Χρήσεις της ψηφιακής τεχνολογίας στις ασφαλιστικές επιχειρήσεις - Η εκτίμηση ρίσκου και η κατάρτιση προφίλ πελατών, παρόν και μέλλον νομικό και ηθικό ζήτημα των ασφαλιστικών επιχειρήσεων

Κουρκούτα, Γεωργία

Master Thesis

Author

Κουρκούτα, Γεωργία

Date

2024-09

Abstract

This paper addresses the use of digital technologies in insurance companies, as well as risk assessment and customer profiling, under the lens of national and European Union law. For structural reasons, it is divided into three chapters. In the first chapter, an attempt is made to provide as clear as possible a view of the digital transformation in insurance companies. It introduces the concept of digital transformation, the operation of insurance companies, and the influence of digitalization in the sector thus far. Furthermore, it provides a concise theoretical reference to the legal issues and ethical challenges concerning the insurance data economy. Next follows the second chapter, divided into subsections, which consists of the most discussed innovations in digital technology (Blockchain, Internet of Things, and Big Data, respectively). In each subsection, an attempt is made to present the respective technology, as well as its use (current or anticipated) in the insurance industry. The third chapter deals with Artificial Intelligence, which, due to its direct connection with the aforementioned risk assessment and customer profiling, is addressed separately from the other digital technologies. The chapter primarily analyzes introductory and basic information about Artificial Intelligence, with a special reference to profiling through algorithms and its use in the financial sector, while providing examples from case law. Additionally, there is an attempt to outline the boundaries that should be adhered to in this context based on national and European laws. Following this analysis, there is an interposed subsection that presents thoughts on whether Artificial Intelligence and algorithms can align with ethics and justice, as well as the balance needed between consumer protection and the protection of business interests, with the business perspective focusing on transformation and competition towards a green economy—a change closely tied to digital transformation. The conclusion and the bibliographical references follow.

Postgraduate Studies Programme

Δίκαιο και Τεχνολογίες Πληροφορικής και Επικοινωνιών (MSc in Law and Information and Communication Technologies)

Department

Σχολή Τεχνολογιών Πληροφορικής και Επικοινωνιών. Τμήμα Ψηφιακών Συστημάτων

Number of pages

Language

Greek

URI

https://dione.lib.unipi.gr/xmlui/handle/unipi/16830
http://dx.doi.org/10.26267/unipi_dione/4252

Collections

Τμήμα Ψηφιακών Συστημάτων

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Except where otherwise noted, this item's license is described as
Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα