id sid tid token lemma pos issue-2782 1 1 baltic baltic PROPN issue-2782 1 2 journal journal PROPN issue-2782 1 3 of of ADP issue-2782 1 4 economic economic ADJ issue-2782 1 5 studies study NOUN issue-2782 1 6 329 329 NUM issue-2782 1 7 vol vol NOUN issue-2782 1 8 . . PUNCT issue-2782 1 9 11 11 NUM issue-2782 2 1 no no NOUN issue-2782 2 2 . . NOUN issue-2782 2 3 1 1 NUM issue-2782 2 4 , , PUNCT issue-2782 2 5 2025 2025 NUM issue-2782 2 6 this this PRON issue-2782 2 7 is be AUX issue-2782 2 8 an an DET issue-2782 2 9 open open ADJ issue-2782 2 10 access access NOUN issue-2782 2 11 article article NOUN issue-2782 2 12 , , PUNCT issue-2782 2 13 distributed distribute VERB issue-2782 2 14 under under ADP issue-2782 2 15 the the DET issue-2782 2 16 terms term NOUN issue-2782 2 17 of of ADP issue-2782 2 18 the the DET issue-2782 2 19 creative creative ADJ issue-2782 2 20 commons common NOUN issue-2782 2 21 attribution attribution NOUN issue-2782 2 22 cc cc VERB issue-2782 2 23 by by ADP issue-2782 2 24 4.0 4.0 NUM issue-2782 2 25 1 1 NUM issue-2782 2 26 chernihiv chernihiv NOUN issue-2782 2 27 polytechnic polytechnic ADJ issue-2782 2 28 national national ADJ issue-2782 2 29 university university PROPN issue-2782 2 30 , , PUNCT issue-2782 2 31 ukraine ukraine NOUN issue-2782 2 32 e e NOUN issue-2782 2 33 - - NOUN issue-2782 2 34 mail mail NOUN issue-2782 2 35 : : PUNCT issue-2782 2 36 maksim-32@ukr.net maksim-32@ukr.net X issue-2782 2 37 orcid orcid NOUN issue-2782 2 38 : : PUNCT issue-2782 2 39 https://orcid.org/0000-0002-5305-7815 https://orcid.org/0000-0002-5305-7815 NOUN issue-2782 2 40 web web NOUN issue-2782 2 41 of of ADP issue-2782 2 42 science science NOUN issue-2782 2 43 researcherid researcherid VERB issue-2782 2 44 : : PUNCT issue-2782 2 45 f-3291 f-3291 PROPN issue-2782 2 46 - - SYM issue-2782 2 47 2014 2014 NUM issue-2782 2 48 2 2 NUM issue-2782 2 49 chernihiv chernihiv NOUN issue-2782 2 50 polytechnic polytechnic ADJ issue-2782 2 51 national national ADJ issue-2782 2 52 university university PROPN issue-2782 2 53 , , PUNCT issue-2782 2 54 ukraine ukraine NOUN issue-2782 2 55 ( ( PUNCT issue-2782 2 56 corresponding correspond VERB issue-2782 2 57 author author NOUN issue-2782 2 58 ) ) PUNCT issue-2782 2 59 e e NOUN issue-2782 2 60 - - NOUN issue-2782 2 61 mail mail NOUN issue-2782 2 62 : : PUNCT issue-2782 2 63 popelo.olha@gmail.com popelo.olha@gmail.com X issue-2782 2 64 orcid orcid NOUN issue-2782 2 65 : : PUNCT issue-2782 2 66 https://orcid.org/0000-0002-4581-5129 https://orcid.org/0000-0002-4581-5129 PROPN issue-2782 2 67 web web NOUN issue-2782 2 68 of of ADP issue-2782 2 69 science science NOUN issue-2782 2 70 researcherid researcherid VERB issue-2782 2 71 : : PUNCT issue-2782 2 72 i-8572 i-8572 NUM issue-2782 2 73 - - PUNCT issue-2782 2 74 2016 2016 NUM issue-2782 2 75 3 3 NUM issue-2782 2 76 chernihiv chernihiv PROPN issue-2782 2 77 polytechnic polytechnic ADJ issue-2782 2 78 national national ADJ issue-2782 2 79 university university PROPN issue-2782 2 80 , , PUNCT issue-2782 2 81 ukraine ukraine NOUN issue-2782 2 82 e e NOUN issue-2782 2 83 - - NOUN issue-2782 2 84 mail mail NOUN issue-2782 2 85 : : PUNCT issue-2782 2 86 msvec1998@gmail.com msvec1998@gmail.com X issue-2782 3 1 orcid orcid NOUN issue-2782 3 2 : : PUNCT issue-2782 3 3 https://orcid.org/0009-0006-3793-8408 https://orcid.org/0009-0006-3793-8408 INTJ issue-2782 3 4 doi doi NOUN issue-2782 3 5 : : PUNCT issue-2782 3 6 https://doi.org/10.30525/2256-0742/2025-11-1-329-341 https://doi.org/10.30525/2256-0742/2025-11-1-329-341 NOUN issue-2782 3 7 the the DET issue-2782 3 8 role role NOUN issue-2782 3 9 of of ADP issue-2782 3 10 artificial artificial ADJ issue-2782 3 11 intelligence intelligence NOUN issue-2782 3 12 in in ADP issue-2782 3 13 the the DET issue-2782 3 14 development development NOUN issue-2782 3 15 of of ADP issue-2782 3 16 the the DET issue-2782 3 17 insurance insurance NOUN issue-2782 3 18 market market NOUN issue-2782 3 19 maksym maksym PROPN issue-2782 3 20 dubyna1 dubyna1 PROPN issue-2782 3 21 , , PUNCT issue-2782 3 22 olha olha NOUN issue-2782 3 23 popelo2 popelo2 PROPN issue-2782 3 24 , , PUNCT issue-2782 3 25 maksym maksym PROPN issue-2782 3 26 shvets3 shvets3 NOUN issue-2782 3 27 abstract abstract NOUN issue-2782 3 28 . . PUNCT issue-2782 4 1 digital digital ADJ issue-2782 4 2 transformation transformation NOUN issue-2782 4 3 of of ADP issue-2782 4 4 the the DET issue-2782 4 5 insurance insurance NOUN issue-2782 4 6 market market NOUN issue-2782 4 7 is be AUX issue-2782 4 8 an an DET issue-2782 4 9 integral integral ADJ issue-2782 4 10 part part NOUN issue-2782 4 11 of of ADP issue-2782 4 12 the the DET issue-2782 4 13 formation formation NOUN issue-2782 4 14 of of ADP issue-2782 4 15 the the DET issue-2782 4 16 digital digital ADJ issue-2782 4 17 economy economy NOUN issue-2782 4 18 and and CCONJ issue-2782 4 19 the the DET issue-2782 4 20 digitalization digitalization NOUN issue-2782 4 21 of of ADP issue-2782 4 22 the the DET issue-2782 4 23 entire entire ADJ issue-2782 4 24 financial financial ADJ issue-2782 4 25 services service NOUN issue-2782 4 26 sector sector NOUN issue-2782 4 27 . . PUNCT issue-2782 5 1 the the DET issue-2782 5 2 utilisation utilisation NOUN issue-2782 5 3 of of ADP issue-2782 5 4 information information NOUN issue-2782 5 5 and and CCONJ issue-2782 5 6 communication communication NOUN issue-2782 5 7 technologies technology NOUN issue-2782 5 8 has have AUX issue-2782 5 9 become become VERB issue-2782 5 10 a a DET issue-2782 5 11 pivotal pivotal ADJ issue-2782 5 12 aspect aspect NOUN issue-2782 5 13 of of ADP issue-2782 5 14 the the DET issue-2782 5 15 innovative innovative ADJ issue-2782 5 16 development development NOUN issue-2782 5 17 of of ADP issue-2782 5 18 insurance insurance NOUN issue-2782 5 19 companies company NOUN issue-2782 5 20 in in ADP issue-2782 5 21 the the DET issue-2782 5 22 contemporary contemporary ADJ issue-2782 5 23 era era NOUN issue-2782 5 24 , , PUNCT issue-2782 5 25 enabling enable VERB issue-2782 5 26 them they PRON issue-2782 5 27 to to PART issue-2782 5 28 enhance enhance VERB issue-2782 5 