1 00:00:32,048 --> 00:00:39,116 before we let the computer startup again 2 00:00:35,045 --> 00:00:42,128 please allow me to conduct a real-time 3 00:00:40,016 --> 00:00:46,019 very quick market research by kindly 4 00:00:43,028 --> 00:00:49,067 raising your hand if you are social 5 00:00:46,046 --> 00:00:51,104 media users which means if you use like 6 00:00:49,067 --> 00:00:54,083 linkedin or facebook or anything like 7 00:00:52,004 --> 00:00:58,067 that so please do it 8 00:00:54,083 --> 00:00:59,180 ok I guess we are around 90 plus percent 9 00:00:58,067 --> 00:01:01,142 of the participants in this room 10 00:01:00,008 --> 00:01:06,044 thank you thank you very much that was 11 00:01:02,042 --> 00:01:09,107 very very good we come back to it as of 12 00:01:07,016 --> 00:01:12,071 today we have all more prudently maybe 13 00:01:10,007 --> 00:01:19,106 as of last night in the engine tech 14 00:01:12,071 --> 00:01:22,142 space we had the 970 for startups spread 15 00:01:20,006 --> 00:01:28,055 across a well-articulated and complex 16 00:01:23,042 --> 00:01:29,135 environment that's why the first 17 00:01:28,055 --> 00:01:33,116 question that we asked the participants 18 00:01:30,035 --> 00:01:38,554 to the survey was what is the most 19 00:01:34,016 --> 00:01:43,103 relevant area of the issue tech and the 20 00:01:38,869 --> 00:01:46,894 areas that we proposed where the 21 00:01:44,003 --> 00:01:49,022 following need awareness which include 22 00:01:47,119 --> 00:01:51,133 activities that generate awareness in 23 00:01:49,022 --> 00:01:54,047 the client regarding the need to be 24 00:01:51,259 --> 00:01:56,840 short choice which is about insurance 25 00:01:54,047 --> 00:01:59,116 value proposition which in turn is 26 00:01:56,084 --> 00:02:01,133 divided into two main groups the 27 00:01:59,539 --> 00:02:07,597 aggregators who are characterized 28 00:02:02,033 --> 00:02:10,067 characterized by the comparison of a 29 00:02:08,119 --> 00:02:12,500 large number of different solutions and 30 00:02:10,067 --> 00:02:13,166 the writers who are innovating the way 31 00:02:12,005 --> 00:02:17,021 to construct the offer for this specific 32 00:02:14,066 --> 00:02:19,067 client the purchase which focusing on in 33 00:02:17,066 --> 00:02:22,067 innovative ways of selling including 34 00:02:19,076 --> 00:02:23,665 collection of premiums use of insurance 35 00:02:22,076 --> 00:02:25,154 product which involved regardless 36 00:02:24,349 --> 00:02:28,220 thinking steps of the insurance value 37 00:02:26,054 --> 00:02:32,108 change the policy handling the service 38 00:02:28,022 --> 00:02:34,103 delivery and claims management and that 39 00:02:33,008 --> 00:02:37,025 was a question he 40 00:02:35,003 --> 00:02:38,012 and they're connected insurance Internet 41 00:02:37,025 --> 00:02:40,103 of Things which is the transversal 42 00:02:38,093 --> 00:02:42,098 category including all hardware and 43 00:02:41,003 --> 00:02:46,028 software solutions that allow the use of 44 00:02:42,098 --> 00:02:48,110 sensors to collect data on the state of 45 00:02:46,028 --> 00:02:51,050 an insurer risks telematics for its 46 00:02:49,001 --> 00:02:54,044 mission and data utilization across the 47 00:02:51,005 --> 00:02:56,093 insurance value chain and last 48 00:02:54,053 --> 00:02:58,732 peer-to-peer which includes all emerging 49 00:02:57,038 --> 00:03:01,040 initiatives that have started to bring 50 00:02:59,209 --> 