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1、Technology towards 2033The future of insurance and supervisionContinue readingOccasional paper2ContentsManagement summary 301 Introduction 51.1 Objective 51.2 Scope and approach 51.3 Readers guide 602 Technological trends 72.1 Data 72.2 Data storage/access 82.3 Data analysis 92.4 Connectivity 102.5

2、Digital security 102.6 Digital skills&legacy 112.7 Conclusion 1103 Impact on the insurance business 123.1 Process optimisation 123.2 New propositions 143.3 Changing roles 173.4 New dependencies 183.5 Other developments in distribution and products 183.6 Conclusion 1904 Impact of EU policies 204.1 Ho

3、rizontal policy developments 204.2 The European Commissions digital and data strategy 224.3 Developments in sectoral policy 224.4 Behavioural supervision in the EU&cross-border issues 224.5 Conclusion 2305 Impact on the AFM 245.1 The role of the AFM in the system 245.2 Public interest,risks and supe

4、rvisory approach 245.3 Conclusion 283Management summaryDigitalisation is undeniably going to have an impact on the insurance sector and its supervision.Insurers are gathering more and more data and applying smarter data analysis techniques,which is also changing their operational management and dist

5、ribution processes,from pricing to claims settlement.This applies to Dutch insurers but also to many European parties that could enter the Dutch market.It is an issue that is generating new questions and challenges in the field of supervision.This report examines the potential influence of a digital

6、ising world over the next decade.We will describe the main technological trends,their impact on insurers and distribution,the influence of European regulations and the consequences of all this for the AFM and policymakers.The main technological trends range from growing data volumes and more powerfu