Software at your own risk

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Nikita Evseenko believes that such products could include pricing and quotation systems, scoring and decision-making systems, product designers, as well as systems for settlements with agents and partners. At the same time, the products may not be obvious to the insurance sector, for example, a system for managing workplaces and parking lots.

According to Nikita Evseenko, the features of internal development include:

that historically it is part of the parent organization;
focus on supporting internal processes in the company;
deep integration into the IT landscape.
Insurance has a very complex content writing service technological cascade of systems and internal integrations, Alexander Sakharchuk, Deputy Head of Digital Technologies and Projects at AlfaStrakhovanie-Life, told RSpectr. There are solutions from Russian developers on the market, but due to the small number of such players, it is sometimes easier for insurers to develop products in-house.



Sometimes we faced a task when there was no ready-made solution on the domestic market, for example, a system for conducting insurance activities or a b2b platform for processing life insurance programs.

According to him, foreign vendors made such decisions due to the fact that

Social responsibility and a culture of life insurance are developed abroad, therefore the approach to filling insurance products and selling them is different

In Russia, they are gradually moving towards this, he stated.

Nikita Evseenko emphasized that if the solution developed within the company is basic and repeats existing offers on the market, then its commercialization can be forgotten. At the same time, it is important not to make a mistake in assessing the capacity of the potential market, to look at the applicability of the product not only in your own company, but also in the industry.

“Assess the technological maturity of the product: do the investments in “separation” from the parent landscape exceed the potential benefit,” the expert recommended.

A backlog of solution development is essential, without it it will be impossible to be competitive, says Nikita Evseenko. Developers should

focus on rebuilding the operating model, otherwise software business organization errors will appear at all stages of the product life cycle

Dedicated specialists are needed for support and development, since the current team will not be able to cope with internal needs and market demands.

UNIQUE PLATFORMS

In terms of import substitution, the main difficulties with the choice of insurers arise in relation to application software, Maxim Potapov, an expert on CRM implementation at KORUS Consulting Group, told RSpectr. According to him, within the framework of global strategies, large insurance companies are replacing all imported software, from operating systems to application programs.

Maxim Potapov, CORUS Consulting Group:

– There are about 10 Russian CRM systems on the domestic market that are not inferior to foreign analogues either in terms of functionality or in terms of user interface. All of them are suitable for insurance companies . Many system manufacturers have their own developed partner network. At the same time, many companies will try to implement products on their own.