2409-1634Research result. Economic Research2409-163410.18413/2409-1634-2024-10-2-0-93438FINANCE<strong>&nbsp;</strong><strong>IMPACT OF DIGITAL TECHNOLOGIES&nbsp;</strong><strong>ON THE DEVELOPMENT OF INSURANCE ACTIVITIES</strong><strong>&nbsp;</strong><strong>IMPACT OF DIGITAL TECHNOLOGIES&nbsp;</strong><strong>ON THE DEVELOPMENT OF INSURANCE ACTIVITIES</strong>OkhremenkoAnastasia G.OkhremenkoAnastasia G.okhremenko@bsu.edu.ruTokarElena V.TokarElena V.tokar_e@bsuedu.ruBelgorod State National Research University202410200

Innovative technologies have rapidly entered the life of people and society as a whole, particularly in the economic sphere. One of the economic sectors where the need to utilize digital technologies prevails is insurance. Innovative technologies contribute to the improvement of all processes in the insurance market. The positive development of insurance largely depends on the introduction and use of digital technologies.&nbsp; This article is devoted to analyzing and evaluating the impact of digital technologies on the development of insurance activities. This article examines the impact of digital technologies on insurance activities. The main objective is to describe the main technologies themselves and their application in risk assessment, loss prevention and improvement of insurance services processes. In order to achieve this task, we have reviewed sources on the topic, considered projects and studies in the field of application of digital technologies in insurance activities, and analyzed the data obtained. The work resulted in the presentation of digital science technologies used in the operations of insurance companies, such as artificial intelligence, internet of things, blockchain, and how these technologies can be applied in risk assessment, loss prevention and improvement of insurance service processes. The results can be used by insurance companies applying various digital technologies in their operations, namely online sales of insurance policies, data collection and analysis, artificial intelligence and machine learning to develop the insurance market.

Innovative technologies have rapidly entered the life of people and society as a whole, particularly in the economic sphere. One of the economic sectors where the need to utilize digital technologies prevails is insurance. Innovative technologies contribute to the improvement of all processes in the insurance market. The positive development of insurance largely depends on the introduction and use of digital technologies.&nbsp; This article is devoted to analyzing and evaluating the impact of digital technologies on the development of insurance activities. This article examines the impact of digital technologies on insurance activities. The main objective is to describe the main technologies themselves and their application in risk assessment, loss prevention and improvement of insurance services processes. In order to achieve this task, we have reviewed sources on the topic, considered projects and studies in the field of application of digital technologies in insurance activities, and analyzed the data obtained. The work resulted in the presentation of digital science technologies used in the operations of insurance companies, such as artificial intelligence, internet of things, blockchain, and how these technologies can be applied in risk assessment, loss prevention and improvement of insurance service processes. The results can be used by insurance companies applying various digital technologies in their operations, namely online sales of insurance policies, data collection and analysis, artificial intelligence and machine learning to develop the insurance market.

insurance company business processesinsurancedigital technologiesinsurance company business processesinsurancedigital technologiesСписок литературыBelozerov S.A., Chernova G.V., Kalaida S.A. (2018). Modern factors of development of the Russian insurance market. // Insurance business &ndash; № 6 (303). 2018. Pp. 31-35. (in Russian)Boldyrev B.M. (2017). Telemedicine in insurance // Insurance business. 2017. No. 6 (291). Pp. 35-45. (in Russian)Bryzgalov D.V. (2016). Insurance via the Internet: own and partner sales, indicators, development prospects // Corporate Economics. 2016. No. 2 (6). Pp. 39-46. (in Russian)Vaganova O.V., Bykanova N.I., Saprykina T.V., Pashkova E.N. Fundamentals of financial literacy: a textbook for independent and classroom work [Electronic resource]. Belgorod: Publishing House &quot;BSU&quot;2022. 164 с. ISBN 978-5-9571-3232-5 URL: https://elibrary.ru/item.asp?id=53922586 (in Russian)Vaganova O.V., Gordya D.V., Sidibe M., Golubotskikh V.N., Pryadko E.A. Technological innovations in the global banking sector of the economy // News of the South-West State University. Series: Economics. Sociology. Management. 2023. Vol. 13. No. 1. Pp. 23-34(in Russian)Vasilenko N.V., Linkov A.Ya. (2017). Digital economy: consumer vs employee / Digital economy and &quot;Industry 4.0&quot;: problems and prospects // Proceedings of the scientific and practical conference with international participation. A.I. Herzen Russian State Pedagogical University. 2017: 34-40. (in Russian)Gumerova G.R. (2017). Analysis of the current state and trends in the use of the Internet in Russia // International scientific journal &quot;Innovatsionnaya nauka&quot;. № 04-1/2017. С. 73-78. (https://cyberleninka.ru/article/n/analiz-sovremennogo-sostoyaniya-i-tendentsiy-ispolzovaniya-interneta-v-rossii). (in Russian)Dobrynin A.P., Chernykh K.Yu. Kupriyanovsky V.P. et al. (2016). Digital economy - various ways to the effective use of technologies (BIM, PLM, CAD, UT, Smart City, BIG DATA and others) // International Journal of Open Information Technologies scholar. 2016. No. 1, vol. 4, pp. 4-10Kozlova O.N., Kotova O.N., Pavlovskaya E.V. (2017). Using new sales channels to improve the efficiency of insurance companies // Bulletin of Volgograd State University. Episode 3: Economics. Ecology. 2017. Vol. 19. No. 2. pp. 108-116. (in Russian)Kotlobovsky I.B., Varshamova V.G. (2019). Digitalization of the insurance industry: new opportunities and assessment of consequences // In the collection: Insurance in the information society - place, tasks, prospects. Proceedings of the XX International Scientific and Practical Conference. In 2t. 2019. Pp.&nbsp;95-100. (in Russian)Pechatkin V.V. (2020). Formation and development of digital economy in Russia as a strategic priority of territorial development in the conditions of pandemics // Voprosy innovatsionnymi ekonomiki. 2020. Vol. 10. № 2. Pp. 837-848. (in Russian)Spletyukhov Yu.A. (2020). Directions of expanding the use of digital technologies in insurance. Korporativnaya ekonomika. No. 1 (21). 2020. Pp. 31-37.Khalin V.G., Chernova G.V. (2018). Digitalization and its impact on the Russian economy and society: benefits, challenges, threats and risks // Management Consulting. 2018. No 1.Pp. 46-63. (in Russian)Yakushin A.B. (2016). Insurance telematics and its role in the development of the voluntary insurance market of the Russian Federation // Insurance business. 2016. No. 5. pp. 25-29. (in Russian)