2021-08-10-奥纬咨询-Playing_To_Win_24页_1mb

Report Summary

The report "Reinventing Insurance Series: Playing to Win" emphasizes a fundamental shift for insurance companies from an Operator's Mindset, focused on selling products, to an Innovator's Mindset, centered on solving customers' "jobs to be done"—the specific progress they seek in various life or professional circumstances. This approach moves beyond correlation to causality, using the Jobs to Be Done framework to uncover unaddressed market opportunities.

Key elements include: differentiating between efficiency innovation (cost reduction), sustaining innovation (product tweaks), and market-creating innovation (new solutions that can drive growth by aligning with customer needs). Examples show how this method applies to areas like financial wellness, cyber insurance, and financial advising, revealing deeper functional, social, and emotional dimensions of value creation.

The conclusion stresses that embracing this change requires leaders to focus on customer stories and unmodeled daily struggles, fostering new insights and growth opportunities, while avoiding the pitfalls of incremental approaches.