Primjena analize velikih podataka u poslovanju društava za osiguranje

master's thesis

• Title (english): Application of big data on insurance companies business conduct
• Author: Donna Crnković
• Mentor: Jakša Krišto (mentor); MBZ: 286511
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2019-09-24, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Društva za osiguranje imaju važan udjel u financijskom sektoru te su vrlo bitna za stabilnost financijskog sektora, ali također i za gospodarski razvoj globalne ekonomije. U posljednjih nekoliko godina pojam veliki podatci (eng. big data) najčešće su korišteni izraz u industriji informatičke tehnologije. Osim stručnjaka u industriji informatičkih tehnologija, pojam se sve češće koristi u svakodnevnom životu buduci da analiza velikih podataka mijenja kvalitetu života pojedinca. Analiza velikih podataka i nove tehnologije korištene su kao alat u poslovanju poduzeća različitih industrija za kvalitetnije donošenje poslovnih odluka. Napretci u razvitku umjetne inteligencije, nove metode analize podataka te nastanak novih uređaja koji imaju mogućnost umreživanja putem interneta, doveli su do promjene principa poslovanja i u industriji osiguratelja. S obzirom na nove izvore podataka, omogućen nam je uvid u korisnikove životne navike te ponašanje koja društva za osiguranje koriste kako bi bolje procijenili rizike kojima je pojedinac izložen. Mogućnost preciznijeg određivanja rizika zbog upotreba velikih podataka dovodi do boljeg usklađivanja cijene premije s rizikom te smanjenja cjelokupnog troška osiguranja. Osim prednosti koje su veliki podatci uveli u poslovanje društava za osiguranje, u javnosti se pojavila i zabrinutost vezana uz privatnost, diskriminaciju te osjećaj konstantnog nadzora od strane poduzeća. S obzirom da korisnici interneta u potpunosti ne shvaćaju kako se njihov digitalni trag može iskoristiti, postoji mogućnost da tehnološka poduzeća prošire svoju djelatnost te postanu konkurentni tradicionalnim društvima za osiguranje koji nemaju pristup i znanje analizi velikih podataka niti stručnom kadru.

Abstract (english)

Insurance companies hold a significant part in the financial sector and are very important for the stability of the financial sector, but also for the development of global economy. In the last few years, the term big data is the most used term in the industry of information technology. Except being used by experts in the industry of information technology, the term is more and more often used in everyday life, since the analysis of big data changes the quality of an individual's life. Analysis of big data and new technologies are also used as a tool in company business by different industries, all for making better quality business decisions. Advances in artificial intelligence development, new methods of data analysis and creation of new devices that have the possibility of connecting through internet have brought to a change of business principles and changes in the insurance industry. With regards to new data sources, we have been allowed an insight into an user's life habits and behavior, which insurance societies can use to better assess the risks to which the individual is exposed. The possibility of a more precise assessment of risk, because of big data usage, leads to a better syncing of premium prices with risk and a decrease of the whole cost of insurance. Except for the benefits which big data have brought into insurance company business, an uneasiness has appeared in the public related to privacy, discrimination and a constant surveillance by companies. Regarding that internet users do not understand completely how their digital trace can be used, there is a possibility that technological companies expand their activities and become competitive to traditional insurance companies, which do not have access and knowledge about big data nor expert staff.

• Keywords: društva za osiguranje; veliki podatci; analiza velikih podataka; upravljanje rizikom
• Keywords (english): insurance companies; big data; big data analysis; risk management
• Language: croatian
• URN:NBN: urn:nbn:hr:148:226942
• Study programme: Title: Business Economics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2019-09-24 11:24:44