EP 54 – Karin Zulkarnaen – CMO Allianz Indonesia – Insurance Is Part of Life


Michael Waitze has been podcasting with some of the best investors and business builders globally and discussing all things startup with them from an Asian perspective. Michael worked in Global Finance for more than 20 years, employed by firms like Citigroup, Morgan Stanley, and Goldman Sachs, primarily in Tokyo. Michael always maintained a particular focus on how technology could be used successfully to make businesses more efficient and to drive P/L growth. Michael is quite skilled at connecting people and capital to innovative ideas and is a trusted advisor to both investors and founders. Michael is a leader in the digital media space, having pioneered the concept of a podcast network in Asia while building the biggest and fastest-growing listener base in the region. His flagship website, AsiaTechPodcast.com, has listeners in over 100 countries and is available on virtually every podcast player that supports RSS feeds.

Karin Zulkarnaen served as Chief Marketing Officer at Allianz Life Indonesia to lead marketing function by developing marketing strategy including new products and programs roll out, new customer acquisitions program as well as customer retention programs, internal and external communications and Corporate Social Responsibility activities to improve Allianz reputation in the market.

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In this episode, Michael Waitze talks to Karin Zulkarnaen, the Chief Marketing Officer of Allianz Life Indonesia. Karin has spent 15 years with Allianz and talks about the massive changes technology has brought to the insurance industry and how it is helping to shape the future of insurance in a country like Indonesia.

With insurance penetration below 5%, Indonesia presents massive opportunities but its geographical location with over 18,000 islands comes with its own challenges. Digital solutions and partnerships with digital marketplaces help insurers access clients in remote areas that do not have a large agent network. 

Karin talks about alternative distribution and the rise of superapps like Grab and Gojek. Allianz was the first insurer to offer innovative products to Gojek drivers. Instead of an annual premium, drivers can pay the premium on a daily basis. The payments are collected through GoJek’s platform GoPay. 

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