Aktuaris sebagai Risk

Scientist dan Perannya

dalam Ekonomi
Berkelanjutan Dr. Handayani, S.Si, MM, MHP, HIA, FLMI, AFSI, AAK, AAIJ, AMRP, FSAI
 Kata Disrupsi menurut KBBI artinya adalah tercabut dari
akarnya. Kata ini pertama kali diperkenalkan oleh Clayton
Christensen pada tahun 1997 dalam bukunya yang
berjudul “The Innovator’s Dilemma”.

In the early 1940s, Joseph Schumpeter introduced the

concept of creative destruction, he described in his book
Capitalism, Socialism, and Democracy as “the process of
industrial mutation, that incessantly revolutionizes the
economic structure from within, incessantly destroying
the old one, incessantly creating the new one”
In The Innovator’s Dilemma, Clayton Christensen proves
that disruptive technology is the force behind
Schumpeter’s concept of creative destruction.
 Climate Change

What is Climate Change?

Climate change is the change in the

average weather patterns in a region over
a long period of time. One component of
climate change is global warming, the
long-term heating of Earth due to
greenhouse emissions.
Impacts of Climate Change
 Most prominent work by actuaries in relation to climate-related risk is modelling
Source: IFOA 2021

Insurance Industry

What will increased data usage lead to?

Working with Others
 Keuangan Berkelanjutan
Berdasarkan data tahun 2021, nilai pembiayaan
berkelanjutan di Indonesia telah mencapai USD55,9 miliar
(Rp809,75 triliun), penerbitan green bond di pasar
domestik tercatat USD35,12 juta (Rp500 miliar) atau
0,01% dari total outstanding bond

Sementara global sustainability bond Di sektor perbankan, total pinjaman

yang diterbitkan oleh emiten Indonesia terkait keuangan berkelanjutan tercatat
telah mencapai lebih dari USD 2,22 miliar sebesar USD55,9 miliar (Rp809,75 triliun).
(Rp31,6 triliun) dan portofolio blended Hampir 50% bank di Indonesia yang
finance telah mendapatkan komitmen mewakili 91% dari total aset pasar
sebesar USD2,46 miliar (Rp35,6 Triliun). perbankan Indonesia menunjukkan
Indeks SRIKehati ESG telah membuktikan komitmen yang meningkat dalam
ketangguhannya selama pandemi dan menerapkan keuangan berkelanjutan,
mengungguli Indeks Harga Saham yang diukur dari Laporan Keberlanjutan
Gabungan (IHSG). mereka.
 Industri Berpengaruh
Kelapa Sawit dan Deforestasi
Indonesia adalah pengekspor minyak
sawit terbesar dunia, di sisi lain Uni
Eropa secara historis mewakili negara
mitra dagang terbesar kedua untuk
komoditas minyak sawit. Tetapi impor
minyak sawit UE dari Asia mulai
berkurang.
HIJAU
Kendaraan Listrik
Pemerintah mengembangkan
infrastruktur penunjang kendaraan listrik
secara masif, dengan target 2 juta roda
empat dan 13 juta roda dua. 2036 –
2040 penjualan kendaraan roda dua
konvensional dibatasi. Mulai 2041 akan
dikontrol secara ketat.
Batu Bara
Tidak ada penambahan dan pensiun dini
PL tenaga batu bara. PL tenaga nuklir
dan arus laut skala besar akan
memasuki commercial operation date.
Pangsa EBT akan meningkat menjadi
93% dengan PL tenaga surya, hidro dan
bioenergi
Properti
Industri real estate adalah konsumen
utama energi, menyumbang sekitar 39%
emisi gas karbon dioksida dunia dan
menghabiskan 40% dari konsumsi
energi dunia. Pembangunan
berkelanjutan, melalui bahan ramah
lingkungan baru
 Impacts of Climate Change

The dawn of machine learning and AI in insurance

Environment Actuary
 Big Data: How Big?
Data Never Sleeps 9.0
From virtual birthday parties, to Zoom concerts,
being social in this new world order has been
safely from behind our screens. People sent 12
million iMessages every minute. A relative
newcomer to the online social space, Clubhouse,
saw more than 208 rooms created every minute,
while viral video favorite TikTok had users that
watched approximately 167 million clips.

