삼성금융 C-Lab Outside

Project Overview

   - Propose strategies to strengthen insurance sales, including support for FC (Financial Consultant) activities and training, branch meeting/lecture support, activation of group insurance and non-face-to-face channels, and consumer protection.

Examples of Collaboration Topics

□ FC Sales Activity Support Solutions

   - Recommend FC scheduling and routing by automatically sorting and suggesting the optimal customer visit order (considering the shortest distance, meeting time, etc.).

   - Automatically recommend and suggest next tasks by analyzing memos or activity data logged by FCs.

   - Support FC activities, such as executing online marketing consent forms by tagging a customer's smartphone on a wearable NFC card lanyard.

   - Propose integrations of new technologies, such as connecting our FC sales support services to wearable devices like smart glasses.

□ FC Training Support Solutions

   - Extract core content from learning materials (images, text) to automatically generate and provide content scenarios or videos (short-form, etc.) to FCs.

   - Propose training support methods, such as insurance product sales (role-play) scripts, real-time coaching, and comprehensive reports to enhance FCs' face-to-face consultation capabilities.

   - Provide branch/regional meeting and lecture support services incorporating technologies like holograms, virtual human generation, and multilingual translation.

□ Integrated Group Insurance Management Solutions

   - Streamline group insurance contract maintenance tasks, such as the automatic modification/registration of insured individuals, and propose B2B services for corporate clients.

□ Non-Face-to-Face Channel (Samsung Life Direct) Support Solutions

   - Classify the attributes of customers who drop off during the insurance subscription stage on the Direct site, and provide conversational guides to counselors for follow-up marketing calls.

□ Enhancing Consumer Protection (e.g., Voice Phishing Prevention)

   - Detect and prevent voice phishing situations involving customers through facial/voice recognition technologies.

Project Overview

   - Propose strategies to strengthen core business competitiveness utilizing generative AI technology.

Examples of Collaboration Topics

□ AI Agent Advancement

   - Propose insurance subscription design services, such as advancing the algorithm to recommend special insurance clauses tailored to the customer's situation and needs while maintaining conversational context.

   - Develop a GA (General Agency) channel Agent that summarizes and provides our insurance subscription design methods, underwriting standards, and product details for design managers at GAs.

□ Implementation of AI-based Counselors and Call Center Advancement

   - Provide guidance such as concierge services using AI counselors and expected insurance claim inquiries.

   - Assist call center operations by extracting and analyzing context and intent from customer speech to detect product preferences or negative signals during consultations.

   - Understand and analyze customer requirements (text) in calls and chats to recommend optimal loan products and automatically suggest execution/repayment schedules.

□ Automatic Derivation of Subscription/Claim Underwriting Standards Based on Insurance Terms

   - Automatically generate insurance policies and cross-verify terms and policies based on payment rationale and payment standard tables of insurance terms using AI technology.

   - Generate and structure insurance payment underwriting rules based on Retrieval-Augmented Generation (RAG).

   - Automatically generate meaning-centric chunks during document preprocessing, express relationships in a graph format, or attach metadata to improve internal search accuracy.

□ Establishing Evaluation/Observation Infrastructure for AI Adoption in Finance

   - Visualize, track, and monitor an agent's autonomous judgments and behavioral paths, and develop an evaluation framework for multi-agent environments.

   - Propose mechanisms to analyze the root cause when errors or hallucinations occur and automatically reflect this in a feedback loop to enable self-correction of behavior.

Project Overview

   - Propose customer-facing services or strategies to strengthen core business competitiveness based on medical/financial MyData, external data, and blockchain technology.

Examples of Collaboration Topics

□ Solutions Utilizing Medical/Financial MyData

   - Propose precision healthcare services tailored to customers' health conditions (diseases, medications, lifestyle habits, etc.) utilizing medical MyData.

   - Develop history inquiry and analysis solutions for insurance policy conversion/cancellation/re-subscription utilizing financial MyData; develop insurance policy retention scoring/models; or propose models to identify customers with loan product demand and related marketing integration strategies.

□ Solutions Utilizing External Data

   - Derive investment trends and strategies based on global ETF/stock data, and support alternative asset valuation through the analysis of unstructured reports (e.g., news).

   - Visualize the status and trends of industrial accidents by workplace region/industry, and generate reports estimating the damage scale and cost impact in the event of an accident.

□ Blockchain-based Lifecycle Asset Management (STO/RWA) Data Models

   - Propose a virtuous capital cycle model and data analysis plan to prevent the external outflow of paid insurance claims and encourage automatic reinvestment into Security Token Offerings (STOs) and funds.

   - Maximize Customer Lifetime Value (LTV) based on whole-life insurance liquidation data (e.g., at retirement), discover new selling points linked with asset management products, and derive upselling strategies.

□ Smart Contract/Oracle-based Parametric Data Integration Solutions

   - Build an Oracle integration system that collects medical (diagnosis codes) and public external data in real-time and cross-verifies data integrity.

   - Design an automated insurance logic that instantly pays out claims via smart contracts without requiring the customer to file a claim (Zero-Claim process), based on the collected objective indicators.

Project Overview

   - Propose healthcare strategies to support senior living customers/workers, create value-added services for insurance products, or integrate with 'The Health' (platform/service).

Examples of Collaboration Topics

□ Senior Living Support Solutions

   - Measure biomarkers (respiration, heart rate, etc.) for facility residents, detect bed exits and fall risks, and build a dashboard for administrators and guardians.

   - Provide daily life support services for seniors, including cognitive ability measurement/improvement, strength training support, and leisure activities.

   - Propose ways to improve the operational efficiency of nursing facility staff, such as automatically drafting care logs using voice recognition and recording care tasks (medication, treatment, etc.) in real-time.

□ Healthcare Services Linked to Insurance Products / 'The Health'

   - Provide information on medical institutions and renowned doctors tailored to the customer's situation (symptoms, region, purpose of treatment, etc.) during customer consultations at care centers linked to product value-added services.

   - Develop customized disease management services based on user health conditions, addressing chronic diseases (hypertension, diabetes, obesity, etc.) and severe illnesses.

   - Create lifestyle habit-forming content designed to encourage continuous use of 'The Health'.

Project Overview

   - Improve the accuracy and productivity of insurance operational processes using AI and data.

Examples of Collaboration Topics

□ Establishment of an AI-based Real-time Document/Image Forgery Detection System

   - Prevent insurance fraud and improve operational inefficiencies by detecting whether documents or images have been forged or altered during the insurance claim process.

□ Establishment of a Mobile AI-OCR-based Claim Document Omission Check/Notification Process

   - Utilize an AI-OCR solution that can be implemented in a mobile environment to check for missing documents during insurance claims and notify customers in real-time.

□ AI-Based Image Recognition Model Development for Auto Insurance Endorsement Document Assessment and Classification

   - Streamline operational processes and improve the customer experience by evaluating and classifying images of safety device proof documents when customers subscribe to auto insurance.

□ Development of an AI-Enabled Automation Solution for Overseas Private Equity Fund Capital Transaction Operations

   - Automate data entry by applying document parsing technology to collect key data from request documents sent by global asset management companies and integrating it with internal systems.

Project Overview

   - Expand the role of insurance into the prevention and management domain by linking it with existing products and services.

Examples of Collaboration Topics

□ Development of an AI-based Auto Residual Value Evaluation/Management Solution

   - Develop a solution capable of evaluating residual value by combining external data with Samsung Fire & Marine Insurance data, and manage this residual value by linking it with the company's services.

□ Establishment of a Disaster Response Management System Based on AI Video Analysis Technology

   - Expand into the risk prevention by developing and applying a system that proactively analyzes and manages corporate disaster responses using AI video analysis technology.

Project Overview

   - Expand the business scope and verify business viability by entering new markets.

Examples of Collaboration Topics

□ Liquidity Enhancement of infrastructure Investment Securities through Tokenization

   - Attempt to securitize infrastructure investment assets using token securities and explore leveraging this as a new fundraising opportunity.

Project Overview

   - Attempt to explore risks and business opportunities by preemptively securing deep-tech-based new technologies.

Examples of Collaboration Topics

□ Verification of Data-based Preemptive Effects Before Commercialization of Autonomous Driving and Robotics Insurance

   - Promote the review of data necessary for insurance product development and drive the development of embedded insurance products through technology and market verification in the autonomous driving and robotics sectors.

Project Overview

   - Apply AI technology across overall credit card business processes—including card payments, card issuance and underwriting, marketing, and information security—to improve operational efficiency and the customer experience.

Examples of Collaboration Topics

□ AI-based Operational Efficiency Improvement

   - Introduce an internal AI Agent for decision-making support and process improvement.

   - Improve marketing efficiency by generating virtual customers using AI and optimizing generative AI responses (e.g., generating AI-based virtual/synthetic customers, creating AI-driven content).

□ Build AI Agent (A2A) System

   - Propose a collaborative model that connects Agents with external platforms (shopping, payments, travel, etc.) to complete the user journey from search to payment without leaving the app.

□ Strengthening Security via AI Information Protection and Fraud Detection

   - Prevent internal information leaks by utilizing AI security solutions.

   - Provide consultation risk and abnormal sign (e.g., fraud) detection services based on real-time conversation analysis technology.

Project Overview

   - Expand online and offline payment channels and enhance payment convenience by utilizing new technologies such as biometric authentication and blockchain.

Examples of Collaboration Topics

□ Responding to Changes in Payment Infrastructure

   - Expand card usage by mobile payment and benefits within external platforms (commerce, mobility, etc.).

