SUG‘URTA KOMPANIYALARIDA INSURTECH YECHIMLARINI JORIY ETISHNING MOLIYAVIY SAMARADORLIGI
DOI:
https://doi.org/10.5281/zenodo.21096910Keywords:
InsurTech, sug‘urta kompaniyalari, moliyaviy samaradorlik, raqamli polis, avtomatlashtirilgan anderrayting, onlayn da’volar, fraud monitoring, to‘lovlar koeffitsiyenti.Abstract
Mazkur maqolada sug‘urta kompaniyalarida InsurTech yechimlarini joriy etishning moliyaviy samaradorligi
O‘zbekiston sug‘urta bozori ko‘rsatkichlari asosida tahlil qilingan. Tadqiqotda raqamli polis sotuvlari, avtomatlashtirilgan
anderrayting, onlayn da’volarni ko‘rib chiqish, sun’iy intellekt asosida fraud monitoring va ma’lumotlar tahlilining operatsion
xarajatlar, risklarni boshqarish, to‘lovlar koeffitsiyenti hamda moliyaviy barqarorlikka ta’siri baholangan. Olingan
natijalar asosida sug‘urta kompaniyalarida InsurTech yechimlarini samarali joriy etish va moliyaviy samaradorlikni oshirish
bo‘yicha amaliy takliflar ishlab chiqilgan.
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