The essence and place of innovation as a factor of insurance business effectiveness growth are discussed. Peculiar attributes of innovations development resulting from insurance industry being a part of financial system is revealed. Unique features of innovations’ development in insurance business across different countries are discovered and analyzed. Fundamental trends of insurance products development are characterized: social networking, cloud computing, internet, business processes automation, market share growth of direct sales. Implementation of modern information technologies in insurance business is substantiated. Automation, internet-insurance and on-line insurance are justified to be essential for management of insurance business.
Key words: innovation, cloud computing, internet insurance, business process, informational system.
DOI: http://dx.doi.org/10.17721/1728-2667.2015/168-3/11
References
1. Akkozov B. “Strahovshhiki RK gotovy k online-strahovaniju, a zakonodatel’stvo – net”: [Online] http://www.kursiv.kz/
news/details/finansy/strakhovshchiki_rk_gotovy_k_online_strakhovaniyu_a_zakonodatelstvo_net/.
2. Bazilevich V.D. (2006) “Іstorіja ekonomіchnih uchen'”. Znannja, S. 312-324.
3. “Oslo Manual: Guidelines for Collecting and Interpreting Innovation Data”, Kerіvnictvo Oslo. Rekomendacії zі zboru
ta analіzu danih stosovno іnnovacіj. UNESCO: [Online] http://www.uis.unesco.org/Library/Documents/
OECDOsloManual05_rus.pdf.
4. Pavlova O. “Strahovoj biznes beret kurs na innovacii”: [Online] http://www.pcweek.ru/idea/
article/detail.php?ID=123103.
5. Pіkus R.V. 2009, “Іnnovacії v strahuvannі: svіtovij dosvіd, naprjamki rozvitku v Ukraїnі”. Teoretichnі ta prikladnі
pitannja ekonomіki. №18. S. 135-140.
6. Pogorleckogo A.I, S.F. Sutyrina. 2014 “Mezhdunarodnyj biznes. Teorija i praktika”. Jurajt, – S. 261-275.
7. “Rіchnij zvіt SK “Al’fa strahuvannja” za 2013 rіk” [Online]: https://alfaic.ua/page/otchety-i-dokumentatsiya.
8. Solomatina A.S. 2014 “Povyshenie konkurentosposobnosti strahovoj kompanii na osnove primenenija
sbalansirovannoj sistemy pokazatelej” dis. k-ta jekon. nauk: 08.00.10. Federal’noe gosudarstvennoe obrazovatel’noe
bjudzhetnoe uchrezhdenie vysshego professional’nogo obrazovanija “Finansovyj universitet pri Pravitel’stve Rossijskoj
Federacii”. Moskva, S. 3-180.
9. Christensen C. Christensen. “We are living the capitalist’s dilemma”. CNN Edition: International, 2013 [Online]
http://edition.cnn.com/2013/01/21/business/opinion-clayton-christensen/index.html.
10. “Friendsurance” http://www.friendsurance.com/.
11. Insurance @ Digital – 20X by 2020 // The Boston Consulting Group. 2014. P. 3-38.
12. Insurance Customers Would Consider Buying Insurance from Internet Giants, According to Accenture’s Global
Research [Online]: http://newsroom.accenture.com/news/insurance-customers-would-consider-buying-insurance-frominternet-giants-according-to-accentures-global-research.htm.
13. “Insurethebox” http://www.insurethebox.com/.
14. Katkov N. 2011 “IT Spending Trends in the Japanese Insurance Industry”. Katkov, KyongSun Kong,
http://www.celent.com/reports/it-spending-trends-japanese-insurance-industry-2011.
15. Kong KyongSun. “Online Insurance in Japan: Seeking Avenues for Greater Growth” [Online]:
http://www.celent.com/reports/online-insurance-japan-seeking-avenues-greater-growth.
16. Martin J. “The Innovation Imperative” http://www.wzresearch.com/pdf/innovation.pdf.
17. Mini-roundtable: Innovation in the insurance industry // Risk&Compliance. June. 2014. P. 3-16.
18. The Accenture 2013 Consumer-Driven Innovation Survey: Explore the data http://www.accenture.com/
microsites/consumerdriveninnovation/Pages/index.aspx.
19. The digital insurer. A new era in insurance: Cloud computing changes the game // Accenture. 2012. P. 4-19.
