{"id":225329,"date":"2024-03-27T11:35:02","date_gmt":"2024-03-27T11:35:02","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=225329"},"modified":"2024-03-27T11:35:02","modified_gmt":"2024-03-27T11:35:02","slug":"trecerea-de-la-investitii-in-infrastructura-la-capitalizarea-valorii-adaugate","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=225329","title":{"rendered":"Trecerea de la investi\u0163ii \u00een infrastructur\u0103 la capitalizarea valorii ad\u0103ugate"},"content":{"rendered":"<p style=\"text-align: center;\">\n<strong>Claudiu Ghiurluc<\/strong>, Partener Audit DELOITTE ROM\u00c2NIA<br \/>\n\u015fi<br \/>\n<strong>Ana \u015eerban, <\/strong>Director Assurance Services, Deloitte Rom\u00e2nia<\/p>\n<hr \/>\n<p>\nPia\u0163a asigur\u0103rilor din Rom\u00e2nia este la confluen\u0163a unor circumstan\u0163e \u015fi tendin\u0163e care, f\u0103r\u0103 doar \u015fi poate, atrag juc\u0103torii din pia\u0163\u0103 \u00eentr-un amplu proces de transformare.<\/p>\n<p>\nAvem un sector al asigur\u0103rilor \u00een cre\u015ftere, care, \u00een septembrie 2023, \u00eenregistra un num\u0103r al contractelor \u00een vigoare mai mare fa\u0163\u0103 de septembrie 2022, dar \u015fi o ajustare a pre\u0163urilor la condi\u0163iile de pia\u0163\u0103, avem un cadru legislativ \u00een continu\u0103 adaptare \u015fi care se a\u015fteapt\u0103 s\u0103 fie un sprijin pentru un parteneriat solid \u015fi echitabil asigur\u0103tor-asigurat, avem o \u00eembun\u0103t\u0103\u0163ire a profitabilit\u0103\u0163ii, \u00een special pe segmentul auto, care constituie mai mult de 70% din pia\u0163a de asigur\u0103ri, conform ASF, avem clien\u0163i mai educa\u0163i din punct de vedere financiar \u015fi cu nivel de trai \u00een cre\u015ftere (chiar dac\u0103 infla\u0163ia contrabalanseaz\u0103 efectele pentru moment), avem clien\u0163i corporativi \u201ecrescu\u0163i\u201d \u00een perioada capitalismului care vor s\u0103-\u015fi protejeze afacerea de riscuri, vedem asigur\u0103tori care sunt interesa\u0163i s\u0103 preia juc\u0103tori mai mici, avem \u015fi ni\u015fte lec\u0163ii recente dure, date de falimente, avem riscuri \u015fi oportunit\u0103\u0163i noi legate de ESG \u015fi de securitate cibernetic\u0103, avem un PIB per capita \u00een cre\u015ftere, care se apropie de standardele europene, avem o pia\u0163\u0103 de asigur\u0103ri care urmeaz\u0103 tendin\u0163a de cre\u015ftere, dar cu un ritm mai lent fa\u0163\u0103 de evolu\u0163ia economiei \u015fi subdimensionat\u0103 comparativ cu ponderea \u00een PIB fa\u0163\u0103 de alte \u0163\u0103ri europene. Analiz\u00e2nd partea plin\u0103 a paharului, pia\u0163a local\u0103 are oportunit\u0103\u0163i de dezvoltare \u00een care resursa uman\u0103 \u015fi tehnologia sunt actorii principali, aceia care \u00een final sunt factori de diferen\u0163iere \u015fi de competitivitate.<\/p>\n<p>\n\u00cen timp ce transformarea tehnologic\u0103 s-a concentrat pe \u00eembun\u0103t\u0103\u0163irea eficien\u0163ei interne \u015fi pe cre\u015fterea cotei de pia\u0163\u0103, direc\u0163ia a \u00eenceput s\u0103 se schimbe pentru mul\u0163i asigur\u0103tori c\u0103tre investi\u0163ii care \u00eembun\u0103t\u0103\u0163esc experien\u0163a clien\u0163ilor \u015fi consolideaz\u0103 capacit\u0103\u0163ile de date \u015fi analiz\u0103. Vedem tot mai mul\u0163i asigur\u0103tori care capitalizeaz\u0103 beneficiile investi\u0163iilor \u00een infrastructura tehnologic\u0103 cu scopul de a deveni mai agili, inovatori \u015fi centra\u0163i pe client.<\/p>\n<p>\nAsigur\u0103torii au avut adesea o abordare \u00een pa\u015fi a investi\u0163iilor tehnologice, transform\u00e2nd sistem cu sistem, proces cu proces \u015fi aplica\u0163ie dup\u0103 aplica\u0163ie. Deciziile de investi\u0163ii au fost determinate \u00een principal de bugete pe termen mai scurt \u015fi considera\u0163ii legate de priorit\u0103\u0163i opera\u0163ionale, mai degrab\u0103 dec\u00e2t de cre\u015fterea competitivit\u0103\u0163ii pe termen lung prin \u00eembun\u0103t\u0103\u0163irea experien\u0163ei clientului. Asist\u0103m deci la o schimbare fundamental\u0103 a perspectivei \u015fi a priorit\u0103\u0163ilor.