29 their their PRON issue-2782 5 30 operational operational ADJ issue-2782 5 31 efficiency efficiency NOUN issue-2782 5 32 and and CCONJ issue-2782 5 33 ensure ensure VERB issue-2782 5 34 their their PRON issue-2782 5 35 competitive competitive ADJ issue-2782 5 36 standing standing NOUN issue-2782 5 37 . . PUNCT issue-2782 6 1 a a DET issue-2782 6 2 particularly particularly ADV issue-2782 6 3 promising promising ADJ issue-2782 6 4 digital digital ADJ issue-2782 6 5 technology technology NOUN issue-2782 6 6 that that PRON issue-2782 6 7 insurers insurer NOUN issue-2782 6 8 are be AUX issue-2782 6 9 currently currently ADV issue-2782 6 10 developing develop VERB issue-2782 6 11 is be AUX issue-2782 6 12 artificial artificial ADJ issue-2782 6 13 intelligence intelligence NOUN issue-2782 6 14 . . PUNCT issue-2782 7 1 according accord VERB issue-2782 7 2 to to ADP issue-2782 7 3 experts expert NOUN issue-2782 7 4 in in ADP issue-2782 7 5 the the DET issue-2782 7 6 field field NOUN issue-2782 7 7 , , PUNCT issue-2782 7 8 this this DET issue-2782 7 9 technology technology NOUN issue-2782 7 10 is be AUX issue-2782 7 11 poised poise VERB issue-2782 7 12 to to PART issue-2782 7 13 become become VERB issue-2782 7 14 a a DET issue-2782 7 15 leading lead VERB issue-2782 7 16 solution solution NOUN issue-2782 7 17 for for ADP issue-2782 7 18 these these DET issue-2782 7 19 institutions institution NOUN issue-2782 7 20 in in ADP issue-2782 7 21 the the DET issue-2782 7 22 near near ADJ issue-2782 7 23 future future NOUN issue-2782 7 24 . . PUNCT issue-2782 8 1 this this DET issue-2782 8 2 assertion assertion NOUN issue-2782 8 3 is be AUX issue-2782 8 4 substantiated substantiate VERB issue-2782 8 5 by by ADP issue-2782 8 6 the the DET issue-2782 8 7 observed observe VERB issue-2782 8 8 growth growth NOUN issue-2782 8 9 in in ADP issue-2782 8 10 investment investment NOUN issue-2782 8 11 resources resource NOUN issue-2782 8 12 allocated allocate VERB issue-2782 8 13 to to ADP issue-2782 8 14 the the DET issue-2782 8 15 advancement advancement NOUN issue-2782 8 16 of of ADP issue-2782 8 17 this this DET issue-2782 8 18 technology technology NOUN issue-2782 8 19 . . PUNCT issue-2782 9 1 this this PRON issue-2782 9 2 underscores underscore VERB issue-2782 9 3 the the DET issue-2782 9 4 necessity necessity NOUN issue-2782 9 5 for for ADP issue-2782 9 6 conducting conduct VERB issue-2782 9 7 scientific scientific ADJ issue-2782 9 8 research research NOUN issue-2782 9 9 to to PART issue-2782 9 10 ascertain ascertain VERB issue-2782 9 11 the the DET issue-2782 9 12 current current ADJ issue-2782 9 13 state state NOUN issue-2782 9 14 of of ADP issue-2782 9 15 artificial artificial ADJ issue-2782 9 16 intelligence intelligence NOUN issue-2782 9 17 technology technology NOUN issue-2782 9 18 implementation implementation NOUN issue-2782 9 19 by by ADP issue-2782 9 20 insurance insurance NOUN issue-2782 9 21 companies company NOUN issue-2782 9 22 in in ADP issue-2782 9 23 their their PRON issue-2782 9 24 operations operation NOUN issue-2782 9 25 and and CCONJ issue-2782 9 26 to to PART issue-2782 9 27 explore explore VERB issue-2782 9 28 prospects prospect NOUN issue-2782 9 29 for for ADP issue-2782 9 30 its its PRON issue-2782 9 31 integration integration NOUN issue-2782 9 32 into into ADP issue-2782 9 33 the the DET issue-2782 9 34 broader broad ADJ issue-2782 9 35 insurance insurance NOUN issue-2782 9 36 market market NOUN issue-2782 9 37 development development NOUN issue-2782 9 38 . . PUNCT issue-2782 10 1 the the DET issue-2782 10 2 purpose purpose NOUN issue-2782 10 3 of of ADP issue-2782 10 4 the the DET issue-2782 10 5 article article NOUN issue-2782 10 6 is be AUX issue-2782 10 7 to to PART issue-2782 10 8 provide provide VERB issue-2782 10 9 a a DET issue-2782 10 10 comprehensive comprehensive ADJ issue-2782 10 11 overview overview NOUN issue-2782 10 12 of of ADP issue-2782 10 13 the the DET issue-2782 10 14 theoretical theoretical ADJ issue-2782 10 15 and and CCONJ issue-2782 10 16 applied applied ADJ issue-2782 10 17 provisions provision NOUN issue-2782 10 18 of of ADP issue-2782 10 19 artificial artificial ADJ issue-2782 10 20 intelligence intelligence NOUN issue-2782 10 21 technologies technology NOUN issue-2782 10 22 in in ADP issue-2782 10 23 the the DET issue-2782 10 24 development development NOUN issue-2782 10 25 of of ADP issue-2782 10 26 the the DET issue-2782 10 27 insurance insurance NOUN issue-2782 10 28 services service NOUN issue-2782 10 29 market market NOUN issue-2782 10 30 . . PUNCT issue-2782 11 1 a a DET issue-2782 11 2 range range NOUN issue-2782 11 3 of of ADP issue-2782 11 4 general general ADJ issue-2782 11 5 scientific scientific ADJ issue-2782 11 6 and and CCONJ issue-2782 11 7 special special ADJ issue-2782 11 8 research research NOUN issue-2782 11 9 methods method NOUN issue-2782 11 10 were be AUX issue-2782 11 11 used use VERB issue-2782 11 12 in in ADP issue-2782 11 13 the the DET issue-2782 11 14 article article NOUN issue-2782 11 15 , , PUNCT issue-2782 11 16 including include VERB issue-2782 11 17 the the DET issue-2782 11 18 following following NOUN issue-2782 11 19 : : PUNCT issue-2782 11 20 methods method NOUN issue-2782 11 21 of of ADP issue-2782 11 22 comparison comparison NOUN issue-2782 11 23 , , PUNCT issue-2782 11 24 measurement measurement NOUN issue-2782 11 25 , , PUNCT issue-2782 11 26 abstraction abstraction NOUN issue-2782 11 27 , , PUNCT issue-2782 11 28 analysis analysis NOUN issue-2782 11 29 and and CCONJ issue-2782 11 30 synthesis synthesis NOUN issue-2782 11 31 . . PUNCT issue-2782 12 1 the the DET issue-2782 12 2 employment employment NOUN issue-2782 12 3 of of ADP issue-2782 12 4 statistical statistical ADJ issue-2782 12 5 analysis analysis NOUN issue-2782 12 6 methods method NOUN issue-2782 12 7 enabled enable VERB issue-2782 12 8 the the DET issue-2782 12 9 substantiation substantiation NOUN issue-2782 12 10 of of ADP issue-2782 12 11 the the DET issue-2782 12 12 state state NOUN issue-2782 12 13 of of ADP issue-2782 12 14 artificial artificial ADJ issue-2782 12 15 intelligence intelligence NOUN