日本の保険代理店ソフトウェア市場の評価：タイプ別、展開タイプ別、エンドユーザー別、地域別、機会、予測（2018年度～2032年度）

日本の保険代理店ソフトウェアの市場規模は、2024年度の3億5,888万米ドルから2032年度に5億6,257万米ドルに達すると予測され、CAGRで5.78％の成長が見込まれます。保険代理店ソフトウェアは、保険料計算、引受、顧客ケア管理、規制遵守などの機能を実行するためのツールを保険企業に提供します。このツールの先進のモデルは、AIと機械学習を統合して機能を強化し、処理能力を高めているため、現代の保険実務において効率性と有効性を得るための主な要素の1つとなっています。

その結果、継続的に進化する顧客の期待が、円滑なデジタルエンゲージメント、個別化されたサービス、より迅速な保険金請求処理に向け、日本の保険代理店ソフトウェア市場の成長を後押ししています。AIと機械学習は、精度と生産性のレベルを向上させることで、こうした需要への対応に不可欠な技術を形成しているため、デジタルエンゲージメントの向上に対する要求が高まる中、採用のペースはますます加速しています。

技術革新と消費者の需要の高まりが、日本の保険代理店ソフトウェア市場の急成長のカタリストとなっています。業界の大手企業は、研究開発への大規模な投資を行い、ハイテク製品の開発に注力しています。政府の積極的な取り組みと奨励的な規制が、市場成長をさらに加速させています。可処分所得の増加や、プレミアム商品やバリューサステナブル商品を選好する新たな動向は、市場の成長をさらに後押ししています。その結果、より多くの企業がグリーン化の基準を満たす製品を提供し、ビジネス慣行を強化することに注力しています。このことは、日本の経済成長の大きな発展と保険代理店ソフトウェア市場の力強い成長を意味します。

例えば、2018年に設立されたフランスのスタートアップAkur8は、2023年12月、保険産業の価格設定業務プロセスを自動化・最適化する機械学習データ駆動型の保険価格設定プラットフォームを日本で開発し、世界40ヶ国、100を超える企業にサービスを提供しています。

デジタルトランスフォーメーションが日本の保険市場を形成する

デジタルトランスフォーメーションは、日本の保険市場を驚異的に成長させる重要な促進要因の1つです。AI、ML、ビッグデータアナリティクスなどの先進技術を採用し、業務改善に取り組む保険企業が増えています。先進技術は複雑なプロセスを自動化し、データに基づいた価値ある知見と情報に基づいた意思決定を可能にします。例えば、AIは設定された条件に基づいて自動的に保険金請求の評価と確認を行うことで、保険金請求のプロセスを迅速化し、手作業によるチェックにかかる時間と労力を節約することができます。ビッグデータアナリティクスは、保険企業が顧客の行動や選好を把握し、よりパーソナライズされた保険商品やサービスを設計するのに役立ちます。デジタルソリューションに移行することで、業務がスムーズになり、迅速かつ正確なサービス提供によって顧客に喜ばれます。

例えば2024年4月、Oracleは日本におけるクラウドコンピューティングとAIインフラへの80億米ドルの投資を明らかにしました。この大規模な投資は、クラウドサービスと先進の技術力に対する同国の需要の高まりに対応することを目的としています。

保険ニーズに対する日本の高齢化の影響

保険市場の成長の第2の重要な促進要因は、日本の高齢化です。世界でも有数の長寿国である日本では、介護保険や生命保険商品に対するニーズが高まっています。高齢者層は、医療費を賄い、老後の経済的保障を確保するために、包括的な保険への加入を必要としています。そのため、介護保険や年金というかたちで高齢者向け商品を革新することで、保険事業の性質が変わりつつあります。さらに重要なことは、高齢化によって保険企業は、高齢の顧客に簡単にサービスを提供できるよう、遠隔診察やデジタルヘルスモニタリングを可能にする技術を採用せざるを得なくなっていることです。高齢化社会への注目は、極めて重要な市場ニーズを満たす一方で、保険商品やサービスのイノベーションをますます促進しています。

例えば、日本の厚生労働省は2023年12月、65歳以上の高所得者に対する介護保険料の引き上げを提案しました。この提案は、日本の高齢化に伴う財政需要の増大に対処し、介護保険制度の持続可能性を確保することを目的としています。提案されている変更は、異なる所得層間で財政負担をより公平に均衡させるための広範な活動の一部です。

当レポートでは、日本の保険代理店ソフトウェア市場について調査分析し、市場規模と予測、市場力学、主要企業の情勢と見通しなどを提供しています。

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

• ソフトウェアと市場情報
• ブランド認知の方式
• 購入決定において考慮される要素
  • 機能とその他の付加価値サービス
  • ITインフラの互換性
  • ソリューションの効率
  • アフターサポート
• プライバシーと規制の考慮

第5章 日本の保険代理店ソフトウェア市場の見通し（2018年度～2032年度）

• 市場規模の分析と予測
  • 金額
• 市場シェア分析と予測
  • タイプ別
  • 展開別
  • エンドユーザー別
  • 地域別
  • 市場シェア分析：企業別（金額）（上位5社とその他 - 2024年度）
• 市場マップ分析（2024年度）
  • タイプ別
  • 展開別
  • エンドユーザー別
  • 地域別

第6章 需給分析

第7章 バリューチェーン分析

第8章 ポーターのファイブフォース分析

第9章 PESTLE分析

第10章 ソフトウェアの価格分析

第11章 市場力学

• 市場促進要因
• 市場の課題

第12章 市場の動向と発展

第13章 ケーススタディ

第14章 競合情勢

• マーケットリーダー上位5社の競合マトリクス
• 上位5社のSWOT分析
• 主要企業上位10社の情勢
  • 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 戦略的推奨

第16章 当社について、免責事項

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

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