Вплив InsurTech на розвиток страхового ринку
Ключові слова:
цифровізація, страховий ринок, бізнес-процеси, технологічні компанії у страхуванні (InsurTech компанії), страховий сектор, інноваційні бізнес-моделі
Анотація
У статті досліджено підходи до тлумачення поняття InsurTech, здійснено спробу охарактеризувати особливості InsurTech компаній та запропоновано авторське визначення. Оцінено стан ринку InsurTech, включаючи: зміну в динаміці обсягів залучених інвестицій і кількості стартапів. Обґрунтовано роль InsurTech компаній, як каталізаторів змін у моделях взаємодії надавачів страхових послуг з клієнтами, ціновій політиці і в цілому, у переході страхової індустрії до нової стратегії «зниження і попередження ризику».
Завантаження
Дані завантаження ще не доступні.
Посилання
1. Kaesler, S. (2019). A new industry model for insurtech. McKinsey&Company. www.mckinsey.com. Retrieved from: https://www.mckinsey.com/industries/financial-services/our-insights/insurance-blog/a-new-industry-model-for-insurtech.
2. Kneysler, O., Spasiv, N., & Korol, S. (2021). Novelizatsiyni tendentsiyi rozvytku strakhovykh kompaniy v Ukrayini. [Novelization trends in the development of insurance companies in Ukraine]. Svit Finansiv-World of finance, 2, 102-114. [in Ukrainian].
3. Shevchuk, O.O. (2019). Tsyfrova transformatsiya u strakhovii industrii. [Digital transformation in the insurance industry]. Visnyk universytetu bankivskoi spravy- Bul-letin of the University of Banking, 34, 10-18. [in Ukrainian].
4. Sosnovska, O.O. (2021). Innovatizatsiya strakhovoho biznesu v umovakh rozvytku tsyfrovoyi ekonomiky. [Innovation in the insurance business in the conditions of the digital economy development.] Business Inform, 7, 62-69. [in Ukrainian].
5. Braun, A. & Schreiber, F. (2017). The current insurtech landscape: Business models and disruptive potential. Institute of Insurance Economics I. VW-HSG, University of St. Gallen. www.ivw.unisg.ch. Retrieved from: https://www.ivw.unisg.ch/~/media/internet/content/dateien/instituteundcenters/ivw/studien/ab-insurtech_2017.pdf.
6. Linden, S.V., Millie, S., Anderson, N. & Chishti, S. (2018). The Insurtech Book. Wiley.
7. Catlin, T., Lorenz, J., Munstermann, B., Olesen, B. & Ricciardi, V. (2017). Insurtech — the threat that inspires. McKinsey&Company. Retrieved from: https://www.mckinsey.com/industries/financial-services/our-insights/insurtech-the-threat-that-inspires.
8. Stoeckli, E., Dremel, C. & Uebernickel, F. (2018). Exploring characteristics and transformational capabilities of InsurTech innovations to understand insurance value creation in a digital world. Electron Markets, 28, 287-305. DOI: https://doi.org/10.1007/s12525-018-0304-7
9. Jackson Mueller. (2018). InsurTech Rising: A Profile of the InsurTech Landscape. Milken Institute. Retrieved from: https://milkeninstitute.org/sites/default/files/reports-pdf/InsurTech-Rising-12.4.18.pdf.
10. World Insurance Report (2018). Worldinsurancereport.com. Retrieved from: https://worldinsurancereport.com/wp-content/uploads/sites/6/2018/10/World-Insurance-Report_2018.pdf.
11. Creating value, finding focus: Global Insurance Report. (2022). www.mckinsey.com. Retrieved from: https://www.mckinsey.com/industries/financial-services/our-insights/creating-value-finding-focus-global-insurance-report-2022.
12. Wang, Q. (2021). The impact of insurtech on Chinese insurance industry. Procedia Computer Science, 187, 30-35. Retrieved from: https://reader.elsevier.com/reader/sd/pii/S1877050921008073?token=F67F85D7AAFB6F7C3EFE8187E1B82C9897D5ED345039DA9EFF431270C0E6DC4532403C8BCFB4A72C6917E5D69C3334A2&originRegion=eu-west-1&originCreation=20230125162417
13. National Association of Insurance Commissioners. (n.d.). Insurtech. content.naic.org. Retrieved from: https://content.naic.org/cipr-topics/insurtech
14. Lapishko, Z. Ya. & Yevtukh, L. B. (2022). Perspektyvy diyal'nosti finansovykh supermarketiv v umovakh tsyfrovoyi transformatsiyi v Ukrayini. [Prospects for the activity of financial supermarkets in the conditions of digital transformation in Ukraine]. Ekonomika ta suspilstvo - Economy and Society, 40, 107-112. [in Ukrainian].
