Business Intelligence e tomada de decisão comercial em plataformas insurtech do mercado de seguros imobiliários

Abstract

This article aims to analyze the contributions and limits of applying Business Intelligence (BI) associated with commercial KPIs to decision-making in insurtech platforms operating in the real estate insurance market. The study starts from the perception that, although Business Intelligence is widely discussed in consolidated markets, research directed at insurtech platforms specialized in real estate insurance remains limited, a context in which commercial decisions often coexist with partial or insufficient use of structured data. Methodologically, a qualitative and exploratory approach is adopted, based on bibliographic research on Business Intelligence, performance indicators, and data-driven decision-making, complemented by documentary analysis of sector materials, including publications from SUSEP and related sources. It is concluded that the most relevant commercial indicators are not the result ones, such as net premium and issued policies, but the leading and actionable ones, notably stage-by-stage conversion in the funnel and approval time; that BI supports decision-making by moving through the descriptive, predictive, and prescriptive process; and that the benefits of this application coexist with limits related to data quality and the exploratory nature of the study.