<\/p>\n\n\n\t\t
<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
Muuttuvassa markkinatilanteessa menestyv\u00e4t niin kutsutut \u201cInventive Insurers\u201d eli vakuutusten tarjoajat, jotka muokkaavat ketter\u00e4sti tuotetarjoomaansa asiakkaiden muuttuvien toiveiden ja tarpeiden mukaan.<\/p>\n\n\n\n
Digitaalisten palvelujen hy\u00f6dynt\u00e4minen ei en\u00e4\u00e4 ole kiinni i\u00e4st\u00e4, vaan vakuutusratkaisujen vertailu ja ostaminen verkosta ilman v\u00e4lik\u00e4si\u00e4 on nyt valtavirtaa kaikissa ik\u00e4luokissa. Capgeminin raportti kertoo, ett\u00e4 vuonna 2020 jo 64 prosenttia X-sukupolven edustajista ja sit\u00e4 vanhemmista[2]<\/a>tekee p\u00e4ivitt\u00e4in ostoksia ja maksaa laskuja verkossa. Osuus on yli kaksinkertaistunut vuodesta 2018 (30 prosenttia).<\/p>\n\n\n\nEsimerkiksi s\u00e4hk\u00f6isten pankkipalvelujen k\u00e4ytt\u00e4jin\u00e4 Suomi on Euroopan k\u00e4rjess\u00e4 yhdess\u00e4 Hollannin kanssa. Suomalaisista internetin k\u00e4ytt\u00e4jist\u00e4 94 prosenttia k\u00e4ytti s\u00e4hk\u00f6isi\u00e4 pankkipalveluita vuonna 2018. EU:n keskiarvo oli 64 prosenttia[3]<\/a>,<\/a>. COVID-19 -liikkumisrajoitukset vauhdittavat trendi\u00e4 edelleen, sill\u00e4 kuluttajien on nyt k\u00e4ytett\u00e4v\u00e4 digitaalisia kanavia p\u00e4ivitt\u00e4isten asioiden hoitoon i\u00e4st\u00e4 ja tietotekniikkaosaamisesta riippumatta.<\/p>\n\n\n\nVakuutusalalla uusi luottamustekij\u00e4<\/strong><\/h3>\n\n\n\nWorld Insurance Report 2020 jakaa t\u00e4m\u00e4n p\u00e4iv\u00e4n vakuutusasiakkaat sosiaalisen k\u00e4ytt\u00e4ytymisen ja ostomieltymysten perusteella nelj\u00e4\u00e4n kategoriaan: pioneerit[4]<\/a>, uteliaat[5]<\/a>, kokeilijat[6]<\/a> ja seuraajat[7]<\/a>. Asiakkaat eiv\u00e4t en\u00e4\u00e4 tee ostop\u00e4\u00e4t\u00f6ksi\u00e4\u00e4n vain yhden tiedonhakukanavan perusteella. He hy\u00f6dynt\u00e4v\u00e4t verkosta hakemaansa tietoa kuten arvosteluita tai perheen ja yst\u00e4vien kokemuksia ja valitsevat vakuutusturvansa itsen\u00e4isesti n\u00e4iden pohjalta. Asiakkaat uskaltautuvat kokeilemaan BigTech -yritysten ja tuotteiden valmistajien vakuutuksia, sill\u00e4 he kaipaavat helppoutta, ja markkinan ketter\u00e4t tulokkaat tarjoavat ylivertaisen asiakaskokemuksen.<\/p>\n\n\n\nKiinnostus BigTech-yritysten vakuutusratkaisuja kohtaan kasvaa nopeasti. Vuoden 2016 World Insurance Reportin tutkimuksessa vain 17 prosenttia vastasi harkitsevansa mahdollisesti vakuutuksen hankintaa Big Tech -yritykselt\u00e4, mutta vuoden 2020 tutkimuksessa osuus oli kaksinkertaistunut 36 prosenttiin.<\/p>\n\n\n\nYksil\u00f6llinen r\u00e4\u00e4t\u00e4l\u00f6inti avainasemassa<\/strong><\/h3>\n\n\n\nAsiakkaiden toiveiden ja tarpeiden kehittyess\u00e4 nopeammin kuin koskaan my\u00f6s asiakaskokemuksia on arvioitava ja kehitett\u00e4v\u00e4 jatkuvasti reaaliaikaisen datan pohjalta. Raportin mukaan yli 50 prosenttia valitsisi mieluiten k\u00e4ytt\u00f6\u00f6n perustuvan vakuutusturvan, joka olisi sek\u00e4 yksil\u00f6llisesti r\u00e4\u00e4t\u00e4l\u00f6ity ett\u00e4 tarjoaisi vastinetta rahoille, mutta vain alle puolet alan yrityksist\u00e4 tarjoaa sellaista.<\/p>\n\n\n\n\u201dKuluttajak\u00e4ytt\u00e4ytymisen muutos alkaa n\u00e4ky\u00e4 v\u00e4hitellen jo monessa kuluttamisen muodossa, kuten esimerkiksi leasing- ja yhteisk\u00e4ytt\u00f6autojen suosion lis\u00e4\u00e4ntymisess\u00e4. Kuluttajat suosivat omistamisen sijaan k\u00e4ytt\u00e4m\u00e4\u00e4n palveluita tai tuotteita, joissa vakuutus on jo automaattisesti sis\u00e4\u00e4n leivottuna. N\u00e4in riski siirtyy v\u00e4hitellen kuluttajalta palvelun tai tuotteen tarjoajalle, ja kuluttaja maksaa vakuuttamisesta osana palvelua\u201d, kertoo Capgemini Invent konsultoinnin maajohtaja Jarmo Kortelahti.<\/p>\n\n\n\nVaikka perinteiset vakuutusten tarjoajat ymm\u00e4rt\u00e4v\u00e4t, ett\u00e4 asiakkaan kohtaaminen juuri oikealla hetkell\u00e4 on t\u00e4rke\u00e4\u00e4, t\u00e4m\u00e4 ei toteudu k\u00e4yt\u00e4nn\u00f6ss\u00e4. Monilla ei esimerkiksi ole tarvittavia ty\u00f6kaluja ja tekniikoita tuotteen oikean myyntiajankohdan arvioimiseksi: vain 35 prosenttia vakuutusten tarjoajista k\u00e4ytt\u00e4\u00e4 digitaalisia ty\u00f6kaluja, jotka auttavat myyji\u00e4 huomioimaan t\u00e4rkeit\u00e4 tapahtumia asiakkaan el\u00e4m\u00e4ss\u00e4, kuten naimisiinmenon, lapsen syntym\u00e4n tai asuntokaupat. Ainostaan nelj\u00e4sosa uskoo t\u00e4llaisen asiakasdatan hy\u00f6dyllisyyteen.<\/p>\n\n\n\nAsiakasdataa voidaan ker\u00e4t\u00e4 moninaisista l\u00e4hteist\u00e4 (tietosuojalains\u00e4\u00e4d\u00e4nn\u00f6n puitteissa). Raportin mukaan vakuutusten tarjoajat saisivat paremman ymm\u00e4rryksen asiakkaidensa mahdollisista uusista tuotetarpeista hy\u00f6dynt\u00e4m\u00e4ll\u00e4 avointen rajapintojen ekosysteemej\u00e4.<\/p>\n\n\n\nKuluttajat hakevat yh\u00e4 enemm\u00e4n tietoa vakuutusvaihtoehdoista vertailusivustoilta ja yritysten omilta verkkosivuilta, mutta alle 30 prosenttia vakuutusten tarjoajista pit\u00e4\u00e4 omaa sivustoaan hy\u00f6dyllisen\u00e4 tietol\u00e4hteen\u00e4, ja vain 37 prosenttia uskoo asiakkaiden saavan arvokasta tietoa vertailusivustoilta. Vakuutusten tarjoajien kannattaa harkita panostusta verkkomyyntikanaviin, joissa asiakas pystyy vahvistamaan ostop\u00e4\u00e4t\u00f6ksens\u00e4 yhden napin painalluksella. Ilman saumattomia, monikanavaisia asiakaskohtaamisia, perinteiset vakuutusten tarjoajat eiv\u00e4t p\u00e4rj\u00e4\u00e4 uusille tulokkaille. 75 prosenttia asiakkaista olisi valmis vaihtamaan vakuutusten tarjoajaansa, jos vakuutusturvaan liittyv\u00e4\u00e4 palvelua ei saisi saumattomasti kaikissa kanavissa.<\/p>\n\n\n\nSelviytyj\u00e4t muuttuvat perinteisist\u00e4 ketteriksi<\/strong><\/h3>\n\n\n\nBigTech -yritysten ker\u00e4tess\u00e4 reaaliaikaista dataa puheohjautuvien avustajien, puettavan teknologian ja muiden \u00e4lylaitteiden sek\u00e4 chatbot-viestinn\u00e4n avulla, vain 38 prosenttia perinteisist\u00e4 vakuutusten tarjoajista k\u00e4ytt\u00e4\u00e4 asiakasdatan hankintaan reaaliaikaisia \u00e4lylaitteita ja 33 prosenttia puheen tai tekstin tunnistusta hy\u00f6dynt\u00e4vi\u00e4 keskusteluavustajia (esim. chatbotit).<\/p>\n\n\n\nRaportti toteaa, ett\u00e4 muuttuneessa markkinatilanteessa selviytyv\u00e4t ketter\u00e4t, kekseli\u00e4\u00e4t vakuutusten tarjoajat, jotka ymm\u00e4rt\u00e4v\u00e4t asiakkaiden tarpeita ja mieltymyksi\u00e4. Tulevaisuuden menestyj\u00e4t hy\u00f6dynt\u00e4v\u00e4t dataa useista ekosysteemeist\u00e4 ja tarjoavat sen pohjalta r\u00e4\u00e4t\u00e4l\u00f6ityj\u00e4, oikea-aikaisia tuotteita.<\/p>\n\n\n\n\u201cStrategisesti taitavat johtavat vakuutusten tarjoajat panostavat innovatiivisten ratkaisujen kehitt\u00e4miseen, sill\u00e4 ensiluokkainen asiakaskokemus on nyt t\u00e4rke\u00e4mpi kilpailutekij\u00e4 kuin koskaan\u201d, <\/em>Efman toimitusjohtaja John Berry<\/strong> toteaa.<\/em><\/p>\n\n\n\nSamoilla linjoilla on Jarmo Kortelahti. \u201dVoittajia ovat lopulta ne, jotka pystyv\u00e4t tarjoamaan viimeiseen asti r\u00e4\u00e4t\u00e4l\u00f6idyn asiakaskokemuksen ja ottamaan oikean aseman vakuuttamisen ekosysteemiss\u00e4. T\u00e4m\u00e4n mahdollistamiseen tarvitaan innovatiivisten palveluiden lis\u00e4ksi oikeat teknologiset kyvykkyydet ja rajapinnat kumppaneille. Skaalautuvuus ja uusien vakuutuspalveluiden kannattavuus ovat tekij\u00f6it\u00e4, joiden kanssa vakuutusyhti\u00f6t viel\u00e4 tekev\u00e4t t\u00f6it\u00e4, mutta uskon, ett\u00e4 asiakkaiden ja muiden toimijoiden muutos vauhdittaa my\u00f6s vakuutusalaa uudistumaan nopeammin\u201d<\/em>, arvioi Kortelahti.