Umjetna inteligencija i big data tehnologija u industriji osiguranja

master's thesis

• Title (english): Artificial intelligence and big data technology in insurance industry
• Author: Martina Perković
• Mentor: Jakša Krišto (mentor)
• Committee member: Mario Spremić (predsjednik povjerenstva)
• Committee member: Ivan Strugar (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2020-09-25, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Globalizacija i modernizacija značajno utječu na svakodnevno ponašanje pojedinaca, industrije i poslovnih subjekata. Poslovanje se svakodnevno mijenja pod utjecajem digitalnih tehnologija i uvođenja digitalnih resursa što se smatra procesom i pojavom digitalne transformacije. Gotovo da nema djelatnosti koja ne prolazi ili planira provođenje transformacije pod okriljem tehnologije. Transformacija nije zaobišla niti industriju osiguranja, često okarakteriziranu kao konzervativnu i tradicionalnu djelatnost, koja polako usvaja određene tehnologije i surađuje s InsurTech poduzećima.
Big data od velikog je značaja za industriju kojoj su podaci primarni dio poslovanja. Koristeći strojno učenje i umjetnu inteligenciju, značajno mogu pojednostaviti i ubrzati poslovne procese, uštedjeti vrijeme i novac. Istodobno, zaposlenici bi se mogli posvetiti složenijim slučajevima i zadacima dok bi umjetna inteligencija rješavala operativne zadatke na temelju naučenih obrazaca ponašanja. Kao važan sudionik gospodarstva i ekonomije, osiguratelji trebaju prihvaćati digitalne tehnologije kako bi ubrzali svoje poslovne procese i učinili cjelokupno poslovanje dostupnijim za sve korisnike. Glavni cilj im je zadržati postojeće korisnike, ali i privući nove s naglaskom na nove generacije korisnika, pripadnike digitalnog doba.
Industrija osiguranja važan je pokretač gospodarske i ekonomske aktivnosti zemlje i kao takva treba prihvaćati promjene, ulagati u edukaciju zaposlenika i tehnologiju, kako bi uspješno odgovorila potrebama i zahtjevima kupaca koristeći svoju ekspertizu u suradnji s tehnološkim kompanijama.

Abstract (english)

Globalization and modernization has had significant impact on individuals, industries and business subjects. Business is changing daily, as the result of developing digital technology and the introduction of digital resources, known as process of digital transformation. Moreover, there is no industry that does not go or at least planning to go through the process of digital transformation.
Although, historically considered a highly conservative and traditional industry, today insurance industry is moving forward, embracing the new technologies and colaborating with InsurTechs.
Big data technology has a big impact on industry where data are primary part of the business. Using machine learning and artificial intelligence can significantly simplify and speed up business processes, saving time and money in the same time. At the same time, employees could engage in more complex cases and tasks while the artificial intelligence would solve operational tasks based on learned patterns of behavior. As an important player in the economy, insurers need to embrace digital technologies to accelerate their business processes and make business more accessible to all users. Their main goal is to keep existing users, but also to attract new ones, focusing on generation Y and Z.
Insurance industry, as important initiator of economic activities, has to accept the changes, invest time and money in education of employees and technology in order to respond on customer requirements and needs by using it own expertise and in collaboration with tech companies.

• Keywords: digitalna transformacija; digitalne tehnologije; big data; strojno učenje; umjetna inteligencija; industrija osiguranja
• Keywords (english): digital transformation; digital technologies; big data; machine learning; artificial intelligence; insurance industry
• Language: croatian
• URN:NBN: urn:nbn:hr:148:967911
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and 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: 2020-09-29 11:27:01