El Asegurador LATAM Ene-Mar 24

EAL: The soundness of the INS is not questioned,
but the institution also requires changes to adapt to
the competition. What are the projects you plan to
implement in the short term?
MAE: I had corporate experience in banking
and investment banking in the private sector.
I participated in the process of opening the
stock market. We also worked on the digital
transformation of banks.
So obviously, for the president of the Republic, my
resume also played an important role when it came to
the challenges faced by the institution.
Regarding the projects, I must say that
Marchamo lasted six years, and its implementation
was impossible. We were looking for an ecological
approach to greater digital transformation, and
when we reviewed it, it did not imply an impact
that was worth continuing.
Our team and 16 other public institutions
recreated it from scratch in June 2023; in
December, we awarded it, and in January
2024, we will start with its implementation.
The Digital Marchamo consists of putting
a sticker and another piece of paper with all
the information of the tax plate and owners
in the glove compartment of vehicles.
Then, we looked for the latest technology
worldwide and benchmarked it. We
brought in passive RFID tags to ensure the
management of user information. The INS
decided that we would use a device (a chip)
so that the transit scanners could read it
within a short distance and thus invest more
in other institutions.
The sticker will last ten years for
automobiles and three to five years for
motorcycles.
With this plan comes not only a digital
transformation from the perspective of
dematerializing a tax or, let’s say, mandatory
insurance, but this technology could also be
implemented for the digital transformation of
cities as potential new uses of this platform.
We have yet to arrive there since such a
thing requires an investment, but once this
technology is implemented in the entire
vehicle fleet, we could proceed relatively
quickly to smart cities in future processes as
part of technology application.
Another significant matter is that the
World Bank saw this effort with very
good eyes as a way of managing vehicles
nationwide, and they want to present it as
a successful example of what it means to
manage Mandatory Automobile insurance.
The other project we recently signed
involves the interoperability between the
Mandatory Automobile insurance and the
Occupational Risk Insurance with the Social
Security Fund. The president of the Republic
signed a decree this year to create a single
digital file.
The INS has been working with the
Ministry of Health and the Social Security
Fund to have a single patient digital file
that will significantly help the digital
transformation because it will lower costs for
the efficiency of institutions’ public funds.
Previously, when a patient came to the
hospital because he had had a traffic accident
or an occupational hazard accident, and we
could not see their file, we had to perform all
the tests again.
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