<\/p>\n\n\n\nRaportin toteutustapa<\/strong><\/h3>\n\n\n\nWorld Insurance Report 2020 -raportin p\u00e4\u00e4asiallisina l\u00e4htein\u00e4 on k\u00e4ytetty 2020 Global Insurance Voice of the Customer Survey- ja 2020 Global Insurance Executive Interviews -tutkimuksia. Yhdess\u00e4 tutkimukset kattavat 32 maata: Argentiina, Australia, Belgia, Brasilia, Kanada, Kiina, Kolumbia, Tanska, Suomi, Ranska, Saksa, Hongkong, Unkari, Intia, Italia, Japani, Malesia, Meksiko, Marokko, Alankomaat, Nigeria, Norja, Filippiinit, Portugali, Saudi-Arabia, Singapore, Espanja, Ruotsi, Sveitsi, Turkki, Iso-Britannia ja Yhdysvallat.<\/p>\n\n\n\n2020 Global Insurance Voice of the Customer Survey<\/strong><\/h3>\n\n\n\nKattavaan Voice of the Customer Survey -tutkimukseen, joka toteutettiin tammi- ja helmikuun 2020 aikana yhteisty\u00f6ss\u00e4 Phronesis-yrityksen kanssa, osallistui yli 8000 vakuutusasiakasta 22 maasta. Tutkimuksen tavoitteena oli hankkia kattavaa yleistietoa vakuutusasiakkaiden k\u00e4ytt\u00e4ytymisest\u00e4 ja mieltymyksist\u00e4 sek\u00e4 niiden roolista suhtautumisessa vakuutuksiin. Vastaajilta kysyttiin muun muassa el\u00e4m\u00e4ntyylist\u00e4, koulutuksesta ja ty\u00f6st\u00e4, sosiaalisista suhteista ja talousk\u00e4ytt\u00e4ytymisest\u00e4, ostomieltymyksist\u00e4 ja teknologiaosaamisesta sek\u00e4 vakuutustuotteiden valinnasta, ostokanavista ja -ajankohdista. Tutkimus kattoi my\u00f6s kysymyksi\u00e4 mahdollisista vakuutusyhti\u00f6n vaihtamisen syist\u00e4, kiinnostuksesta kokeilla uudenlaisia vakuutusmalleja ja valmiudesta hankkia vakuutusturvaa uusilta, ei-perinteisilt\u00e4 vakuutusten tarjoajilta.<\/p>\n\n\n\n2020 Global Insurance Executive Interviews<\/strong><\/h3>\n\n\n\nRaporttia varten haastateltiin yli 150 kokenutta vakuutusasiantuntijaa johtavista vakuutusyhti\u00f6ist\u00e4 29 maassa. Vastaajia oli mukana kaikilta kolmelta markkina-alueelta \u2013 Pohjois- ja Etel\u00e4-Amerikka, Eurooppa, L\u00e4hi-It\u00e4 ja Afrikka sek\u00e4 Aasian ja Tyynenmeren alue (mukaan lukien Japani).<\/p>\n\n\n\nCapgemini<\/strong><\/h3>\n\n\n\nCapgemini tarjoaa asiantuntija-, konsultointi-, suunnittelu- ja teknologiapalveluita asiakkaidensa toiminnan digitalisointiin. Globaalina edell\u00e4k\u00e4vij\u00e4n\u00e4 Capgemini-konsernilla on laaja-alainen kyky toimittaa asiakkailleen innovatiivisia digipalveluja, skaalautuvia pilviratkaisuja ja teknologiariippumattomia alustaratkaisuja. Syv\u00e4llisen toimialaosaamisen ansiosta Capgeminill\u00e4 on vahva jalansija eri toimialoilla toimivien asiakkaidensa strategisena kumppanina, joka tarjoaa monipuolisia palveluita strategiasuunnittelusta operatiivisen tason toteutukseen yli 50-vuotisen historiansa kokemuksella. Oikean teknologiaratkaisun liiketoiminnalle tuoma lis\u00e4arvo pohjautuu vahvasti asiantuntijuuteen ja Capgeminin t\u00e4rkeimp\u00e4\u00e4n voimavaraan: ihmisiin. Syv\u00e4sti monikulttuurisena organisaationa Capgemini ty\u00f6llist\u00e4\u00e4 globaalisti 270.000 ihmist\u00e4 l\u00e4hes 50 maassa. Capgemini-konsernin ja Altranin yhteenlaskettu liikevaihto vuonna 2019 oli 17 miljardia euroa.<\/p>\n\n\n\nLis\u00e4tietoa https:\/\/www.capgemini.com\/fi-en\/<\/a>. People matter, results count.<\/em><\/p>\n\n\n\nAbout Efma<\/strong><\/h3>\n\n\n\nA global non-profit organization, established in 1971 by banks and insurance companies, Efma facilitates networking between decision-makers. It provides quality insights to help banks and insurance companies make the right decisions to foster innovation and drive their transformation. Over 3,300 brands in 130 countries are Efma members. Headquarters in Paris. Offices in London, Brussels, Andorra, Stockholm, Bratislava, Dubai, Milan, Montreal, Istanbul, Beijing, Tokyo and Singapore. Learn more www.efma.com<\/a>.<\/p>\n\n\n\n[1]<\/a>BigTech -yritykset ovat monikansallisia teknologiaj\u00e4ttej\u00e4 kuten Google, Amazon, Facebook, Apple, Alibaba ym.<\/p>\n\n\n\n[2]<\/a> X-sukupolvea edustavat ja sit\u00e4 vanhemmat kuluttajat ovat syntyneet 1980-luvulla tai aiemmin.<\/p>\n\n\n\n[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Esimerkiksi s\u00e4hk\u00f6isten pankkipalvelujen k\u00e4ytt\u00e4jin\u00e4 Suomi on Euroopan k\u00e4rjess\u00e4 yhdess\u00e4 Hollannin kanssa. Suomalaisista internetin k\u00e4ytt\u00e4jist\u00e4 94 prosenttia k\u00e4ytti s\u00e4hk\u00f6isi\u00e4 pankkipalveluita vuonna 2018. EU:n keskiarvo oli 64 prosenttia[3]<\/a>,<\/a>. COVID-19 -liikkumisrajoitukset vauhdittavat trendi\u00e4 edelleen, sill\u00e4 kuluttajien on nyt k\u00e4ytett\u00e4v\u00e4 digitaalisia kanavia p\u00e4ivitt\u00e4isten asioiden hoitoon i\u00e4st\u00e4 ja tietotekniikkaosaamisesta riippumatta.<\/p>\n\n\n\nVakuutusalalla uusi luottamustekij\u00e4<\/strong><\/h3>\n\n\n\nWorld Insurance Report 2020 jakaa t\u00e4m\u00e4n p\u00e4iv\u00e4n vakuutusasiakkaat sosiaalisen k\u00e4ytt\u00e4ytymisen ja ostomieltymysten perusteella nelj\u00e4\u00e4n kategoriaan: pioneerit[4]<\/a>, uteliaat[5]<\/a>, kokeilijat[6]<\/a> ja seuraajat[7]<\/a>. Asiakkaat eiv\u00e4t en\u00e4\u00e4 tee ostop\u00e4\u00e4t\u00f6ksi\u00e4\u00e4n vain yhden tiedonhakukanavan perusteella. He hy\u00f6dynt\u00e4v\u00e4t verkosta hakemaansa tietoa kuten arvosteluita tai perheen ja yst\u00e4vien kokemuksia ja valitsevat vakuutusturvansa itsen\u00e4isesti n\u00e4iden pohjalta. Asiakkaat uskaltautuvat kokeilemaan BigTech -yritysten ja tuotteiden valmistajien vakuutuksia, sill\u00e4 he kaipaavat helppoutta, ja markkinan ketter\u00e4t tulokkaat tarjoavat ylivertaisen asiakaskokemuksen.<\/p>\n\n\n\nKiinnostus BigTech-yritysten vakuutusratkaisuja kohtaan kasvaa nopeasti. Vuoden 2016 World Insurance Reportin tutkimuksessa vain 17 prosenttia vastasi harkitsevansa mahdollisesti vakuutuksen hankintaa Big Tech -yritykselt\u00e4, mutta vuoden 2020 tutkimuksessa osuus oli kaksinkertaistunut 36 prosenttiin.<\/p>\n\n\n\nYksil\u00f6llinen r\u00e4\u00e4t\u00e4l\u00f6inti avainasemassa<\/strong><\/h3>\n\n\n\nAsiakkaiden toiveiden ja tarpeiden kehittyess\u00e4 nopeammin kuin koskaan my\u00f6s asiakaskokemuksia on arvioitava ja kehitett\u00e4v\u00e4 jatkuvasti reaaliaikaisen datan pohjalta. Raportin mukaan yli 50 prosenttia valitsisi mieluiten k\u00e4ytt\u00f6\u00f6n perustuvan vakuutusturvan, joka olisi sek\u00e4 yksil\u00f6llisesti r\u00e4\u00e4t\u00e4l\u00f6ity ett\u00e4 tarjoaisi vastinetta rahoille, mutta vain alle puolet alan yrityksist\u00e4 tarjoaa sellaista.<\/p>\n\n\n\n\u201dKuluttajak\u00e4ytt\u00e4ytymisen muutos alkaa n\u00e4ky\u00e4 v\u00e4hitellen jo monessa kuluttamisen muodossa, kuten esimerkiksi leasing- ja yhteisk\u00e4ytt\u00f6autojen suosion lis\u00e4\u00e4ntymisess\u00e4. Kuluttajat suosivat omistamisen sijaan k\u00e4ytt\u00e4m\u00e4\u00e4n palveluita tai tuotteita, joissa vakuutus on jo automaattisesti sis\u00e4\u00e4n leivottuna. N\u00e4in riski siirtyy v\u00e4hitellen kuluttajalta palvelun tai tuotteen tarjoajalle, ja kuluttaja maksaa vakuuttamisesta osana palvelua\u201d, kertoo Capgemini Invent konsultoinnin maajohtaja Jarmo Kortelahti.