00:03:04,670 the peer-to-peer logic to the insurance 51 00:03:01,058 --> 00:03:07,079 environment in a way similar to the all 52 00:03:04,067 --> 00:03:10,163 the mutual insurance so according to 53 00:03:07,079 --> 00:03:13,133 respondents the most relevant area of 54 00:03:11,063 --> 00:03:16,097 ensure tech is connected insurance 55 00:03:14,033 --> 00:03:18,119 this is not really surprising according 56 00:03:16,097 --> 00:03:21,101 to preliminary release which always die 57 00:03:19,019 --> 00:03:23,788 the jointly developed by ventures can 58 00:03:22,037 --> 00:03:26,039 that together with the connected 59 00:03:23,959 --> 00:03:30,050 insurance of celebratory connected 60 00:03:26,039 --> 00:03:33,080 insurance initiatives represent thirty 61 00:03:30,005 --> 00:03:37,028 percent of startups but have gathered an 62 00:03:33,008 --> 00:03:41,021 astonishing eighty percent of ensure 63 00:03:37,028 --> 00:03:43,100 that finding online purchase continues 64 00:03:41,093 --> 00:03:45,107 to be demons very relevant although such 65 00:03:44,000 --> 00:03:48,047 promise is everything but new and has 66 00:03:46,007 --> 00:03:52,019 yet to materialize such great 67 00:03:48,047 --> 00:03:54,131 expectations what we found a 68 00:03:52,019 --> 00:03:58,043 thought-provoking is the fact that need 69 00:03:55,031 --> 00:04:01,082 awareness is an area which creates great 70 00:03:58,043 --> 00:04:03,119 interest but still attract very few 71 00:04:01,082 --> 00:04:05,120 startups this could be a great 72 00:04:04,019 --> 00:04:08,075 opportunity what I don't really have any 73 00:04:06,002 --> 00:04:10,049 significant inside and therefore i hope 74 00:04:08,075 --> 00:04:14,150 to hear opinions and ideas in the next 75 00:04:10,067 --> 00:04:17,566 two days you do it's relevant to move 76 00:04:15,005 --> 00:04:19,984 for what we are focusing on connected 77 00:04:18,169 --> 00:04:22,550 insurance answer the next question we 78 00:04:20,479 --> 00:04:25,940 asked the participants of the survey was 79 00:04:22,055 --> 00:04:28,121 what are the most important benefits of 80 00:04:25,094 --> 00:04:31,133 connected insurance and a bit of rain 81 00:04:29,021 --> 00:04:33,080 working here as well so the proposed and 82 00:04:32,033 --> 00:04:36,035 says where the following sorry 83 00:04:33,008 --> 00:04:39,014 selections telematics can be used to 84 00:04:36,053 --> 00:04:42,131 select risks at an underwriting stage in 85 00:04:39,086 --> 00:04:45,158 fact risk subject to study motoring go 86 00:04:43,031 --> 00:04:48,074 to telematics in directly discourage the 87 00:04:46,058 --> 00:04:51,071 purchase from risqué clients 88 00:04:48,074 --> 00:04:54,131 hence limiting adverse selection and 89 00:04:51,071 --> 00:04:57,077 fraudulent intense research base pricing 90 00:04:55,031 --> 00:05:00,047 as for telematics a constant monitoring 91 00:04:57,077 --> 00:05:02,566 of the quantity and level of risk 92 00:05:00,047 --> 00:05:07,055 position has become possible with the 93 00:05:03,259 --> 00:05:10,312 direct impact on pricing applied to the 94 00:05:07,055 --> 00:05:11,141 single customers value added services 95 00:05:10,789 --> 00:05:14,930 which consists in the proposition of 96 00:05:12,041 --> 00:05:17,072 clients of policy related services based 97 00:05:14,093 --> 00:05:20,422 on automatic data for instance the use 98 00:05:17,072 --> 00:05:23,551 of car anti-theft systems to install 