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ЎЗБЕКИСТОН СУҒУРТА БОЗОРИНИ РАҚАМЛАШТИРИШ: ТЕНДЕНЦИЯЛАР ВА ИННОВАЦИОН ТЕХНОЛОГИЯЛАР

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Мақоланинг мақсади – рақамлаштиришнинг назарий ва амалий тамойилларини ўрганиш ҳамда унинг Ўзбекистон суғурта бозоридаги асосий тенденцияларини аниқлашдан иборат. Айтиб ўтиш лозимки, рақамлаштириш нафақат ахборотни электрон ҳолатда замонавий телекоммуникация каналлари орқали тарқатиш, балки суғурта компаниялари мижозларига хизмат кўрсатишни яхшилаш мақсадида янги телекоммуникация ва инновацион технологияларни жорий этиш жараёнидир. Суғурта соҳасидаги амалий фаолиятни ҳисобга олган ҳолда, қуйидаги асосий инновацион технологиялар таҳлил қилинди: веб-сайтлар, ижтимоий тармоқлар, чат-ботлар, видеохостинг, видеотелефония, булутли технологиялар ва бошқалар. Ўзбекистон молия институтлари давлат реестрига киритилган суғурта компанияларининг 80 %ида веб-сайт борлиги аниқланди. Ушбу расмий веб-сайтларда жойлаштирилган маълумотларга асосланиб, мақолада инновацион технологияларнинг алоҳида элементларидан фойдаланиш таҳлил қилинди. Шу асосда суғурта бозорини рақамлаштиришнинг олтита асосий тенденцияси белгиланди: рақамлаштириш суғурта бозорини шакллантиришнинг янги йўналиши сифатида Ўзбекистонда энди бошланди, бироқ жадал суръатлар билан ривожланмоқда; суғурта компаниялари томонидан потенциал мижозлар ва амалдаги суғуртачиларга таклиф этилаётган янги хизматларнинг бутун мажмуасини ўз ичига олган рақамли суғурта тизимини кенгайтириш; мобил иловалар яратиш орқали мобил суғурта тизимини шакллантириш; телематикани жорий этиш; суғурта хизматлари учун автоматлаштирилган тизимлар ишлаб чиқиш ва булутли технологиялардан фойдаланиш.

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# рақамлаштириш# страхование# insurance# суғурта# цифровизация# digitalization# суғурта бозори# страховой рынок# insurance market# инновации в страховании# страховые услуги# телематика# суғурта соҳасидаги инновациялар# суғурта хизматлари# innovations in insurance# insurance services# telematics

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