To Disrupt or be Disrupted
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Transcript of To Disrupt or be Disrupted
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to disrupt or be disrupted?
Hugh Saalmans, IAGLocation Engineering Director
@minus34
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We are in a period ofrapid change
A customer-led, data driven,technology enabled age
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Do we asprofessionals and organisations
need to respond to this?
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If you worked for Blockbuster
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or Nokia’smobile phone division
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or Kodak
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You’d probably say Yes
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If you work for these guys,you’re probably not fussed
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So how do we respond?
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IAG & geospatialdisruptionthe enablersyour response
to disrupt or be disrupted?
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ANZ’s largest general insurer
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ANZ’s largest general insurer
With revenues over $11bn and $2tn in assets protected; including millions of homes & cars and 100,000’s of businesses
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We’re heavy users of geospatial tech and data, across many areas of the business.
The key things we use geospatial for - are fundamental to insurance
For example:
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2012 flood risk data
Risk based pricing: using a combination of GNAF, natural peril data and HERE’s road data and POIs, for example, to determine each customer’s individual risk at the property level
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Asset Data: using building & property data, such as PSMA’s Geoscape, to improve risk modelling & simplify the quotation process for our customers
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Major Event Mapping: using live weather & bushfire feeds to be alerted to disasters before they happen; to respond more quickly to impacted customers
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Australian Business Roundtable: using our geospatial & peril modelling expertise to generate reports into the cost of disasters through the Australian Business Roundtable.
The Australian Business Roundtable champions disaster resilience & community safety and is comprised of the organisations above
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ANZ’s largest general insurer
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ANZ’s largest general insurer
A customer led, data-driven organisation
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STRATEGY
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STRATEGY
Why are we focussing on this…?
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IAG’s ProblemDisrupters could deliver their services with half IAG’s expense ratio
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disruption
What is disruption? – there are 2 perceptions…
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disruption?
First - there’s this big, scary digital wave coming that could impact your industry, but you haven’t worked out:
Whether it’ll impact your organisation? How it’ll impact your organisation? How big the impact will be? or How to mitigate it’s impact?
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disruption?
Or there’s this exciting opportunity to ride the digital wave and:
-create a new service that fills an existing gap in the market; or
- create a new way of doing business that provides superior customer and end user experiences, and gains you market share
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Perceptions aside,
What is disruption?
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Changes enabled by digital technologies; occurring at a speed & scale that disrupt existing ways of doing business
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Its about combining innovative processes along with data and technology to create effortless experiences for customers & end users
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It’s not about creating lots of choices
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disruption may be tech enabled, but it’s still people led
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Technology may enable disruption, but at its heart is a deep understanding of what people want, what motivates them and how they want technology to work for them.
And that applies whether you’re a consumer or at work
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examples of disruption
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blockchain
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https://www.newscientist.com/article/2101667-blockchain-grid-to-let-neighbours-trade-solar-power-in-australia/
PowerLedger allow households with surplus energy to sell it to other households, using blockchain to verify & record transactions.No energy provider, just your neighbour selling their excess power to you! A trial is about to begin in Busselton, WA
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http://www.forbes.com/sites/laurashin/2016/04/21/republic-of-georgia-to-pilot-land-titling-on-blockchain-with-economist-hernando-de-soto-bitfury/#3a9b5b076550
The Republic of Georgia are about to trial the use of blockchain for Land Titling with a local technology provider, BitFury.How will that change the way land transactions are carried out? What will the impact be on surveying, real estate and conveyancing?
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insurance disruption
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on-demand, micro& P2P insurance
In an effort to make insurance more meaningful and affordable…You can now get time based insurance in the UK for your care.g. I want to insure my car from 9am to 12pm on Saturday
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on-demand, micro& P2P insurance
You can also now insure individual items of value, (known as micro-insurance), through sites such as IAG’s Insurance4That
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on-demand, micro& P2P insurance
Peer 2 Peer insurance is also growing with German based Friendsurance starting up in Australia soonIt’s based on the simple premise that customers pay a premium into a communal pool, and then get some money back if the pool isn’t emptied throughout the year by claims
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on-demand, micro& P2P insurance
For P2P insurance to work it needs accurate, property level risk ratings (as IAG’s done for a number of years) using spatial data.This is because each customer’s contribution is based on their individual, location based risk.Highlighting the value of open datasets such as G-NAF
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UBI - telematics
Usage based Insurance: Telematics provide a combination of GPS tracking & accelerometer data to determine whether you’re a safe driver or not - so you can be priced accordingly. It also gamifies the experience by allowing drivers to compare themselves against others as a motivator to improve.
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UBI - home sensors
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UBI - home sensors
IoT sensors are already impacting the home insurance market - both Liberty Mutual in the US and Allianz in Germany have partnerships with Google Nest and Panasonic.Install a home safety or security device, hook it up the internet and get a discount on your insurance!
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UBI - home sensors
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UBI - home sensors
But this is where it gets interesting…As smart doorbells, home security and weather sensors become commonplace in Australian & NZ homes over the next 5-10 years…We can foresee a future where there are 100,000’s of weather and security sensors across each city!
