OneDegree去年賺七位數 首間虛擬保險賺錢 (16:19) – 20260119 – 即時財經新聞

周美華指他們不通過經紀銷售,客戶續保時公司不需再付額外佣金,若能保持高續保率,成本便可受惠於規模效應,去年所有產品平均續保率保持在90%。她認為寵物保險續有增長空間,而家居和火險滲透率亦續可提升,雖然網上購買財產保險已開始普及,不過家居保險、火險仍有不少人選擇依靠代理投保,未來期望續以科技化流程和人性化體驗,帶動虛保變成主流。她展望公司獲利可以持續,目標未來5年收入增長兩倍。

在產品上,她指該行以藍海市場(即未被充分開發市場)產品為核心,發展新產品需看機遇,除非有夥伴合作能提供競爭優勢,否則醫療保險、旅遊保險等不會是重心項目。另一方面,該行在3年前開始數字資產保險業務,現時在本港市場的市佔有7成,去年開拓中東市場,保費收入整體上升1.5倍。

OneDegree現時員工為92人,周美華指相對2020年開業時其收入上升38倍,不過員工人數維持在100人水平,相對傳統保險公司員工較多為銷售代理和行政工作,該行則25%與科技相關,改善客戶數碼體驗、自動化,減少人手流程,現時該行有40%理賠個案以全自動審批,人手審批多涉及需要客戶補交文件。至於會否因為應用AI裁減人手,周美華則指他們沒有裁員,因為應用AI後亦需人手檢查是否有出錯,該行及後會在數據分析、客戶服務監察方面增加人手,預期整體員工數目仍不會超過100人。

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彭博社:中鋁集團支持力拓併購嘉能可

PAObank:「港口社區系統」實現物流數據互聯互通

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聖貝拉伙雲迹科技研AI及機器人技術於家庭護理場景應用

BCT旗下MPF基金推「回水」活動 投資目標不達標退投資管理費

鄭家純:周大福企業追求雙贏交易 對新世界發展債務困局未置評

AFF下周一開幕將有來自近60國3,600參與者參加

巴菲特談投資之道:現金非優質資產

半日沽空金額增0.3% 恒生中國企業增63%

港股連跌3日 恒指半日跌266點 北水流入29億元

中國太平發盈喜 料去年多賺逾兩倍

內地人口連跌四年 去年出生率76年最低

匯豐料今年內地GDP增長放緩至4.6% 對港股持積極態度

港元拆息普遍向下 1個月HIBOR連跌2日

貿易通:貢獻專業知識參與金管局CargoX 建議報告

中銀香港對Cargox項目建議報告表示歡迎 支持港數碼貿易生態圈發展

摩通料中國股票漲勢有望延續到農曆新年

優必選獲空巴訂購人形機器人 曾升逾7%

內地去年GDP增5% 第四季增4.5% 符預期 消費、固投遜預期 工業勝預期

匯豐:歡迎金管局《CargoX項目建議報告》

內地12月新建商品住宅均價按月跌幅收窄至0.37%

 



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