issue-2782 12 16 technology technology NOUN issue-2782 12 17 utilisation utilisation NOUN issue-2782 12 18 by by ADP issue-2782 12 19 insurance insurance NOUN issue-2782 12 20 companies company NOUN issue-2782 12 21 , , PUNCT issue-2782 12 22 and and CCONJ issue-2782 12 23 the the DET issue-2782 12 24 identification identification NOUN issue-2782 12 25 of of ADP issue-2782 12 26 potential potential ADJ issue-2782 12 27 areas area NOUN issue-2782 12 28 for for ADP issue-2782 12 29 its its PRON issue-2782 12 30 further further ADJ issue-2782 12 31 application application NOUN issue-2782 12 32 in in ADP issue-2782 12 33 their their PRON issue-2782 12 34 work work NOUN issue-2782 12 35 . . PUNCT issue-2782 13 1 the the DET issue-2782 13 2 study study NOUN issue-2782 13 3 of of ADP issue-2782 13 4 the the DET issue-2782 13 5 modern modern ADJ issue-2782 13 6 model model NOUN issue-2782 13 7 of of ADP issue-2782 13 8 the the DET issue-2782 13 9 insurance insurance NOUN issue-2782 13 10 services service NOUN issue-2782 13 11 market market NOUN issue-2782 13 12 was be AUX issue-2782 13 13 conducted conduct VERB issue-2782 13 14 , , PUNCT issue-2782 13 15 which which PRON issue-2782 13 16 was be AUX issue-2782 13 17 based base VERB issue-2782 13 18 on on ADP issue-2782 13 19 substantiating substantiate VERB issue-2782 13 20 the the DET issue-2782 13 21 essence essence NOUN issue-2782 13 22 of of ADP issue-2782 13 23 this this DET issue-2782 13 24 model model NOUN issue-2782 13 25 and and CCONJ issue-2782 13 26 identifying identify VERB issue-2782 13 27 specific specific ADJ issue-2782 13 28 features feature NOUN issue-2782 13 29 of of ADP issue-2782 13 30 the the DET issue-2782 13 31 functioning functioning NOUN issue-2782 13 32 of of ADP issue-2782 13 33 the the DET issue-2782 13 34 specified specified ADJ issue-2782 13 35 market market NOUN issue-2782 13 36 . . PUNCT issue-2782 14 1 in in ADP issue-2782 14 2 the the DET issue-2782 14 3 future future NOUN issue-2782 14 4 , , PUNCT issue-2782 14 5 this this PRON issue-2782 14 6 allowed allow VERB issue-2782 14 7 to to PART issue-2782 14 8 more more ADV issue-2782 14 9 clearly clearly ADV issue-2782 14 10 substantiate substantiate VERB issue-2782 14 11 the the DET issue-2782 14 12 directions direction NOUN issue-2782 14 13 of of ADP issue-2782 14 14 its its PRON issue-2782 14 15 digitalisation digitalisation NOUN issue-2782 14 16 , , PUNCT issue-2782 14 17 the the DET issue-2782 14 18 prerequisites prerequisite NOUN issue-2782 14 19 for for ADP issue-2782 14 20 the the DET issue-2782 14 21 digital digital ADJ issue-2782 14 22 transformation transformation NOUN issue-2782 14 23 of of ADP issue-2782 14 24 insurance insurance NOUN issue-2782 14 25 companies company NOUN issue-2782 14 26 , , PUNCT issue-2782 14 27 the the DET issue-2782 14 28 main main ADJ issue-2782 14 29 digital digital ADJ issue-2782 14 30 technologies technology NOUN issue-2782 14 31 that that PRON issue-2782 14 32 they they PRON issue-2782 14 33 use use VERB issue-2782 14 34 in in ADP issue-2782 14 35 their their PRON issue-2782 14 36 own own ADJ issue-2782 14 37 activities activity NOUN issue-2782 14 38 , , PUNCT issue-2782 14 39 and and CCONJ issue-2782 14 40 the the DET issue-2782 14 41 consequences consequence NOUN issue-2782 14 42 of of ADP issue-2782 14 43 their their PRON issue-2782 14 44 application application NOUN issue-2782 14 45 for for ADP issue-2782 14 46 this this DET issue-2782 14 47 market market NOUN issue-2782 14 48 . . PUNCT issue-2782 15 1 the the DET issue-2782 15 2 article article NOUN issue-2782 15 3 pays pay VERB issue-2782 15 4 significant significant ADJ issue-2782 15 5 attention attention NOUN issue-2782 15 6 to to ADP issue-2782 15 7 the the DET issue-2782 15 8 study study NOUN issue-2782 15 9 of of ADP issue-2782 15 10 the the DET issue-2782 15 11 essence essence NOUN issue-2782 15 12 of of ADP issue-2782 15 13 artificial artificial ADJ issue-2782 15 14 intelligence intelligence NOUN issue-2782 15 15 and and CCONJ issue-2782 15 16 its its PRON issue-2782 15 17 modern modern ADJ issue-2782 15 18 development development NOUN issue-2782 15 19 in in ADP issue-2782 15 20 the the DET issue-2782 15 21 field field NOUN issue-2782 15 22 of of ADP issue-2782 15 23 financial financial ADJ issue-2782 15 24 services service NOUN issue-2782 15 25 , , PUNCT issue-2782 15 26 as as ADV issue-2782 15 27 well well ADV issue-2782 15 28 as as ADP issue-2782 15 29 to to ADP issue-2782 15 30 the the DET issue-2782 15 31 further further ADJ issue-2782 15 32 prospects prospect NOUN issue-2782 15 33 for for ADP issue-2782 15 34 its its PRON issue-2782 15 35 use use NOUN issue-2782 15 36 in in ADP issue-2782 15 37 the the DET issue-2782 15 38 activities activity NOUN issue-2782 15 39 of of ADP issue-2782 15 40 insurance insurance NOUN issue-2782 15 41 companies company NOUN issue-2782 15 42 . . PUNCT issue-2782 16 1 the the DET issue-2782 16 2 consideration consideration NOUN issue-2782 16 3 of of ADP issue-2782 16 4 specific specific ADJ issue-2782 16 5 features feature NOUN issue-2782 16 6 of of ADP issue-2782 16 7 their their PRON issue-2782 16 8 business business NOUN issue-2782 16 9 activities activity NOUN issue-2782 16 10 enabled enable VERB issue-2782 16 11 the the DET issue-2782 16 12 formulation formulation NOUN issue-2782 16 13 of of ADP issue-2782 16 14 consequences consequence NOUN issue-2782 16 15 of of ADP issue-2782 16 16 using use VERB issue-2782 16 17 artificial artificial ADJ issue-2782 16 18 intelligence intelligence NOUN issue-2782 16 19 technology technology NOUN issue-2782 16 20 in in ADP issue-2782 16 21 their their PRON issue-2782 16 22 further further ADJ issue-2782 16 23 work work NOUN issue-2782 16 24 . . PUNCT issue-2782 17 1 advantages advantage NOUN issue-2782 17 2 and and CCONJ issue-2782 17 3 disadvantages disadvantage NOUN issue-2782 17 4 of of ADP issue-2782 17 5 using use VERB issue-2782 17 6 artificial artificial ADJ issue-2782 17 7 intelligence intelligence NOUN issue-2782 17 8 technology technology NOUN issue-2782 17 9 in in ADP issue-2782 17 10 the the DET issue-2782 17 11 work work NOUN