{"id":109,"date":"2016-10-10T09:30:35","date_gmt":"2016-10-10T16:30:35","guid":{"rendered":""},"modified":"2018-09-20T16:10:26","modified_gmt":"2018-09-20T20:10:26","slug":"risk-modelling-in-insurance-big-data-and-analytics-creates-intelligent-insurers","status":"publish","type":"post","link":"https:\/\/cm-edgetun.pages.dev\/fr-ca\/industry\/blog\/financial-services\/2016\/10\/10\/risk-modelling-in-insurance-big-data-and-analytics-creates-intelligent-insurers\/","title":{"rendered":"Mod\u00e9lisation du risque dans l\u2019assurance\u00a0: les donn\u00e9es massives et l\u2019analyse cr\u00e9ent des assureurs intelligents"},"content":{"rendered":"<p><em>Cortana Intelligence Suite et Azure Machine Learning aident les assureurs \u00e0 exploiter leurs donn\u00e9es et \u00e0 obtenir des informations au-del\u00e0 des domaines pris en charge par les actuaires.<\/em><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-347401 size-medium\" src=\"https:\/\/cm-edgetun.pages.dev\/en-us\/industry\/blog\/wp-content\/uploads\/sites\/24\/2018\/09\/Big-Data-Analytics-300x200.png\" alt=\"Analytique de donn\u00e9es massives\" width=\"300\" height=\"200\" \/>Les donn\u00e9es constituent une composante majeure de l\u2019industrie de l\u2019assurance depuis des si\u00e8cles, mais l\u2019\u00e9mergence des donn\u00e9es massives a soulev\u00e9 des d\u00e9fis sans pr\u00e9c\u00e9dent pour les assureurs du monde entier. Aujourd\u2019hui, les compagnies d\u2019assurance, petites ou grandes, ont besoin d\u2019absorber, de traiter et d\u2019analyser des quantit\u00e9s massives de donn\u00e9es provenant de sources h\u00e9t\u00e9rog\u00e8nes afin d\u2019agir rapidement et de mani\u00e8re rentable. Comme les outils d\u2019analyse traditionnels n\u2019offrent pas la capacit\u00e9 et l\u2019agilit\u00e9 n\u00e9cessaires pour les nouvelles charges de donn\u00e9es massives, les assureurs se tournent vers Cortana Intelligence Suite, une suite enti\u00e8rement g\u00e9r\u00e9e d\u2019analyse avanc\u00e9e des donn\u00e9es massives, pour leurs nouveaux besoins de donn\u00e9es, d\u2019analyse et de renseignement.<\/p>\n<p>Par exemple, If P&amp;C Insurance, une compagnie d\u2019assurance dommages de premier plan desservant trois millions de clients dans la r\u00e9gion nordique, a d\u00e9couvert qu\u2019elle pouvait d\u00e9couvrir la valeur des donn\u00e9es plus rapidement et plus \u00e9conomiquement gr\u00e2ce aux fonctions d\u2019analyse avanc\u00e9e de Cortana Intelligence Suite. If\u00a0P&amp;C a travaill\u00e9 avec Microsoft pour r\u00e9aliser un projet pilote sur Cortana Intelligence Suite qui met l\u2019accent sur Azure Machine Learning (ML). L\u2019objectif principal \u00e9tait d\u2019\u00e9valuer dans quelle mesure Cortana Intelligence Suite peut g\u00e9rer diff\u00e9rents aspects de la mod\u00e9lisation pr\u00e9dictive en remplacement de la plateforme d\u2019analyse de donn\u00e9es sur site actuelle d\u2019If\u00a0P&amp;C. Le succ\u00e8s du projet pilote a incit\u00e9 l\u2019entreprise \u00e0 remplacer son ancienne plateforme SAS par la solution bas\u00e9e sur Cortana Intelligence Suite.<\/p>\n<p>Trois cas d\u2019utilisation ont \u00e9t\u00e9 \u00e9valu\u00e9s dans le cadre du projet pilote. D\u2019abord, un mod\u00e8le de r\u00e9siliation a \u00e9t\u00e9 utilis\u00e9 pour pr\u00e9dire la r\u00e9siliation d\u2019une police par un client dans les 40\u00a0jours pr\u00e9c\u00e9dant la date de renouvellement. Ensuite, un mod\u00e8le de vente incitative pr\u00e9disait la probabilit\u00e9 de succ\u00e8s d\u2019une communication incitative \u00e0 un client donn\u00e9. Des donn\u00e9es, y compris l\u2019\u00e2ge, la dur\u00e9e de la police, la composition du produit, la solution de paiement, les donn\u00e9es sur le m\u00e9nage et les points de contact par t\u00e9l\u00e9phone et sur le Web ont \u00e9t\u00e9 utilis\u00e9es pour ces deux mod\u00e8les. Enfin, un projet d\u2019analyse du texte des courriers \u00e9lectroniques permettait de classer les courriels entrants, par exemple en d\u00e9tectant les messages contenant un sentiment n\u00e9gatif qui pourrait indiquer un risque accru d\u2019annulation des clients.