Svet se nalazi na pragu Industrijske revolucije 4.0 koja, po svojim mogućnostima i efektima na čovečanstvo, prevazilazi dejstvo sve tri prethodne zajedno. Prelazak sa starih na nove biznis modele praćen je konfliktima između starih kadrova i metoda njihovog rada i novih kadrova i savremenih instrumenata i metoda koje zahteva savremeno poslovanje zasnovano na tehnološkom razvoju. Industrijska revolucija 4.0 neminovno donosi promene koje utiču na sve sfere privrednog života, a sektor osiguranja će biti među prvima koji se moraju prilagoditi. Predmet ovog rada je analiza uticaja Industrijske revolucije 4.0 na osiguranje, prvenstveno kroz sagledavanje efekata koje digitalne tehnologije imaju na postojeće poslovne modele osiguravača. Cilј rada je davanje odgovora na istraživačko pitanje na koji će način osiguranje da se prilagodi dejstvu Industrijske revolucije 4.0. Imajući u vidu da se radi o velikom izazovu, klјučni faktor je brzina kojom će osiguravači moći da iskoriste prednosti tehnoloških inovacija, a da pri tome izbegnu njihove negativne implikacije. Posebna pažnja će biti posvećena promenama u domenu kanala prodaje i poslovnih procesa u osiguranju, koje su posledica digitalizacije.

Pročitaj online

Preuzmi PDF fajl

Balasubramanian, R., Libarikian, A., & McElhaney, D. (2018). Insurance 2030 – The Impact of AI on the Future of Insurance. McKinsey&Company.

Catlin, T., Lorenz, J-T., Münstermann, B., Olesen, B., & Ricciardi, V. (2017). Insurtech - the threat that inspires, McKinsey&Company Article, March 2017, Preuzeto 18. juna sa sajta https://www.mckinsey.com/industries/financial-services/our-insights/insurtech-the-threat-that-inspires

Cusano, J. (2015). Digital Insurance: Reimaging Insurance Distribution. Accenture Distribution & Agency Management Survey 2015, Accenture, Dublin.

Eling, M., & Lehman, M. (2018). The Impact of Digitalization on the Insurance Value Chain and the Insurability of Risks. Geneva Papers on Risk and Insurance - Issues and Practice, 43(3).

European Commission (2016). European Economic Forecast, Winter 2016. Institutional Paper , No. 020, European Commission, Brussels.

Frey et al. (2016). Technology at Work v2.0: The Future Is Not What It Used to Be. Citi GPS: Global Perspectives & Solutions, January 2016, New York: Citi & Oxford Martin School, University of Oxford.

Frey, C. B., & Osborne, M. A. (2017). The future of employment: How susceptible are jobs to computerisation? Technological Forecasting and Social Change, 14(C), 254-280.

Gandel, S. (2015). Lloyd's CEO: Cyber attacks cost companies $400 billion every year. Fortune, 23 January, 2015. Preuzeto 5. marta sa sajta http://fortune. com/2015/01/23/cyber-attack-insurance-lloyds

IAIS (2018). Issues Paper on Increasing Digitalisation in Insurance and its Potential Impact on Consumer Outcomes. International Association of Insurance Supervisors, Basel.

Kočović, J., Koprivica, M., & Paunović, B. (2018). New challenges for insurance companies - Solvency II and IFRS 17. In: Insurance in the post-crisis era, Kočović, J., Jovanović Gavrilović, B., Boričić, B., Radović Marković, M. (eds.), Faculty of Economics, University of Belgrade, 3-27.

Kočović, J., Koprivica, M., & Jović, Ž. (2019). The Fourth Industrial Revolution – a Threat or an Opportunity for Insurance? Contemporary Trends in Insurance at the Beginning of the Fourth Industrial Revolution. Kočović, J., Tomašević, M., Jovanović Gavrilović, B., Boričić, B., Petrović, E., Koprivica, M. (eds.), Faculty of Economics, University of Belgrade, 3-19.

KPMG (2018). Cyber Insurance – How Insuretechs Can Unlock The Opportunity. KPMG Services Proprietary Limited, Johannesburg. Preuzeto 18. juna sa sajta https://assets.kpmg/content/dam/kpmg/za/pdf/2017/12/17383MC-cyber-insurance.pdf

Maas, P., & Bühler, P. (2015). Industrialisierung der Assekuranz in einer digitalen Welt. St. Gallen: I.VW-HSG and Adcubum, p. 40. Preuzeto 26. marta sa sajta https://www.ivw.unisg.ch/~/media/internet/content/dateien/instituteund centers/ivw/studien/industrialisierung-digital2015.pdf).

Mueller et al. (2015). Global digital insurance benchmarking report 2015: Pathways to success in a digital world. Bain & Company, Boston, MA

Naujoks, H., Mueller, F., & Kotalakidis, N. (2017). Digitalization in Insurance: The Multibillion Dollar Opportunity. Boston, MA: Bain & Company. Preuzeto 30. marta sa sajta https://www.bain.com/insights/digitalization-in-insurance

Paunović, B., Tešić, N., & Kočović, J. (2019). Impact of Industrial Revolution 4.0 on Insurance and its Contribution to Sustainable Development. Contemporary Trends in Insurance at the Beginning of the Fourth Industrial Revolution. Kočović, J., Tomašević, M., Jovanović Gavrilović, B., Boričić, B., Petrović, E., Koprivica, M. (eds.), Faculty of Economics, University of Belgrade, 55-75.

Philbeck, T., & Davis, N. (2019). The Fourth Industrial Revolution: Shaping A New Era. Journal of International Affairs, 72(1).

Schwab, K. (2016a). The Fourth Industrial Revolution. World Economic Forum, Geneva.

Schwab, K. (2016b). The Fourth Industrial Revolution: what it means, how to respond. World Economic Forum, Geneva. Preuzeto 15. marta sa sajta https://www.weforum.org/agenda/2016/01/the-fourth-industrial-revolution-what-it-means-and-how-to-respond

Slaughter, M. M., & Onu, T. V. (2018). Internationalizing InsurTech - A Global Phenomenon in Different Markets. In: The InsurTech Book: The Insurance Technology Handbook for Investors, Entrepreneurs and FinTech Visionaries, VanderLinden, S., Millie, S., Anderson, N., Chisthi, S. (eds.), Wiley.

Yan, T. C., Schulte, P., & Chuen, D. L. K. (2017). InsurTech and FinTech: Banking and Insurance Enablement. In: Handbook of Blockchain, Digital Finance, and Inclusion, Vol. 1, Chuen, D. L. K., Deng, R. H. (eds.), Academic Press, Cambridge, MA.