<\/p>\n\n\n\nVaikka perinteiset vakuutusten tarjoajat ymm\u00e4rt\u00e4v\u00e4t, ett\u00e4 asiakkaan kohtaaminen juuri oikealla hetkell\u00e4 on t\u00e4rke\u00e4\u00e4, t\u00e4m\u00e4 ei toteudu k\u00e4yt\u00e4nn\u00f6ss\u00e4. Monilla ei esimerkiksi ole tarvittavia ty\u00f6kaluja ja tekniikoita tuotteen oikean myyntiajankohdan arvioimiseksi: vain 35 prosenttia vakuutusten tarjoajista k\u00e4ytt\u00e4\u00e4 digitaalisia ty\u00f6kaluja, jotka auttavat myyji\u00e4 huomioimaan t\u00e4rkeit\u00e4 tapahtumia asiakkaan el\u00e4m\u00e4ss\u00e4, kuten naimisiinmenon, lapsen syntym\u00e4n tai asuntokaupat. Ainostaan nelj\u00e4sosa uskoo t\u00e4llaisen asiakasdatan hy\u00f6dyllisyyteen.<\/p>\n\n\n\nAsiakasdataa voidaan ker\u00e4t\u00e4 moninaisista l\u00e4hteist\u00e4 (tietosuojalains\u00e4\u00e4d\u00e4nn\u00f6n puitteissa). Raportin mukaan vakuutusten tarjoajat saisivat paremman ymm\u00e4rryksen asiakkaidensa mahdollisista uusista tuotetarpeista hy\u00f6dynt\u00e4m\u00e4ll\u00e4 avointen rajapintojen ekosysteemej\u00e4.<\/p>\n\n\n\nKuluttajat hakevat yh\u00e4 enemm\u00e4n tietoa vakuutusvaihtoehdoista vertailusivustoilta ja yritysten omilta verkkosivuilta, mutta alle 30 prosenttia vakuutusten tarjoajista pit\u00e4\u00e4 omaa sivustoaan hy\u00f6dyllisen\u00e4 tietol\u00e4hteen\u00e4, ja vain 37 prosenttia uskoo asiakkaiden saavan arvokasta tietoa vertailusivustoilta. Vakuutusten tarjoajien kannattaa harkita panostusta verkkomyyntikanaviin, joissa asiakas pystyy vahvistamaan ostop\u00e4\u00e4t\u00f6ksens\u00e4 yhden napin painalluksella. Ilman saumattomia, monikanavaisia asiakaskohtaamisia, perinteiset vakuutusten tarjoajat eiv\u00e4t p\u00e4rj\u00e4\u00e4 uusille tulokkaille. 75 prosenttia asiakkaista olisi valmis vaihtamaan vakuutusten tarjoajaansa, jos vakuutusturvaan liittyv\u00e4\u00e4 palvelua ei saisi saumattomasti kaikissa kanavissa.<\/p>\n\n\n\nSelviytyj\u00e4t muuttuvat perinteisist\u00e4 ketteriksi<\/strong><\/h3>\n\n\n\nBigTech -yritysten ker\u00e4tess\u00e4 reaaliaikaista dataa puheohjautuvien avustajien, puettavan teknologian ja muiden \u00e4lylaitteiden sek\u00e4 chatbot-viestinn\u00e4n avulla, vain 38 prosenttia perinteisist\u00e4 vakuutusten tarjoajista k\u00e4ytt\u00e4\u00e4 asiakasdatan hankintaan reaaliaikaisia \u00e4lylaitteita ja 33 prosenttia puheen tai tekstin tunnistusta hy\u00f6dynt\u00e4vi\u00e4 keskusteluavustajia (esim. chatbotit).<\/p>\n\n\n\nRaportti toteaa, ett\u00e4 muuttuneessa markkinatilanteessa selviytyv\u00e4t ketter\u00e4t, kekseli\u00e4\u00e4t vakuutusten tarjoajat, jotka ymm\u00e4rt\u00e4v\u00e4t asiakkaiden tarpeita ja mieltymyksi\u00e4. Tulevaisuuden menestyj\u00e4t hy\u00f6dynt\u00e4v\u00e4t dataa useista ekosysteemeist\u00e4 ja tarjoavat sen pohjalta r\u00e4\u00e4t\u00e4l\u00f6ityj\u00e4, oikea-aikaisia tuotteita.<\/p>\n\n\n\n\u201cStrategisesti taitavat johtavat vakuutusten tarjoajat panostavat innovatiivisten ratkaisujen kehitt\u00e4miseen, sill\u00e4 ensiluokkainen asiakaskokemus on nyt t\u00e4rke\u00e4mpi kilpailutekij\u00e4 kuin koskaan\u201d, <\/em>Efman toimitusjohtaja John Berry<\/strong> toteaa.<\/em><\/p>\n\n\n\nSamoilla linjoilla on Jarmo Kortelahti. \u201dVoittajia ovat lopulta ne, jotka pystyv\u00e4t tarjoamaan viimeiseen asti r\u00e4\u00e4t\u00e4l\u00f6idyn asiakaskokemuksen ja ottamaan oikean aseman vakuuttamisen ekosysteemiss\u00e4. T\u00e4m\u00e4n mahdollistamiseen tarvitaan innovatiivisten palveluiden lis\u00e4ksi oikeat teknologiset kyvykkyydet ja rajapinnat kumppaneille. Skaalautuvuus ja uusien vakuutuspalveluiden kannattavuus ovat tekij\u00f6it\u00e4, joiden kanssa vakuutusyhti\u00f6t viel\u00e4 tekev\u00e4t t\u00f6it\u00e4, mutta uskon, ett\u00e4 asiakkaiden ja muiden toimijoiden muutos vauhdittaa my\u00f6s vakuutusalaa uudistumaan nopeammin\u201d<\/em>, arvioi Kortelahti.<\/p>\n\n\n\nRaportin toteutustapa<\/strong><\/h3>\n\n\n\nWorld Insurance Report 2020 -raportin p\u00e4\u00e4asiallisina l\u00e4htein\u00e4 on k\u00e4ytetty 2020 Global Insurance Voice of the Customer Survey- ja 2020 Global Insurance Executive Interviews -tutkimuksia. Yhdess\u00e4 tutkimukset kattavat 32 maata: Argentiina, Australia, Belgia, Brasilia, Kanada, Kiina, Kolumbia, Tanska, Suomi, Ranska, Saksa, Hongkong, Unkari, Intia, Italia, Japani, Malesia, Meksiko, Marokko, Alankomaat, Nigeria, Norja, Filippiinit, Portugali, Saudi-Arabia, Singapore, Espanja, Ruotsi, Sveitsi, Turkki, Iso-Britannia ja Yhdysvallat.<\/p>\n\n\n\n2020 Global Insurance Voice of the Customer Survey<\/strong><\/h3>\n\n\n\nKattavaan Voice of the Customer Survey -tutkimukseen, joka toteutettiin tammi- ja helmikuun 2020 aikana yhteisty\u00f6ss\u00e4 Phronesis-yrityksen kanssa, osallistui yli 8000 vakuutusasiakasta 22 maasta. Tutkimuksen tavoitteena oli hankkia kattavaa yleistietoa vakuutusasiakkaiden k\u00e4ytt\u00e4ytymisest\u00e4 ja mieltymyksist\u00e4 sek\u00e4 niiden roolista suhtautumisessa vakuutuksiin. Vastaajilta kysyttiin muun muassa el\u00e4m\u00e4ntyylist\u00e4, koulutuksesta ja ty\u00f6st\u00e4, sosiaalisista suhteista ja talousk\u00e4ytt\u00e4ytymisest\u00e4, ostomieltymyksist\u00e4 ja teknologiaosaamisesta sek\u00e4 vakuutustuotteiden valinnasta, ostokanavista ja -ajankohdista. Tutkimus kattoi my\u00f6s kysymyksi\u00e4 mahdollisista vakuutusyhti\u00f6n vaihtamisen syist\u00e4, kiinnostuksesta kokeilla uudenlaisia vakuutusmalleja ja valmiudesta hankkia vakuutusturvaa uusilta, ei-perinteisilt\u00e4 vakuutusten tarjoajilta.<\/p>\n\n\n\n2020 Global Insurance Executive Interviews<\/strong><\/h3>\n\n\n\nRaporttia varten haastateltiin yli 150 kokenutta vakuutusasiantuntijaa johtavista vakuutusyhti\u00f6ist\u00e4 29 maassa. Vastaajia oli mukana kaikilta kolmelta markkina-alueelta \u2013 Pohjois- ja Etel\u00e4-Amerikka, Eurooppa, L\u00e4hi-It\u00e4 ja Afrikka sek\u00e4 Aasian ja Tyynenmeren alue (mukaan lukien Japani).<\/p>\n\n\n\nCapgemini<\/strong><\/h3>\n\n\n\nCapgemini tarjoaa asiantuntija-, konsultointi-, suunnittelu- ja teknologiapalveluita asiakkaidensa toiminnan digitalisointiin. Globaalina edell\u00e4k\u00e4vij\u00e4n\u00e4 Capgemini-konsernilla on laaja-alainen kyky toimittaa asiakkailleen innovatiivisia digipalveluja, skaalautuvia pilviratkaisuja ja teknologiariippumattomia alustaratkaisuja. Syv\u00e4llisen toimialaosaamisen ansiosta Capgeminill\u00e4 on vahva jalansija eri toimialoilla toimivien asiakkaidensa strategisena kumppanina, joka tarjoaa monipuolisia palveluita strategiasuunnittelusta operatiivisen tason toteutukseen yli 50-vuotisen historiansa kokemuksella. Oikean teknologiaratkaisun liiketoiminnalle tuoma lis\u00e4arvo pohjautuu vahvasti asiantuntijuuteen ja Capgeminin t\u00e4rkeimp\u00e4\u00e4n voimavaraan: ihmisiin. Syv\u00e4sti monikulttuurisena organisaationa Capgemini ty\u00f6llist\u00e4\u00e4 globaalisti 270.000 ihmist\u00e4 l\u00e4hes 50 maassa. Capgemini-konsernin ja Altranin yhteenlaskettu liikevaihto vuonna 2019 oli 17 miljardia euroa.<\/p>\n\n\n\nLis\u00e4tietoa https:\/\/www.capgemini.com\/fi-en\/<\/a>. People matter, results count.<\/em><\/p>\n\n\n\nAbout Efma<\/strong><\/h3>\n\n\n\nA global non-profit organization, established in 1971 by banks and insurance companies, Efma facilitates networking between decision-makers. It provides quality insights to help banks and insurance companies make the right decisions to foster innovation and drive their transformation. Over 3,300 brands in 130 countries are Efma members. Headquarters in Paris. Offices in London, Brussels, Andorra, Stockholm, Bratislava, Dubai, Milan, Montreal, Istanbul, Beijing, Tokyo and Singapore. Learn more www.efma.com<\/a>.<\/p>\n\n\n\n[1]<\/a>BigTech -yritykset ovat monikansallisia teknologiaj\u00e4ttej\u00e4 kuten Google, Amazon, Facebook, Apple, Alibaba ym.<\/p>\n\n\n\n[2]<\/a> X-sukupolvea edustavat ja sit\u00e4 vanhemmat kuluttajat ovat syntyneet 1980-luvulla tai aiemmin.<\/p>\n\n\n\n[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