issue-2782 17 12 of of ADP issue-2782 17 13 insurance insurance NOUN issue-2782 17 14 companies company NOUN issue-2782 17 15 were be AUX issue-2782 17 16 specified specify VERB issue-2782 17 17 , , PUNCT issue-2782 17 18 which which PRON issue-2782 17 19 made make VERB issue-2782 17 20 it it PRON issue-2782 17 21 possible possible ADJ issue-2782 17 22 to to PART issue-2782 17 23 state state VERB issue-2782 17 24 available available ADJ issue-2782 17 25 significant significant ADJ issue-2782 17 26 systemic systemic ADJ issue-2782 17 27 advantages advantage NOUN issue-2782 17 28 of of ADP issue-2782 17 29 its its PRON issue-2782 17 30 use use NOUN issue-2782 17 31 and and CCONJ issue-2782 17 32 its its PRON issue-2782 17 33 prospects prospect NOUN issue-2782 17 34 for for ADP issue-2782 17 35 ensuring ensure VERB issue-2782 17 36 digital digital ADJ issue-2782 17 37 transformation transformation NOUN issue-2782 17 38 of of ADP issue-2782 17 39 these these DET issue-2782 17 40 companies company NOUN issue-2782 17 41 . . PUNCT issue-2782 18 1 in in ADP issue-2782 18 2 the the DET issue-2782 18 3 future future NOUN issue-2782 18 4 , , PUNCT issue-2782 18 5 this this PRON issue-2782 18 6 allowed allow VERB issue-2782 18 7 to to PART issue-2782 18 8 substantiate substantiate VERB issue-2782 18 9 the the DET issue-2782 18 10 main main ADJ issue-2782 18 11 directions direction NOUN issue-2782 18 12 of of ADP issue-2782 18 13 using use VERB issue-2782 18 14 artificial artificial ADJ issue-2782 18 15 intelligence intelligence NOUN issue-2782 18 16 in in ADP issue-2782 18 17 the the DET issue-2782 18 18 further further ADJ issue-2782 18 19 development development NOUN issue-2782 18 20 of of ADP issue-2782 18 21 insurance insurance NOUN issue-2782 18 22 companies company NOUN issue-2782 18 23 and and CCONJ issue-2782 18 24 the the DET issue-2782 18 25 insurance insurance NOUN issue-2782 18 26 services service NOUN issue-2782 18 27 market market NOUN issue-2782 18 28 in in ADP issue-2782 18 29 general general ADJ issue-2782 18 30 . . PUNCT issue-2782 19 1 keywords keyword NOUN issue-2782 19 2 : : PUNCT issue-2782 19 3 insurtech insurtech NOUN issue-2782 19 4 , , PUNCT issue-2782 19 5 insurance insurance NOUN issue-2782 19 6 , , PUNCT issue-2782 19 7 artificial artificial ADJ issue-2782 19 8 intelligence intelligence NOUN issue-2782 19 9 , , PUNCT issue-2782 19 10 digitalisation digitalisation NOUN issue-2782 19 11 , , PUNCT issue-2782 19 12 digital digital ADJ issue-2782 19 13 technologies technology NOUN issue-2782 19 14 , , PUNCT issue-2782 19 15 personalisation personalisation NOUN issue-2782 19 16 , , PUNCT issue-2782 19 17 insurance insurance NOUN issue-2782 19 18 services service NOUN issue-2782 19 19 , , PUNCT issue-2782 19 20 insurance insurance NOUN issue-2782 19 21 services service NOUN issue-2782 19 22 market market NOUN issue-2782 19 23 . . PUNCT issue-2782 20 1 jel jel PROPN issue-2782 20 2 classification classification NOUN issue-2782 20 3 : : PUNCT issue-2782 20 4 d14 d14 PROPN issue-2782 20 5 , , PUNCT issue-2782 20 6 g21 g21 PROPN issue-2782 20 7 baltic baltic PROPN issue-2782 20 8 journal journal PROPN issue-2782 20 9 of of ADP issue-2782 20 10 economic economic ADJ issue-2782 20 11 studies study NOUN issue-2782 20 12 330 330 NUM issue-2782 20 13 vol vol NOUN issue-2782 20 14 . . PUNCT issue-2782 20 15 11 11 NUM issue-2782 21 1 no no NOUN issue-2782 21 2 . . NOUN issue-2782 21 3 1 1 NUM issue-2782 21 4 , , PUNCT issue-2782 21 5 2025 2025 NUM issue-2782 21 6 1 1 NUM issue-2782 21 7 . . PUNCT issue-2782 22 1 introduction introduction NOUN issue-2782 22 2 the the DET issue-2782 22 3 development development NOUN issue-2782 22 4 of of ADP issue-2782 22 5 the the DET issue-2782 22 6 insurance insurance NOUN issue-2782 22 7 market market NOUN issue-2782 22 8 is be AUX issue-2782 22 9 an an DET issue-2782 22 10 integral integral ADJ issue-2782 22 11 part part NOUN issue-2782 22 12 of of ADP issue-2782 22 13 ensuring ensure VERB issue-2782 22 14 the the DET issue-2782 22 15 effective effective ADJ issue-2782 22 16 functioning functioning NOUN issue-2782 22 17 of of ADP issue-2782 22 18 the the DET issue-2782 22 19 financial financial ADJ issue-2782 22 20 system system NOUN issue-2782 22 21 in in ADP issue-2782 22 22 modern modern ADJ issue-2782 22 23 conditions condition NOUN issue-2782 22 24 . . PUNCT issue-2782 23 1 it it PRON issue-2782 23 2 is be AUX issue-2782 23 3 within within ADP issue-2782 23 4 the the DET issue-2782 23 5 framework framework NOUN issue-2782 23 6 of of ADP issue-2782 23 7 this this DET issue-2782 23 8 market market NOUN issue-2782 23 9 that that SCONJ issue-2782 23 10 the the DET issue-2782 23 11 movement movement NOUN issue-2782 23 12 of of ADP issue-2782 23 13 financial financial ADJ issue-2782 23 14 resources resource NOUN issue-2782 23 15 occurs occur VERB issue-2782 23 16 , , PUNCT issue-2782 23 17 their their PRON issue-2782 23 18 accumulation accumulation NOUN issue-2782 23 19 and and CCONJ issue-2782 23 20 transformation transformation NOUN issue-2782 23 21 into into ADP issue-2782 23 22 investment investment NOUN issue-2782 23 23 funds fund NOUN issue-2782 23 24 , , PUNCT issue-2782 23 25 which which PRON issue-2782 23 26 are be AUX issue-2782 23 27 subsequently subsequently ADV issue-2782 23 28 directed direct VERB issue-2782 23 29 to to ADP issue-2782 23 30 the the DET issue-2782 23 31 development development NOUN issue-2782 23 32 of of ADP issue-2782 23 33 the the DET issue-2782 23 34 national national ADJ issue-2782 23 35 economy economy NOUN issue-2782 23 36 . . PUNCT issue-2782 24 1 empirical empirical ADJ issue-2782 24 2 evidence evidence NOUN issue-2782 24 3 from from ADP issue-2782 24 4 foreign foreign ADJ issue-2782 24 5 countries country NOUN issue-2782 24 6 demonstrates demonstrate VERB issue-2782 24 7 that that SCONJ issue-2782 24 8 the the DET issue-2782 24 9 absence absence NOUN issue-2782 24 10 of of ADP issue-2782 24 11 effective effective ADJ issue-2782 24 12 market market NOUN issue-2782 24 13 functioning function VERB issue-2782 24 14 hinders hinder VERB issue-2782 24 15 the the DET issue-2782 