 말합니다.

해변의 컨테이너 선박
Case Study
The better the question. The better the answer. The better the world works.
Case Study

공해상의 블록체인

새로운 블록체인 기반 플랫폼이 모든 이해 당사자들의 요구사항을 충족하기 위해 보험 프로세스를 자동화하고 있습니다.

EY and Guardtime, an enterprise blockchain company, collaborated with Microsoft’s Azure Blockchain team to develop a groundbreaking blockchain-enabled platform that can meet the needs of all the different parties involved in a marine insurance contract.

The platform digitizes the rules between buyers and sellers. “We’re automating the entire process by using smart contracts to minimize paperwork,” says Crawford. “Insurance companies can immediately update information online or see where a ship is anywhere in the world at any point in time, or how it’s changed.”

In an industry with so many stakeholders, collaboration is key. The platform is being developed in consultation with the world’s largest shipping company Maersk; a major international broker; ACORD (insurance industry standards body); as well as multiple specialty insurance firms.

Working directly with the end clients and parties throughout the supply chain, EY, Guardtime and Microsoft were able to gain the insights needed to not only develop a 20-week proof of concept trial, but to calibrate the real-world platform on Azure that the parties had developed so it has the potential to transform insurance beyond just the seas.

The strengths of blockchain

Blockchain and distributed ledgers’ strengths lie in their core ability to connect every party involved and make a collective database completely transparent and visible to all. It offers a solution that could be applied across the entire insurance industry, beyond the specifics of marine insurance.

The visibility of near real-time data, connected directly to smart contracts also improves decision-making, security and transparency, with third parties such as regulators or auditors also able to view the database.

“This more exact information means less liquid capital on paper and allows brokers who spend most of their time doing costly administration to be free to work on value-added services,” says Crawford.

But successfully integrating blockchain technology to its full potential across the industry is hugely complex. Multiple jurisdictions and regulators are an inherent part of marine insurance and make it challenging to implement widespread change across the entire ecosystem.

To successfully drive the industry toward this digital solution, EY worked directly with the insurers’ end client, in this case Maersk.

“If we only worked with insurance companies and brokers, nothing would have happened,” says Crawford. “But for a shipping company that spends hundreds of millions on insurance each year, a blockchain solution offers the opportunity for tighter premiums and better claims processes. There’s a much clearer value for them. We’re going to the end client to transform an entire industry process.”

Beyond a proof of concept

After the conclusion of the 20-week proof of concept, EY and tech collaborator Guardtime established a joint venture, working closely with Microsoft, with the aim of servicing clients with the resulting product. Getting to this end result was a learning process for EY and its collaborators.

“Our blockchain platform has been specifically tailored to the business issues facing clients,” says Crawford. “Through workshops with clients we gained a deep understanding of the practical needs of the community who wish to benefit from the platform and we were able to deploy that understanding so that the solution is practical and intuitively fit for purpose. This was a major learning step for us, but at the end of the day what we built was for the clients.”

Developing the platform required a globally connected effort:

  • Guardtime's teams were based in Estonia, the UK, Netherlands, and the US and the nature of the shipping industry required coordination across EY teams on both global and local levels.
  • EY has teams working directly with end users, insurers and reinsurers in Europe, the US and Japan.
  • EY tech production teams based in India and Poland are working closely with Microsoft to coordinate the platform’s implementation within client environments.
공해상의 컨테이너 선박
Case Study
The better the question. The better the answer. The better the world works.
Case Study

블록체인 기술을 도입해 해양 보험의 한계를 극복

블록체인을 이용하는 새로운 플랫폼은 글로벌 무역의 가치 사슬 전반에서 모든 이해관계자 사이의 신뢰를 창출함으로써 기존 해양 보험을 혁신할 것입니다. 그리고 새로운 플랫폼은 신뢰와 투명성이 중요한 모든 산업에 적용해 혁신을 촉진할 수 있는 잠재력을 가지고 있습니다.

The service that resulted from the proof of concept has added significant value for businesses throughout the value chain of marine shipping. Maersk, the end client for insurance services, will benefit directly from more accurate premiums and faster claims processing. Insurers and reinsurers see the accuracy and quality of their data dramatically improved, with automation vastly reducing time-consuming administration.

This frees up employees to develop value-added services and push forward innovative solutions for clients and their own business. The visibility and transparency created by the blockchain-enabled platform generates a greater level of trust between all companies in the value chain, opening the door to more collaboration and innovation.

Beyond the insurance world, there’s no doubt blockchain is rapidly entering the mainstream, with other types of financial institutions around the world beginning to implement services based on the technology. However, understanding of blockchain and its potential is still a major barrier to greater implementation in businesses.

Until recently, the technology was perhaps most-often associated with bitcoin and other digital currencies, but for the insurance industry it’s the flow and visibility of data that makes distributed ledgers and blockchain technology so potentially revolutionary.

Introducing a hugely disruptive technology to any long-established industry with existing databases and relationships will inevitably be challenging. This is why collaborations with Maersk, who are actively looking to drive innovation and identify digital transformation opportunities in their industry, proved so crucial in bringing the platform to fruition.

“We’re disturbing the status quo culturally and all the existing processes that make up that culture,” says Crawford. “Why would the industry want to change and be the first movers? The industry won’t move unless you bring the client to the table.”

The potential of this platform goes beyond specialty insurance and sets a precedent and method for companies and sectors to converge and fuel the next wave of innovation.

“This is not just about insurance,” says Crawford. “It’s about connecting sectors together with convergence around new ecosystems. We’re leveraging shipping data to allow insurers  and brokers to create new products and service propositions. What we’re doing with shipping now, we see growing into other sectors.”

The ability of blockchain to create a digital record of a real-world objects lends itself to any sector where there is a supply chain of physical goods – from automotive to aircraft manufacturers to diamonds.

“Businesses should think about a completely new value chain,” explains Crawford. “This is not automating or digitizing an existing system; this is about connecting people, sectors and different industries, and helping them to find ways to disrupt the current model for the benefit of all.”

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