World Insurance Report 2020 jakaa t\u00e4m\u00e4n p\u00e4iv\u00e4n vakuutusasiakkaat sosiaalisen k\u00e4ytt\u00e4ytymisen ja ostomieltymysten perusteella nelj\u00e4\u00e4n kategoriaan: pioneerit[4]<\/a>, uteliaat[5]<\/a>, kokeilijat[6]<\/a> ja seuraajat[7]<\/a>. Asiakkaat eiv\u00e4t en\u00e4\u00e4 tee ostop\u00e4\u00e4t\u00f6ksi\u00e4\u00e4n vain yhden tiedonhakukanavan perusteella. He hy\u00f6dynt\u00e4v\u00e4t verkosta hakemaansa tietoa kuten arvosteluita tai perheen ja yst\u00e4vien kokemuksia ja valitsevat vakuutusturvansa itsen\u00e4isesti n\u00e4iden pohjalta. Asiakkaat uskaltautuvat kokeilemaan BigTech -yritysten ja tuotteiden valmistajien vakuutuksia, sill\u00e4 he kaipaavat helppoutta, ja markkinan ketter\u00e4t tulokkaat tarjoavat ylivertaisen asiakaskokemuksen.<\/p>\n\n\n\nKiinnostus BigTech-yritysten vakuutusratkaisuja kohtaan kasvaa nopeasti. Vuoden 2016 World Insurance Reportin tutkimuksessa vain 17 prosenttia vastasi harkitsevansa mahdollisesti vakuutuksen hankintaa Big Tech -yritykselt\u00e4, mutta vuoden 2020 tutkimuksessa osuus oli kaksinkertaistunut 36 prosenttiin.<\/p>\n\n\n\nYksil\u00f6llinen r\u00e4\u00e4t\u00e4l\u00f6inti avainasemassa<\/strong><\/h3>\n\n\n\nAsiakkaiden toiveiden ja tarpeiden kehittyess\u00e4 nopeammin kuin koskaan my\u00f6s asiakaskokemuksia on arvioitava ja kehitett\u00e4v\u00e4 jatkuvasti reaaliaikaisen datan pohjalta. Raportin mukaan yli 50 prosenttia valitsisi mieluiten k\u00e4ytt\u00f6\u00f6n perustuvan vakuutusturvan, joka olisi sek\u00e4 yksil\u00f6llisesti r\u00e4\u00e4t\u00e4l\u00f6ity ett\u00e4 tarjoaisi vastinetta rahoille, mutta vain alle puolet alan yrityksist\u00e4 tarjoaa sellaista.<\/p>\n\n\n\n\u201dKuluttajak\u00e4ytt\u00e4ytymisen muutos alkaa n\u00e4ky\u00e4 v\u00e4hitellen jo monessa kuluttamisen muodossa, kuten esimerkiksi leasing- ja yhteisk\u00e4ytt\u00f6autojen suosion lis\u00e4\u00e4ntymisess\u00e4. Kuluttajat suosivat omistamisen sijaan k\u00e4ytt\u00e4m\u00e4\u00e4n palveluita tai tuotteita, joissa vakuutus on jo automaattisesti sis\u00e4\u00e4n leivottuna. N\u00e4in riski siirtyy v\u00e4hitellen kuluttajalta palvelun tai tuotteen tarjoajalle, ja kuluttaja maksaa vakuuttamisesta osana palvelua\u201d, kertoo Capgemini Invent konsultoinnin maajohtaja Jarmo Kortelahti.<\/p>\n\n\n\nVaikka perinteiset vakuutusten tarjoajat ymm\u00e4rt\u00e4v\u00e4t, ett\u00e4 asiakkaan kohtaaminen juuri oikealla hetkell\u00e4 on t\u00e4rke\u00e4\u00e4, t\u00e4m\u00e4 ei toteudu k\u00e4yt\u00e4nn\u00f6ss\u00e4. Monilla ei esimerkiksi ole tarvittavia ty\u00f6kaluja ja tekniikoita tuotteen oikean myyntiajankohdan arvioimiseksi: vain 35 prosenttia vakuutusten tarjoajista k\u00e4ytt\u00e4\u00e4 digitaalisia ty\u00f6kaluja, jotka auttavat myyji\u00e4 huomioimaan t\u00e4rkeit\u00e4 tapahtumia asiakkaan el\u00e4m\u00e4ss\u00e4, kuten naimisiinmenon, lapsen syntym\u00e4n tai asuntokaupat. Ainostaan nelj\u00e4sosa uskoo t\u00e4llaisen asiakasdatan hy\u00f6dyllisyyteen.<\/p>\n\n\n\nAsiakasdataa voidaan ker\u00e4t\u00e4 moninaisista l\u00e4hteist\u00e4 (tietosuojalains\u00e4\u00e4d\u00e4nn\u00f6n puitteissa). Raportin mukaan vakuutusten tarjoajat saisivat paremman ymm\u00e4rryksen asiakkaidensa mahdollisista uusista tuotetarpeista hy\u00f6dynt\u00e4m\u00e4ll\u00e4 avointen rajapintojen ekosysteemej\u00e4.<\/p>\n\n\n\nKuluttajat hakevat yh\u00e4 enemm\u00e4n tietoa vakuutusvaihtoehdoista vertailusivustoilta ja yritysten omilta verkkosivuilta, mutta alle 30 prosenttia vakuutusten tarjoajista pit\u00e4\u00e4 omaa sivustoaan hy\u00f6dyllisen\u00e4 tietol\u00e4hteen\u00e4, ja vain 37 prosenttia uskoo asiakkaiden saavan arvokasta tietoa vertailusivustoilta. Vakuutusten tarjoajien kannattaa harkita panostusta verkkomyyntikanaviin, joissa asiakas pystyy vahvistamaan ostop\u00e4\u00e4t\u00f6ksens\u00e4 yhden napin painalluksella. Ilman saumattomia, monikanavaisia asiakaskohtaamisia, perinteiset vakuutusten tarjoajat eiv\u00e4t p\u00e4rj\u00e4\u00e4 uusille tulokkaille. 75 prosenttia asiakkaista olisi valmis vaihtamaan vakuutusten tarjoajaansa, jos vakuutusturvaan liittyv\u00e4\u00e4 palvelua ei saisi saumattomasti kaikissa kanavissa.<\/p>\n\n\n\nSelviytyj\u00e4t muuttuvat perinteisist\u00e4 ketteriksi<\/strong><\/h3>\n\n\n\nBigTech -yritysten ker\u00e4tess\u00e4 reaaliaikaista dataa puheohjautuvien avustajien, puettavan teknologian ja muiden \u00e4lylaitteiden sek\u00e4 chatbot-viestinn\u00e4n avulla, vain 38 prosenttia perinteisist\u00e4 vakuutusten tarjoajista k\u00e4ytt\u00e4\u00e4 asiakasdatan hankintaan reaaliaikaisia \u00e4lylaitteita ja 33 prosenttia puheen tai tekstin tunnistusta hy\u00f6dynt\u00e4vi\u00e4 keskusteluavustajia (esim. chatbotit).<\/p>\n\n\n\nRaportti toteaa, ett\u00e4 muuttuneessa markkinatilanteessa selviytyv\u00e4t ketter\u00e4t, kekseli\u00e4\u00e4t vakuutusten tarjoajat, jotka ymm\u00e4rt\u00e4v\u00e4t asiakkaiden tarpeita ja mieltymyksi\u00e4. Tulevaisuuden menestyj\u00e4t hy\u00f6dynt\u00e4v\u00e4t dataa useista ekosysteemeist\u00e4 ja tarjoavat sen pohjalta r\u00e4\u00e4t\u00e4l\u00f6ityj\u00e4, oikea-aikaisia tuotteita.<\/p>\n\n\n\n\u201cStrategisesti taitavat johtavat vakuutusten tarjoajat panostavat innovatiivisten ratkaisujen kehitt\u00e4miseen, sill\u00e4 ensiluokkainen asiakaskokemus on nyt t\u00e4rke\u00e4mpi kilpailutekij\u00e4 kuin koskaan\u201d, <\/em>Efman toimitusjohtaja John Berry<\/strong> toteaa.<\/em><\/p>\n\n\n\nSamoilla linjoilla on Jarmo Kortelahti. \u201dVoittajia ovat lopulta ne, jotka pystyv\u00e4t tarjoamaan viimeiseen asti r\u00e4\u00e4t\u00e4l\u00f6idyn asiakaskokemuksen ja ottamaan oikean aseman vakuuttamisen ekosysteemiss\u00e4. T\u00e4m\u00e4n mahdollistamiseen tarvitaan innovatiivisten palveluiden lis\u00e4ksi oikeat teknologiset kyvykkyydet ja rajapinnat kumppaneille. Skaalautuvuus ja uusien vakuutuspalveluiden kannattavuus ovat tekij\u00f6it\u00e4, joiden kanssa vakuutusyhti\u00f6t viel\u00e4 tekev\u00e4t t\u00f6it\u00e4, mutta uskon, ett\u00e4 asiakkaiden ja muiden toimijoiden muutos vauhdittaa my\u00f6s vakuutusalaa uudistumaan nopeammin\u201d<\/em>, arvioi Kortelahti.<\/p>\n\n\n\nRaportin toteutustapa<\/strong><\/h3>\n\n\n\nWorld Insurance Report 2020 -raportin p\u00e4\u00e4asiallisina l\u00e4htein\u00e4 on k\u00e4ytetty 2020 Global Insurance Voice of the Customer Survey- ja 2020 Global Insurance Executive Interviews -tutkimuksia. Yhdess\u00e4 tutkimukset kattavat 32 maata: Argentiina, Australia, Belgia, Brasilia, Kanada, Kiina, Kolumbia, Tanska, Suomi, Ranska, Saksa, Hongkong, Unkari, Intia, Italia, Japani, Malesia, Meksiko, Marokko, Alankomaat, Nigeria, Norja, Filippiinit, Portugali, Saudi-Arabia, Singapore, Espanja, Ruotsi, Sveitsi, Turkki, Iso-Britannia ja Yhdysvallat.