Перспективи використання дронів і автономних систем у процесах оцінки страхової вартості та страхових збитків
Ключові слова:
страхування, технології, дрони і автономні системи, InsurTech, оцінка, страхова сума, страховий збиток
Анотація
У статті окреслено використання цифрових та технологічних новацій у страхуванні, актуалізовано використання автономних систем та дронів. Визначено перспективи використання у страхуванні дронів і автономних систем у період війни та післявоєнного відновлення повноцінного функціонування економіки України. Досліджено застосування автономних систем і дронів у різних видах страхування. Визначено, на яких етапах технології реалізації страхового продукту автономні системи і дрони можуть бути застосовані, розкрито ризики та ефективність застосування їх страховиками для оцінки страхової вартості та страхових збитків.
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Посилання
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2. Bazylevych, V. D., Prykazyuk, N. V. & Lobova, O. M. (2020) Tsyfrovizatsiya u zabezpe-chenni konkurentnykh perevah strakhovykh kompaniy. [Digitization in ensuring competitive advantages of insurance companies]. Ekonomika ta derzhava – Economy and the state, 2, 15-20. [in Ukrainian].
3. Denysenko, M.P. & Korhun, O.P. (2015) Innovatsiyi na strakhovomu rynku Ukrayiny. [Innovations in the insurance market of Ukraine]. Investytsiyi: praktyka ta dosvid – Investments: practice and experience, 21, 79-82. [in Ukrainian].
4. Erastov, V.I. (2018) Internet strakhuvannya na rynku strakhovykh posluh Ukrayiny [Internet insurance on the market of insurance services of Ukraine]. Candidate’s dissertation. Kyiv National Taras Shevchenko University. Kyiv. Retrieved from: http://scc.univ.kiev.ua/upload/iblock/3d8/ dis_Erastov%20V.I..pdf [in Ukrainian].
5. Ilʹchuk, V.P., Parubetsʹ, O.M. & Suhonyako, D.O. (2018) Innovatsiyni pidkhody do rozvytku rynku kiberstrakhuvannya v Ukrayini. [Innovative approaches to the development of the cyber insurance market in Ukraine]. Efektyvna ekonomika – Efficient economy, 5. Retrieved from: http://www.economy.nayka.com.ua/ pdf/5_2018/5.pdf [in Ukrainian].
6. Naumenkova, S.V. & Mishchenko, S.V. (2010) Rynok finansovykh posluh [Financial services market]. Kyyiv.[in Ukrainian].
7. Nechyporuk, L. (2016) Innovatsiyi na rynku strakhovykh posluh v umovakh merezhevoyi ekonomiky [Innovations in the market of insurance services in the conditions of the network economy]. Wspolczesne trendy w gospodarce i sektorze publicznym – Contemporary trends in the economy and the public sector. Opole: The Academy of Management and Administration in Opole, 2.8, 165-174. [in Ukrainian].
8. Pikus, R. & Zakolodyazhnyy, V. (2015) Innovatsiynyy rozvytok strakhovoyi diyalʹnosti yak osnova pidvyshchennya yiyi efektyvnosti. [Innovative development of insurance activity as a basis for increasing its efficiency]. Visnyk Kyyivsʹkoho natsionalʹnoho universy-tetu im. Tarasa Shevchenka – Bulletin of Kyiv National University named after Taras Shevchenko. Economy, 3, 72-80. [in Ukrainian]..
9. Tkachenko, N. (2022) Spozhyvatsʹka loyalʹnistʹ yak marker efektyvnosti strakho-voho biznesu v umovakh didzhytalizatsiyi strakhovoho rynku. [Consumer loyalty as a marker of the effectiveness of the insurance business in the conditions of digitalization of the insurance market]. Naukovi zapysky Natsionalʹnoho universytetu «Ostrozʹka akademiya». Seriya «Ekonomika» – Scientific notes of the National University "Ostroh Academy". "Economy" series, 26(54), 101–106. [in Ukrainian].
10. Shubenko I. A. (2020) Tendentsiyi didzhytalizatsiyi na strakhovomu rynku Ukrayiny. [Digitization trends in the insurance market of Ukraine]. Biznes Inform – Business Inform, 2, 273-279. DOI: https://doi.org/10.32983/2222-4459-2020-2-273-279. [in Ukrainian].
11. Lehmann, M. & Eling, M. (2018) The Impact of Digitalization on the Insurance Value Chain and the Insurability of Risks. Geneva Papers on Risk and Insurance, 43, 359-396. Retrieved from: https://www.researchgate.net/publication/ 321636110_The_Impact_of_Digitalization_on_the_Insurance_Value_Chain_and_the_Insurability_of_Risks.
12. Tischhauser, P., Naumann, M. & Candreia, A. (Ed.) (2016) Digitalisierung: Der Schweizer Versicherungssektor im Umbruch. The Boston Consulting Group. Retrieved from: http://image$src.bcg.com/ BCG_COM/Report_Digitalisierung_ tcm2040440.pdf.
13. Bieck, C. & Cornelius, A. (2014) Winning strategies for insurers. How industry leaders are excelling outside the comfort zone. IBM Institute for Business Value. Retrieved from: https://www.ibm.com/downloads/cas/ BWXDNV7Y.
14. Pandemiya pryskoryla hlobalʹnu tsyfrovizatsiyu ta transformatsiyu strakhuvannya. [The pandemic has accelerated the global digitalization and transfor-mation of insurance.] Forinshurer – Forinsurer. Retrieved from: https://forinsurer.com/news/22/07/21/41520. [in Ukrainian].
15. Hlobalʹnyy rynok strakhovykh tekhnolohiy InsurTech do 2032 roku dosyahne $165,4 mlrd. [The global market for InsurTech insurance technologies will reach $165.4 billion by 2032]. Forinshurer – Forinsurer. Retrieved from: https://forinsurer.com/news/22/07/12/41470. [in Ukrainian].
16. Insurtech Trends – Report Bundle (7 Reports). 2022. Retrieved from: https://www.globaldata.com/store/report/insurtech-trends-bundle/
17. Datsenko, V. (2022) Armiyi droniv. Yak bezpilotnyky zaminyuyutʹ artyleriyu, aviatsiyu i katery na viyni v Ukrayini [Armies of drones. How drones replace artillery, aviation and boats in the war in Ukraine]. Forbes Ukraine. Retrieved from: https://forbes.ua/war-in-ukraine/armii-droniv-yak-u-viyni-v-ukraini-bpla-zaminyuyut- artileriyu-aviatsiyu-i-kateri-06122022-10273 [in Ukrainian].
18. Drone technology has dual benefits for insurers: accurate loss adjustments and cover for users. Life Insurance International. Retrieved from:https://www.lifeinsuranceinternational.com/comment/drone-technology-insurers-benefits/
19. Webster, P. (2022) Drone insurtech: insurance claims investigation from above. FintechOS. Retrieved from: https://fintechos.com/blogpost/drone-insurtech-for-insurance-claims-investigation/
Переглядів анотації: 25 Завантажень PDF: 17 Завантажень PDF: 3
Опубліковано
2023-02-02
Як цитувати
(1)
Харченко, А.; Шабанова, О.; Гнатюк, В.; Самосват, О. Перспективи використання дронів і автономних систем у процесах оцінки страхової вартості та страхових збитків. fp 2023, 98-109.
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