Society is changing rapidly. We’re building smart cities, we are conjuring up organs from a 3D printer, and more and more factories are able to operate with fewer and fewer employees. This is all made possible by great leaps forward in areas such as robotics, artificial intelligence, telematics, big data, machine learning, nanotechnology and the internet of things.
This also has a large influence on the areas in which Achmea moves with its brands and services. Think about it. More and more, we are using wearables to monitor our health. Cars not only take over actions from drivers, they even drive themselves. Smart homes allow us to remotely control lighting, energy use, temperature and entertainment, and alert us to break-ins, fire and flooding.
And there are more things in the world that affect us. The political climate is turbulent, both domestically and abroad. The economy has recovered, but will grow moderately at best in the coming years. Continuing low interest rates are bringing down our investment results. Supervisors, politicians and society follow our activities very closely (and rightly so), as well as the cost of those activities. Competition in our market is increasing, and organisations are increasingly being judged on their social added value.
Uncertainty remains a fact of life. Traditional risks (damage to your car or house) may be decreasing due to technological developments, but new risks are appearing in their place: cybercrime, identity fraud, data loss. Other risks are likely to be greater than expected, such as climate change.
There is therefore still a need for help in dealing with risks. How we address this is changing. Besides our existing role (compensating and preventing damage), we are increasingly helping our customers to maintain or achieve something. A healthy, fit mind and body, a feeling of security, a pleasant living environment, and financial planning that takes into account new uncertainties, new opportunities and an enterprising life.