/FACEBOOK
People sent 12 million photos on Some Numbers
Facebook, a 63% change year Google gets over 3.5 billion searches daily and
over year (147.000 in DNS 8.0). WhatsApp users exchange up to 65 billion
messages daily

In 2020, every person generated 1.7 megabytes in

@TWITTER just a second and internet users generate about
Twitter users post 575.000 tweets 2.5 quintillion bytes of data each day
and gains 319 new users in DNS
8.0. 95% of businesses cite the need to manage
unstructured data as a problem for their business.
 Big Data and Insurance

What will increased data usage lead to?

The availability of new and informative data

(including social media posts and internet
browsing history) will increase insurers’
understanding of individual consumers’ risks.
As a result, there are potentially at least two
major insurance outcomes:
1. Better risk understanding.
2. Greater premium dispersion.
 Better Understanding of Risk
Continuous and immediate motor
vehicle information including
location, driver behavior and
engine information.
Lifestyle Pattern
Consumers’ information such as
family status, spending patterns
and choices, income/wealth can
be used to predict behavior and
lifestyle.
Improved accessibility and
availability of personal medical
information (e.g. through
wearables we can obtain data
Telematics Wearable Device such as exercise, activity, sleep
etc.) reveals how an individual’s
medical condition might impact
future health and longevity.
Information from internet connected
devices in the home or business
such as smoke detectors or water
usage monitors.
Early Warning
Natural disaster event information
allowing a better understanding
Internet of Things of locations and level of future
events e.g. flood mapping
information across residential
areas.
Business Impact of Big Data

The dawn of machine learning and AI in insurance

SNS Telecom & IT, “Big Data in the Insurance Industry: 2018-2030, Opportunities, Challenges, Strategies,
& Forecasts,” August 2018
3Ds of Fintech: ZongAn’s partnership with Xiaomi to automate claims
processing on phone insurance – leveraging a screen sensor
▪ Distribution advantage in the phone. Before you pick up your dropped phone with a
cracked screen, the embedded policy will have been
▪ Data advantage triggered by internal sensors and a new phone will be on its
▪ Delivery advantage way. No messy claims or repair estimates needed.
 Survey on Life Insurance
Respondents still use traditional environments (desktops, Respondents said that their analytics and/or actuarial

77% servers and mainframes) for analytics. One third are

currently exploring cloud-based systems, which could
allow greater flexibility.
teams lacked the capacity to accomplish their predictive
analytics goals and (58%) respondents cited data quality
and reliability issues.
30%
Infrastructure and data warehouse constraints with
many in-house facilities strained by large volumes
of data that require greater processing power. 42%

Willis Tower Watson Surveys on European (2020) and North America (2016) Life Insurance
New Business Models in the Insurance Sector
The broker model
Companies that use this model act as
intermediaries between the insurance companies
and their customers.
Friendsurance, InsPeer

The carrier model

In this model there is no intermediary.
The insurance company sells its own
policies and also forms the groups
and manages the funds.
Lemonade, Hey Guevara, Alan
The self-governing model
Appears to be the only true42 P2P model. In this
model, no insurer, reinsurer or insurance
intermediary is allegedly involved. No premiums
are paid and the risk is shared solely amongst the
members of a group, according to the terms they
define.
Teambrella
 Positive Correlation

the impact of application of big

data analytics on organizational
performance is found positive
and signifcant

JOURNALS
Re and Upskilling
Nobel Laureate in Economics 2020
Paul Robert Milgrom graduated from the University of
Michigan in 1970 with an AB in mathematics. He worked as an
actuary for several years in San Francisco at the Metropolitan
Insurance Company and then at the Nelson and Warren
consultancy in Columbus, Ohio. Milgrom became a Fellow of
the Society of Actuaries in 1974. In 1975, Milgrom enrolled for
graduate studies at Stanford University and earned an MS in
statistics in 1978 and a PhD in business in 1979

“for improvements to auction theory and inventions of new auction

formats”
“..... their insights to design new auction formats for goods and
services that are difficult to sell in a traditional way, such as radio
frequencies….. Their discoveries have benefited sellers, buyers and
taxpayers around the world,”

with Robert Butler Wilson

TERIMA KASIH