<\/p>\n<p>\nOrice discu\u0163ie legat\u0103 de transform\u0103ri tehnologice este lipsit\u0103 de substan\u0163\u0103 f\u0103r\u0103 a o conecta cu date relevante \u015fi resursa uman\u0103 potrivit\u0103. Gestionarea datelor \u015fi \u00eembun\u0103t\u0103\u0163irea capacit\u0103\u0163ilor de analiz\u0103 a datelor \u015fi de inteligen\u0163\u0103 artificial\u0103 sunt tot mai prezente pe agenda asigur\u0103torilor. Cele mai multe companii din domeniu nu mai v\u0103d gestionarea datelor ca pe o cheltuial\u0103 de infrastructur\u0103, ci ca pe un activ strategic care poate s\u0103-i ajute s\u0103 \u00eenve\u0163e mai multe despre nevoile clien\u0163ilor \u015fi preferin\u0163ele lor legate de produse \u015fi servicii.<\/p>\n<p>\n\u00cenainte de orice transformare stau conduc\u0103torii \u015fi echipele lor, la fel ca \u015fi dup\u0103 orice transformare. Companiile vor trebui s\u0103 preg\u0103teasc\u0103 liderii pentru a conduce \u00een acest mediu complex, deoarece unii angaja\u0163i au avut o carier\u0103 \u201etradi\u0163ional\u0103\u201d \u015fi au nevoie s\u0103 \u00een\u0163eleag\u0103 nevoile \u015fi a\u015ftept\u0103rile \u00een schimbare ale pie\u0163ei. Studiile Deloitte recomand\u0103 companiilor care deruleaz\u0103 proiecte de infrastructur\u0103 conduse de IT s\u0103 transfere coordonarea \u015fi implementarea ini\u0163iativelor de transformare c\u0103tre liderii liniilor de business, iar CIO-ul \u015fi CTO-ul s\u0103 fie implica\u0163i \u00een roluri de sprijin. Strategiile \u015fi investi\u0163iile tehnologice trebuie adaptate pentru a diferen\u0163ia asigur\u0103torii \u00een arii precum segmentarea clien\u0163ilor, asisten\u0163a pentru produse, oferirea de servicii cu valoare ad\u0103ugat\u0103, pentru a facilita cre\u015fterea durabil\u0103 \u015fi profitabilitatea.<\/p>\n<p>\nTehnologia ar trebui s\u0103 faciliteze schimbarea priorit\u0103\u0163ilor de la considerentele ancorate intern, la ini\u0163iativele externe, axate pe clien\u0163i. O astfel de centrare pe client va contribui la stimularea adapt\u0103rii \u015fi inova\u0163iei continue, care ar putea distinge asigur\u0103torii pe o pia\u0163\u0103 din ce \u00een ce mai standardizat\u0103. De asemenea, \u00eei va ajuta s\u0103 fac\u0103 tranzi\u0163ia de la o abordare bazat\u0103 pe transferul riscului tranzac\u0163ional \u015fi pe desp\u0103gubiri c\u0103tre rolul de consultan\u0163i, cu o abordare holistic\u0103 \u00een managementul riscurilor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Claudiu Ghiurluc, Partener Audit DELOITTE ROM\u00c2NIA \u015fi Ana \u015eerban, Director Assurance Services, Deloitte Rom\u00e2nia Pia\u0163a asigur\u0103rilor din Rom\u00e2nia este la confluen\u0163a unor circumstan\u0163e \u015fi tendin\u0163e care, f\u0103r\u0103 doar \u015fi poate, atrag juc\u0103torii din pia\u0163\u0103 \u00eentr-un amplu proces de transformare. Avem un sector al asigur\u0103rilor \u00een cre\u015ftere, care, \u00een septembrie 2023, \u00eenregistra un num\u0103r al contractelor [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[57291,331,11848,17732,57290,362,57289],"class_list":["post-225329","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-ana-serban","tag-asigurari","tag-asiguratori","tag-capitalizare","tag-claudiu-ghiurluc","tag-infrastructura","tag-top-zf-deloitte-top-1-000-cele-mai-mari-companii-din-romania"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/225329","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=225329"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/225329\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=225329"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=225329"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=225329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}