Цифровізація страхування

Abstract

Страхова індустрія знаходиться на порозі великих технологічних змін. Цифрове страхування, InsurTech, об'єднує в собі традиційне розуміння страхування з технологіями XXI століття. Штучний інтелект (ШІ), технології blockchain, Internet of Things (IoT)-пристрої можуть надавати реальні дані для допомоги в оцінці ризиків та контролю за страховими випадками. Перевагами цифровізації страхування є: підвищення ефективності та продуктивності; покращення обслуговування клієнтів; доступ до нових ринків; проактивне управління ризиками; зменшення шахрайства. Перспективами для розвитку цифрового страхування в Україні є: розвиток цифрової інфраструктури; розвиток фінтехіндустрії; законодавчі ініціативи; пов'язане страхування. Викликами є: проблеми з приватністю даних; кібербезпека; регулювання; виклики інтеграції; зміна корпоративної культури та навичок.

Digital technologies are fundamentally transforming the way businesses operate. Digital insurance holds significant growth potential and promising prospects for development. The insurance industry is on the cusp of significant technological changes. Therefore, the objectives outlined in this article are to define the essence of digital insurance and its advantages, characterize trends and development prospects, and describe the challenges and strategies for optimizing digital progress in insurance. Digital insurance entails the digitization of all insurance operations and replacing physical presence in insurance with online interactions. Digital insurance, known as InsurTech, combines traditional understanding of insurance with 21st-century technologies. Artificial intelligence (AI) can be used to analyze large volumes of data for better risk assessment and setting insurance premiums. Blockchain technologies can be used to create secure and transparent insurance contracts. Internet of Things (IoT) devices, such as smartwatches or vehicles, can provide real-time data to aid in risk assessment and insurance claim monitoring. Mobile applications and web platforms can provide convenient access to insurance services and information for customers. The most significant advantages of insurance digitalization will manifest in the following ways: Increased efficiency and productivity; Improved customer service ;Access to new markets; Proactive risk management; Reduction of fraud. Current trends in digital insurance include the utilization of Big Data, Artificial Intelligence (AI), and the Internet of Things (IoT) technologies. Digital insurance has significant growth potential. The prospects for the development of digital insurance in Ukraine include: Development of digital infrastructure; Development of the fintech industry; Legislative initiatives; Connected insurance. However, for successful development of digital insurance in Ukraine, it is necessary to overcome certain challenges, including: Data privacy issues; Cybersecurity; Regulation; Integration challenges; Change of corporate culture and skills. Three key strategies have been identified to optimize digital progress in the insurance sector: The importance of digital transformation for business success, yet the fear of fully unleashing its potential. Successful investments in digital self-service platforms and robotic process automation. Understanding the necessity for insurers to adopt a new approach to workforce reorganization that promotes genuine digital thinking within the organization. The main obstacle for insurers in becoming digital organizations is change management. Digitalization of the insurance industry provides significant opportunities for the development of this type of entrepreneurial activity, offering advantages for both insurance companies and clients.