99 00:05:21,259 --> 00:05:27,080 black box of the provision of emergency 100 00:05:24,199 --> 00:05:31,243 services with automatically detection 101 00:05:27,008 --> 00:05:34,055 for home or health insurance lost 102 00:05:31,639 --> 00:05:36,685 control and telematics allow the use of 103 00:05:34,055 --> 00:05:39,574 that are detected by sensors to make the 104 00:05:37,099 --> 00:05:43,580 claim management process faster and more 105 00:05:40,069 --> 00:05:46,340 efficient by optimizing claim evaluation 106 00:05:43,058 --> 00:05:48,077 improving fraud the tension and 107 00:05:46,034 --> 00:05:51,131 disposing of more information during 108 00:05:48,077 --> 00:05:53,108 eventual in court processes and last 109 00:05:52,031 --> 00:05:56,380 behavioral stealing loyalty system 110 00:05:54,008 --> 00:05:59,587 behavior programs and approaches that 111 00:05:56,659 --> 00:06:02,707 explore information gather on customers 112 00:05:59,659 --> 00:06:05,659 behaviour to notch clients towards less 113 00:06:03,139 --> 00:06:08,990 risky solutions to resent it was system 114 00:06:05,659 --> 00:06:11,270 that in sync devices safe behaviors can 115 00:06:08,099 --> 00:06:13,196 be provided and include a broader 116 00:06:11,027 --> 00:06:17,176 spectrum of behaviour besides those 117 00:06:14,096 --> 00:06:20,425 recognized by telematics so this is the 118 00:06:17,419 --> 00:06:21,472 feedback from the respondents and I have 119 00:06:21,289 --> 00:06:25,460 to want me 120 00:06:21,949 --> 00:06:27,043 we found it a bit surprising in fact 121 00:06:25,046 --> 00:06:29,995 although the potential of risk-based 122 00:06:27,889 --> 00:06:32,941 pricing is synonymous with the I mean we 123 00:06:30,409 --> 00:06:35,780 all know the the news and and metra my 124 00:06:33,409 --> 00:06:38,416 from us that was just completed 200 125 00:06:35,078 --> 00:06:40,163 million round of financing to pursue 126 00:06:38,479 --> 00:06:45,380 vertical backward integration which is 127 00:06:41,063 --> 00:06:47,632 by an insurer right reaping the benefits 128 00:06:45,038 --> 00:06:52,040 of risk-based pricing is everything but 129 00:06:48,199 --> 00:06:54,830 obvious the same applies the behavior 130 00:06:52,004 --> 00:06:56,893 steering loyalty systems where despite 131 00:06:54,083 --> 00:06:59,108 the great visibility of behavioral 132 00:06:57,289 --> 00:07:01,790 stealing programs the capacity to 133 00:07:00,008 --> 00:07:03,089 significantly 134 00:07:01,079 --> 00:07:05,087 impact insurance bottom lying in the 135 00:07:03,089 --> 00:07:09,122 long term in still to be demonstrated 136 00:07:06,059 --> 00:07:11,153 and most initiatives after the hype of 137 00:07:10,022 --> 00:07:15,044 programs include wearable device that 138 00:07:12,053 --> 00:07:18,134 struggle to maintain traction and 139 00:07:15,044 --> 00:07:22,061 stickiness by customers on the contrary 140 00:07:19,034 --> 00:07:27,038 re-selection and lost control seem to be 141 00:07:22,061 --> 00:07:29,066 in a humble opinion underestimated in 142 00:07:27,038 --> 00:07:33,047 Italy where the penetration of car 143 00:07:29,066 --> 00:07:36,074 insurance is sixteen percent with 4.8 144 00:07:33,047 --> 00:07:38,123 million policies with the value 145 00:07:36,074 --> 00:07:46,118 proposition which includes telematics 146 00:07:39,023 --> 00:07:50,114 they they show this kind of policies 147 00:07:47,018 --> 00:07:56,036 show a twenty