Utjecaj InsurTech inovacija na industriju osiguranja

master's thesis

• Title (english): The impact of InsurTech innovations on the insurance industry
• Author: Ana Karalić
• Mentor: Dalia Suša Vugec (mentor)
• Committee member: Mario Spremić (član povjerenstva)
• Committee member: Branka Tuškan Sjauš (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2024-09-23, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Napredak tehnologije u posljednjem je desetljeću unio velike promjene u cijeli financijski sektor, uključujući industriju osiguranja. Nakon dugogodišnjeg tradicionalnog načina poslovanja osiguravajućih kompanija, novi oblici tehnologije omogućili su im da sve više digitaliziraju svoje procese te se posvete inovativnim tehnološkim rješenjima koja su u industriji osiguranja dobila ime InsurTech. Uvođenje alata poput umjetne inteligencije, ali i sve informacijski i digitalno pismenijeg stanovništva omogućilo je osnivanje osiguravajućih kompanija koje rade u potpunosti u digitalnom obliku, bez fizičkog kontakta s korisnicima. Predmet ovog rada jesu informacijska i digitalna pismenost te njihova važnosti pri ponudi, ali i korištenju InsurTech usluga. Cilj rada je analizirati i usporediti stavove i percepcije ljudi o InsurTech-u, ovisno o njihovoj dobi te razini digitalne pismenosti. Za potrebe pisanja rada korišteni su sekundarni izvori podataka poput stručne literature i znanstvenih članaka iz područja informacijske tehnologije i osiguranja te je provedeno primarno istraživanje u obliku anketnog upitnika. Istraživanje provedeno putem anketnog upitnika pokazalo je kako su digitalna i informacijska pismenost veoma povezane sa stavovima o InsurTech-u. Odnosno, više razine ovih oblika pismenosti pozitivno su korelirane s pozitivnim stavovima prema InsurTech-u te obratno. S obzirom na to da su mlađe generacije digitalno pismenije, spremnije su na korištenje digitalnih oblika osiguranja, za razliku od starijih generacija koje i dalje u određenoj mjeri preferiraju tradicionalne oblike usluga.

Abstract (english)

The advancement of technology in the last decade has brought significant changes to the entire financial sector, including the insurance industry. After years of traditional business practices by insurance companies, new advanced technologies have enabled them to increasingly digitize their processes and focus on technological innovations known as InsurTech. The introduction of tools like artificial intelligence, along with a more informationally and digitally literate population, has facilitated the establishment of insurance companies that operate entirely in digital formats, without physical contact with customers. This thesis focuses on information and digital literacy, emphasizing their significance in the adoption and utilization of InsurTech services. The aim is to analyze and compare people's attitudes and perceptions towards InsurTech, considering their age and digital literacy levels. Secondary sources, such as scientific articles on technology and insurance, were utilized for this thesis, complemented by primary research conducted through a survey questionnaire. A survey conducted through a questionnaire revealed that digital and information literacy are closely linked to attitudes towards InsurTech. In other words, higher levels of these forms of literacy are positively correlated with favorable attitudes towards InsurTech, and vice versa. Given that younger generations are more digitally literate, they are more willing to use digital forms of insurance, unlike older generations who still, to some extent, prefer traditional forms of services.

• Keywords: digitalna i informacijska pismenost; digitalna transformacija; industrija osiguranja; InsurTech
• Keywords (english): digital and information literacy; digital transformation; insurance industry; InsurTech
• Language: croatian
• URN:NBN: urn:nbn:hr:148:087734
• Study programme: Title: Business economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2024-09-23 13:52:11