日本保险机构软体市场评估：依类型、部署类型、最终用户、地区、机会、预测 (2018年度-2032年度)

日本保险代理软体市场规模预计将从2024年度的3.5888亿美元增至2032年度的5.6257亿美元，年复合成长率为 5.78%。保险代理软体为保险公司提供执行保费计算、核保、客户服务管理和监理合规等功能的工具。该工具的先进模型整合了人工智慧和机器学习，以增强其功能并提高处理能力，使其成为现代保险实践中提高效率和有效性的关键因素之一。

因此，不断变化的客户期望推动日本保险代理软体市场的发展，实现更顺畅的数位参与、个人化服务和更快的索赔处理。人工智慧和机器学习构成了透过提高准确性和生产力水准来满足这些需求的基本技术，随着对改进数位参与的需求的增加，其采用的步伐只会加快。

技术创新和不断成长的消费者需求是日本保险代理软体市场快速成长的催化剂。产业龙头企业大力投入研发，致力于开发高科技产品。积极的政府措施和鼓励性的法规进一步加速市场的成长。可支配收入的增加以及有利于优质和价值可持续产品的新兴趋势进一步支持了市场成长。因此，越来越多的公司致力于提供符合绿色标准的产品并加强其商业实践。这意味着日本经济成长的重大发展和保险代理软体市场的强劲成长。

例如，成立于2018年的法国新创公司Akur8 将于2023年12月在日本开发机器学习资料驱动的保险定价平台，以自动化和最佳化保险业的定价业务流程，为40个国家的100 多家公司提供服务。

数位转型将塑造日本保险市场

数位转型是日本保险市场显着成长的关键驱动力之一。越来越多的保险公司采用人工智慧、机器学习和巨量资料分析等先进技术来改善营运。先进技术可实现复杂流程的自动化，并实现有价值的资料驱动见解和明智的决策。例如，人工智慧可以根据设定的标准自动评估和确认保险索赔，加快索赔流程，节省人工检查的时间和精力。巨量资料分析帮助保险公司了解客户行为和偏好，设计更个人化的保险产品和服务。透过转向数位解决方案，营运将更加顺畅，客户也会对更快、更准确的服务交付感到满意。

例如，2024年 4月，Oracle宣布在日本投资 80亿美元用于云端运算和人工智慧基础设施。这项重大投资目的是满足国家对云端服务和先进技术能力不断成长的需求。

日本人口老化对保险需求的影响

保险市场成长的第二个重要动力是日本人口老化。日本是世界上预期寿命最长的国家之一，对长期照护保险和人寿保险产品的需求不断成长。老年人口需要全面的保险来支付医疗费用并确保退休后的经济保障。因此，保险业务的性质发生变化，以长期照护保险和退休金等形式创新老年人产品。更重要的是，人口老化迫使保险公司采用远端咨询和数位健康监测技术，以更轻鬆地为老年客户提供服务。对人口老化的关注推动保险产品和服务的创新，同时满足关键的市场需求。

例如，2023年12月，日本厚生劳动省提议提高65岁以上高收入者的长期照护保险费。该提案目的是解决与日本人口老化相关的日益成长的财务需求，并确保长期照护保险制度的可持续性。拟议的改革是更公平地平衡不同收入群体的财政负担的更广泛努力的一部分。

本报告研究和分析了日本保险代理软体市场，提供市场规模和预测、市场动态以及主要参与者的现状和前景。

目录

第1章 专案范围与定义

第2章 研究方法

第3章 执行摘要

第4章 顾客回馈

• 软体与市场讯息
• 品牌识别方法
• 购买决策时考虑的因素
  • 功能和其他加值服务
  • IT 基础架构相容性
  • 解决方案效率
  • 售后支持
• 隐私和监管考虑

第5章 日本保险代理软体市场展望 (2018年度-2032年度)

• 市场规模分析与预测
  • 金额
• 市占率分析与预测
  • 依类型
  • 依部署
  • 依最终用户
  • 依地区
  • 市占率分析：依公司 (价值) (前5名公司及其他 -2024年度)
• 市场地图分析 (2024年)
  • 依类型
  • 依部署
  • 依最终用户
  • 依地区