percent lower risk 148 00:07:51,014 --> 00:07:58,046 adjusted claim frequency claim 149 00:07:56,036 --> 00:08:00,044 management course is also significantly 150 00:07:58,046 --> 00:08:02,129 lower when the policy as a value 151 00:08:00,044 --> 00:08:05,120 proposition link to telematics in fact 152 00:08:03,029 --> 00:08:08,075 preliminary in forum analysis conducted 153 00:08:06,002 --> 00:08:11,024 by Aniyah the association of Italian 154 00:08:08,075 --> 00:08:13,139 insurers on blackboard data show that 155 00:08:11,042 --> 00:08:18,086 the insurances can send twice the number 156 00:08:14,039 --> 00:08:20,138 of vehicles to affiliated car shops and 157 00:08:18,086 --> 00:08:25,088 significantly reducing the average cost 158 00:08:21,038 --> 00:08:28,100 per claim the next question we asked was 159 00:08:26,006 --> 00:08:32,024 what is the permittivity stage of 160 00:08:29,000 --> 00:08:35,018 connected insurance and these are the 161 00:08:32,024 --> 00:08:38,027 results that explain why coming here to 162 00:08:35,018 --> 00:08:42,065 this conference was a good investment as 163 00:08:38,054 --> 00:08:44,147 only two percent of respondents believed 164 00:08:42,065 --> 00:08:47,093 connected insurances effect that will 165 00:08:45,047 --> 00:08:52,061 never produce irrelevant and 166 00:08:47,093 --> 00:08:54,140 long-lasting impact and only twelve 167 00:08:52,061 --> 00:09:02,099 percent believe it is not clear the 168 00:08:55,004 --> 00:09:05,012 possible impact and its extent 7% up and 169 00:09:02,099 --> 00:09:07,103 said that connected insurance has 170 00:09:05,048 --> 00:09:09,143 already had a significant impact over 171 00:09:08,003 --> 00:09:13,031 the insurance sector which makes me 172 00:09:10,043 --> 00:09:14,081 wonder if they are fairly Italians as 173 00:09:13,031 --> 00:09:17,500 eataly my 174 00:09:14,081 --> 00:09:19,136 knowledge is currently the only market 175 00:09:17,779 --> 00:09:23,450 with the mainstream penetration of 176 00:09:20,036 --> 00:09:26,120 telematics and uniport the market leader 177 00:09:23,045 --> 00:09:30,101 with over the five percent of its 178 00:09:27,002 --> 00:09:34,007 portfolio being policy that include the 179 00:09:31,001 --> 00:09:36,520 telematics component we have then the 180 00:09:34,007 --> 00:09:38,024 two groups of optimists which are 181 00:09:36,529 --> 00:09:41,390 divided into hops the ones that we've 182 00:09:38,087 --> 00:09:42,143 been very optimist as they believe that 183 00:09:41,039 --> 00:09:44,048 the next 12 to 18 months will be 184 00:09:43,043 --> 00:09:46,642 sufficient it would be the inflection 185 00:09:45,029 --> 00:09:49,097 point in the adoption of connected 186 00:09:47,029 --> 00:09:53,720 insurance and actually have you is that 187 00:09:49,097 --> 00:09:55,106 giving the yearly cycle of the insurance 188 00:09:53,072 --> 00:09:58,381 business is the it is quite difficult 189 00:09:56,006 --> 00:10:01,049 that significant changes will be 190 00:09:59,029 --> 00:10:04,670 achieved in the next 12 months we had 191 00:10:01,049 --> 00:10:06,122 also from the previous panel Slama some 192 00:10:04,067 --> 00:10:08,114 views that predict changes to to be 193 00:10:07,022 --> 00:10:12,026 fully repin the next five to ten years 194 00:10:09,014 --> 00:10:15,014 that seemed to be a more reasonable time 195 00:10:12,026 --> 00:10:16,094 horizon and definitely we're going to 196 00:10:15,014 --> 00:10:22,100 see a lot of innovations coming to the 197 00:10:16,094 --> 00:10:24,173 market hand sir excuse me 198 00:10:23,000 --> 00:10:28,037 yeah that one is running the opposite 199 00:10:25,073 --> 00:10:30,682 way because he believes is a fat right 200 00:10:28,037 --> 00:10:34,040 so is not running towards the goal right 201 00:10:31,339 --> 00:10:36,710 yes then there is one that is looking 202 00:10:34,004 --> 00:10:38,021 around right well percent because it's 203 00:10:36,071 --> 00:10:40,124 not Lee ass was trying to decide he 204 00:10:38,057 --> 00:10:41,066 wants to ride to write a two run on the 205 00:10:41,024 --> 00:10:46,115 left on the right 206 00:10:42,047 --> 00:10:50,135 yes it's kind of a metaphor I understand 207 00:10:47,015 --> 00:10:52,091 not that effective ok thanks ok and then 208 00:10:51,035 --> 00:10:53,132 we have the cautious optimism that 209 00:10:52,091 --> 00:10:55,270 believe it would take a few more years 210 00:10:54,032 --> 00:10:57,038 for connecting insurance to become a 211 00:10:56,089 --> 00:11:01,730 mainstream phenomenon and we tend to 212 00:10:57,092 --> 00:11:04,136 agree with this group of respondents my 213 00:11:01,073 --> 00:11:06,119 next question was the what product area 214 00:11:05,036 --> 00:11:10,055 has been affected the most by connected 215 00:11:07,019 --> 00:11:13,037 insurance and the following one which is 216 00:11:10,055 --> 00:11:15,110 quite related is what area will be 217 00:11:13,037 --> 00:11:20,039 affected most in the next 12 to 18 218 00:11:16,001 --> 00:11:23,033 months so here we can see great 219 00:11:20,057 --> 00:11:25,073 awareness on the state of development of 220 00:11:23,042 --> 00:11:27,074 car insurance which is why delinquency 221 00:11:25,073 --> 00:11:30,152 they're already mature 222 00:11:27,074 --> 00:11:34,091 and some salmon expectation at towards 223 00:11:31,052 --> 00:11:36,140 changes in next wed waiting months but 224 00:11:34,091 --> 00:11:39,164 we can see is that great expectation on 225 00:11:37,004 --> 00:11:42,101 health which is not surprising if we can 226 00:11:40,064 --> 00:11:46,079 see that that in the overall in chetek 227 00:11:43,037 --> 00:11:48,122 space there are more fun that startups 228 00:11:46,079 --> 00:11:51,143 operating in health insurance then in 229 00:11:49,022 --> 00:11:56,093 all other insurance types combined 230 00:11:52,043 --> 00:11:58,124 however other than some I popular keys 231 00:11:56,093 --> 00:12:01,109 in company that follow their lead 232 00:11:59,024 --> 00:12:05,075 we see a pretty latin am pretty limited 233 00:12:02,009 --> 00:12:09,038 number of initiatives especially on lost 234 00:12:05,075 --> 00:12:10,133 control and value-added services even 235 00:12:09,038 --> 00:12:14,051 destruction heard those in trying to 236 00:12:11,033 --> 00:12:17,081 pursue research based pricing and Reese 237 00:12:14,051 --> 00:12:21,128 election in health insurance expectation 238 00:12:17,081 --> 00:12:23,180 in those areas should be a bit more 239 00:12:22,028 --> 00:12:29,084 limited especially in the short-term 240 00:12:24,008 --> 00:12:30,074 impact on home insurance so far he's 241 00:12:29,084 --> 00:12:32,132 considered media mouth with minimal 242 00:12:31,046 --> 00:12:35,105 growth in the immediate future however 243 00:12:33,032 --> 00:12:37,127 we find is a bit surprising if we 244 00:12:36,005 --> 00:12:41,042 