SUG‘URTA KOMPANIYALARIDA INSURTECH YECHIMLARINI JORIY ETISHNING MOLIYAVIY SAMARADORLIGI
DOI:
https://doi.org/10.5281/zenodo.21241375Keywords:
InsurTech, sug‘urta bozori, operatsion xarajatlar, xarajatlarni optimallashtirish, raqamli polis, avtomatlashtirilgan anderrayting, onlayn da’volar, fraud monitoring, unit-cost modeli.Abstract
Mazkur maqolada sug‘urta bozorida InsurTech yechimlari orqali operatsion xarajatlarni optimallashtirish yo‘nalishlari tahlil qilingan. Tadqiqotda raqamli polis savdolari, avtomatlashtirilgan anderrayting, onlayn da’volarni ko‘rib chiqish, elektron hujjat aylanishi, OCR texnologiyalari, sun’iy intellekt asosida fraud monitoring hamda ma’lumotlar tahlilining mehnat, ma’muriy, sotuv, xizmat ko‘rsatish va da’volarni qayta ishlash xarajatlariga ta’siri baholangan. Olingan natijalar asosida sug‘urta kompaniyalarida InsurTech yechimlarini joriy etish orqali operatsion xarajatlarni kamaytirish, jarayonlarni avtomatlashtirish va moliyaviy samaradorlikni oshirish bo‘yicha amaliy takliflar ishlab chiqilgan.
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