罗兰贝格：2023亚太地区银行保险十字路口已经到来白皮书（英文版）（16页）.pdf

1、Crossroads of bancassurance in Asia PacificSHAPING FORCES,AND HOW PARTNERSHIPS SHOULD RESPOND FOR THE NEW07.2023 HONG KONG/CHINA2|Crossroads of bancassurance in Asia PacificIn the post-covid world,bancassurance remains one of the most significant channels of insurance distribution in Asia,offering a

2、 proven go-to-market approach.With even the most frontier markets opening up,emergence of wealth and middle class in Asia,pertinent protection gaps,and high savings,a few structural shifts are foreseen for bancassurance partnerships:-Regionally:Economic and demographic shifts changing growth traject

3、ories and products:Asia is a place where the most penetrated,aged markets and the most nascent,emerging markets co-exist,and therefore careful segmentation and crafting of Intra-Asia differences should be appreciated at a strategic planning level.Another facet of the regional shift is the flow of we

4、alth for high net-worth individuals(HNWIs)in seeking arrangements which are fit-for-purpose,such as forex-denominated policies and offshore arrangements.Existing insurance hubs should benefit,meanwhile offering additional pockets of value for new bancassurance partnerships serving the segment.Intra-

5、market:Economic development gap between the key hubs and rest of market:Bancassurance partners should also be fully aware of the intra-market economic prowess and income may vary significantly within markets,and as the partnerships further expand from the hub,the products may need to be adjusted to

6、fit for a lower income,more SME mix of clienteles.-On individuals:Trust-based digital adoption:The COVID-19 pandemic has left us a more digital customer base yet trust is still,and always will be,the ground for any insurance.Executive SummaryLower sum,standardized P&C are mostly distributed online;l