24 16 establishment establishment NOUN issue-2782 24 17 of of ADP issue-2782 24 18 favourable favourable ADJ issue-2782 24 19 conditions condition NOUN issue-2782 24 20 for for ADP issue-2782 24 21 economic economic ADJ issue-2782 24 22 development development NOUN issue-2782 24 23 . . PUNCT issue-2782 25 1 consequently consequently ADV issue-2782 25 2 , , PUNCT issue-2782 25 3 the the DET issue-2782 25 4 challenges challenge NOUN issue-2782 25 5 of of ADP issue-2782 25 6 identifying identify VERB issue-2782 25 7 novel novel ADJ issue-2782 25 8 domains domain NOUN issue-2782 25 9 of of ADP issue-2782 25 10 stimulating stimulate VERB issue-2782 25 11 activities activity NOUN issue-2782 25 12 for for ADP issue-2782 25 13 insurance insurance NOUN issue-2782 25 14 companies company NOUN issue-2782 25 15 , , PUNCT issue-2782 25 16 attracting attract VERB issue-2782 25 17 new new ADJ issue-2782 25 18 clients client NOUN issue-2782 25 19 to to ADP issue-2782 25 20 the the DET issue-2782 25 21 insurance insurance NOUN issue-2782 25 22 market market NOUN issue-2782 25 23 , , PUNCT issue-2782 25 24 and and CCONJ issue-2782 25 25 enhancing enhance VERB issue-2782 25 26 the the DET issue-2782 25 27 trust trust NOUN issue-2782 25 28 of of ADP issue-2782 25 29 economic economic ADJ issue-2782 25 30 entities entity NOUN issue-2782 25 31 in in ADP issue-2782 25 32 the the DET issue-2782 25 33 specified specify VERB issue-2782 25 34 institutions institution NOUN issue-2782 25 35 are be AUX issue-2782 25 36 accorded accord VERB issue-2782 25 37 substantial substantial ADJ issue-2782 25 38 attention attention NOUN issue-2782 25 39 by by ADP issue-2782 25 40 state state NOUN issue-2782 25 41 authorities authority NOUN issue-2782 25 42 in in ADP issue-2782 25 43 developed developed ADJ issue-2782 25 44 countries country NOUN issue-2782 25 45 . . PUNCT issue-2782 25 46     SPACE issue-2782 25 47 in in ADP issue-2782 25 48 the the DET issue-2782 25 49 contemporary contemporary ADJ issue-2782 25 50 era era NOUN issue-2782 25 51 , , PUNCT issue-2782 25 52 insurance insurance NOUN issue-2782 25 53 companies company NOUN issue-2782 25 54 , , PUNCT issue-2782 25 55 akin akin ADJ issue-2782 25 56 to to ADP issue-2782 25 57 other other ADJ issue-2782 25 58 financial financial ADJ issue-2782 25 59 institutions institution NOUN issue-2782 25 60 , , PUNCT issue-2782 25 61 are be AUX issue-2782 25 62 profoundly profoundly ADV issue-2782 25 63 impacted impact VERB issue-2782 25 64 by by ADP issue-2782 25 65 digital digital ADJ issue-2782 25 66 technologies technology NOUN issue-2782 25 67 and and CCONJ issue-2782 25 68 are be AUX issue-2782 25 69 undergoing undergo VERB issue-2782 25 70 a a DET issue-2782 25 71 digital digital ADJ issue-2782 25 72 transformation transformation NOUN issue-2782 25 73 . . PUNCT issue-2782 26 1 these these DET issue-2782 26 2 companies company NOUN issue-2782 26 3 are be AUX issue-2782 26 4 leveraging leverage VERB issue-2782 26 5 the the DET issue-2782 26 6 capabilities capability NOUN issue-2782 26 7 of of ADP issue-2782 26 8 these these DET issue-2782 26 9 technologies technology NOUN issue-2782 26 10 in in ADP issue-2782 26 11 their their PRON issue-2782 26 12 operations operation NOUN issue-2782 26 13 , , PUNCT issue-2782 26 14 enhancing enhance VERB issue-2782 26 15 the the DET issue-2782 26 16 quality quality NOUN issue-2782 26 17 of of ADP issue-2782 26 18 insurance insurance NOUN issue-2782 26 19 services service NOUN issue-2782 26 20 and and CCONJ issue-2782 26 21 optimising optimise VERB issue-2782 26 22 the the DET issue-2782 26 23 management management NOUN issue-2782 26 24 of of ADP issue-2782 26 25 various various ADJ issue-2782 26 26 risk risk NOUN issue-2782 26 27 types type NOUN issue-2782 26 28 . . PUNCT issue-2782 27 1 this this PRON issue-2782 27 2 , , PUNCT issue-2782 27 3 in in ADP issue-2782 27 4 turn turn NOUN issue-2782 27 5 , , PUNCT issue-2782 27 6 contributes contribute VERB issue-2782 27 7 to to ADP issue-2782 27 8 their their PRON issue-2782 27 9 stable stable ADJ issue-2782 27 10 functioning functioning NOUN issue-2782 27 11 and and CCONJ issue-2782 27 12 enhances enhance VERB issue-2782 27 13 their their PRON issue-2782 27 14 financial financial ADJ issue-2782 27 15 outcomes outcome NOUN issue-2782 27 16 . . PUNCT issue-2782 28 1 among among ADP issue-2782 28 2 all all DET issue-2782 28 3 the the DET issue-2782 28 4 digital digital ADJ issue-2782 28 5 technologies technology NOUN issue-2782 28 6 that that PRON issue-2782 28 7 insurance insurance NOUN issue-2782 28 8 companies company NOUN issue-2782 28 9 use use VERB issue-2782 28 10 in in ADP issue-2782 28 11 their their PRON issue-2782 28 12 activities activity NOUN issue-2782 28 13 today today NOUN issue-2782 28 14 , , PUNCT issue-2782 28 15 one one NUM issue-2782 28 16 of of ADP issue-2782 28 17 the the DET issue-2782 28 18 most most ADV issue-2782 28 19 promising promising ADJ issue-2782 28 20 is be AUX issue-2782 28 21 artificial artificial ADJ issue-2782 28 22 intelligence intelligence NOUN issue-2782 28 23 technology technology NOUN issue-2782 28 24 . . PUNCT issue-2782 29 1 these these DET issue-2782 29 2 companies company NOUN issue-2782 29 3 are be AUX issue-2782 29 4 actively actively ADV issue-2782 29 5 applying apply VERB issue-2782 29 6 elements element NOUN issue-2782 29 7 of of ADP issue-2782 29 8 this this DET issue-2782 29 9 technology technology NOUN issue-2782 29 10 , , PUNCT issue-2782 29 11 using use VERB issue-2782 29 12 it it PRON issue-2782 29 13 to to PART issue-2782 29 14 improve improve VERB issue-2782 29 15 the the DET issue-2782 29 16 quality quality NOUN issue-2782 29 17 of of ADP issue-2782 29 18 insurance insurance NOUN issue-2782 29 19 services service NOUN issue-2782 29 20 , , PUNCT issue-2782 29 21 risk risk NOUN issue-2782 29 22 assessment assessment NOUN issue-2782 29 23 , , PUNCT issue-2782 29 24 financial financial ADJ issue-2782 29 25 condition condition NOUN issue-2782 29 26 of of ADP issue-2782 29 27 customers customer NOUN issue-2782 29 28 , , PUNCT issue-2782 29 29 in in ADP issue-2782 29 30 the the DET issue-2782 