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Aladdin by Blackrock
From Albatross to Catalyst; Insurers can thrive when their tech unifies the investment management process
By Kunal Khara, Global Head of Financial Institutions and of Aladdin Products & Platform Services
Higher volatility, rising inflation, and regulation. Private markets, digital assets, future assets.
Income projection, capital planning, and strategic asset allocation.
ALM, cashflow, and balance sheet management.
Sustainability.
For an industry built on liability containment and risk management—the current state of play is a veritable potpourri of challenges and opportunities, especially when it comes to risk tolerance and investment strategies. These considerations are vast and dynamic. Meanwhile, every insurance team member must now have a risk point of view. Across teams they also must speak the same risk language.
Simply put, the job of investment management at insurance companies has gotten bigger.
And on top of that, there are very real (and highly competitive) megatrends that are driving an overall appetite for true, meaningful business transformation for insurers.
For instance, wholesale asset allocation in the insurance industry is changing; both from a total return perspective and when it comes to an income/balance sheet view—not only leading to incredible churn, but a stronger need to view and manage the whole portfolio effectively. That translates to a growing urgency to seamlessly bring together public and private markets assets, so that insurers can participate in all things alternative.
Meanwhile, tech-enabled transformation is gaining momentum. And as new, high-octane participants enter the industry, there is an opportunity for differentiation and acceleration through stable (and innovative) technology. Riding shotgun to that momentum? Business model disruption. Insurers also now need to find more sources of investment income, create increased transparency between business partners, and attract capital in new ways.
But it will be imperative that this transformation stands on a solid tech foundation—one based on a common data language across teams and business lines. That means a hyper-connected IBOR/ABOR for a fortified (and unified) set of workflows, robust analytics, and the ability to accurately report out to both regulators and the Street. Think of it as an unlocking mechanism that helps insurers focus better on insurance-specific core competencies like asset-liability management.
Lastly, framing the future has now become a facet of ordinary business for insurers. From business model disruption to asset allocation and through to forecasting—investment management teams have never before had to cast a line two, five, and even ten years from now—to comply with regulatory requirements, prove postures, and anticipate outcomes. And whether they’re focused on doing so for credit risk or physical/transition risk via climate, robust analytics and modeling capabilities are a must-have across the board.
In our latest annual Global Insurance Report—aptly titled Adapt and Thrive (Insurers seek opportunity in the changing world)— 65% of respondents anticipate that technology and digital transformation will be a primary driver in the industry over the next two years. However, 59% said that the greatest challenge regarding their tech infrastructure was an operating model built on multiple systems. These systems, together, act as a burdensome albatross that hangs around the neck of innovation, differentiation, and overhead.
To go from albatross to catalyst, they’ll need a tech platform that unifies the full investment management process, helps decommission multiple, unwieldy systems—and goes beyond a collection of disparate tools or data feeds.
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Aladdin® is a technology platform used by asset managers and owners including banks, financial institutions, pensions, corporations, insurers, and wealth managers. The Aladdin platform unifies the investment management process, providing a common data language within an organization to enable scale, provide insights, and support business transformation. Through eFront® technology, alternative investment data management is covered to meet the needs of alternative investment professionals worldwide and across all major alternative asset classes. From fundraising, fund administration and reporting to data services and analytics, the platform provides capabilities to support decision making and investment oversight.
Aladdin® and eFront® platforms bring together public and private asset class data to create an industry-recognized whole portfolio solution for investment professionals globally. Find out more at www.blackrock.com/aladdin | request@blackrock.com
This material is provided for informational purposes only and is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The opinions expressed are subject to change at any time without notice. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by BlackRock to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Performance and risk calculations, including those incorporated into Aladdin technology, are based on assumptions, historical correlations, and other factors (such as inputs provided by the Aladdin users) and are not assured to predict future results. All graphs and screenshots are for illustrative purposes only. BlackRock’s Aladdin platform is a financial technology platform designed for institutional, wholesale, qualified, and professional investor/client use only and is not intended for end investor use. Aladdin users undertake sole responsibility and liability for investment or other decisions related to the technology’s calculations and for compliance with applicable laws and regulations. The technology should not be viewed or construed by any Aladdin users, or their customers or clients, as providing investment advice or investment recommendations to any parties. For additional information on any of the descriptions contained herein, please contact your Aladdin Relationship Management representative. BlackRock may modify or discontinue any functionality or service component described herein at any time without prior advance notice to you.
Certain Aladdin technology products and services may not be offered by BlackRock in your local jurisdiction.
In the U.S. and Canada, this material is intended for institutional investors. In the UK, this material is for professional clients (as defined by the Financial Conduct Authority or MiFID Rules) and qualified investors only and should not be relied upon by any other persons. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock. In the EEA, this material is for professional clients, professional investors, qualified clients and qualified investors. For qualified investors in Switzerland: This information is marketing material. This material shall be exclusively made available to, and directed at, qualified investors as defined in Article 10 (3) of the CISA of 23 June 2006, as amended, at the exclusion of qualified investors with an opting-out pursuant to Art. 5 (1) of the Swiss Federal Act on Financial Services ("FinSA"). For information on art. 8 / 9 Financial Services Act (FinSA) and on your client segmentation under art. 4 FinSA, please see the following website: www.blackrock.com/finsa. In Singapore, this is for use only with institutional investors as defined in Section 4A of the Securities and Futures Act, Chapter 289 of Singapore. In the provision of any of the services described herein, neither BlackRock (nor any of its affiliates) will be acting in a capacity as investment adviser or broker-dealer nor will it be performing the functions of an organized market or exchange (and has not been recognized as doing so by the Monetary Authority of Singapore). In Hong Kong, the technology and the material is for distribution to "Professional Investors" (as defined in the Securities and Futures Ordinance (Cap.571 of the laws of Hong Kong) and any rules made under that ordinance.) and should not be relied upon by any other persons or redistributed to retail clients in Hong Kong. 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