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


Michael Waitze worked in Global Finance for more than 20 years, employed by firms like Citigroup, Morgan Stanley and Goldman Sachs, primarily in Tokyo.  Michael lived and worked in Tokyo from February 1990 until December 2011.  Michael always maintained a particular focus on how technology could be used to make businesses more efficient and to drive P/L growth. Michael is a leader in the digital media space, building one of the biggest and fastest-growing podcast listener bases in the region.  His AsiaTechPodcast.com show has listeners in more than 170 countries and his company, Michael Waitze Media produces some of Asia’s most popular podcasts.

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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