<\/p>\n\n\n\n2020 Global Insurance Voice of the Customer Survey<\/strong><\/h3>\n\n\n\nKattavaan Voice of the Customer Survey -tutkimukseen, joka toteutettiin tammi- ja helmikuun 2020 aikana yhteisty\u00f6ss\u00e4 Phronesis-yrityksen kanssa, osallistui yli 8000 vakuutusasiakasta 22 maasta. Tutkimuksen tavoitteena oli hankkia kattavaa yleistietoa vakuutusasiakkaiden k\u00e4ytt\u00e4ytymisest\u00e4 ja mieltymyksist\u00e4 sek\u00e4 niiden roolista suhtautumisessa vakuutuksiin. Vastaajilta kysyttiin muun muassa el\u00e4m\u00e4ntyylist\u00e4, koulutuksesta ja ty\u00f6st\u00e4, sosiaalisista suhteista ja talousk\u00e4ytt\u00e4ytymisest\u00e4, ostomieltymyksist\u00e4 ja teknologiaosaamisesta sek\u00e4 vakuutustuotteiden valinnasta, ostokanavista ja -ajankohdista. Tutkimus kattoi my\u00f6s kysymyksi\u00e4 mahdollisista vakuutusyhti\u00f6n vaihtamisen syist\u00e4, kiinnostuksesta kokeilla uudenlaisia vakuutusmalleja ja valmiudesta hankkia vakuutusturvaa uusilta, ei-perinteisilt\u00e4 vakuutusten tarjoajilta.<\/p>\n\n\n\n2020 Global Insurance Executive Interviews<\/strong><\/h3>\n\n\n\nRaporttia varten haastateltiin yli 150 kokenutta vakuutusasiantuntijaa johtavista vakuutusyhti\u00f6ist\u00e4 29 maassa. Vastaajia oli mukana kaikilta kolmelta markkina-alueelta \u2013 Pohjois- ja Etel\u00e4-Amerikka, Eurooppa, L\u00e4hi-It\u00e4 ja Afrikka sek\u00e4 Aasian ja Tyynenmeren alue (mukaan lukien Japani).<\/p>\n\n\n\nCapgemini<\/strong><\/h3>\n\n\n\nCapgemini tarjoaa asiantuntija-, konsultointi-, suunnittelu- ja teknologiapalveluita asiakkaidensa toiminnan digitalisointiin. Globaalina edell\u00e4k\u00e4vij\u00e4n\u00e4 Capgemini-konsernilla on laaja-alainen kyky toimittaa asiakkailleen innovatiivisia digipalveluja, skaalautuvia pilviratkaisuja ja teknologiariippumattomia alustaratkaisuja. Syv\u00e4llisen toimialaosaamisen ansiosta Capgeminill\u00e4 on vahva jalansija eri toimialoilla toimivien asiakkaidensa strategisena kumppanina, joka tarjoaa monipuolisia palveluita strategiasuunnittelusta operatiivisen tason toteutukseen yli 50-vuotisen historiansa kokemuksella. Oikean teknologiaratkaisun liiketoiminnalle tuoma lis\u00e4arvo pohjautuu vahvasti asiantuntijuuteen ja Capgeminin t\u00e4rkeimp\u00e4\u00e4n voimavaraan: ihmisiin. Syv\u00e4sti monikulttuurisena organisaationa Capgemini ty\u00f6llist\u00e4\u00e4 globaalisti 270.000 ihmist\u00e4 l\u00e4hes 50 maassa. Capgemini-konsernin ja Altranin yhteenlaskettu liikevaihto vuonna 2019 oli 17 miljardia euroa.<\/p>\n\n\n\nLis\u00e4tietoa https:\/\/www.capgemini.com\/fi-en\/<\/a>. People matter, results count.<\/em><\/p>\n\n\n\nAbout Efma<\/strong><\/h3>\n\n\n\nA global non-profit organization, established in 1971 by banks and insurance companies, Efma facilitates networking between decision-makers. It provides quality insights to help banks and insurance companies make the right decisions to foster innovation and drive their transformation. Over 3,300 brands in 130 countries are Efma members. Headquarters in Paris. Offices in London, Brussels, Andorra, Stockholm, Bratislava, Dubai, Milan, Montreal, Istanbul, Beijing, Tokyo and Singapore. Learn more www.efma.com<\/a>.<\/p>\n\n\n\n[1]<\/a>BigTech -yritykset ovat monikansallisia teknologiaj\u00e4ttej\u00e4 kuten Google, Amazon, Facebook, Apple, Alibaba ym.<\/p>\n\n\n\n[2]<\/a> X-sukupolvea edustavat ja sit\u00e4 vanhemmat kuluttajat ovat syntyneet 1980-luvulla tai aiemmin.<\/p>\n\n\n\n[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Kiinnostus BigTech-yritysten vakuutusratkaisuja kohtaan kasvaa nopeasti. Vuoden 2016 World Insurance Reportin tutkimuksessa vain 17 prosenttia vastasi harkitsevansa mahdollisesti vakuutuksen hankintaa Big Tech -yritykselt\u00e4, mutta vuoden 2020 tutkimuksessa osuus oli kaksinkertaistunut 36 prosenttiin.<\/p>\n\n\n\n
Asiakkaiden toiveiden ja tarpeiden kehittyess\u00e4 nopeammin kuin koskaan my\u00f6s asiakaskokemuksia on arvioitava ja kehitett\u00e4v\u00e4 jatkuvasti reaaliaikaisen datan pohjalta. Raportin mukaan yli 50 prosenttia valitsisi mieluiten k\u00e4ytt\u00f6\u00f6n perustuvan vakuutusturvan, joka olisi sek\u00e4 yksil\u00f6llisesti r\u00e4\u00e4t\u00e4l\u00f6ity ett\u00e4 tarjoaisi vastinetta rahoille, mutta vain alle puolet alan yrityksist\u00e4 tarjoaa sellaista.<\/p>\n\n\n\n
\u201dKuluttajak\u00e4ytt\u00e4ytymisen muutos alkaa n\u00e4ky\u00e4 v\u00e4hitellen jo monessa kuluttamisen muodossa, kuten esimerkiksi leasing- ja yhteisk\u00e4ytt\u00f6autojen suosion lis\u00e4\u00e4ntymisess\u00e4. Kuluttajat suosivat omistamisen sijaan k\u00e4ytt\u00e4m\u00e4\u00e4n palveluita tai tuotteita, joissa vakuutus on jo automaattisesti sis\u00e4\u00e4n leivottuna. N\u00e4in riski siirtyy v\u00e4hitellen kuluttajalta palvelun tai tuotteen tarjoajalle, ja kuluttaja maksaa vakuuttamisesta osana palvelua\u201d, kertoo Capgemini Invent konsultoinnin maajohtaja Jarmo Kortelahti.<\/p>\n\n\n\n
Vaikka perinteiset vakuutusten tarjoajat ymm\u00e4rt\u00e4v\u00e4t, ett\u00e4 asiakkaan kohtaaminen juuri oikealla hetkell\u00e4 on t\u00e4rke\u00e4\u00e4, t\u00e4m\u00e4 ei toteudu k\u00e4yt\u00e4nn\u00f6ss\u00e4. Monilla ei esimerkiksi ole tarvittavia ty\u00f6kaluja ja tekniikoita tuotteen oikean myyntiajankohdan arvioimiseksi: vain 35 prosenttia vakuutusten tarjoajista k\u00e4ytt\u00e4\u00e4 digitaalisia ty\u00f6kaluja, jotka auttavat myyji\u00e4 huomioimaan t\u00e4rkeit\u00e4 tapahtumia asiakkaan el\u00e4m\u00e4ss\u00e4, kuten naimisiinmenon, lapsen syntym\u00e4n tai asuntokaupat. Ainostaan nelj\u00e4sosa uskoo t\u00e4llaisen asiakasdatan hy\u00f6dyllisyyteen.<\/p>\n\n\n\n
Asiakasdataa voidaan ker\u00e4t\u00e4 moninaisista l\u00e4hteist\u00e4 (tietosuojalains\u00e4\u00e4d\u00e4nn\u00f6n puitteissa). Raportin mukaan vakuutusten tarjoajat saisivat paremman ymm\u00e4rryksen asiakkaidensa mahdollisista uusista tuotetarpeista hy\u00f6dynt\u00e4m\u00e4ll\u00e4 avointen rajapintojen ekosysteemej\u00e4.<\/p>\n\n\n\n
Kuluttajat hakevat yh\u00e4 enemm\u00e4n tietoa vakuutusvaihtoehdoista vertailusivustoilta ja yritysten omilta verkkosivuilta, mutta alle 30 prosenttia vakuutusten tarjoajista pit\u00e4\u00e4 omaa sivustoaan hy\u00f6dyllisen\u00e4 tietol\u00e4hteen\u00e4, ja vain 37 prosenttia uskoo asiakkaiden saavan arvokasta tietoa vertailusivustoilta. Vakuutusten tarjoajien kannattaa harkita panostusta verkkomyyntikanaviin, joissa asiakas pystyy vahvistamaan ostop\u00e4\u00e4t\u00f6ksens\u00e4 yhden napin painalluksella. Ilman saumattomia, monikanavaisia asiakaskohtaamisia, perinteiset vakuutusten tarjoajat eiv\u00e4t p\u00e4rj\u00e4\u00e4 uusille tulokkaille. 75 prosenttia asiakkaista olisi valmis vaihtamaan vakuutusten tarjoajaansa, jos vakuutusturvaan liittyv\u00e4\u00e4 palvelua ei saisi saumattomasti kaikissa kanavissa.<\/p>\n\n\n\n
BigTech -yritysten ker\u00e4tess\u00e4 reaaliaikaista dataa puheohjautuvien avustajien, puettavan teknologian ja muiden \u00e4lylaitteiden sek\u00e4 chatbot-viestinn\u00e4n avulla, vain 38 prosenttia perinteisist\u00e4 vakuutusten tarjoajista k\u00e4ytt\u00e4\u00e4 asiakasdatan hankintaan reaaliaikaisia \u00e4lylaitteita ja 33 prosenttia puheen tai tekstin tunnistusta hy\u00f6dynt\u00e4vi\u00e4 keskusteluavustajia (esim. chatbotit).<\/p>\n\n\n\n
