نوع مقاله : مقاله پژوهشی
نویسندگان
1 گروه حسابداری و مالی،واحد قم،دانشگاه آزاد اسلامی،قم،ایران
2 گروه حسابداریواحد قم،دانشگاه آزاد اسلامی ،قم ،ایران
3 استاد،گروه مدیریت،دانشگاه قم،قم،ایران
4 گروه حسابداری،واحد قم،دانشگاه آزاد اسلامی ،قم، ایران
چکیده
کلیدواژهها
موضوعات
عنوان مقاله [English]
نویسندگان [English]
Objective: In recent years, advanced technologies have undergone many transformations in the financial industry, especially insurance. However, the relationship between insurance companies and InsurTechs has its own risks. Insurtechs are new technologies that are used to improve the performance of the insurance industry and enhance the customer experience. Using tools such as artificial intelligence, big data, blockchain and the Internet of Things, these technologies enable more accurate risk analysis, smart pricing and the provision of services tailored to each customer’s needs. The key role of insurtechs in digitizing the insurance industry, increasing the speed and transparency of services, reducing costs and attracting new audiences is very significant. These technologies can also increase customer trust and improve the competitive position of insurance companies by simplifying processes and eliminating intermediaries. The current research seeks to identify and prioritize the risks of cooperation between insurance companies and InsurTechs.
Method: The current research is applied in terms of orientation and in terms of methodology it has a mixed nature due to the use of quantitative and qualitative methods. The theoretical population of the research are experts in the insurance industry and insurance technologies. Sampling was done by judgment and its volume was equal to 10 people. In this research, the interview tool was used to extract research risks. Next, two questionnaires of expert assessment and prioritization were used to screen and prioritize risks. The reliability of extracted codes was measured by the agreement coefficient of two coders and its value was equal to 0.87, which is a favorable value.
Findings: The present research was conducted in three stages. In the first step, the main and secondary risks of the research were extracted through interviews with experts and the method of theme analysis. 28 risks were classified into seven main risks. The main risks were: legal risks, infrastructural risks, structural risks, security risks, user trust risks, economic risks and risks related to limited technology expansion. Sub-risks were evaluated in the next step with the fuzzy Delphi method. To obtain expert opinions on the importance of risks, expert opinions were obtained on a five-point scale. 11 risks were selected for the final prioritization due to having a favorable defuzzified number. In the next stage, the selected risks were evaluated with the CoCoSo method. To obtain experts' opinions on the ultimate risks, priority assessment questionnaires were distributed among the experts. The range used to obtain experts' opinions was a range of 10. The priority risks were: the weak performance of RagTechs, the dominance of traditional business models in the financial industry, the lack of trust of large sections of users and customers in new technologies, and the weakness of systems and databases of insurance companies.
Results: Practical research proposals were developed based on the most important risks. The research proposals had the nature of responding to risk. RegTechs, by utilizing regulating and data analysis technologies, help to reduce the risks arising from cooperation with FinTechs and provide the ability to predict their behavior. In Iran, FinTechs are not very diverse and are often active in the field of payments. Effective participation of large financial institutions such as banks and insurance companies, along with the creation of supportive regulations, can lead to the expansion of diverse fintechs. Despite the potential of new technologies in the field of insurance, the traditional structure, scattered information, and unintelligent decision-making prevent the full exploitation of these tools. Also, users' distrust of new technologies due to security concerns and low levels of financial literacy are other challenges that must be addressed by improving security and educating users. For InsurTechs to succeed, it is essential to focus on security, embracing technology, and strengthening integrated databases in insurance companies. The most important limitations of the research were: the inability to generalize some risks to other industries and sectors, such as banking, and the judgmental nature of the expert opinion tools in this research. In relation to research suggestions, we can also mention things such as futures study on the insurance industry with a focus on insurtechs and identifying and discovering cooperation patterns between insurance companies and insurtechs.
کلیدواژهها [English]
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