Uman NUH | today: 10/15/2024
| Author(s) |
Ролінський О. В., , , Гузар Б. С., , , Ulyanych Y.V., Candidate of Economics, , Uman National University of Horticulture, Ukraine Пономаренко О. В., , , |
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| Category | Economics | ||
| year | 2021 | issue | Issue number 98. Part 2 |
| pages | 186-194 | index UDK | 368.021 | DOI | 10.31395/2415-8240-2021-98-2-186-194 (Link) |
| Abstract | In the context of virtualization of economic relations, the entities of the insurance market cannot avoid these processes, so in order to improve the quality and availability of insurance services it is necessary to extend information technology in insurance business. The main motivation for the introduction of information technology by insurance companies is the need to reduce costs, expand the area of activities, ensure the diversification of risks. It is equally important the simplicity and comfort of buying an insurance product online. The insurance market of Ukraine is at the phase of development and formation, having a number of challenges and uncertainties. Therefore, its further information and technological development must obtain priority in the economic and social aspects of state policy, taking into account its European integration guidelines. The article considers the importance of modern information technologies in the operation of insurance companies in Ukraine. The range of modern software products and information technologies, which are widespread in use in the insurance market of Ukraine, is studied. The key components of information technologies of insurance companies are considered. The concept of Insuretech funding is substantiated and researched. The problems of information technology development on the Ukrainian insurance market are analyzed and the ways of its improvement are offered. For the further development of Internet insurance the improving of legislative framework on this point is essential; it is necessary that the websites of insurance companies contain sufficient amount of information content and a number of opportunities are provided for clients: obtaining truthful information about the activities of the insurance company and its services; calculation of the cost of the insurance policy using an online calculator; filling out an application for insurance; in the case of the event covered by the insurance, remote payment of the insurance policy and insurance payments; delivering to the policyholder of the insurance policy, which would be confirmed by an digital signature; online communication with the client at all stages of sales and administration of insurance policies. | ||
| Key words | insurance, information technology, insurance market, insurance company, computer systems, software | ||