INNOVATSION SUG‘URTA XIZMATLARINI JORIY ETISH ORQALI IXTIYORIY SUG’URTA XIZMATLARINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.5281/zenodo.17952169Keywords:
innovatsion sug‘urta, InsurTech, sun’iy intellekt, ixtiyoriy sug‘urta, telematika, risk skoring.Abstract
Ushbu maqolada innovatsion sug‘urta xizmatlarini joriy etish orqali ixtiyoriy sug‘urta xizmatlarini
takomillashtirish masalalari tahlil qilingan. Tadqiqotda raqamli transformatsiya, sun’iy intellekt, telematika, IoT,
anderrayting tizimlari, mobil ilovalar, antifrod va blokcheyn texnologiyalarining sug‘urta jarayonlariga ta’siri ilmiy asosda
yoritilgan. Sug‘urta mahsulotlari klassifikatsiyasining mavjud yondashuvlari qayta ko‘rib chiqilib, iste’molchi talabi hamda
innovatsion texnologiyalar asosida yangi guruhlash mezonlari taklif etilgan. InsurTech evolyutsiyasi 1.0 → 2.0 → 3.0
bosqichlari asosida raqamli sug‘urta bozorining transformatsiyasi, risk skoringning yangi metodologiyasi, kiberxavf
va parametrik sug‘urtaning o‘sib borishi amaliy misollar bilan ko‘rsatib berilgan. Tahlillar sug‘urta kompaniyalarining
operatsion samaradorligi, mijozlarga yo‘naltirilgan xizmatlar sifati va bozor raqobatbardoshligini oshirishda sun’iy intellekt
texnologiyalarining muhim rolini tasdiqlaydi
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