considering some markets home insurance 245 00:12:38,027 --> 00:12:43,100 is really pretty advanced for instance 246 00:12:41,042 --> 00:12:45,053 five players have already launched home 247 00:12:44,000 --> 00:12:48,002 products you need to lean eighty percent 248 00:12:45,053 --> 00:12:49,142 of the 30-plus participants to the 249 00:12:48,002 --> 00:12:52,055 connected insurance of a separatory we 250 00:12:50,042 --> 00:12:56,111 launched a connected insurance policy 251 00:12:52,055 --> 00:12:58,058 within the next 12 months against 252 00:12:57,011 --> 00:13:01,106 question is now what is the most 253 00:12:58,085 --> 00:13:07,181 significant barrier to insurance 254 00:13:02,006 --> 00:13:12,071 adoption by incumbents and let me call 255 00:13:08,081 --> 00:13:13,100 that the over ninety percent of the 256 00:13:12,071 --> 00:13:18,089 people in this room including myself 257 00:13:14,000 --> 00:13:21,017 raise the hands when i ask that if we we 258 00:13:18,089 --> 00:13:24,098 are actually social media users right so 259 00:13:21,017 --> 00:13:29,024 this number is quite coherent there even 260 00:13:25,079 --> 00:13:30,137 higher year then studies that quantifies 261 00:13:29,087 --> 00:13:35,114 the share of consumers willing to share 262 00:13:31,037 --> 00:13:38,108 the data between 70 and 90 percent right 263 00:13:36,014 --> 00:13:40,963 so I'm sure and quite confident they 264 00:13:39,008 --> 00:13:47,024 wiii you will agree with me 265 00:13:41,089 --> 00:13:50,660 there is something we in this data and 266 00:13:47,024 --> 00:13:53,353 that privacy is the most abuse reason to 267 00:13:50,066 --> 00:13:56,425 not innovate in the insurance industry 268 00:13:53,569 --> 00:14:00,680 in fact we just demonstrated together 269 00:13:57,019 --> 00:14:02,101 that compliance is not an issue as long 270 00:14:00,068 --> 00:14:07,327 as we are able to deliver practical 271 00:14:02,839 --> 00:14:09,740 exceptional value to our customers that 272 00:14:07,939 --> 00:14:12,016 lack of strategy is a critical barrier 273 00:14:09,074 --> 00:14:14,111 in a perception of their underestimated 274 00:14:12,709 --> 00:14:17,660 as underestimated the complexity of the 275 00:14:15,011 --> 00:14:19,990 insurance use cases which require it 276 00:14:17,066 --> 00:14:21,355 deep understanding of the insurance 277 00:14:20,089 --> 00:14:24,151 industry in a creative approach to 278 00:14:21,949 --> 00:14:28,910 connect new customers experiences with 279 00:14:24,709 --> 00:14:30,778 ensure as what online equally surprising 280 00:14:28,091 --> 00:14:33,940 is the law enforce importance placed on 281 00:14:31,399 --> 00:14:37,610 high-cost unclear economic value that in 282 00:14:34,759 --> 00:14:40,910 our humble opinion highlights how 283 00:14:37,061 --> 00:14:44,080 respondents are generally steal in the 284 00:14:40,091 --> 00:14:45,167 prototyping phase of the innovation 285 00:14:44,629 --> 00:14:48,706 journey as we witness every great 286 00:14:46,067 --> 00:14:51,586 solutions that struggle to general 287 00:14:49,399 --> 00:14:54,487 generate enough value for customers that 288 00:14:52,189 --> 00:14:57,350 are wait its costs the most common 289 00:14:55,279 --> 00:14:59,344 example is home insurance where there 290 00:14:57,035 --> 00:15:02,584 are multiple solutions already available 291 00:14:59,929 --> 00:15:05,240 but even covering the hard work cost is 292 00:15:02,899 --> 