| MIDAS 是香港保險業聯會聯合 CryptoBLK 開發的 DLT / 區塊鏈汽車保單認證系統，旨在解決汽車保險欺詐行為，並實現行業數字化。MIDAS 在2020 年榮獲由政府資訊科技總監辦公室發起的「香港資訊及通訊科技奬」的金獎殊榮； 在 2019 年獲《亞洲保險評論雜誌》選為「年度創意大獎」得主。
在 CrypoBLK 新一期的「齊來創新 Innovate Together」系列專題中，我們希望透過與行業領袖的對話，讓大家更加了解車保行業的現況、挑戰和機遇，以及 MIDAS 如何透過區塊鏈技術為整個行業帶來「信任」，解決行業痛點。 我們很榮幸能邀請到蘇黎世香港有限公司（簡稱「蘇黎世（香港）」）的行政總裁許金桂先生作為今期的嘉賓，他會分享香港保險業的數碼轉型情況、區塊鏈技術在保險的應用，以及 MIDAS 對整個業界和大眾的價值。
問：你對於香港保險業的數碼化轉型有甚麼看法？ Eric: 香港保險業的數碼化轉型一直在適當的時機和步伐發展。 在一般保險和人壽保險市場中，我們看到保險公司和其他在銷售和市場營銷、客戶服務、理賠流程、客戶互動和風險防範方面的從業人員也大量應用數碼化程序。 就分銷模式而言，基於中介的平台和保險公司的直銷平台（例如虛擬保險公司）的數碼化轉型都進展順利，滿足了投保大眾的不同偏好。 在保險生態系統中，也有很多保險科技初創企業，為保險業的數碼化轉型提供支持。
問：香港保險業聯會正致力於行業數碼化，例如投資區塊鏈技術來開發全行業平台 MIDAS。 您對此有何看法？ Eric: 從行業級別的數碼化轉型來說，MIDAS 確實是成功的案例。借助區塊鏈技術，整個行業可以在不違反保險公司客戶私隱的情況下攜手合作，為社會帶來更大的利益。 MIDAS 也是公私合營的典範，通過區塊鏈連接所有持份者來創造額外價值。 展望未來，香港保險業聯會將繼續探索更多創造價值的機會，例如在打擊欺詐這方面，使會員公司受益同時為公眾帶來更大利益。
問：自成立以來，蘇黎世（香港）世是首批採用 MIDAS 的保險公司。 採用像區塊鏈這樣的新技術是保持競爭力的商業策略之一嗎？ Eric: 在我們的運營當中，蘇黎世（香港）採用了許多嶄新技術，例如 Open API，Power Automate，AI 機器學習和雲端計算等，務求提升客戶體驗和互動，並提高效率。
問：在考慮如將 MIDAS 這類的新系統整合到現有系統中時，您是如何評估其價值？而 MIDAS 是否可以滿足您的需求？ Eric: 評估的關鍵原則是其整合的目的。 我們需要考慮新系統是否能為我們的客戶和大眾帶來積極正面的影響。 就 MIDAS 而言，通過 API 進行無縫連接同時驗證汽車保單的真偽，無疑為持份者帶來新的價值。
問：在 API 整合過程中，蘇黎世（香港）有遇到任何挑戰嗎？ Eric: 在創建一些新穎又有意義的事物時總會遇到挑戰。 對於我們來說，其中一個關鍵的挑戰是數據的定義和轉換，即 MIDAS 與保險公司原有系統的交換格式。 同時，我們必須保護客戶的私隱和保障公司的商業利益。
問：您認為將 MIDAS 整合到您的系統中將有利您的客戶嗎？ Eric: 借助 MIDAS 的自動認證功能，我們的汽車保險客戶無需擔心需要進行額外的手續，即可於網上驗證其保單的真實性。 從長遠來看，MIDAS 的防欺詐功能將有助於改善汽車保險產品組合的質量，並從而優化定價模式，從而有利於客戶。
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MIDAS is a collaborative effort between the Hong Kong Federation of Insurers (HKFI) and CryptoBLK that harnesses Distributed Ledger Technology (DLT) or blockchain to ensure the authentication of motor insurance documents and fight against fraudulent cases. In 2020, MIDAS won the Gold Award from Hong Kong ICT Award; and in 2019, it was awarded the Innovation of the Year from Asia Insurance Review in Singapore.
CryptoBLK is thrilled to launch the “Innovate Together” Talk, where we will have an in-depth conversation with industry leaders, who will update us on the challenges and opportunities the industry is facing, and how MIDAS can bring “trust” to the whole industry through the blockchain, and hence solving the industry pain points. We are honored to have Mr. Eric Hui, Chief Executive Officer of Zurich Insurance (Hong Kong), as our guest in the “Innovate Together” Talk. He will share his views on the digital transformation in Hong Kong’s insurance and the application of blockchain technology, as well as the value and benefits of MIDAS to law enforcement and public interests.
Q: How do you think about the digital transformation in Hong Kong’s insurance industry? Eric: The digital transformation in Hong Kong’s insurance industry has been progressing in the right places at the right pace. In both GI and Life segments, we see plenty of digital applications by insurers and other practitioners in sales and marketing, customer services, claims processes, customer engagement and risk prevention as well. In terms of distribution model, digital transformation is going on well for both intermediary-based and direct platforms (as evidenced by the joining of a few virtual insurers), fulfilling the different preferences among the insuring public. There are also plenty of insure-tech start-ups in the ecosystem supporting the digital transformation of the insurance industry.
Q: HKFI is making an effort on digitizing the industry, such as investing blockchain technology to develop industry-wide platform MIDAS. What is your view on it? Eric: MIDAS is truly a success in terms of digitization at the industry level. Riding on blockchain technology, the industry can work together for the greater good of the society without breaching the privacy of the customers of individual insurers. MIDAS is also a model of Public-Private Partnership signifying the extra value creatable by connecting different value owners leveraging blockchain. Going forward, HKFI will continue to explore more value-creating opportunities for the benefits of member companies and the greater good for the public, e.g. in the area of combating fraud.
Q: Zurich (Hong Kong) is the first few insurance companies adopting Midas since its launch. Is adopting new technology such as blockchain one of your business strategies to keep competitive? Eric: Zurich (Hong Kong) adopts many new technologies in our operations, just to name a few like Open API, Power Automate, AI Machine Learning and Cloud computing, to keep improving customer experience and engagement, and driving efficiency.
Q: Any challenges in the API process? Eric: There are always challenges when building something good and new. One of the key challenges is data definition, data transformation, the exchange format between Midas and insurers with their own legacy systems. Of course, we also have to ascertain the protection of customer privacy and our business interests.
Q: Do you think the integration of Midas to your system will benefit to your customer? Eric: With the automated authentication function of MIDAS, our Motor Insurance customers do not need to worry about any extra work to prove the authenticity of their insurance cover notes when challenged. In the long run, the fraud prevention function of MIDAS will help improve the quality of the Motor insurance portfolio and in return better rationalize the pricing in favour of customers.
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