<\/p>\n<p>La solution a r\u00e9pondu aux attentes d\u2019If\u00a0P&amp;C dans tous les cas d\u2019utilisation \u00e9valu\u00e9s et les a m\u00eame d\u00e9pass\u00e9es. Comme les composantes de Cortana Intelligence Suite sont con\u00e7ues pour fonctionner ensemble, l\u2019entreprise a pu utiliser les services Web Azure\u00a0ML pour int\u00e9grer rapidement les r\u00e9sultats de l\u2019analyse pr\u00e9dictive dans un canal de donn\u00e9es de bout en bout. La solution a \u00e9galement contribu\u00e9 \u00e0 augmenter la productivit\u00e9 des utilisateurs, entra\u00eenant des temps d\u2019analyse beaucoup plus courts pour les scientifiques et les ing\u00e9nieurs de donn\u00e9es. De plus, If\u00a0P&amp;C estime qu\u2019elle r\u00e9alisera des \u00e9conomies consid\u00e9rables en utilisant Cortana Intelligence Suite. Outre Azure\u00a0ML, la soci\u00e9t\u00e9 adopte \u00e9galement Azure Data Factory, Azure Data Lake, Azure SQL Data Warehouse et Azure HDInsight et les int\u00e8gre \u00e0 Microsoft Dynamics CRM.<\/p>\n<p>En utilisant Cortana Intelligence Suite, les assureurs peuvent d\u00e9couvrir la valeur des donn\u00e9es de mani\u00e8re rapide et rentable et obtenir des visualisations significatives qui fournissent des informations cibl\u00e9es et pertinentes permettant aux actuaires de d\u00e9terminer les risques et d\u2019y r\u00e9agir rapidement. Par exemple, la mod\u00e9lisation financi\u00e8re peut \u00eatre utilis\u00e9e pour cr\u00e9er un portrait clair et actuel des risques en mettant l\u2019accent sur des domaines tels que la rentabilit\u00e9 des clients, le taux de r\u00e9siliation des clients et les activit\u00e9s frauduleuses potentielles.<\/p>\n<p>Les fonctionnalit\u00e9s analytiques avanc\u00e9es de Cortana Intelligence Suite permettent une analyse constante de la base de clients qui peut \u00eatre combin\u00e9e avec une visualisation riche pour offrir de la valeur aux assureurs dans divers domaines li\u00e9s au risque. Milliman ouvre la voie dans ce domaine, avec sa solution Power\u00a0BI qui fournit des donn\u00e9es aux actuaires d\u2019une mani\u00e8re beaucoup plus visuelle et significative que la visualisation tabulaire traditionnelle.<\/p>\n<p>Comme le domaine de l\u2019assurance g\u00e9n\u00e8re des volumes croissants de donn\u00e9es, la gestion des risques continuera d\u2019exiger des quantit\u00e9s croissantes de mod\u00e9lisation de donn\u00e9es. Gr\u00e2ce \u00e0 Cortana Intelligence Suite, les assureurs peuvent am\u00e9liorer l\u2019ensemble de donn\u00e9es qu\u2019ils re\u00e7oivent de leurs mod\u00e8les, g\u00e9n\u00e9rer plus d\u2019informations \u00e0 partir de ces donn\u00e9es et se mettre en position de prendre de meilleures d\u00e9cisions en transformant leurs donn\u00e9es en valeur commerciale.<\/p>\n<p><strong>Apprenez-en davantage en t\u00e9l\u00e9chargeant <\/strong><a href=\"https:\/\/info.microsoft.com\/Enterprise_EN-US_FinServ_RiskAnalyticsWP_RegistrationPage.html?ls=Website&amp;lsd=eam_corp_en-us_vnext_insurance\" target=\"_blank\"><strong>Perspectives sur la mod\u00e9lisation des risques d\u2019assurance (en anglais)<\/strong> de Microsoft<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cortana Intelligence Suite et Azure Machine Learning aident les assureurs \u00e0 exploiter leurs donn\u00e9es et \u00e0 obtenir des informations au-del\u00e0 des domaines pris en charge par les actuaires.<\/p>\n","protected":false},"author":0,"featured_media":213,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"_classifai_error":"","_classifai_text_to_speech_error":"","footnotes":""},"categories":[67],"post_tag":[],"content-type":[],"coauthors":[45],"class_list":["post-109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mod\u00e9lisation du risque dans l\u2019assurance\u00a0: les donn\u00e9es massives et l\u2019analyse cr\u00e9ent des assureurs intelligents - Blogues de l&#039;industrie Microsoft<\/title>\n<meta name=\"description\" content=\"Data has been an important part of the insurance industry for centuries, but the emergence of big data has brought unprecedented challenges to insurers around the world. 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