15. Lapishko, Z. (2022). The role of gamification in the development of the insurance business. In Innovatsiyni tekhnolohiyi u rozvytku suchasnoho suspilʹstva: tezy dopovidey: IV Mizhnarodnoyi naukovo-praktychnoyi konferentsiyi [Innovative technologies in the development of modern society: Proceedings of the IV International Scientific and Practical Conference] (pp. 126-128). Lviv, Ukraine: Lviv Polytechnic Publishing House. [in Ukrainian].
16. NTT DATA. (2022). Insurtech global outlook 2022. www.datocms-assets.com. Retrieved from: https://www.datocms-assets.com/62362/1649683882-ntt-data_insurtech-global-outlook-2022_insurtechs.pdf
17. Capgemini and Efma. (2021). World InsurTech Report. Retrieved from: https://worldinsurtechreport.com/
18. Otsinka nimetskoho inshurtek-iedynorohu Wefox perevyshchyla $3 mlrd. [German insurtech unicorn Wefox valued at over $3 billion]. forinsurer.com. Retrieved from: https://forinsurer.com/news/22/06/22/41407 [in Ukrainian].
19. EIS Group. (2020). The Customer Compass: Navigating the Future of Insurance. www.eisgroup.com. Retrieved from: https://www.eisgroup.com/resources/the-customer-compass-navigating-the-future-of-insurance.
20. Catlin, T. Lorenz, J.T. Nandan, J. Sharma, S. & Waschto, A. (2018). Insurance beyond digital: The rise of ecosystems and platforms. www.mckinsey.com. Retrieved from: https://www.mckinsey.com/industries/financial-services/our-insights/insurance-beyond-digital-the-rise-of-ecosystems-and-platforms.
21. A Look at 5 Big Tech Partnerships in Insurance. ancileo.com. Retrieved from: https://ancileo.com/a-look-at-5-big-tech-partnerships-in-insurance/
22. Katalog fintekh-kompaniy Ukrayiny (2021). [Catalog of fintech companies of Ukraine]. fintechua.org. Retrieved from: https://fintechua.org/market-map
2. Kneysler, O., Spasiv, N., & Korol, S. (2021). Novelizatsiyni tendentsiyi rozvytku strakhovykh kompaniy v Ukrayini. [Novelization trends in the development of insurance companies in Ukraine]. Svit Finansiv-World of finance, 2, 102-114. [in Ukrainian].
3. Shevchuk, O.O. (2019). Tsyfrova transformatsiya u strakhovii industrii. [Digital transformation in the insurance industry]. Visnyk universytetu bankivskoi spravy- Bul-letin of the University of Banking, 34, 10-18. [in Ukrainian].
4. Sosnovska, O.O. (2021). Innovatizatsiya strakhovoho biznesu v umovakh rozvytku tsyfrovoyi ekonomiky. [Innovation in the insurance business in the conditions of the digital economy development.] Business Inform, 7, 62-69. [in Ukrainian].
5. Braun, A. & Schreiber, F. (2017). The current insurtech landscape: Business models and disruptive potential. Institute of Insurance Economics I. VW-HSG, University of St. Gallen. www.ivw.unisg.ch. Retrieved from: https://www.ivw.unisg.ch/~/media/internet/content/dateien/instituteundcenters/ivw/studien/ab-insurtech_2017.pdf.
6. Linden, S.V., Millie, S., Anderson, N. & Chishti, S. (2018). The Insurtech Book. Wiley.
7. Catlin, T., Lorenz, J., Munstermann, B., Olesen, B. & Ricciardi, V. (2017). Insurtech — the threat that inspires. McKinsey&Company. Retrieved from: https://www.mckinsey.com/industries/financial-services/our-insights/insurtech-the-threat-that-inspires.
