Научные исследования
и инновации в индустрии 4.0
I-
Республиканская научно
-
техническая конференция
(Ташкент,
13-15
марта
2022
года)
220
– work is underway to introduce an automated system for receiving
applications from legal entities online to receive compulsory insurance
services for OCCLI, OCECLI, OSGOP;
– Work is underway to introduce an automated system with the
capabilities of remote retraining, advanced training, and personnel testing.
It should be noted that insurance companies pay special attention to
studying foreign experience in the implementation of ICT in the insurance
business.
At the end of the article, we add that insurance through an online store
is the best choice for residents of Tashkent and other cities of Uzbekistan. In
particular, this format is convenient in the context of the COVID-19 pandemic,
as it allows you to get an insurance policy while staying at home or in your
own office.
DISTINCTIVE FEATURES AND IMPORTANCE OF DIGITAL
INSURANCE
Iminova N.A.,
Tashkent University of Information Technologies named after Muhammad
al-Khwarizmi, Department of Economics in ICT, Senior lecturer
Khamitov Kh.P.,
Master’s degree student
Digital insurance, is the signing of insurance contracts, their renewal,
the reporting of accidents, or the performance of any other insurance-related
activity that is carried out using some hardware or software solutions. Digital
insurance typically includes websites, apps, web programs, custom-designed
devices, and other means.
It should be noted, that the term digital insurance is not entirely new.
From the late 1990s to - early 2000s. digital insurance in parallel with the term
“insurance of electronic risks” (and partly with the term “insurance of
e-commerce”). Is, applied to insurance programs for electronic devices,
implying insurance of not only traditional but also specific property risks, such
as power grid failures, failure of air conditioning systems air, as well as a
certain part of informational risks1.
Digital insurance (insurance of electronic risks) more than 15 years ago
was understood as traditional insurance associated with the need for
protection against specific risks.
At the same time, the digital economy has brought new content to the
concept of digital insurance, expressed in its duality.
Научные исследования
и инновации в индустрии 4.0
I-
Республиканская научно
-
техническая конференция
(Ташкент,
13-15
марта
2022
года)
221
First, digital insurance is a part of insurance as a mechanism of
insurance protection, manifested in special economic relations due to the
presence of insurance interests of enterprises and citizens and their
satisfaction based on the formation of a specialized insurance fund.
Insurance coverage against the specific risks inherent in the digital economy
represents the first part of digital insurance. If earlier digital insurance
included insurance of electronic risks, e-commerce risks, then in the digital
economy, cyber risk insurance, insurance of the Internet of things (property of
individuals and legal entities managed via the Internet), the liability of artificial
intelligence to third parties and others have still hidden digital risks.
Secondly, the digital economy presupposes the use of digital
technologies by economic actors, including insurance companies, which
include:
•
big data systems;
•
neuro technology and artificial intelligence;
•
distributed ledger systems;
•
quantum technologies;
•
new production technologies;
•
industrial internet;
•
robotics and sensors components;
•
wireless technology;
•
technologies of virtual and augmented reality2.
At the same time, the influence of the processes of digitalization of
human activity on insurance relations and their change in connection with this
is noted. Digital insurance is also defined through meeting the needs of
enterprises and the population in insurance protection through the use of new
digital technologies, that is, the digitalization of the insurance market and
relations on it.
The digital economy does not change the economic essence of
insurance as an economic relationship associated with the presence of
insurance risk and with the formation of an insurance fund. The peculiarity of
insurance in the digital economy is determined by:
•
specific risks inherent in the digital economy and generating the need
for insurance coverage;
•
specific digital technologies that form the basis of the digital economy,
and their application in the insurance market.
We can agree with the point of view according to which digitalization of
the insurance market includes the processes of internetization,
individualization, and digitalization 1. Among the areas of internetization in
insurance are:
•
communicating to client’s information about insurers and the
insurance services they provide;
Научные исследования
и инновации в индустрии 4.0
I-
Республиканская научно
-
техническая конференция
(Ташкент,
13-15
марта
2022
года)
222
•
sales of insurance services;
•
collection of information about policyholders;
•
settlement of the consequences of insured events;
•
creating a channel for feedback between the insurer and the
policyholder.
Personalization in insurance includes the preparation of individual offers
of insurance services for specific policyholders, as well as the implementation
of a risk assessment concerning each policyholder.
Digitalization of insurance means the use of digital technologies in the
business processes of the insurer3. It includes:
•
interaction with the insurance supervisory authority;
•
assessment of the risks assumed by the insured (through the
introduction of new production technologies such as telematics);
•
sales of insurance services (blockchain, smart contracts, mobile
applications for smartphones, etc.);
•
claims settlement (based on blockchain technologies, mobile
applications, telemedicine, communication with adjacent markets to confirm
insurance claims);
•
implementation of document circulation (creation of electronic
document management, electronic digital platforms for agents, use of
blockchain to create a client profile and protect his information, cloud storage
technologies).
Currently, insurers use information technology primarily when
organizing the sale of their insurance services. Their use allows you to speed
up the processes of concluding insurance contracts and simplify
communications with insurance agents and sales.
ИССЛЕДОВАНИЕ ИНФОРМАЦИОННЫХ СИСТЕМ
УПРАВЛЕНИЯ ПЕРСОНАЛОМ
Медетова Кундуз Муратовна
Ташкентский Университет Информационных Технологий имени
Мухаммада ал
-
ХоразмийДокторант кафедры «Системного и
прикладного программирования»
Ташкент, Узбекистан
В настоящее время, технологии заметно изменили управление
персоналом.
Большинство организаций предоставляют универсальный доступ к
кадровым услугам, с помощью современных технологий и веб
-
приложений. Данные
изменения, часто
являются результатом
сокращения затрат, расширения и улучшения предоставляемых услуг.
