InsurTech u funkciji razvoja inkluzivnog osiguranja u Republici Hrvatskoj

master's thesis

• Title (english): InsurTech as a driver of inclusive insurance development in Croatia
• Author: Mihaela Zdrilić
• Mentor: Jakša Krišto (mentor)
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Branka Tuškan Sjauš (član povjerenstva)
• Committee member: Ana Ivanišević Hernaus (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2022-06-27, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Posljednjih godina koncept financijske uključenosti dobiva sve značajniji zamah u zemljama u razvoju, pri čemu osigurateljna inkluzija predstavlja nužan preduvjet za osiguranje dugoročne održivosti financijski isključenih skupina stanovništva. Nedavna tehnološka revolucija uvelike je promijenila način rada, života i komunikacije ljudi te dovela do razvoja digitalnih financijskih usluga, koje su ubrzale i poboljšale osigurateljnu i financijsku inkluziju na globalnoj razini. Nova osigurateljna tehnologija pod nazivom InsurTech tako pomaže u pružanju proizvoda i usluga osiguranja putem internetskih kanala, smanjenju ovisnosti potrošača o fizičkim prodajnim mjestima, upravljanju operativnim rizicima društava za osiguranje, boljem prikupljanju i analizi korisničkih podataka te dizajnu proizvoda prilagođenih potrebama korisnika. Sve značajnija primjena tehnologije u osiguranju nameće i pojedine izazove tradicionalnoj industriji osiguranja, pri čemu industrija ulaže kontinuirane napore s ciljem njihovog prevladavanja i adekvatnog povećanja razine osigurateljne inkluzije. S ciljem ispitivanja potencijala InsurTech-a za povećanje osigurateljne inkluzije u Republici Hrvatskoj je provedeno anketno i kvalitativno istraživanje. Rezultati su pokazali kako postojeći i potencijalni korisnici proizvoda i usluga osiguranja još uvijek pokazuju skepticizam prema novim tehnološkim rješenjima u osiguranju, dok društva za osiguranje, InsurTech kompanije i regulatorno tijelo vide InsurTech kao način za povećanje dostupnosti osigurateljnih proizvoda svim potrošačima uz njihovu veću personaliziranost i prilagođenost. Sukladno tomu, bit će potrebno određeno vremensko razdoblje da InsurTech uđe u značajniju primjenu u domaćoj industriji osiguranja, pri čemu je neupitan njegov potencijal za povećanje razine osigurateljne inkluzije na zadovoljstvo svih uključenih strana.

Abstract (english)

In recent years, the concept of financial inclusion has gained increasing momentum in developing countries, with insurance inclusion being a necessary precondition for ensuring the long-term sustainability of financially excluded groups. The recent technological revolution has greatly changed the way people work, live and communicate and has led to the development of digital financial services, which have accelerated and improved insurance and financial inclusion globally. Insurance Technology (InsurTech) thus helps provide insurance products and services through online channels, reduce consumer dependence on physical outlets, manage the operational risks of insurance companies, better collect and analyze customer data and design products tailored to customer needs. The increasing application of technology in insurance also imposes certain challenges on the traditional insurance industry, but the industry is making continuous efforts with the aim of overcoming them and adequately increasing the level of insurance inclusion. In order to examine the potential of InsurTech in increasing insurance inclusion in Croatia, a survey and qualitative research were conducted. The results showed that existing and potential users of insurance products and services still show skepticism towards new technological solutions in insurance, while insurance and InsurTech companies and the regulatory body see InsurTech as a way to increase the availability of insurance products to all consumers with greater personalization and adaptability. Accordingly, it will take some time for InsurTech to be used more significantly in the domestic insurance industry, with its unquestionable potential to increase the level of insurance inclusion to the satisfaction of all parties involved.

• Keywords: financijska uključenost; inkluzivno osiguranje; InsurTech
• Keywords (english): financial inclusion; inclusive insurance; InsurTech
• Language: croatian
• URN:NBN: urn:nbn:hr:148:519279
• 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: 2022-06-28 15:11:53