what about OPIN?

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For this to actually happen, it is essential that insurance brokers lead this process, as these professionals are the link between society and the risk protection industry. If OPIN places the customer at the center of everything – like the Sun in our solar system – the broker is the gravitational force that keeps all the planets (stakeholders of the insurance industry) orbiting harmoniously and efficiently around the biggest star, the insured.

With the importance of the broker's role in mind, if we apply the 6 Ds framework to OPIN, we can foresee the following journey:

1. Digitalization: The Connected Broker

The digitalization of the customer brazil mobile database and integration APIs allowing insurance brokers – through their SPOCs – to access and process information more efficiently, increasing the quality of services provided to the customer.

2. Disappointment: Overcoming Skepticism

The disappointment phase may bring initial doubts about the security of processes and data processing. However, the security protocols that have already been widely tested in Open Banking worldwide and the robust legal framework based on the LGPD bring the necessary confidence. At this stage, one can also question the relevance of the broker in the digital age. However, brokers who update themselves show that the human factor is irreplaceable and further enhance the process automation tools that technology allows.

3. Disruption: Brokers as Innovators

Disruption occurs as brokers lead the adoption of new technologies and business models. They show the way for the customer - who experiences a new way of relating to risk protection solutions - exploring innovative means of interaction and personalization.

4. Dematerialization: The New Face of Brokers

Dematerialization means the transformation of the role of the insurance broker. These professionals are true evangelists of the culture of risk protection, using digital tools to reach an audience that has never been aware of the need for and accessibility of insurance products. These are consultants who master digital media, offering personalized insights and guidance without losing the humanization of the relationship.

5. Demonetization: Creating Value

Demonetization allows brokers to offer more accessible, personalized and efficient services. The technologies used in the processes allow not only to reduce costs, but also to improve the customer experience, increase the perception of added value, calculate the insured risk more assertively and drastically reduce fraud. With less friction and losses, it is possible to reduce the cost to the consumer and preserve the margins that keep the business healthy at the same time.

6. Democratization: Risk Protection Within Reach of Everyone

Democratization makes insurance more accessible, and brokers play a vital role in this. They are entrusted with the noble mission of making risk protection solutions more understandable and accessible to all levels of society, contributing to the creation of a safer and more predictable environment for people and businesses and paving the way for prosperity for the entire society.