شناسایی و ارزیابی ریسک های ناشی از تحول دیجیتال در صنعت بیمه

نوع مقاله : مقاله پژوهشی

نویسندگان

1 استاد، گروه حسابداری و مدیریت، دانشگاه آزاد اسلامی واحد علوم تحقی قات، تهران، ایران

2 استادیار، گروه حسابداری، واحد شهر قدس، دانشگاه آزاد اسلامی، تهران، ایران.

10.30495/jik.2023.64774.3818

چکیده

ورود نوآوری‌های فناورانه به صنعت بیمه روندی است که در سال‌های اخیر به راه افتاده است. پژوهش‌ها نشان می‌دهد تحول دیجیتال می‌تواند تاثیر گسترده‌ای بر زنجیره ارزش بیمه بگذارد. همچنین دیجیتالی شدن ابزارهای جدیدی را ارائه می‌دهد و منجر به بهینه سازی صنعت بیمه می شود. به وجود آمدن فناوری‌های بیمه‌ای یا اینشورتک تعدادی مزیت رقابتی را از قبیل افزایش سرعت تصمیم‌گیری، فرصت‌هایی برای گسترش پرتفوی ، ابزارهایی برای ارزیابی ریسک و ردیابی کلاهبرداری برای شرکت‌های بیمه فراهم می‌سازد. بکارگیری فناوری‌های دیجیتال به شرکت‌ها کمک می‌کند تا کارآیی فرآیندهای کاری خود را افزایش دهند. این مقاله به بحث درباره ابزارهای اینشورتک که درمهمترین فرآیندهای کاری یک شرکت بیمه از نظر تأمین خدمات بیمه، به کار گرفته می‌شود پرداخته، اثربخشی استفاده از آن‌ها را مورد ارزیابی قرار داده، و ریسک‌های مرتبط را مشخص می‌نماید. در واقع، تأثیر دیجیتالی‌سازی و ریسک های ناشی از تحول دیجیتال بر فعالیت‌های شرکت‌های بیمه و فرآیندهای کاری آن‌ها نباید دست کم گرفته شود.

کلیدواژه‌ها

عنوان مقاله [English]

Identify and evaluate the risks of digital transformation in the insurance industry

نویسندگان [English]

  • Fraydoon Rahnamay Roodposhti 1
  • Anahita Zandi 2
1 Department of Accounting, Science and Research Branch,Islamic Azad University,Tehran,Iran
2 assistant professor at Islamic Azad University, Shahr Quds Unit
چکیده [English]

The introduction of technological innovations into the insurance industry is a trend that has taken place in recent years. Research shows that digital transformation can have a far-reaching impact on the insurance value chain. Digitization also offers new tools and leads to optimization of the insurance industry. The emergence of insurance or insurance technologies provides insurance companies with a number of competitive advantages, such as increased decision-making speed, portfolio expansion opportunities, risk assessment tools, and fraud tracking. The use of digital technologies helps companies increase the efficiency of their business processes. This article discusses Inshortek tools that are used in the most important business processes of an insurance company in terms of providing insurance services, evaluates the effectiveness of their use, and identifies the associated risks. Indeed, the impact of digitalisation and the risks of digital transformation on the activities of insurance companies and their business processes should not be underestimated.

کلیدواژه‌ها [English]

  • Insurance
  • work processes
  • digitalization
  • insurance technologies (Inshortech)

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