چکیده مقاله
This article advances a comprehensive framework for algorithmic oversight, defined as a continuous, real time supervision paradigm that integrates financial indicators such as Solvency Capital Requirement SCR , Minimum Capital Requirement MCR , Combined Operating Ratio COR , liquidity, and Return on Equity ROE with technical indicators including claim latency, underwriting automation, and Explainable Artificial Intelligence XAI audit transparency, in order to strengthen prudential resilience Using a Preferred Reporting Items for Systematic Reviews and Meta Analyses PRISMA guided systematic review of 48 studies from 1973 to 2025 spanning Insurance Technology InsurTech , Regulatory Technology RegTech , Supervisory Technology SupTech , and XAI governance, we synthesize evidence that real time analytics enable earlier detection of solvency stress, reduce reporting latency, and improve accountability when paired with explainable models and standardized data pipelines We present an integrative conceptual model that situates continuous monitoring at the intersection of institutional governance, technology adoption, specifically the Technology, Organization, and Environment TOE framework and the Technology Acceptance Model TAM , XAI, and Environmental, Social, and Governance ESG oriented risk governance Practical implications include deployment of transparent Artificial Intelligence AI dashboards, adoption of harmonized indicator taxonomies, and development of cross border supervisory data hubs This framework shifts the focus of insurance supervision from looking backward at compliance to looking forward with proactive, data driven guidance It aims to balance the pursuit of innovation with the need for transparency, accountability, and financial resilience
کلیدواژهها
نویسندگان
Niloofar Fathollahi
Masoomeh Sadat Azimi
Masoomeh Sadat Azimi
Niloofar Fathollahi
شیوه ارجاع
Fathollahi, Niloofar and Azimi, Masoomeh Sadat,1404,Algorithmic Oversight and Financial Stability: A Practical Framework for Real-Time Monitoring in Insurance,The 32nd National Conference and the 13th International Conference on Insurance and Development: 'Reimagining Supervision in Insurance: An Innovative Path toward Effective Regulation',Tehran
ارائهشده در
مجموعه مقالات سی ودومین همایش ملی و سیزدهمین همایش بین المللی بیمه و توسعه با عنوان: «بازاندیشی نظارت در بیمه؛ مسیر نوآورانه برای تنظیم گری موثر»11 آذر 1404 · تهران