00:15:08,540 everything but obvious 293 00:15:05,024 --> 00:15:10,303 ok last after looking at the challenges 294 00:15:08,054 --> 00:15:12,223 for incumbents this question was the 295 00:15:10,519 --> 00:15:14,545 focal point two stops and as the 296 00:15:12,709 --> 00:15:16,738 following was the most significant 297 00:15:14,779 --> 00:15:21,470 challenge for inch initiative startups 298 00:15:16,999 --> 00:15:24,410 so these are the answers that finally 299 00:15:21,047 --> 00:15:26,072 present great news for insurance in the 300 00:15:24,041 --> 00:15:29,048 room so in fact and surprisingly 301 00:15:26,072 --> 00:15:31,079 insufficient knowledge and understanding 302 00:15:29,048 --> 00:15:34,267 of the insurance market is considered 303 00:15:32,042 --> 00:15:36,961 the most important challenge for ancient 304 00:15:34,699 --> 00:15:40,910 tech startups and creates an imperative 305 00:15:37,339 --> 00:15:43,790 for collaboration between incumbents and 306 00:15:40,091 --> 00:15:45,310 startups second barrier is the 307 00:15:43,079 --> 00:15:48,238 incapacity to engage in partner within 308 00:15:46,129 --> 00:15:50,660 competence which in this case is good 309 00:15:48,949 --> 00:15:53,870 news for the organizers of this event 310 00:15:50,066 --> 00:15:56,123 and the great choice of topics 311 00:15:53,087 --> 00:15:58,996 and more in general the point confirms 312 00:15:57,023 --> 00:16:01,118 the importance of all open innovation 313 00:15:59,779 --> 00:16:04,580 initiatives from a katana the 314 00:16:02,018 --> 00:16:06,086 co-creation labs from incubators 315 00:16:04,058 --> 00:16:09,107 accelerators that a fundamental to Los 316 00:16:06,086 --> 00:16:12,173 the top success incumbrance and vice 317 00:16:10,007 --> 00:16:16,085 versa so that's all for our brief survey 318 00:16:13,073 --> 00:16:18,092 okay bring it back to take a picture 319 00:16:16,085 --> 00:16:20,108 that soft fabric survey has been 320 00:16:18,092 --> 00:16:22,094 conducted in the last two weeks by 321 00:16:21,008 --> 00:16:26,063 involving hundred twenty respondents 322 00:16:23,012 --> 00:16:29,048 recruited to our ensure that news a.com 323 00:16:26,063 --> 00:16:32,962 portal the very first ensure that portal 324 00:16:29,048 --> 00:16:36,110 which was found that exactly a year ago 325 00:16:33,529 --> 00:16:41,210 this day and is now visited by nearly 326 00:16:37,001 --> 00:16:44,048 8,000 man 3 user as I conclude I like to 327 00:16:41,021 --> 00:16:46,094 thank gap ban and the whole thing up a 328 00:16:44,057 --> 00:16:48,074 singapore think of consortium for the 329 00:16:46,094 --> 00:16:50,099 support ensuring the the survey for 330 00:16:48,074 --> 00:16:54,083 inviting me here to share to share the 331 00:16:51,044 --> 00:16:56,102 the results i hope you heard some 332 00:16:54,083 --> 00:16:58,148 stimulating thought and i hope to meet 333 00:16:57,002 --> 00:17:01,100 you in the next two days in particular 334 00:16:59,048 --> 00:17:04,115 allow me to invite you to a presentation 335 00:17:02,000 --> 00:17:09,074 tomorrow 520 the presentation of 336 00:17:05,015 --> 00:17:13,040 insurance which is our award-winning 337 00:17:09,074 --> 00:17:15,523 virtual agent to sell micro ensure 338 00:17:13,004 --> 00:17:18,043 answer with the push approach that will 339 00:17:16,189 --> 00:17:24,280 be presented for the first time in Asia 340 00:17:18,439 --> 00:17:24,280 thank you very much