Figure 2: The development trend of digital underwriting in L&H insurance

Data augmentation

  • Multi-sourced
  • Structured
  • Standardised

Technologies: privacy computing, federated learning

Algorithms and models

  • Intelligent
  • Interpretative
  • Improved risk selection

Technologies: expert systems, machine learning, deep learning, graph computing, graph databases

Sustainability of business evaluation systems and management mechanisms

Diversified application scenarios

Source: Swiss Re Institute