Raportti toteaa, ett\u00e4 muuttuneessa markkinatilanteessa selviytyv\u00e4t ketter\u00e4t, kekseli\u00e4\u00e4t vakuutusten tarjoajat, jotka ymm\u00e4rt\u00e4v\u00e4t asiakkaiden tarpeita ja mieltymyksi\u00e4. Tulevaisuuden menestyj\u00e4t hy\u00f6dynt\u00e4v\u00e4t dataa useista ekosysteemeist\u00e4 ja tarjoavat sen pohjalta r\u00e4\u00e4t\u00e4l\u00f6ityj\u00e4, oikea-aikaisia tuotteita.<\/p>\n\n\n\n
\u201cStrategisesti taitavat johtavat vakuutusten tarjoajat panostavat innovatiivisten ratkaisujen kehitt\u00e4miseen, sill\u00e4 ensiluokkainen asiakaskokemus on nyt t\u00e4rke\u00e4mpi kilpailutekij\u00e4 kuin koskaan\u201d, <\/em>Efman toimitusjohtaja John Berry<\/strong> toteaa.<\/em><\/p>\n\n\n\nSamoilla linjoilla on Jarmo Kortelahti. \u201dVoittajia ovat lopulta ne, jotka pystyv\u00e4t tarjoamaan viimeiseen asti r\u00e4\u00e4t\u00e4l\u00f6idyn asiakaskokemuksen ja ottamaan oikean aseman vakuuttamisen ekosysteemiss\u00e4. T\u00e4m\u00e4n mahdollistamiseen tarvitaan innovatiivisten palveluiden lis\u00e4ksi oikeat teknologiset kyvykkyydet ja rajapinnat kumppaneille. Skaalautuvuus ja uusien vakuutuspalveluiden kannattavuus ovat tekij\u00f6it\u00e4, joiden kanssa vakuutusyhti\u00f6t viel\u00e4 tekev\u00e4t t\u00f6it\u00e4, mutta uskon, ett\u00e4 asiakkaiden ja muiden toimijoiden muutos vauhdittaa my\u00f6s vakuutusalaa uudistumaan nopeammin\u201d<\/em>, arvioi Kortelahti.<\/p>\n\n\n\nRaportin toteutustapa<\/strong><\/h3>\n\n\n\nWorld Insurance Report 2020 -raportin p\u00e4\u00e4asiallisina l\u00e4htein\u00e4 on k\u00e4ytetty 2020 Global Insurance Voice of the Customer Survey- ja 2020 Global Insurance Executive Interviews -tutkimuksia. Yhdess\u00e4 tutkimukset kattavat 32 maata: Argentiina, Australia, Belgia, Brasilia, Kanada, Kiina, Kolumbia, Tanska, Suomi, Ranska, Saksa, Hongkong, Unkari, Intia, Italia, Japani, Malesia, Meksiko, Marokko, Alankomaat, Nigeria, Norja, Filippiinit, Portugali, Saudi-Arabia, Singapore, Espanja, Ruotsi, Sveitsi, Turkki, Iso-Britannia ja Yhdysvallat.<\/p>\n\n\n\n2020 Global Insurance Voice of the Customer Survey<\/strong><\/h3>\n\n\n\nKattavaan Voice of the Customer Survey -tutkimukseen, joka toteutettiin tammi- ja helmikuun 2020 aikana yhteisty\u00f6ss\u00e4 Phronesis-yrityksen kanssa, osallistui yli 8000 vakuutusasiakasta 22 maasta. Tutkimuksen tavoitteena oli hankkia kattavaa yleistietoa vakuutusasiakkaiden k\u00e4ytt\u00e4ytymisest\u00e4 ja mieltymyksist\u00e4 sek\u00e4 niiden roolista suhtautumisessa vakuutuksiin. Vastaajilta kysyttiin muun muassa el\u00e4m\u00e4ntyylist\u00e4, koulutuksesta ja ty\u00f6st\u00e4, sosiaalisista suhteista ja talousk\u00e4ytt\u00e4ytymisest\u00e4, ostomieltymyksist\u00e4 ja teknologiaosaamisesta sek\u00e4 vakuutustuotteiden valinnasta, ostokanavista ja -ajankohdista. Tutkimus kattoi my\u00f6s kysymyksi\u00e4 mahdollisista vakuutusyhti\u00f6n vaihtamisen syist\u00e4, kiinnostuksesta kokeilla uudenlaisia vakuutusmalleja ja valmiudesta hankkia vakuutusturvaa uusilta, ei-perinteisilt\u00e4 vakuutusten tarjoajilta.<\/p>\n\n\n\n2020 Global Insurance Executive Interviews<\/strong><\/h3>\n\n\n\nRaporttia varten haastateltiin yli 150 kokenutta vakuutusasiantuntijaa johtavista vakuutusyhti\u00f6ist\u00e4 29 maassa. Vastaajia oli mukana kaikilta kolmelta markkina-alueelta \u2013 Pohjois- ja Etel\u00e4-Amerikka, Eurooppa, L\u00e4hi-It\u00e4 ja Afrikka sek\u00e4 Aasian ja Tyynenmeren alue (mukaan lukien Japani).<\/p>\n\n\n\nCapgemini<\/strong><\/h3>\n\n\n\nCapgemini tarjoaa asiantuntija-, konsultointi-, suunnittelu- ja teknologiapalveluita asiakkaidensa toiminnan digitalisointiin. Globaalina edell\u00e4k\u00e4vij\u00e4n\u00e4 Capgemini-konsernilla on laaja-alainen kyky toimittaa asiakkailleen innovatiivisia digipalveluja, skaalautuvia pilviratkaisuja ja teknologiariippumattomia alustaratkaisuja. Syv\u00e4llisen toimialaosaamisen ansiosta Capgeminill\u00e4 on vahva jalansija eri toimialoilla toimivien asiakkaidensa strategisena kumppanina, joka tarjoaa monipuolisia palveluita strategiasuunnittelusta operatiivisen tason toteutukseen yli 50-vuotisen historiansa kokemuksella. Oikean teknologiaratkaisun liiketoiminnalle tuoma lis\u00e4arvo pohjautuu vahvasti asiantuntijuuteen ja Capgeminin t\u00e4rkeimp\u00e4\u00e4n voimavaraan: ihmisiin. Syv\u00e4sti monikulttuurisena organisaationa Capgemini ty\u00f6llist\u00e4\u00e4 globaalisti 270.000 ihmist\u00e4 l\u00e4hes 50 maassa. Capgemini-konsernin ja Altranin yhteenlaskettu liikevaihto vuonna 2019 oli 17 miljardia euroa.<\/p>\n\n\n\nLis\u00e4tietoa https:\/\/www.capgemini.com\/fi-en\/<\/a>. People matter, results count.<\/em><\/p>\n\n\n\nAbout Efma<\/strong><\/h3>\n\n\n\nA global non-profit organization, established in 1971 by banks and insurance companies, Efma facilitates networking between decision-makers. It provides quality insights to help banks and insurance companies make the right decisions to foster innovation and drive their transformation. Over 3,300 brands in 130 countries are Efma members. Headquarters in Paris. Offices in London, Brussels, Andorra, Stockholm, Bratislava, Dubai, Milan, Montreal, Istanbul, Beijing, Tokyo and Singapore. Learn more www.efma.com<\/a>.<\/p>\n\n\n\n[1]<\/a>BigTech -yritykset ovat monikansallisia teknologiaj\u00e4ttej\u00e4 kuten Google, Amazon, Facebook, Apple, Alibaba ym.<\/p>\n\n\n\n[2]<\/a> X-sukupolvea edustavat ja sit\u00e4 vanhemmat kuluttajat ovat syntyneet 1980-luvulla tai aiemmin.<\/p>\n\n\n\n[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Samoilla linjoilla on Jarmo Kortelahti. \u201dVoittajia ovat lopulta ne, jotka pystyv\u00e4t tarjoamaan viimeiseen asti r\u00e4\u00e4t\u00e4l\u00f6idyn asiakaskokemuksen ja ottamaan oikean aseman vakuuttamisen ekosysteemiss\u00e4. T\u00e4m\u00e4n mahdollistamiseen tarvitaan innovatiivisten palveluiden lis\u00e4ksi oikeat teknologiset kyvykkyydet ja rajapinnat kumppaneille. Skaalautuvuus ja uusien vakuutuspalveluiden kannattavuus ovat tekij\u00f6it\u00e4, joiden kanssa vakuutusyhti\u00f6t viel\u00e4 tekev\u00e4t t\u00f6it\u00e4, mutta uskon, ett\u00e4 asiakkaiden ja muiden toimijoiden muutos vauhdittaa my\u00f6s vakuutusalaa uudistumaan nopeammin\u201d<\/em>, arvioi Kortelahti.<\/p>\n\n\n\nRaportin toteutustapa<\/strong><\/h3>\n\n\n\nWorld Insurance Report 2020 -raportin p\u00e4\u00e4asiallisina l\u00e4htein\u00e4 on k\u00e4ytetty 2020 Global Insurance Voice of the Customer Survey- ja 2020 Global Insurance Executive Interviews -tutkimuksia. Yhdess\u00e4 tutkimukset kattavat 32 maata: Argentiina, Australia, Belgia, Brasilia, Kanada, Kiina, Kolumbia, Tanska, Suomi, Ranska, Saksa, Hongkong, Unkari, Intia, Italia, Japani, Malesia, Meksiko, Marokko, Alankomaat, Nigeria, Norja, Filippiinit, Portugali, Saudi-Arabia, Singapore, Espanja, Ruotsi, Sveitsi, Turkki, Iso-Britannia ja Yhdysvallat.<\/p>\n\n\n\n2020 Global Insurance Voice of the Customer Survey<\/strong><\/h3>\n\n\n\nKattavaan Voice of the Customer Survey -tutkimukseen, joka toteutettiin tammi- ja helmikuun 2020 aikana yhteisty\u00f6ss\u00e4 Phronesis-yrityksen kanssa, osallistui yli 8000 vakuutusasiakasta 22 maasta. Tutkimuksen tavoitteena oli hankkia kattavaa yleistietoa vakuutusasiakkaiden k\u00e4ytt\u00e4ytymisest\u00e4 ja mieltymyksist\u00e4 sek\u00e4 niiden roolista suhtautumisessa vakuutuksiin. Vastaajilta kysyttiin muun muassa el\u00e4m\u00e4ntyylist\u00e4, koulutuksesta ja ty\u00f6st\u00e4, sosiaalisista suhteista ja talousk\u00e4ytt\u00e4ytymisest\u00e4, ostomieltymyksist\u00e4 ja teknologiaosaamisesta sek\u00e4 vakuutustuotteiden valinnasta, ostokanavista ja -ajankohdista. Tutkimus kattoi my\u00f6s kysymyksi\u00e4 mahdollisista vakuutusyhti\u00f6n vaihtamisen syist\u00e4, kiinnostuksesta kokeilla uudenlaisia vakuutusmalleja ja valmiudesta hankkia vakuutusturvaa uusilta, ei-perinteisilt\u00e4 vakuutusten tarjoajilta.<\/p>\n\n\n\n2020 Global Insurance Executive Interviews<\/strong><\/h3>\n\n\n\nRaporttia varten haastateltiin yli 150 kokenutta vakuutusasiantuntijaa johtavista vakuutusyhti\u00f6ist\u00e4 29 maassa. Vastaajia oli mukana kaikilta kolmelta markkina-alueelta \u2013 Pohjois- ja Etel\u00e4-Amerikka, Eurooppa, L\u00e4hi-It\u00e4 ja Afrikka sek\u00e4 Aasian ja Tyynenmeren alue (mukaan lukien Japani).<\/p>\n\n\n\nCapgemini<\/strong><\/h3>\n\n\n\nCapgemini tarjoaa asiantuntija-, konsultointi-, suunnittelu- ja teknologiapalveluita asiakkaidensa toiminnan digitalisointiin. Globaalina edell\u00e4k\u00e4vij\u00e4n\u00e4 Capgemini-konsernilla on laaja-alainen kyky toimittaa asiakkailleen innovatiivisia digipalveluja, skaalautuvia pilviratkaisuja ja teknologiariippumattomia alustaratkaisuja. Syv\u00e4llisen toimialaosaamisen ansiosta Capgeminill\u00e4 on vahva jalansija eri toimialoilla toimivien asiakkaidensa strategisena kumppanina, joka tarjoaa monipuolisia palveluita strategiasuunnittelusta operatiivisen tason toteutukseen yli 50-vuotisen historiansa kokemuksella. Oikean teknologiaratkaisun liiketoiminnalle tuoma lis\u00e4arvo pohjautuu vahvasti asiantuntijuuteen ja Capgeminin t\u00e4rkeimp\u00e4\u00e4n voimavaraan: ihmisiin. Syv\u00e4sti monikulttuurisena organisaationa Capgemini ty\u00f6llist\u00e4\u00e4 globaalisti 270.000 ihmist\u00e4 l\u00e4hes 50 maassa. Capgemini-konsernin ja Altranin yhteenlaskettu liikevaihto vuonna 2019 oli 17 miljardia euroa.<\/p>\n\n\n\nLis\u00e4tietoa https:\/\/www.capgemini.com\/fi-en\/<\/a>. People matter, results count.<\/em><\/p>\n\n\n\nAbout Efma<\/strong><\/h3>\n\n\n\nA global non-profit organization, established in 1971 by banks and insurance companies, Efma facilitates networking between decision-makers. It provides quality insights to help banks and insurance companies make the right decisions to foster innovation and drive their transformation. Over 3,300 brands in 130 countries are Efma members. Headquarters in Paris. Offices in London, Brussels, Andorra, Stockholm, Bratislava, Dubai, Milan, Montreal, Istanbul, Beijing, Tokyo and Singapore. Learn more www.efma.com<\/a>.<\/p>\n\n\n\n[1]<\/a>BigTech -yritykset ovat monikansallisia teknologiaj\u00e4ttej\u00e4 kuten Google, Amazon, Facebook, Apple, Alibaba ym.<\/p>\n\n\n\n[2]<\/a> X-sukupolvea edustavat ja sit\u00e4 vanhemmat kuluttajat ovat syntyneet 1980-luvulla tai aiemmin.<\/p>\n\n\n\n[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
World Insurance Report 2020 -raportin p\u00e4\u00e4asiallisina l\u00e4htein\u00e4 on k\u00e4ytetty 2020 Global Insurance Voice of the Customer Survey- ja 2020 Global Insurance Executive Interviews -tutkimuksia. Yhdess\u00e4 tutkimukset kattavat 32 maata: Argentiina, Australia, Belgia, Brasilia, Kanada, Kiina, Kolumbia, Tanska, Suomi, Ranska, Saksa, Hongkong, Unkari, Intia, Italia, Japani, Malesia, Meksiko, Marokko, Alankomaat, Nigeria, Norja, Filippiinit, Portugali, Saudi-Arabia, Singapore, Espanja, Ruotsi, Sveitsi, Turkki, Iso-Britannia ja Yhdysvallat.<\/p>\n\n\n\n
Kattavaan Voice of the Customer Survey -tutkimukseen, joka toteutettiin tammi- ja helmikuun 2020 aikana yhteisty\u00f6ss\u00e4 Phronesis-yrityksen kanssa, osallistui yli 8000 vakuutusasiakasta 22 maasta. Tutkimuksen tavoitteena oli hankkia kattavaa yleistietoa vakuutusasiakkaiden k\u00e4ytt\u00e4ytymisest\u00e4 ja mieltymyksist\u00e4 sek\u00e4 niiden roolista suhtautumisessa vakuutuksiin. Vastaajilta kysyttiin muun muassa el\u00e4m\u00e4ntyylist\u00e4, koulutuksesta ja ty\u00f6st\u00e4, sosiaalisista suhteista ja talousk\u00e4ytt\u00e4ytymisest\u00e4, ostomieltymyksist\u00e4 ja teknologiaosaamisesta sek\u00e4 vakuutustuotteiden valinnasta, ostokanavista ja -ajankohdista. Tutkimus kattoi my\u00f6s kysymyksi\u00e4 mahdollisista vakuutusyhti\u00f6n vaihtamisen syist\u00e4, kiinnostuksesta kokeilla uudenlaisia vakuutusmalleja ja valmiudesta hankkia vakuutusturvaa uusilta, ei-perinteisilt\u00e4 vakuutusten tarjoajilta.<\/p>\n\n\n\n
Raporttia varten haastateltiin yli 150 kokenutta vakuutusasiantuntijaa johtavista vakuutusyhti\u00f6ist\u00e4 29 maassa. Vastaajia oli mukana kaikilta kolmelta markkina-alueelta \u2013 Pohjois- ja Etel\u00e4-Amerikka, Eurooppa, L\u00e4hi-It\u00e4 ja Afrikka sek\u00e4 Aasian ja Tyynenmeren alue (mukaan lukien Japani).<\/p>\n\n\n\n
Capgemini tarjoaa asiantuntija-, konsultointi-, suunnittelu- ja teknologiapalveluita asiakkaidensa toiminnan digitalisointiin. Globaalina edell\u00e4k\u00e4vij\u00e4n\u00e4 Capgemini-konsernilla on laaja-alainen kyky toimittaa asiakkailleen innovatiivisia digipalveluja, skaalautuvia pilviratkaisuja ja teknologiariippumattomia alustaratkaisuja. Syv\u00e4llisen toimialaosaamisen ansiosta Capgeminill\u00e4 on vahva jalansija eri toimialoilla toimivien asiakkaidensa strategisena kumppanina, joka tarjoaa monipuolisia palveluita strategiasuunnittelusta operatiivisen tason toteutukseen yli 50-vuotisen historiansa kokemuksella. Oikean teknologiaratkaisun liiketoiminnalle tuoma lis\u00e4arvo pohjautuu vahvasti asiantuntijuuteen ja Capgeminin t\u00e4rkeimp\u00e4\u00e4n voimavaraan: ihmisiin. Syv\u00e4sti monikulttuurisena organisaationa Capgemini ty\u00f6llist\u00e4\u00e4 globaalisti 270.000 ihmist\u00e4 l\u00e4hes 50 maassa. Capgemini-konsernin ja Altranin yhteenlaskettu liikevaihto vuonna 2019 oli 17 miljardia euroa.<\/p>\n\n\n\n
Lis\u00e4tietoa https:\/\/www.capgemini.com\/fi-en\/<\/a>. People matter, results count.<\/em><\/p>\n\n\n\nAbout Efma<\/strong><\/h3>\n\n\n\nA global non-profit organization, established in 1971 by banks and insurance companies, Efma facilitates networking between decision-makers. It provides quality insights to help banks and insurance companies make the right decisions to foster innovation and drive their transformation. Over 3,300 brands in 130 countries are Efma members. Headquarters in Paris. Offices in London, Brussels, Andorra, Stockholm, Bratislava, Dubai, Milan, Montreal, Istanbul, Beijing, Tokyo and Singapore. Learn more www.efma.com<\/a>.<\/p>\n\n\n\n[1]<\/a>BigTech -yritykset ovat monikansallisia teknologiaj\u00e4ttej\u00e4 kuten Google, Amazon, Facebook, Apple, Alibaba ym.<\/p>\n\n\n\n[2]<\/a> X-sukupolvea edustavat ja sit\u00e4 vanhemmat kuluttajat ovat syntyneet 1980-luvulla tai aiemmin.<\/p>\n\n\n\n[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
