“In order to be successful, you need to make sure that your gross margin is right and your profit margin is right,” he says of navigating those cost shocks.
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In 1992, in a small shop in British Columbia, a sign maker named Blair Gran stared at a wall full of half-finished jobs and felt something click. Sign-making was treated like a commodity — orders in, banners out — but as thousands of signs came through his shop, he couldn’t help but notice the difference between the good ones and the bad ones. He could see that every sign that left his shop was either helping a business get noticed, or letting it disappear in plain sight.
瑞士再保险公司的研究表明保险公司近些年面临成本提升过快的难题，诉讼周期更长、律师费与专家费更高。而AI黑盒的广泛引用进一步放大了这一点，抬高了非标争议、算法审计、取证复杂度与专家证人的费用。于是每一次理赔都可能是一场关于边界与准则的司法辩论，保险公司的要先付出多少不可逆的辩护与审计成本。
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Фото: Kenny Holston/The New York Times / Reuters