premiums for reference. , and can even advertise "Today's Auto Insurance Discount" on the Internet to attract people to apply for insurance34 ; another example is DirectAsia , which applies online insurance to directly provide customers with insurance products, and can freely adjust the premium and scope. The challenge of insurance digitalization in Taiwan, three directions that can be worked hard On the other hand, in Taiwan, although online insurance has been implemented, it is limited, and what the public can obtain is only a "simple version" insurance service. If the digitalization of insurance is an inevitable development trend, referring to foreign systems, Taiwan's policies can be considered in the following directions: 1.
FinTech development: National policies should old picture restoration be able to support the development of FinTech and build a FinTech ecosystem so that technology can serve the financial needs of consumers. 2. Implement financial innovation: Whether through mechanisms such as "supervision sandbox" or "business trial", policies must accelerate financial innovation 3. Digital financial governance: globalization and digitization are challenging the current supervisory authority to control the country's financial pulsating role. Supervision agencies must have digital thinking and think about digital financial governance methods to ensure financial stability and information security.
Through the opening of laws and regulations, the upgrading of the insurance industry will be faster, so that the public can benefit from this and buy products that truly meet their needs and have practical protection. Especially in the post-epidemic era, if we can combine big data, the Internet of Things and artificial intelligence, etc., and use financial technology to allow people to choose appropriate insurance products according to their insurance protection needs, and reduce unnecessary interpersonal contact, perhaps we can truly achieve The purpose of insurance "risk passing".