第6章 供需分析

第7章 价值链分析

第8章 波特五力分析

第9章 PESTLE分析

第10章 软体价格分析

第11章 市场动态

• 市场驱动因素
• 市场挑战

第12章 市场趋势与发展

第13章 案例研究

第14章 竞争态势

• 前5名市场领导者的竞争矩阵
• 前5名的公司的SWOT 分析
• 前10名主要企业状况
  • Vertafore, Inc.
  • Applied Systems, Inc.
  • Sapiens International Corporation
  • Zywave, Inc.
  • XDimensional Technologies, Inc.
  • Tigerlab Holding, AG
  • ADM Network, Ltd.
  • Artivatic Data Labs Pvt Ltd.
  • Applied Systems, Inc.
  • LifeGuide Financial Advisors, LLC

第15章 策略建议

第16章 关于本公司，免责声明

Japan insurance agency software market is projected to witness a CAGR of 5.78% during the forecast period FY2025-FY2032, growing from USD 358.88 million in FY2024 to USD 562.57 million in FY2032. Insurance agency software provides insurance companies with the tools for performing functions such as premium calculation, underwriting, customer care management, and regulatory compliance. Advanced models of this tool integrate AI and machine learning to enhance functionality and increase their processing capability, making them one of the key elements in gaining efficiency and effectiveness in modern insurance practice.

Consequently, continuously evolving customer expectations drive the growth of the insurance agency software market in Japan for frictionless digital engagement, personalized services, and speedier claims processing. Since AI and machine learning form vital technologies in addressing these demands by enhancing the level of accuracy and productivity, this is increasingly accelerating the pace of adoption amidst growing requirements for increased digital engagement.

The technological innovations, along with the growing demand by consumers, have been acting as catalysts for the rapid growth in the Japan insurance agency management software market. Major industry participants are concentrating on the development of high-tech products using large-scale investments in R&D. Favorable government initiatives coupled with encouraging regulations further accelerate the market growth. Increasing disposable incomes and emerging trends toward preference for premium and value-sustainable products further support the market's growth. Consequently, more firms are focusing on providing products and enhancing their business practices to meet the standards of going green. This would mean a significant development in the economic growth of the nation and a strong growth for the insurance agency management software market in Japan.

For instance, in December 2023, Akur8, a French startup founded in 2018, developed a machine-learning and data-driven insurance pricing platform in Japan that automates and optimizes pricing business processes in the insurance industry and has been providing services to over 100 companies in 40 countries worldwide.

Digital Transformation is Shaping Japan's Insurance Market

Digital transformation is one of the key drivers for phenomenal growth in the Japanese insurance market. A rising number of insurers are adopting advanced technologies such as AI, ML, and Big Data Analytics to improve their business operations. Advanced technologies allow the automation of complex processes for valuable insight into data and informed decision-making. For instance, AI can speed up the process of claims by automatically evaluating and confirming claims based on set conditions, therefore saving time and effort taken for manual checks. Big data analytics helps insurers know their customers' behavior and preference, hence designing more personalized insurance products and services. Moving to digital solutions will smoothen the operations and please customers by offering speedy and accurate service delivery.

For instance, in April 2024, Oracle revealed a USD 8 billion investment in cloud computing and AI Infrastructure in Japan. This significant investment aims to cater to the country's increasing demand for cloud services and advanced technological capabilities.

The Impact of Japan's Aging Population on Insurance Needs

The second important driver for the growth of the insurance market is Japan's aging population. With one of the highest life expectancies in the world, Japan has an increasing requirement for long-term care and life insurance products. The elderly population requires comprehensive insurance coverage to finance health care costs and ensure financial security in old age. This, therefore, has been changing the nature of the insurance business by innovating products for older adults in the form of long-term care insurance and annuities. More importantly, aging has forced insurers to adopt technologies enabling remote consultations and digital health monitoring to easily have elderly customers served with ease. The focus on the aging population, while filling an extremely critical market need, increasingly drives the innovation in insurance products and services.

