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master's thesis
InsurTech u funkciji razvoja inkluzivnog osiguranja u Republici Hrvatskoj
Zagreb: University of Zagreb, Faculty of Economics and Business, 2022. urn:nbn:hr:148:519279
Zdrilić, Mihaela
University of Zagreb
Faculty of Economics and Business
Department of Finance

Institutional repository: REPEFZG

Cite this document

Zdrilić, M. (2022). InsurTech u funkciji razvoja inkluzivnog osiguranja u Republici Hrvatskoj (Master's thesis). Zagreb: University of Zagreb, Faculty of Economics and Business. Retrieved from https://urn.nsk.hr/urn:nbn:hr:148:519279

Zdrilić, Mihaela. "InsurTech u funkciji razvoja inkluzivnog osiguranja u Republici Hrvatskoj." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2022. https://urn.nsk.hr/urn:nbn:hr:148:519279

Zdrilić, Mihaela. "InsurTech u funkciji razvoja inkluzivnog osiguranja u Republici Hrvatskoj." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2022. https://urn.nsk.hr/urn:nbn:hr:148:519279

Zdrilić, M. (2022). 'InsurTech u funkciji razvoja inkluzivnog osiguranja u Republici Hrvatskoj', Master's thesis, University of Zagreb, Faculty of Economics and Business, accessed 24 November 2024, https://urn.nsk.hr/urn:nbn:hr:148:519279

Zdrilić M. InsurTech u funkciji razvoja inkluzivnog osiguranja u Republici Hrvatskoj [Master's thesis]. Zagreb: University of Zagreb, Faculty of Economics and Business; 2022 [cited 2024 November 24] Available at: https://urn.nsk.hr/urn:nbn:hr:148:519279

M. Zdrilić, "InsurTech u funkciji razvoja inkluzivnog osiguranja u Republici Hrvatskoj", Master's thesis, University of Zagreb, Faculty of Economics and Business, Zagreb, 2022. Available at: https://urn.nsk.hr/urn:nbn:hr:148:519279

Metadata
TitleInsurTech u funkciji razvoja inkluzivnog osiguranja u Republici Hrvatskoj
Title (english)InsurTech as a driver of inclusive insurance development in Croatia
AuthorMihaela Zdrilić
MentorJakša Krišto (mentor)
Committee memberJakša Krišto (predsjednik povjerenstva)
Committee memberBranka Tuškan Sjauš (član povjerenstva)
Committee memberAna Ivanišević Hernaus (član povjerenstva)
GranterUniversity of Zagreb
Faculty of Economics and Business
(Department of Finance)
Zagreb
Defense date and country2022-06-27, 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
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:148:519279
Study programmeTitle: Business Economics
Study programme type: university
Study level: integrated undergraduate and graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2022-06-28 15:11:53