The Impact of Innovative Technologies on the Insurance Market Operation

J. Łańcucki
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引用次数: 2

Abstract

Innovative technologies are being increasingly used on the insurance market, as well. However, while analyzing and assessing their impact on the market what must be taken into account are not only distributors of insurance services, but also institutions performing regulatory and supervisory tasks, and perhaps above all, customers and consumers. The present article seeks to analyze the conditions, benefits and barriers associated with the application of innovative technologies with special regard to big data analytics, artificial intelligence and the possibility of absorption of innovative products and services by their customers.It has been emphasized that while evaluating the suitability of innovative technologies for the insurance market it is vital to confront product offers provided by insurance undertakings and intermediaries with the expectations, needs and skills of the purchasers of these products.
创新技术对保险市场运行的影响
创新技术也越来越多地应用于保险市场。然而,在分析和评估它们对市场的影响时,必须考虑的不仅是保险服务的分销商,还有执行管理和监督任务的机构,也许最重要的是客户和消费者。本文旨在分析与创新技术应用相关的条件、利益和障碍,特别是大数据分析、人工智能以及客户吸收创新产品和服务的可能性。有人强调,在评价创新技术是否适合保险市场时,必须使保险企业和中介机构提供的产品符合这些产品购买者的期望、需要和技能。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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