For instance, in December 2023, The Ministry of Health, Labor, and Welfare (MHLW) in Japan proposed an increase in long-term care insurance premiums for individuals aged 65 and above having high incomes. This proposal aims to address the growing financial demands of Japan's aging population and ensure the sustainability of the long-term care insurance system. The proposed changes are part of broader efforts to balance the financial burden more equitably among different income groups.

The Role of Regulatory Compliance in Japan's Insurance Industry

The insurance industry in Japan is regulated by the Financial Services Agency, commonly known as FSA, and the Local Finance Bureau of the Ministry of Finance, which work to ensure that insurers conform to a set of strict guidelines and standards. These include laws on licensing of operations, solvency, and reserve requirements, investment regulations, and others. These regulations are very important in relation to market stability and protection of the interests of policyholders. Positively, insurance software solutions have been developed to help insurers fulfill these requirements efficiently through automation of compliance processes, reporting with high accuracy, and data security. Insurers operating in this market can thus use technology effectively to achieve ease in compliance, while they focus on the core aspect of providing quality service with the least risk of regulatory breach.

For instance, the FSA requires insurance companies to maintain specific solvency margins to ensure they can meet their long-term obligations to policyholders. This involves calculating the solvency margin ratio, which is a measure of an insurer's financial health and ability to withstand financial shocks. To comply with these regulations, many insurers in Japan have adopted advanced insurance software solutions. These systems automate the process of calculating solvency margins, generating accurate reports, and ensuring data security.

Dominance of Cloud-based Segment Software

In Japan insurance agency software market, cloud-based solutions are more widely used among insurers. The adoption of cloud-based insurance software has been driven by its cost-effectiveness, scalability, and flexibility features. Cloud-based systems allow insurers to access applications, data storage, and computing power on-demand, which is particularly beneficial for managing large volumes of data and ensuring seamless operations.

While on-premises solutions are still in use, the trend is shifting towards cloud-based systems due to several benefits, such as cost-effectiveness for insurers as it doesn't require major upfront investments in hardware and infrastructures. It allows insurers to opt for pay-as-you-go models that support economic scaling by reducing maintenance costs. Apart from this, cloud systems are scalable, so insurers can scale up and down depending on demand and, therefore, manage sudden peaks in data volumes during catastrophes. The flexibility of cloud-based systems allows for remote work to be enabled through access to applications and data from anywhere on any device connected to the internet. This boosts productivity and business continuity. Additionally, the cloud-based solution has emerged as part of a wider insurance market digital transformation that will embrace the emerging technologies of AI, ML, and big data analytics to enable business process automation, efficiency enhancement, and fact-based decisions.

For instance, in April 2024, Microsoft announced it would invest USD 2.9 billion over the next two years to increase its hyperscale cloud computing and AI infrastructure in Japan. It will expand its digital skilling programs to provide AI skills to more than 3 million people over the next three years, open its first Microsoft Research Asia lab in Japan, and deepen its cybersecurity collaboration with the government of Japan. This will help insurance software companies scale AI-driven cloud-based software and increase awareness about cloud computing.

Central Region of Japan Dominates Insurance Agency Software Market Share

The Central region, especially the Kanto area, is Japan's economic and financial center. Many insurance companies, financial institutions, and multinational corporations are headquartered or base their operations in Tokyo. With so many large enterprises, highly functional insurance software enhances operational efficiency and is in high demand.

In addition, Tokyo and its metropolitan area are known for technology and innovation. It is a hub of technology-savvy companies and a pool of high labor, driving the development and adoption of sophisticated insurance software. The region's dynamic atmosphere encourages digital transformation initiatives, integrating cloud-based AI-driven solutions. Excellent infrastructure and connectivity rope in the region is characterized by high-speed internet and an advanced system of communication that further facilitates the deployment of modern insurance technologies. Also, the heterogeneous customer segments of the Central region range from individual policyholders to business houses and build up demands for strong and flexible insurance software solutions.

