Oblici primjene InsurTech-a i učinci na efikasnost poslovnih procesa osiguravajućih društava

master's thesis

• Title (english): InsurTech applications and effects on the insurance companies business processes efficiency
• Author: Davor Karamatić
• Mentor: Mihovil Anđelinović (mentor); MBZ: 279651
• Committee member: Mihovil Anđelinović (predsjednik povjerenstva)
• Committee member: Drago Jakovčević (član povjerenstva)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-02-01, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Digitalizacija poslovanja i primjena tehnoloških rješenja postaju sastavni dio strategije poslovanja svih financijskih institucija. Nove, inovativne i napredne tehnologije omogućavaju ostvarivanje mnogih prednosti institucijama čiji su poslovni procesi kompleksni i pod utjecajem brojnih unutarnjih te vanjskih faktora koji nameću potrebu kontinuiranog prilagođavanja poslovnoj okolini. Osiguravajuća društva, financijske institucije koje su se do nedavno oslanjale isključivo na tradicionalne metode poslovanja i odolijevale suvremenim trendovima digitalizacije, sada pod utjecajem financijske tehnologije kompletno restrukturiraju poslovne politike te aktivno primjenjuju tehnološka rješenja s ciljem stvaranja višestrukih dodanih vrijednosti za sebe i svoje osiguranike. Uvođenje poslovnih procesa te pružanje proizvoda i usluga u poslovanju osiguravajućih društava utemeljenih na inovativnim tehnološkim rješenjima s ciljem istiskivanja nepotrebnih troškova te povećanjem profitabilnosti i konkurentnosti poslovanja objedinjena je pod pojmom InsurTech. Kako bi se prikazao izrazito velik značaj financijske tehnologije u osiguranju i njezin intenzivan razvoj, unutar rada prikazane su različite metode, oblici i učinci primjene InsurTech-a u temeljnim poslovnim procesima osiguravajućih društava. Dodatno, prikazan je odnos digitalnih inovacija u osiguranju te zakonodavnog i regulatornog okvira uključujući njegove ograničavajuće faktore koji bi mogli usporiti primjenu financijske tehnologije u osiguranju. S ciljem shvaćanja u kolikoj mjeri domaće tržište osiguranja primjenjuje digitalne inovacije u poslovanju, istražene su karakteristike osigurateljnog tržišta Republike Hrvatske te najutjecajniji primjeri primjene InsurTech-a od strane domaćih osiguratelja. U svrhu ostvarivanja cilja diplomskoga rada, korištena je literatura koja obrađuje područje financijske tehnologije u industriji osiguranja. Uz dane naslove knjiga, znanstvenih, stručnih radova i članaka te različitih publikacija internacionalnih organizacija, korišteni su i materijali s web-stranica s ciljem prikupljanja najnovijih informacija i podataka vezanih uz temu koja se obrađuje.

Abstract (english)

Digitalization and application of technological solutions is becoming an integral part of the business strategy for all financial institutions. New, innovative and advanced technologies enable the realization of numerous advantages for institutions whose business processes are complex and under the influence of multiple internal and external factors that impose the need for continuous adaptation to the business environment. Insurance companies, financial institutions that until recently relied exclusively on traditional business methods and resisted modern digitalization trends, are now completely restructuring their business policies under the influence of financial technology and actively applying numerous technological solutions to create multiple added value for themselves and their policyholders. The introduction of business processes and provision of products and services in insurance based on innovative technological solutions with the aim of squeezing out unnecessary costs and increasing the profitability and competitiveness of business is united under the term InsurTech. In order to show the distinct importance of financial technology in the insurance industry and its intensive development, this thesis presents various methods, forms and effects of the InsurTech applications in the basic business processes of insurance companies. In addition, this thesis presents connection between digital innovations in the insurance industry and the legislative and regulatory framework, including its limiting factors that could slow down the application of financial technology in insurance. In order to understand the extent to which the domestic insurance market applies digital innovations in business and the characteristics of the Croatian insurance industry, the most influential InsurTech application examples by domestic insurers were researched. To achieve the aim of the thesis, the literature dealing with the field of financial technology in the insurance industry was used. In addition to the titles of books, scientific, professional papers and articles, as well as various publications of international organizations, materials from the numerous websites were used in order to collect the latest information and data related to the topic being covered.

• Keywords: osiguravajuća društva; financijska tehnologija; poslovni procesi; efikasnost
• Keywords (english): insurance companies; financial technology; business processes; efficiency
• Language: croatian
• URN:NBN: urn:nbn:hr:148:818696
• 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 authenticated users
• Created on: 2021-02-01 13:41:52