Insurance as a digital ecosystem: exploring new horizons of digitalization, smart business, and global competitiveness

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dc.contributor.authorBenetti, Karina
dc.contributor.authorBobojonov, Azizjon
dc.contributor.authorIzáková, Katarína
dc.contributor.authorEshov, Mansur
dc.date.accessioned2025-12-19T10:04:13Z
dc.date.available2025-12-19T10:04:13Z
dc.date.issued2025
dc.descriptionIn: Liberec economic forum 2025 : proceedings of the 17th international conference. 1. vyd. Liberec : Technická univerzita v Liberci, 2025. ISBN 978-80-7494-747-6. ISSN 3029-8474. - S. 11-23.
dc.description.abstractThe insurance industry is undergoing a profound transformation driven by the integration of artificial intelligence (AI), big data analytics, the Internet of Things (IoT), blockchain, and cybersecurity frameworks. These innovations are not incremental improvements but are reconfiguring the insurance value chain into a digital ecosystem—an interconnected environment characterized by real-time data flows, algorithmic decision-making, and platform-based business models. Within this ecosystem, risk management is shifting from retrospective compensation towards predictive and preventive strategies, with telematics, wearables, and smart sensors enabling usage-based insurance. This paper examines the systemic impact of digitalization by analyzing the synergies among emerging technologies and their ethical, regulatory, and operational implications. AI enhances underwriting, fraud detection, and claims automation but raises concerns about bias and transparency. Big data expands predictive modelling and personalization while intensifying privacy and governance challenges. The study argues that digital transformation requires moving beyond isolated technology adoption towards the design of resilient and inclusive insurance ecosystems. By framing digitalization as a structural and societal paradigm shift, this paper contributes a comprehensive perspective for academics, practitioners, and policymakers seeking to understand and guide the future of insurance.
dc.description.sponsorshipVEGA 1/0120/25 Výskum paradigiem a determinantov procesov riadenia a implementácie ESG v kontexte požadovanej finančnej výkonnosti podnikov a zmien vyplývajúcich z CSRD smernice
dc.identifier.doihttps://doi.org/10.15240/tul/009/lef-2025-01
dc.identifier.isbn978-80-7494-747-6
dc.identifier.issn3029-8474
dc.identifier.urihttps://repo.umb.sk/handle/123456789/1153
dc.language.isoen
dc.publisherTechnická Univerzita v Liberci
dc.rights© vydavateľ
dc.rightsinfo:eu-repo/semantics/openAccess
dc.subjectekosystémy
dc.subjectecosystems
dc.subjectpoisťovníctvo
dc.subjectinsurance
dc.subjectumelá inteligencia
dc.subjectartificial intelligence
dc.subjectanalýza dát
dc.subjectdata analysis blockchain
dc.titleInsurance as a digital ecosystem: exploring new horizons of digitalization, smart business, and global competitiveness
dc.typeArticle
dc.typeinfo:eu-repo/semantics/article

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