8. Stoeckli, E., Dremel, C. & Uebernickel, F. (2018). Exploring characteristics and transformational capabilities of InsurTech innovations to understand insurance value creation in a digital world. Electron Markets, 28, 287-305. DOI: https://doi.org/10.1007/s12525-018-0304-7
9. Jackson Mueller. (2018). InsurTech Rising: A Profile of the InsurTech Landscape. Milken Institute. Retrieved from: https://milkeninstitute.org/sites/default/files/reports-pdf/InsurTech-Rising-12.4.18.pdf.
10. World Insurance Report (2018). Worldinsurancereport.com. Retrieved from: https://worldinsurancereport.com/wp-content/uploads/sites/6/2018/10/World-Insurance-Report_2018.pdf.
11. Creating value, finding focus: Global Insurance Report. (2022). www.mckinsey.com. Retrieved from: https://www.mckinsey.com/industries/financial-services/our-insights/creating-value-finding-focus-global-insurance-report-2022.
12. Wang, Q. (2021). The impact of insurtech on Chinese insurance industry. Procedia Computer Science, 187, 30-35. Retrieved from: https://reader.elsevier.com/reader/sd/pii/S1877050921008073?token=F67F85D7AAFB6F7C3EFE8187E1B82C9897D5ED345039DA9EFF431270C0E6DC4532403C8BCFB4A72C6917E5D69C3334A2&originRegion=eu-west-1&originCreation=20230125162417
13. National Association of Insurance Commissioners. (n.d.). Insurtech. content.naic.org. Retrieved from: https://content.naic.org/cipr-topics/insurtech
14. Lapishko, Z. Ya. & Yevtukh, L. B. (2022). Perspektyvy diyal'nosti finansovykh supermarketiv v umovakh tsyfrovoyi transformatsiyi v Ukrayini. [Prospects for the activity of financial supermarkets in the conditions of digital transformation in Ukraine]. Ekonomika ta suspilstvo - Economy and Society, 40, 107-112. [in Ukrainian].
15. Lapishko, Z. (2022). The role of gamification in the development of the insurance business. In Innovatsiyni tekhnolohiyi u rozvytku suchasnoho suspilʹstva: tezy dopovidey: IV Mizhnarodnoyi naukovo-praktychnoyi konferentsiyi [Innovative technologies in the development of modern society: Proceedings of the IV International Scientific and Practical Conference] (pp. 126-128). Lviv, Ukraine: Lviv Polytechnic Publishing House. [in Ukrainian].
16. NTT DATA. (2022). Insurtech global outlook 2022. www.datocms-assets.com. Retrieved from: https://www.datocms-assets.com/62362/1649683882-ntt-data_insurtech-global-outlook-2022_insurtechs.pdf
17. Capgemini and Efma. (2021). World InsurTech Report. Retrieved from: https://worldinsurtechreport.com/
18. Otsinka nimetskoho inshurtek-iedynorohu Wefox perevyshchyla $3 mlrd. [German insurtech unicorn Wefox valued at over $3 billion]. forinsurer.com. Retrieved from: https://forinsurer.com/news/22/06/22/41407 [in Ukrainian].
19. EIS Group. (2020). The Customer Compass: Navigating the Future of Insurance. www.eisgroup.com. Retrieved from: https://www.eisgroup.com/resources/the-customer-compass-navigating-the-future-of-insurance.
20. Catlin, T. Lorenz, J.T. Nandan, J. Sharma, S. & Waschto, A. (2018). Insurance beyond digital: The rise of ecosystems and platforms. www.mckinsey.com. Retrieved from: https://www.mckinsey.com/industries/financial-services/our-insights/insurance-beyond-digital-the-rise-of-ecosystems-and-platforms.
21. A Look at 5 Big Tech Partnerships in Insurance. ancileo.com. Retrieved from: https://ancileo.com/a-look-at-5-big-tech-partnerships-in-insurance/
22. Katalog fintekh-kompaniy Ukrayiny (2021). [Catalog of fintech companies of Ukraine]. fintechua.org. Retrieved from: https://fintechua.org/market-map
Переглядів анотації: 12 Завантажень PDF: 21 Завантажень PDF: 3
Опубліковано
2023-06-19
Як цитувати
(1)
Лапішко, З. Вплив InsurTech на розвиток страхового ринку. fp 2023, 17-30.
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