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UBI - home sensors
Imagine what impact that data will have on:Insurers’ understanding of risk; andEmergency responders & insurers’ ability to understand what’s happening in a disaster;As well as potentially improving weather forecasting itself
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autonomousvehicles
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autonomousvehicles
The big disrupter!A 2015 KPMG report estimates that autonomous vehicles will reduce the size of the personal motor insurance market by 60% within the next 25 years.Given the personal motor insurance is the most profitable product line in general insurance – the impact of this will be profound
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autonomousvehicles
The data that autonomous vehicles capture is big!They capture and analyse up to 1Gb of LIDAR, radar, imagery & high precision GPS data per second
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autonomousvehiclesNow, let’s jump to the future again - 15-20 years from now when there will be 100,000’s of autonomous cars on the road capturing this data...…if processing power and wireless internet speeds continue to grow exponentially over this time – then we can imagine a future where entire city streetscapes will be mapped in 3D, every dayWhat impact will that have on the insurance and geospatial industries?
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drones
After the Wye River bushfires last Xmas, the area was cordoned off due to asbestos contamination. With our assessors unable to get into the area, we flew drone missions over the area to capture images of damaged & destroyed homes.This allowed us to help customers who had lost everything by giving them some certainty about their future much sooner after the event.
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surveying disruption
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You can now use your smartphone to plan and execute an aerial survey
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And automatically extract a 3D point cloud, 3D models and ortho-rectified imagery from the survey
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It can be done using a consumer grade drone.Not only that, you can use consumer grade cameras for terrestrial photogrammetry and using the same image processing tools, get ~10mm accuracy
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And that’s not using precise positioning, which in a few years will be available in almost every device; when autonomous vehicles start hitting Australian streets
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a game changer?
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http://spectrum.ieee.org/tech-talk/semiconductors/optoelectronics/mit-lidar-on-a-chip
Meanwhile MIT have developed a LIDAR sensor with no moving parts that’s < 10mm wide and costs < $10.How will this sensor revolutionise real-time positioning and mapping as well as data capture?
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the enablers
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the enablerssmartphonesDevOpsinfrastructure as codeopen sourcework practices & team culture
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smartphones
In under 10 years, smartphones have become all pervasive
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Pope Benedict’s appointment in 2005…
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Pope Francis’ appointment in 2013…
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With the smartphone came the realisation that people expect to do business or be able to work on any device, at any time.
Smartphones, and subsequently tablets, fundamentally changed the need for digital services and tools for both consumers and employees
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DevOps
DevOps is a approach that gives developers full ownership of an application or API from the first line of code, through to testing, deployment & maintenance
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DevOps
Organisations such as Facebook, Uber & Google use DevOps tools such as these to rapidly create & update their apps and APIs at a speed and frequency that wasn’t previously possible
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infrastructureas code
Complementary to DevOps is the ability to script the repeated and rapid creation of server resources, at any scale.
The foundation of this is cloud computing using platforms like Amazon Web Services and Docker
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open source
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open source
Open source allows you to deploy your apps and APIs cost effectively
It’s another key reason why startups and disrupters have low operating costs
Zero licensing costs, regular updates, proven reliability & scalability, established developer & user communities, tools that are designed for DevOps & infrastructure as code – open source ticks many boxes
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open sourceIt’s the combination of open source + code based infrastructure + DevOps that allows Facebook to change 10 lines of code and then redeploy their app globally on 10,000 servers, several times a day if needed!
…and here’s a big threat - as more organisations move towards a disruptive approach - this combination will slow the growth of the IT industry as they become more self-sufficient
…and the geospatial industry will be impacted by this.
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work practicesAutomation
CollaborationIterative delivery
Cloud first
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team cultureEmpowerment
ExperimentationDiversity
Be an outlaw
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your response
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work practices
Point & clickIf you want to create an innovation mindset for yourself - you’re not going to keep using your tools by pointing and clicking at things over and over again – especially not for repeatable tasks
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work practices
You’re not going to keep working in a silo, avoiding collaboration across your organisation
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work practices
You’re not going to deliver big ticket projects that take a long time to deliver nothing until the end
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work practices
You’re not going to continue to run internal hardware that costs up to 10x the same infrastructure in the cloud – even if you only have 2 servers
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AutomationCollaboration
Iterative deliveryCloud first
work practices
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automation
DevOpsInfrastructure as code
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collaboration• Cross-functional teams• Everyone a mentor & coach• Peer review• Share, share, share:
• Slack, Confluence, Yammer
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iterative delivery
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team cultureEmpowerment
ExperimentationDiversity
Be an outlawTo innovate and make your organisation resilient to change - you will need to develop a team culture with these traits
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empowermentEveryone empowered to:◦Deliver◦Make decisions◦Help develop teammates◦Develop themselves
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empowermentEveryone contributes to:◦Deliverables◦Decision making◦Development of teammates◦Self-development
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experimentation
Take risks and fail
Innovate through experimentation
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diversity
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be an outlaw•Don’t ask for permission•Be curious•Ask the “so what?”•Do it differently•Challenge assumptions
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