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1、Insurance PracticeInsurer of the future:Are Asian insurers keeping up with AI advances?AIs potential for competitive advantages remains largely unrealized in the Asian insurance industry.There is a framework for success:invest in AI not discretely but across the value chain.May 2023 zf L/Getty Image

2、sby Violet Chung,Pranav Jain,and Karthi PurushothamanAs the insurance industry undergoes a seismic,tech-driven shift,1 AI continues to push the evolution of how insurers make significant service and operational gains.Indeed,McKinsey estimates that AI technologies could add up to$1.1 trillion in annu

3、al value for the global insurance industry:approximately$400 billion could come from pricing,underwriting,and promotion technology upgrades and$300 billion from AI-powered customer service and personalized offerings.2While most large insurers are on the path to AI-enabled personalization at scale,3

4、the industry remains at an early stage of transformational AI adoption.For most Asian insurance leaders,traditional organizational structures with multiple intermediaries and limited in-house tech and data resources make it difficult to visualize,let alone quantify,the potential benefits of investin

5、g more broadly in AI.This matters because cross-functional investment in AI can be game-changingand it will increasingly become a source of competitive advantage.AI adoption has more than doubled in the past five years,and investment in AI is increasing across industries.Among 1,492 respondents to a

6、 December 2022 McKinsey Global Institute survey,those who reported the most significant gains from AI adoption 20 percent or more EBITtend to employ advanced AI practices,use cloud technologies,and spend efficiently on AI,and they are more likely than others to engage in a range of AI risk mitigatio