CoverWallet 谈简化复杂的保险和支付流程

全球保险经纪公司 Aon 子公司 CoverWallet 是一个在线平台,它简化了中小企业和初创公司了解、购买和管理其保险的流程。该公司总部位于纽约,业务涉及从建筑到医疗保健再到批发的 20 多个行业,为客户提供量身定制的实惠选择。

我们与 CoverWallet 的首席产品官 Amanjot Khaira 就拥抱数字化转型以保持竞争力、为服务不足的市场提供解决方案以及与 Stripe 合作来实现更顺畅的购买体验进行了交流。

使用的产品

    Payments
    Connect
北美
企业

是什么促使您决定加入 CoverWallet 的?

在美国,小企业保险是一个每年 1000 亿美元的市场。能够有机会通过打造一流的在线体验该影响整个行业,是我加入 CoverWallet 的主要原因之一。

加入 CoverWallet 以来,您感到最自豪的成就是什么?

我很自豪能够帮助从零开始构建我们的产品和平台,以支持全球多种商业模式。当我刚加入时,我们没有客户,没有收入,也没有合作伙伴。在过去的七年里,我们在四大洲推出了三种不同的商业模式,收入达到了数亿美元。现在,我们的重点是扩大我们在中小企业领域的全球足迹,并扩展我们的平台,在 Aon 内创造数十亿美元的业务。

人工智能对整个保险业有什么影响?

人工智能在这个行业发挥了巨大作用,它可以帮助自动化和简化索赔处理和客服流程,改善风险评估和承保,并且还能防范欺诈。这将帮助小企业主节省时间并减少错误。

What are the biggest challenges insurance companies face today?

The increasing use of digital channels for purchasing, servicing, and managing policies has disrupted traditional insurance models. Insurance companies must embrace digital transformation to stay competitive in today's marketplace. Customers expect more personalized, on-demand, and seamless experiences. Insurance companies need to adapt to these changing expectations by developing new products, services, and experiences that meet customer needs.

The first and most obvious is digitalization. CoverWallet has been focused on providing a fully digital experience for small business owners to understand, buy, and manage their insurance needs. Second is cybersecurity, which is becoming an increasingly important concern. This provides a big opportunity for companies like CoverWallet to offer policies that help small businesses recover from cyber attacks or data breaches.

We're also excited about embedded insurance, as it's the next phase of growth for us. We know that in order to grow, we have to be at the right place and the right time for our customers. We believe building the right digital experience with the right partner will define success.

How do you approach new offerings, such as your recent collaboration with PayPal, to ensure you’re serving customers’ needs?

CoverWallet and Aon’s partnership with PayPal helps millions of small businesses in the US access insurance faster. Small business owners in the US are confronted with the challenge of selecting the most appropriate insurance for their business, and they may not have the time to research, shop for, and purchase insurance. As a result, many of these businesses are underinsured, meaning they do not have the proper insurance coverage to fully protect their business.

In the case of the PayPal collaboration, innovating at scale means addressing a previously underserved large market with a combined solution. This approach extends to a wider ethos within Aon to scale inventive breakthroughs that deliver results on behalf of clients.

How can the insurance and payments industries improve to deliver a better experience for small business owners?

Small business owners often do not have the time or resources to navigate complex insurance and payment processes. Insurers and payment providers should simplify their processes and make it easier for small business owners to understand and manage their accounts. This has been a key focus at CoverWallet and we have created a best-in-class solution for our customers in partnership with Stripe.

在支付产品方面,CoverWallet 如何满足企业的需求?

我们通过与 Stripe 和我们的高级金融合作伙伴合作构建了我们的支付体验,让我们的客户只需点击几下鼠标即可全额或分期购买保单。通过 Stripe 和高级金融合作伙伴的 API,支付失败、退款和对账工作流程实现了完全的自动化。

您是否能解释一下 Stripe 与 CoverWallet 的集成方式,以及您从 Stripe 的哪些方面看到的价值最大?

我们使用 Stripe PaymentsStripe Connect 来简化多方支付流程,满足客户的期望,无论他们购买什么,都能获得顺畅的购买体验。Stripe Connect 允许我们以编程方式将从客户处收取的每笔付款拆分给多个合作伙伴和供应商,整个过程不需要任何手动干预。这是简化我们后端流程的关键,使我们能够专注于为客户提供卓越服务。

Stripe 如何支持 CoverWallet 在诸多国际市场成功开展业务?

Stripe 通过提供完整的支付解决方案(如网关、处理商和商家账户)显著降低了复杂性。这让我们能够在几天内在 Stripe 所在的任何国家实施我们的支付工作流程。

随着我们全球足迹的增加,我们与 Stripe 的关系越来越紧密。我们有很多合作机会,可以将 Stripe 和 Aon 的精华带给我们的客户。

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