   - Improve offline payment accessibility by integrating our services with payment machines in stores such as kiosks and table ordering systems.

□ Build new business (Stablecoins, Security Tokens, Digital Currencies, etc.)

   - Discover use cases for the issuance, storage, and usage of stablecoins.

□ Adoption of New Technologies to Improve Payment/Authentication Convenience

   - Establish a contactless payment environment utilizing biometric authentication technologies (facial, vein, etc.).

   - Adopt blockchain-based identity verification solution technologies.

Project Overview

   - Meet the needs of new customer segments—including seniors, future generations (Gen Zalpha, etc.), and foreigners—and develop new services.

Examples of Collaboration Topics

□ Customized Financial, Healthcare, and Life Care Services for Seniors

   - Provide senior-specialized financial services (pension, inheritance, gifting), senior care services (such as caregiver matching), and senior-specific shopping and travel services.

□ Development of Financial/Lifestyle Services for Future Generations (Infants, Adolescents, and College Students)

   - Provide customized content and financial services targeting Gen Zalpha.

   - Offer care services to help resolve childcare gaps.

□ Build digital financial services for foreigners

   - Improve financial usage convenience for foreigners on long-term or short-term (e.g., tourist) stays in Korea

Project Overview

   - Propose ways to find new business, manage risks, and refine credit scoring systems by using internal and external data.

Examples of Collaboration Topics

□ Developing New Business Models including Data Collection, Analysis, Combination, and Utilization

   - Strengthen external data collection capabilities and advance data analysis technologies.

   - Develop new data products by combining internal and external data.

□ Refining Alternative Credit Scoring based on Non-financial Data

   - Improve credit scoring discrimination capabilities by integrating alternative information (non-financial/unstructured data).

Project Overview

   - Propose differentiated service strategies unique to Samsung Securities by providing highly practical and usable investment information from the customer's perspective.

Examples of Collaboration Topics

   - AI Agents for Natural Language-based Conversational Stock Search and Analysis: Support interactive inquiries and analysis of stocks.

   - AI Investment Information Services for Overseas Stocks: Provide in-depth insights (excluding simple summaries).

   - Personalized Product Offerings Utilizing MyData: Tailor financial product recommendations to individual users.

Project Overview

   - Propose collaboration models applicable to marketing, development, and corporate sales utilizing generative AI technology.

Examples of Collaboration Topics

   - End-to-End AI Marketing Agents: Manage the entire marketing pipeline from data extraction and campaign dispatch to post-campaign analysis.

   - Small-scale Local LLM-based Coding Assistant Services: Assist developers with AI-driven coding support.

   - Solutions for Discovering Promising Unlisted Companies: Support corporate sales teams by identifying high-potential private enterprises.

Project Overview

   - Propose solutions and ideas to improve the operational efficiency of Samsung Securities' core business.

Examples of Collaboration Topics

   - Automated Corporate Financial Analysis and Valuation Solutions.

   - Mobile App/Web Error Log Collection Systems.

   - 24/7 Online Service Operation Monitoring: Respond to the extension of stock trading hours with round-the-clock monitoring.

   - Continuous Monitoring and Benchmarking: Compare online channel processing speeds, UI/UX, and performance against competitors on an ongoing basis.

Project Overview

   - Propose a mutually beneficial (win-win) business model through business proposals utilizing fintech support programs and data-driven verification.
     * Collaboration, such as application support, will be provided if the business proposal is selected.

Examples of Collaboration Tasks

   - Service Proposals for Applying to Entrusted Tests (Commissioned Testing).

   - Proposals for Linking with the D-Testbed Utilizing Samsung Securities Data.
     * Program Information Reference : Korea Fintech Center  (https://fintech.or.kr) D-Testbed (https://dtest.fintech.or.kr/)

Project Overview

   - Proposal for collaboration to expand new customers for Monimo, increase frequent app visits and engagement time, and explore the platform's business opportunities.

Examples of Collaboration Topics

□ Proposing services/content to increase consistent visits and engagement time

   - Proposing participatory services that encourage users to voluntarily spend time on the app.

   - Providing personalized financial and informational content.

□ Expanding financial and lifestyle services

   - Developing services that connect the platform with areas closely related to customers' daily lives, including finance, healthcare, travel, and shopping.

□ Developing services for future customer Future customer

   - Proposing customized services aimed at early customer acquisition of specific target demographics, such as teenagers (Generation Alpha), and expanding their financial experiences.

□ Creating new revenue streams utilizing platform traffic

   - Developing joint monetization business models with customers or partner companies using Monimo's traffic.

Project Overview

   - Ideas and solutions that leverage startup technologies and services to drive innovation in collaboration with Samsung Financial Services, beyond the challenges proposed under collaboration and common challenges by financial companies.