چکیده مقاله
The insurance industry is undergoing a profound digital transformation driven by emerging technologies such as Artificial Intelligence AI , the Internet of Things IoT , and Blockchain This paper explores the synergistic integration of these three technologies and their collective impact on enhancing fraud detection, improving transparency, and enabling personalized insurance services AI powered machine learning algorithms are increasingly used to identify patterns of fraudulent claims, reduce human error, and optimize decision making processes Meanwhile, IoT devices—such as connected vehicles, wearable sensors, and smart home systems—generate real time behavioral data that allow insurers to design dynamic, usage based insurance models tailored to individual risk profiles Complementing these innovations, Blockchain technology introduces a decentralized and immutable ledger system that ensures transparency and trust across policy issuance, claims management, and data sharing among stakeholders The convergence of these technologies not only increases operational efficiency but also transforms the traditional insurer–customer relationship into a more data driven, trust based interaction This paper also examines challenges such as data privacy, interoperability, and regulatory compliance that accompany digital transformation in the insurance sector Ultimately, the research highlights how the integration of AI, IoT, and Blockchain is reshaping the future of insurance by reducing fraud, enhancing transparency, and delivering customer centric services, positioning insurers to compete effectively in an increasingly digital and data driven marketplace
کلیدواژهها
نویسندگان
Maryam Nateghi
PhD Candidate, Department of Public Policy and Management, Islamic Azad University, Sari Branch, Iran IDBA in Business, Insurance Focus
شیوه ارجاع
Nateghi, Maryam,1404,Digital Transformation In The Insurance Industry: The Synergy Of Artificial Intelligence, Internet Of Things, And Blockchain In Fraud Management, Transparency, And Service Personalization,5th international conference on engineering and information technology
ارائهشده در
مجموعه مقالات پنجمین کنفرانس بین المللی مهندسی و فناوری اطلاعات30 آبان 1404