A global non-profit organization, established in 1971 by banks and insurance companies, Efma facilitates networking between decision-makers. It provides quality insights to help banks and insurance companies make the right decisions to foster innovation and drive their transformation. Over 3,300 brands in 130 countries are Efma members. Headquarters in Paris. Offices in London, Brussels, Andorra, Stockholm, Bratislava, Dubai, Milan, Montreal, Istanbul, Beijing, Tokyo and Singapore. Learn more www.efma.com<\/a>.<\/p>\n\n\n\n[1]<\/a>BigTech -yritykset ovat monikansallisia teknologiaj\u00e4ttej\u00e4 kuten Google, Amazon, Facebook, Apple, Alibaba ym.<\/p>\n\n\n\n[2]<\/a> X-sukupolvea edustavat ja sit\u00e4 vanhemmat kuluttajat ovat syntyneet 1980-luvulla tai aiemmin.<\/p>\n\n\n\n[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
[1]<\/a>BigTech -yritykset ovat monikansallisia teknologiaj\u00e4ttej\u00e4 kuten Google, Amazon, Facebook, Apple, Alibaba ym.<\/p>\n\n\n\n[2]<\/a> X-sukupolvea edustavat ja sit\u00e4 vanhemmat kuluttajat ovat syntyneet 1980-luvulla tai aiemmin.<\/p>\n\n\n\n[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
[2]<\/a> X-sukupolvea edustavat ja sit\u00e4 vanhemmat kuluttajat ovat syntyneet 1980-luvulla tai aiemmin.<\/p>\n\n\n\n[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
[3]<\/a> Tieto suomalaisista pankkipalveluiden k\u00e4ytt\u00e4jist\u00e4 perustuu Finanssivalvonnan julkaisemaan tiedotteeseen: https:\/\/www.finanssivalvonta.fi\/tiedotteet-ja-julkaisut\/lehdistotiedotteet\/2019\/finanssivalvonnan-seminaari-digitalisaatio-tekoaly-ja-datan-kaytto-muuttavat-finanssipalveluita-kuinka-kay-asiakkaan2\/<\/a><\/p>\n\n\n\n[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
[4]<\/a> Pioneerit hankkivat aktiivisesti tietoa verkkoarvosteluista ja kysyv\u00e4t yst\u00e4vien\/perheen mielipiteit\u00e4 ennen ostop\u00e4\u00e4t\u00f6st\u00e4. He suhtautuvat mielenkiinnolla uusiin vakuutusvaihtoehtoihin ja ovat valmiita maksamaan enemm\u00e4n ensiluokkaisesta asiakaskokemuksesta ostop\u00e4\u00e4t\u00f6ksen j\u00e4lkeen.<\/p>\n\n\n\n[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
[5]<\/a> Uteliaat asiakkaat ovat taitavia sosiaalisen median k\u00e4ytt\u00e4ji\u00e4 ja hy\u00f6dynt\u00e4v\u00e4t verkkoarvosteluja, mutta ovat valmiita kokeilemaan uusia tuotteita ja lis\u00e4maksullisia palveluja vain, jos kokevat niiden tuovan lis\u00e4arvoa.<\/p>\n\n\n\n[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
[6]<\/a> Kokeilijat eiv\u00e4t ole aktiivisia sosiaalisessa mediassa eiv\u00e4tk\u00e4 kovin kiinnostuneita perheen\/yst\u00e4vien neuvoista mutta kokeilevat mielell\u00e4\u00e4n uusia tuotteita.<\/p>\n\n\n\n[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
[7]<\/a>Seuraajat eiv\u00e4t todenn\u00e4k\u00f6isesti hae tietoa aktiivisesti, eiv\u00e4t hy\u00f6dynn\u00e4 verkkoarvosteluja tai perheen\/yst\u00e4vien neuvoja eiv\u00e4tk\u00e4 halua maksaa lis\u00e4palveluista.<\/p>\n\n\nRelated News<\/h2><\/div><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\t85% of banks\u2019 corporate clients plan to engage with a non-bank financial institution within the next year as competition with private capital intensifies<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tMar 16, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/03\/03_16_Capgemini_WCIBR-Press-Release.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>181 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tIn a shift from AI hype to AI realism, organizations are increasing their AI investments with a focus on long-term value<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 15, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_15-Capgemini-AI-perspectives-and-AI-in-CXO-decision-making-press-release-ENG.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>163 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tReports<\/span><\/span>\n\t\t\t\t\t\t\t\t\tConsumers are balancing spending on essentials with small indulgences that provide an emotional boost<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tJan 6, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class="link-download" href="https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2026\/01\/01_06_Capgemini-news-alert_Consumer-Trends-report-1.pdf" aria-label="Download Press Release" target="_blank" type="download" title="Opens in a new window">\n\t\t\t\t\t\t\t<span>Download press release<\/span>\n\t\t\t\t\t\t\t<span>145 KB PDF<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\tRead more about<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":0,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"59b06307-90c8-43df-8fcc-013d9304198b\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/09\/World-Insurance-Report.pdf","related_resource_id":483097,"related_resource_size":"785 KB","related_resource_type":"pdf","cg_author":0,"featured_focal_points":""},"tags":[],"press-release-type":[128],"brand":[],"class_list":["post-483096","press-release","type-press-release","status-publish","hentry","press-release-type-reports"],"yoast_head":"\nWorld Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-03T06:55:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\",\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"datePublished\":\"2020-06-09T00:08:00+00:00\",\"dateModified\":\"2026-03-03T06:55:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Press Releases\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"Capgemini Finland\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_locale":"en_US","og_type":"article","og_title":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","og_url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","og_site_name":"Capgemini Finland","article_modified_time":"2026-03-03T06:55:20+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa - Capgemini Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"datePublished":"2020-06-09T00:08:00+00:00","dateModified":"2026-03-03T06:55:20+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Press Releases","item":"https:\/\/www.capgemini.com\/fi-en\/news\/"},{"@type":"ListItem","position":3,"name":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"Capgemini Finland","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa","url":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini Finland","logo":""},"keywords":[],"dateCreated":"2020-06-09T00:08:00Z","datePublished":"2020-06-09T00:08:00Z","dateModified":"2026-03-03T06:55:20Z"},"rendered":"<meta name=\"parsely-title\" content=\"World Insurance Report 2020: Milleniaalinen ajattelutapa n\u00e4kyy jo kaikenik\u00e4isten kuluttajien vakuutushankinnoissa\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/news\/press-releases\/world-insurance-report-2020\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-pub-date\" content=\"2020-06-09T00:08:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/press-release"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/336"}],"version-history":[{"count":5,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions"}],"predecessor-version":[{"id":541762,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release\/483096\/revisions\/541762"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=483096"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=483096"},{"taxonomy":"press-release-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/press-release-type?post=483096"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=483096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}