INTELLIGENT BRANDS // Mobile Technology
photographs that need to accompany the claim.
The claimant is anxious as they are looking for a
fast and easy settlement. If the assessor has to
ask the claimant for paperwork and request that
it is sent somewhere and then maybe returned for
a signature, then the claimant becomes unhappy
as this causes unnecessary delays and stress.
The assessor has to make multiple trips and may
also lose some of the paper work in the process.
However, if that assessor can complete the
paperwork by instantly capturing the information
on a mobile phone, with no more effort than
selecting the particular workflow within an app on
the phone screen, taking a picture and letting the
application save it in the right format – how easy
and fast does this make it?
Ensuring that a high quality and quick service
is offered will most likely result in the claimant
staying with the current insurer. This also means
that for an insurer, there is less processing cost,
less chance of mistakes and loss of documentation
as capture is happening at the point of need.
At a glance…
Qatar mobile market may
see 4.86 million subscribers
by year-end
According to a
report published
by BMI, Qatar’s
mobile market will
end this year with
4.86 million mobile
subscribers, rising
to 5.42 million at
the end of BMI’s
forecast period
in 2020. The
country’s mobile subscriber base expanded by 9.7% in 2015, which
was slightly less than the growth of 10.8% recorded in 2014.
Logistics
Let’s look at another application – a logistics
company has owner drivers delivering goods. This
involves the drivers having to submit paperwork
to the local branch, after which the driver’s
payments are activated based upon the number
and distances of the deliveries and the customers
in turn are invoiced for such deliveries. The
paperwork submission is vital, as it ensures that
the company can track what goods are delivered
and where (SLA compliance). If the driver has to
work with paper delivery notes, they either have
to return to base at the end of the shift, or else
submit paperwork when they first start work.
However, the driver may not always be starting
from the same point. “Growth was fuelled by a variety of social and economic factors,
including continued migrant worker growth and infrastructure
projects related to the upcoming 2022 FIFA World Cup,” BMI said in
its latest ‘Qatar Telecommunications Report’.
The delay in filing paper work will mean that
drivers do not get paid and the logistics company
cannot get paid by customers. It is equally
important in logistics that the company has the
right data at all times to be able to answer any
customer queries with regards to deliveries. In the
past drivers were perhaps given PDAs but there
was still the regulatory need to have paper copies.
The use of mobile capture via the drivers’ mobile
phones now means that the logistics company
can control the workflow and ensure that data is
easily collected at the point of need. “Although positive subscriber growth will continue for the duration
of our forecast, we expect it slow significantly in the later forecast
years. Qatar’s telecoms market benefits from a wealthy population
and this drives demand for advanced data services. High average
revenue per unit (ARPU) is underpinned by the uptake of LTE
(Long Term Evolution) and fibre services in the country, as well as
multiple-SIM ownership through multiple-device ownership such as
smartphone, tablet and dongle,” BMI said.
Both cases are similar, and are about capturing
data at point of need, minimising loss and
speeding up a process.
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BMI maintains its prediction that broadband subscriber numbers
will grow steadily from an estimated 527,000 at the end of 2015 to
more than 803,000 by the end of 2020. This will be equivalent to a
penetration rate of 32.7%, up from 23.6% in 2015.
In 2015, Qatar’s mobile market continued to experience
robust growth, outperforming BMI’s initial forecasts. Key factors
contributing to the expanding subscriber base included the
growth of the migrant population, which is associated with major
infrastructure and economic development projects – including those
related to the upcoming 2022 FIFA World Cup, BMI said.
Qatar ranks third in BMI’s latest Risk/Reward Index for the
Middle East and North Africa, with a score of 60.3 compared
to a regional average of 46.2. BMI, however, said that the
“primary economic threat” for Qatar is low energy prices. With
the economy reliant on oil and gas exports, the ongoing slump
in global energy prices could eventually pose “downside risks” to
the country’s growth outlook.
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