29 31 management management NOUN issue-2782 29 32 of of ADP issue-2782 29 33 insurance insurance NOUN issue-2782 29 34 companies company NOUN issue-2782 29 35 , , PUNCT issue-2782 29 36 improving improve VERB issue-2782 29 37 the the DET issue-2782 29 38 quality quality NOUN issue-2782 29 39 of of ADP issue-2782 29 40 analysis analysis NOUN issue-2782 29 41 of of ADP issue-2782 29 42 internal internal ADJ issue-2782 29 43 and and CCONJ issue-2782 29 44 external external ADJ issue-2782 29 45 information information NOUN issue-2782 29 46 . . PUNCT issue-2782 30 1 this this PRON issue-2782 30 2 helps help VERB issue-2782 30 3 to to PART issue-2782 30 4 make make VERB issue-2782 30 5 balanced balanced ADJ issue-2782 30 6 and and CCONJ issue-2782 30 7 correct correct ADJ issue-2782 30 8 management management NOUN issue-2782 30 9 decisions decision NOUN issue-2782 30 10 . . PUNCT issue-2782 31 1 the the DET issue-2782 31 2 potential potential ADJ issue-2782 31 3 use use NOUN issue-2782 31 4 of of ADP issue-2782 31 5 ai ai NOUN issue-2782 31 6 in in ADP issue-2782 31 7 insurance insurance NOUN issue-2782 31 8 companies company NOUN issue-2782 31 9 has have AUX issue-2782 31 10 not not PART issue-2782 31 11 yet yet ADV issue-2782 31 12 been be AUX issue-2782 31 13 fully fully ADV issue-2782 31 14 explored explore VERB issue-2782 31 15 , , PUNCT issue-2782 31 16 since since SCONJ issue-2782 31 17 its its PRON issue-2782 31 18 potential potential ADJ issue-2782 31 19 use use NOUN issue-2782 31 20 is be AUX issue-2782 31 21 enormous enormous ADJ issue-2782 31 22 and and CCONJ issue-2782 31 23 insurance insurance NOUN issue-2782 31 24 companies company NOUN issue-2782 31 25 are be AUX issue-2782 31 26 gradually gradually ADV issue-2782 31 27 developing develop VERB issue-2782 31 28 new new ADJ issue-2782 31 29 innovative innovative ADJ issue-2782 31 30 products product NOUN issue-2782 31 31 and and CCONJ issue-2782 31 32 programmes programme NOUN issue-2782 31 33 for for ADP issue-2782 31 34 the the DET issue-2782 31 35 application application NOUN issue-2782 31 36 of of ADP issue-2782 31 37 this this DET issue-2782 31 38 technology technology NOUN issue-2782 31 39 in in ADP issue-2782 31 40 their their PRON issue-2782 31 41 own own ADJ issue-2782 31 42 work work NOUN issue-2782 31 43 . . PUNCT issue-2782 32 1 the the DET issue-2782 32 2 outlined outlined NOUN issue-2782 32 3 justifies justify VERB issue-2782 32 4 the the DET issue-2782 32 5 importance importance NOUN issue-2782 32 6 of of ADP issue-2782 32 7 carrying carry VERB issue-2782 32 8 out out ADP issue-2782 32 9 additional additional ADJ issue-2782 32 10 research research NOUN issue-2782 32 11 by by ADP issue-2782 32 12 using use VERB issue-2782 32 13 ai ai NOUN issue-2782 32 14 in in ADP issue-2782 32 15 the the DET issue-2782 32 16 development development NOUN issue-2782 32 17 of of ADP issue-2782 32 18 the the DET issue-2782 32 19 specified specify VERB issue-2782 32 20 companies company NOUN issue-2782 32 21 to to PART issue-2782 32 22 determine determine VERB issue-2782 32 23 directions direction NOUN issue-2782 32 24 for for ADP issue-2782 32 25 its its PRON issue-2782 32 26 development development NOUN issue-2782 32 27 in in ADP issue-2782 32 28 the the DET issue-2782 32 29 insurance insurance NOUN issue-2782 32 30 services service NOUN issue-2782 32 31 market market NOUN issue-2782 32 32 . . PUNCT issue-2782 33 1 the the DET issue-2782 33 2 use use NOUN issue-2782 33 3 of of ADP issue-2782 33 4 ai ai NOUN issue-2782 33 5 is be AUX issue-2782 33 6 already already ADV issue-2782 33 7 an an DET issue-2782 33 8 objective objective ADJ issue-2782 33 9 process process NOUN issue-2782 33 10 in in ADP issue-2782 33 11 which which PRON issue-2782 33 12 insurance insurance NOUN issue-2782 33 13 companies company NOUN issue-2782 33 14 are be AUX issue-2782 33 15 already already ADV issue-2782 33 16 obliged oblige VERB issue-2782 33 17 to to PART issue-2782 33 18 use use VERB issue-2782 33 19 this this DET issue-2782 33 20 technology technology NOUN issue-2782 33 21 in in ADP issue-2782 33 22 their their PRON issue-2782 33 23 own own ADJ issue-2782 33 24 development development NOUN issue-2782 33 25 in in ADP issue-2782 33 26 order order NOUN issue-2782 33 27 to to PART issue-2782 33 28 ensure ensure VERB issue-2782 33 29 their their PRON issue-2782 33 30 own own ADJ issue-2782 33 31 competitiveness competitiveness NOUN issue-2782 33 32 in in ADP issue-2782 33 33 the the DET issue-2782 33 34 insurance insurance NOUN issue-2782 33 35 services service NOUN issue-2782 33 36 market market NOUN issue-2782 33 37 . . PUNCT issue-2782 34 1 however however ADV issue-2782 34 2 , , PUNCT issue-2782 34 3 the the DET issue-2782 34 4 scientific scientific ADJ issue-2782 34 5 work work NOUN issue-2782 34 6 on on ADP issue-2782 34 7 these these DET issue-2782 34 8 issues issue NOUN issue-2782 34 9 is be AUX issue-2782 34 10 fragmentary fragmentary ADJ issue-2782 34 11 and and CCONJ issue-2782 34 12 insufficient insufficient ADJ issue-2782 34 13 . . PUNCT issue-2782 35 1 therefore therefore ADV issue-2782 35 2 , , PUNCT issue-2782 35 3 the the DET issue-2782 35 4 issue issue NOUN issue-2782 35 5 of of ADP issue-2782 35 6 deepening deepen VERB issue-2782 35 7 the the DET issue-2782 35 8 theoretical theoretical ADJ issue-2782 35 9 and and CCONJ issue-2782 35 10 applied applied ADJ issue-2782 35 11 provisions provision NOUN issue-2782 35 12 on on ADP issue-2782 35 13 the the DET issue-2782 35 14 use use NOUN issue-2782 35 15 of of ADP issue-2782 35 16 this this DET issue-2782 35 17 technology technology NOUN issue-2782 35 18 , , PUNCT issue-2782 35 19 describing describe VERB issue-2782 35 20 its its PRON issue-2782 35 21 role role NOUN issue-2782 35 22 in in ADP issue-2782 35 23 the the DET issue-2782 35 24 digital digital ADJ issue-2782 35 25 transformation transformation NOUN issue-2782 35 26 of of ADP issue-2782 35 27 insurance insurance NOUN issue-2782 35 28 companies company NOUN issue-2782 35 29 , , PUNCT issue-2782 35 30 advantages advantage NOUN issue-2782 35 31 and and CCONJ issue-2782 35 32 disadvantages