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Ultimately, BofA is not predicting the overnight disappearance of the human insurance agent, nor is it suggesting that massive corporations like Coca-Cola will suddenly buy complex insurance policies from a chatbot. However, BofA warns that an agency business currently perceived as having 3% to 7% organic revenue growth could see that slip to 1% to 5% in the face of disruptive technology. BofA concludes that with 10% to 20% of current business potentially facing disintermediation, the industry’s premium valuations leave very little room for error.
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In another example, Eufy makes video doorbells that, like most, have motion sensors in them that can detect when someone is at your door. You can also buy additional motion sensors and put them in your driveway. When the motion sensor is tripped, it tells the doorbell, and the doorbell starts recording and sends you an alert to let you know that something is outside.
Фото: Кирилл Зыков / РИА Новости
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