One of the most well-known examples of digital transformation in Tokyo's insurance industry is Tokio Marine Holdings. The firm has been using advanced technology to create better advantages over its existing services. It established an incubator for startup firms with regards to bringing new products related to digital insurance. This is facilitated by Tokyo's vibrant high-tech environment and labor force for the incubation process.

Future Market Scenario (FY2025 - FY2032F)

Digital tools automate key processes such as claims and policy management, cutting costs, and improving resource use, while real-time analytics enhance service personalization.

Cloud solutions will provide scalability and flexibility, helping insurers handle peak demands and improve their services in the forecast period.

Unique demographic features such as the aging population and high population density will aid the growth of the insurance and insurance agency software market.

Key Players Landscape and Outlook

The competitive landscape of Japan insurance agency management software market is highly diverse, with participants ranging from long-standing industry players to new entrants bringing innovative ideas and approaches. This dynamics is driven by the need for ongoing innovation and the capability of customized solutions targeted at specific needs. It is a fact that success in this arena increasingly relies on a company's capability to harness innovative technologies and make rapid adjustments to the evolving trends in the market. The organizations that can implement more advanced technological solutions, are more agile to the evolution of customer demand, likely to hold an advantage in the ever-changing environment.

In August 2024, Applied Systems was recognized as a Global 5-Star Insurance Technology Provider by Insurance Business. Applied received the award for its continued commitment to alleviating long-standing industry challenges through innovation and fully connecting the Digital Roundtrip of Insurance, delivering a seamless end-to-end experience for all stakeholders.

In March 2024, DUAL Group won Celent Model Insurer Award, which recognizes insurance companies for excellence and innovation in their use of technology for Boosting Productivity and Revenue with the implementation of Vertafore's MGA Systems.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Software and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Features and Other Value-Added Service
  • 4.3.2. IT Infrastructure Compatibility
  • 4.3.3. Efficiency of Solutions
  • 4.3.4. After-Sales Support
• 4.4. Consideration of Privacy and Regulations

5. Japan Insurance Agency Software Market Outlook, FY2018-FY2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Type
    • 5.2.1.1. Life Insurance
    • 5.2.1.2. Auto Insurance
    • 5.2.1.3. Accident and Health Insurance
    • 5.2.1.4. Home Insurance
    • 5.2.1.5. Property and Casualty Insurance
    • 5.2.1.6. Travel Insurance
    • 5.2.1.7. Others
  • 5.2.2. By Deployment
    • 5.2.2.1. On-premises
    • 5.2.2.2. Cloud
  • 5.2.3. By End-user
    • 5.2.3.1. Small Business
    • 5.2.3.2. Medium-sized Business
    • 5.2.3.3. Large Business
  • 5.2.4. By Region
    • 5.2.4.1. North
    • 5.2.4.2. Central
    • 5.2.4.3. South
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2024
  • 5.3.1. By Type
  • 5.3.2. By Deployment
  • 5.3.3. By End-user
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Software Pricing Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Vertafore, Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Applied Systems, Inc.
  • 14.3.3. Sapiens International Corporation
  • 14.3.4. Zywave, Inc.
  • 14.3.5. XDimensional Technologies, Inc.
  • 14.3.6. Tigerlab Holding, AG
  • 14.3.7. ADM Network, Ltd.
  • 14.3.8. Artivatic Data Labs Pvt Ltd.
  • 14.3.9. Applied Systems, Inc.
  • 14.3.10. LifeGuide Financial Advisors, LLC

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Japan Insurance Agency Software Market, By Value, In USD Million, FY2018-FY2032F
• Figure 2. Japan Insurance Agency Software Market Share (%), By Type, FY2018-FY2032F
• Figure 3. Japan Insurance Agency Software Market Share (%), By Deployment Type, FY2018-FY2032F
• Figure 4. Japan Insurance Agency Software Market Share (%), By End-user, FY2018-FY2032F
• Figure 5. Japan Insurance Agency Software Market Share (%), By Region, FY2018-FY2032F
• Figure 6. By Type Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 7. By Deployment Type Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 8. By End-user Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 9. By Region Map-Market Size (USD Million) & Growth Rate (%), FY2024