disadvantage NOUN issue-2782 35 33 of of ADP issue-2782 35 34 its its PRON issue-2782 35 35 use use NOUN issue-2782 35 36 is be AUX issue-2782 35 37 relevant relevant ADJ issue-2782 35 38 . . PUNCT issue-2782 36 1 2 2 X issue-2782 36 2 . . X issue-2782 36 3 literature literature NOUN issue-2782 36 4 review review VERB issue-2782 36 5 scientific scientific ADJ issue-2782 36 6 studies study NOUN issue-2782 36 7 of of ADP issue-2782 36 8 domestic domestic ADJ issue-2782 36 9 and and CCONJ issue-2782 36 10 foreign foreign ADJ issue-2782 36 11 scientists scientist NOUN issue-2782 36 12 are be AUX issue-2782 36 13 devoted devoted ADJ issue-2782 36 14 to to ADP issue-2782 36 15 the the DET issue-2782 36 16 study study NOUN issue-2782 36 17 of of ADP issue-2782 36 18 the the DET issue-2782 36 19 development development NOUN issue-2782 36 20 of of ADP issue-2782 36 21 the the DET issue-2782 36 22 insurance insurance NOUN issue-2782 36 23 services service NOUN issue-2782 36 24 market market NOUN issue-2782 36 25 in in ADP issue-2782 36 26 the the DET issue-2782 36 27 conditions condition NOUN issue-2782 36 28 of of ADP issue-2782 36 29 digitalisation digitalisation NOUN issue-2782 36 30 and and CCONJ issue-2782 36 31 rapid rapid ADJ issue-2782 36 32 development development NOUN issue-2782 36 33 of of ADP issue-2782 36 34 artificial artificial ADJ issue-2782 36 35 intelligence intelligence NOUN issue-2782 36 36 technologies technology NOUN issue-2782 36 37 . . PUNCT issue-2782 37 1 as as ADP issue-2782 37 2 part part NOUN issue-2782 37 3 of of ADP issue-2782 37 4 the the DET issue-2782 37 5 study study NOUN issue-2782 37 6 ( ( PUNCT issue-2782 37 7 dalla dalla PROPN issue-2782 37 8 pozza pozza NOUN issue-2782 37 9 , , PUNCT issue-2782 37 10 2024 2024 NUM issue-2782 37 11 ; ; PUNCT issue-2782 37 12 fedyshyn fedyshyn PROPN issue-2782 37 13 et et PROPN issue-2782 37 14 al al PROPN issue-2782 37 15 . . PROPN issue-2782 37 16 , , PUNCT issue-2782 37 17 2019 2019 NUM issue-2782 37 18 ) ) PUNCT issue-2782 37 19 , , PUNCT issue-2782 37 20 a a DET issue-2782 37 21 conceptual conceptual ADJ issue-2782 37 22 basis basis NOUN issue-2782 37 23 for for ADP issue-2782 37 24 the the DET issue-2782 37 25 study study NOUN issue-2782 37 26 of of ADP issue-2782 37 27 issues issue NOUN issue-2782 37 28 related relate VERB issue-2782 37 29 to to ADP issue-2782 37 30 the the DET issue-2782 37 31 creation creation NOUN issue-2782 37 32 of of ADP issue-2782 37 33 value value NOUN issue-2782 37 34 for for ADP issue-2782 37 35 customers customer NOUN issue-2782 37 36 by by ADP issue-2782 37 37 service service NOUN issue-2782 37 38 companies company NOUN issue-2782 37 39 through through ADP issue-2782 37 40 multichannel multichannel ADJ issue-2782 37 41 provision provision NOUN issue-2782 37 42 of of ADP issue-2782 37 43 insurance insurance NOUN issue-2782 37 44 services service NOUN issue-2782 37 45 is be AUX issue-2782 37 46 proposed propose VERB issue-2782 37 47 . . PUNCT issue-2782 38 1 according accord VERB issue-2782 38 2 to to ADP issue-2782 38 3 the the DET issue-2782 38 4 authors author NOUN issue-2782 38 5 , , PUNCT issue-2782 38 6 the the DET issue-2782 38 7 analysis analysis NOUN issue-2782 38 8 conducted conduct VERB issue-2782 38 9 provides provide VERB issue-2782 38 10 a a DET issue-2782 38 11 holistic holistic ADJ issue-2782 38 12 and and CCONJ issue-2782 38 13 managerial managerial ADJ issue-2782 38 14 view view NOUN issue-2782 38 15 of of ADP issue-2782 38 16 multi multi ADJ issue-2782 38 17 - - ADJ issue-2782 38 18 channel channel NOUN issue-2782 38 19 strategies strategy NOUN issue-2782 38 20 in in ADP issue-2782 38 21 the the DET issue-2782 38 22 context context NOUN issue-2782 38 23 of of ADP issue-2782 38 24 insurance insurance NOUN issue-2782 38 25 services service NOUN issue-2782 38 26 . . PUNCT issue-2782 39 1 in in ADP issue-2782 39 2 their their PRON issue-2782 39 3 analysis analysis NOUN issue-2782 39 4 , , PUNCT issue-2782 39 5 the the DET issue-2782 39 6 authors author NOUN issue-2782 39 7 ( ( PUNCT issue-2782 39 8 yang yang PROPN issue-2782 39 9 et et PROPN issue-2782 39 10 al al PROPN issue-2782 39 11 . . PROPN issue-2782 39 12 , , PUNCT issue-2782 39 13 2024 2024 NUM issue-2782 39 14 ) ) PUNCT issue-2782 39 15 examined examine VERB issue-2782 39 16 two two NUM issue-2782 39 17 distinct distinct ADJ issue-2782 39 18 categories category NOUN issue-2782 39 19 of of ADP issue-2782 39 20 social social ADJ issue-2782 39 21 health health NOUN issue-2782 39 22 insurance insurance NOUN issue-2782 39 23 : : PUNCT issue-2782 39 24 the the DET issue-2782 39 25 basic basic ADJ issue-2782 39 26 health health NOUN issue-2782 39 27 insurance insurance NOUN issue-2782 39 28 scheme scheme NOUN issue-2782 39 29 for for ADP issue-2782 39 30 urban urban ADJ issue-2782 39 31 employees employee NOUN issue-2782 39 32 and and CCONJ issue-2782 39 33 the the DET issue-2782 39 34 basic basic ADJ issue-2782 39 35 health health NOUN issue-2782 39 36 insurance insurance NOUN issue-2782 39 37 scheme scheme NOUN issue-2782 39 38 for for ADP issue-2782 39 39 urban urban ADJ issue-2782 39 40 and and CCONJ issue-2782 39 41 rural rural ADJ issue-2782 39 42 residents resident NOUN issue-2782 39 43 . . PUNCT issue-2782 40 1 the the DET issue-2782 40 2 authors author NOUN issue-2782 40 3 concluded conclude VERB issue-2782 40 4 that that SCONJ issue-2782 40 5 social social ADJ issue-2782 40 6 health health NOUN issue-2782 40 7 insurance insurance NOUN issue-2782 40 8 can can AUX issue-2782 40 9 significantly significantly ADV issue-2782 40 10 influence influence VERB issue-2782 40 11 the the DET issue-2782 40 12 choice choice NOUN issue-2782 40 13 of of ADP issue-2782 40 14 residents resident NOUN issue-2782 40 15 of of ADP issue-2782 40 16 medical medical ADJ issue-2782 40 17 institutions institution NOUN issue-2782 40 18 . . PUNCT issue-2782 41 1 furthermore furthermore ADV issue-2782 41 2 , , PUNCT issue-2782 41 3 research research NOUN issue-2782 41 4 undertaken undertake VERB issue-2782 41 5 by by ADP issue-2782 41 6 ranjan ranjan PROPN issue-2782 41 7 ( ( PUNCT issue-2782 41 8 2024 2024 NUM issue-2782 41 9 ) ) PUNCT issue-2782 41 10 has have AUX issue-2782 41 11 revealed reveal VERB issue-2782 41 12 the the DET issue-2782 41 13 potential potential NOUN issue-2782 41 14 for for ADP issue-2782 41 15 synergistic synergistic ADJ issue-2782 41 16 interactions interaction NOUN issue-2782 41 17 between between ADP issue-2782 41 18 green green ADJ issue-2782 41 19 bonds bond NOUN issue-2782 41 20 and and CCONJ issue-2782 41 21 catastrophe catastrophe NOUN issue-2782 41 22 insurance insurance NOUN issue-2782 41 23 markets market NOUN issue-2782 41 24 . . PUNCT issue-2782 42 1 the the DET issue-2782 42 2 objective objective NOUN issue-2782 42 3 of of ADP issue-2782 42 4 the the DET issue-2782 42 5 present present ADJ issue-2782 42 6 study study NOUN issue-2782 42 7 ( ( PUNCT issue-2782 42 8 odima odima NOUN issue-2782 42 9 et et PROPN issue-2782 42 10 al al PROPN issue-2782 42 11 . . PROPN issue-2782 42 12 , , PUNCT issue-2782 42 13 2023 2023 NUM issue-2782 42 14 ) ) PUNCT issue-2782 42 15 is be AUX issue-2782 42 16 to to PART issue-2782 42 17 analyse analyse VERB issue-2782 42 18 the the DET issue-2782 42 19 potential potential ADJ issue-2782 42 20 utilisation utilisation NOUN issue-2782 42 21 of of ADP issue-2782 42 22 public public ADJ issue-2782 42 23 health health NOUN issue-2782 42 24 insurance insurance NOUN issue-2782 42 25 as as ADP issue-2782 42 26 a a DET issue-2782 42 27 micro micro ADJ issue-2782 42 28 - - ADJ issue-2782 42 29 medical medical ADJ issue-2782 42 30 insurance insurance NOUN issue-2782 42 31 modality modality NOUN issue-2782 42 32 , , PUNCT issue-2782 42 33 with with ADP issue-2782 42 34 a a DET issue-2782 42 35 focus focus NOUN issue-2782 42 36 on on ADP issue-2782 42 37 economically economically ADV issue-2782 42 38 disadvantaged disadvantaged ADJ issue-2782 42 39 populations population NOUN issue-2782 42 40 . . PUNCT issue-2782 43 1 the the DET issue-2782 43 2 study study NOUN issue-2782 43 3 's 's PART issue-2782 43 4 findings finding NOUN issue-2782 43 5 revealed reveal VERB issue-2782 43 6 that that SCONJ issue-2782 43 7 , , PUNCT issue-2782 43 8 despite despite SCONJ issue-2782 43 9 limited limited ADJ issue-2782 43 10 awareness awareness NOUN issue-2782 43 11 , , PUNCT issue-2782 43 12 a a DET issue-2782 43 13 significant significant ADJ issue-2782 43 14 proportion proportion NOUN issue-2782 43 15 of of ADP issue-2782 43 16 the the DET issue-2782 43 17 nigerian nigerian ADJ issue-2782 43 18 population population NOUN issue-2782 43 19 , , PUNCT issue-2782 43 20 specifically specifically ADV issue-2782 43 21 79 79 NUM issue-2782 43 22 % % NOUN issue-2782 43 23 , , PUNCT issue-2782 43 24 is be AUX issue-2782 43 25 well well ADV issue-2782 43 26 informed informed ADJ issue-2782 43 27 about about ADP issue-2782 43 28 public public ADJ issue-2782 43 29 health health NOUN issue-2782 43 30 insurance insurance NOUN issue-2782 43 31 schemes scheme NOUN issue-2782 43 32 and and CCONJ issue-2782 43 33 actively actively ADV issue-2782 43 34 utilises utilise VERB issue-2782 43 35 these these DET issue-2782 43 36 services service NOUN issue-2782 43 37 . . PUNCT issue-2782 44 1 in in ADP issue-2782 44 2 a a DET issue-2782 44 3 related related ADJ issue-2782 44 4 study study NOUN issue-2782 44 5 , , PUNCT issue-2782 44 6 litvinova litvinova PROPN issue-2782 44 7 et et PROPN issue-2782 44 8 al al PROPN issue-2782 44 9 . . PROPN issue-2782 45 1 ( ( PUNCT issue-2782 45 2 2023 2023 NUM issue-2782 45 3 ) ) PUNCT issue-2782 45 4 emphasised emphasise VERB issue-2782 45 5 the the DET issue-2782 45 6 importance importance NOUN issue-2782 45 7 of of ADP issue-2782 45 8 ensuring ensure VERB issue-2782 45 9 the the DET issue-2782 45 10 effective effective ADJ issue-2782 45 11 operation operation NOUN issue-2782 45 12 and and CCONJ issue-2782 45 13 development development NOUN issue-2782 45 14 of of ADP issue-2782 45 15 insurance insurance NOUN issue-2782 45 16 companies company NOUN issue-2782 45 17 in in ADP issue-2782 45 18 the the DET issue-2782 45 19 insurance insurance NOUN issue-2782 45 20 services service NOUN issue-2782 45 21 market market NOUN issue-2782 45 22 , , PUNCT issue-2782 45 23 particularly particularly ADV issue-2782 45 24 in in ADP issue-2782 45 25 the the DET issue-2782 45 26 context context NOUN issue-2782 45 27 of of ADP issue-2782 45 28 globalisation globalisation NOUN issue-2782 45 29 and and CCONJ issue-2782 45 30 intensifying intensify VERB issue-2782 45 31 international international ADJ issue-2782 45 32 competition competition NOUN issue-2782 45 33 . . PUNCT issue-2782 46 1 in in ADP issue-2782 46 2 their their PRON issue-2782 46 3 seminal seminal ADJ issue-2782 46 4 work work NOUN issue-2782 46 5 , , PUNCT issue-2782 46 6 scholars scholar NOUN issue-2782 46 7 ( ( PUNCT issue-2782 46 8 zhang zhang X issue-2782 46 9 et et PROPN issue-2782 46 10 al al PROPN issue-2782 46 11 . . PROPN issue-2782 46 12 , , PUNCT issue-2782 46 13 2022 2022 NUM issue-2782 46 14 ) ) PUNCT issue-2782 46 15 proposed propose VERB issue-2782 46 16 a a DET issue-2782 46 17 novel novel ADJ issue-2782 46 18 insurance insurance NOUN issue-2782 46 19 concept concept NOUN issue-2782 46 20 aimed aim VERB issue-2782 46 21 at at ADP issue-2782 46 22 compensating compensate VERB issue-2782 46 23 cloud cloud ADJ issue-2782 46 24 computing compute VERB issue-2782 46 25 clients client NOUN issue-2782 46 26 in in ADP issue-2782 46 27 the the DET issue-2782 46 28 event event NOUN issue-2782 46 29 of of ADP issue-2782 46 30 specific specific ADJ issue-2782 46 31 failures failure NOUN issue-2782 46 32 . . PUNCT issue-2782 47 1 the the DET issue-2782 47 2 authors author NOUN issue-2782 47 3 of of ADP issue-2782 47 4 the the DET issue-2782 47 5 study study NOUN issue-2782 47 6 proposed propose VERB issue-2782 47 7 a a DET issue-2782 47 8 solution solution NOUN issue-2782 47 9 to to ADP issue-2782 47 10 the the DET issue-2782 47 11 problem problem NOUN issue-2782 47 12 of of ADP issue-2782 47 13 the the DET issue-2782 47 14 optimal optimal ADJ issue-2782 47 15 insurance insurance NOUN issue-2782 47 16 plan plan NOUN issue-2782 47 17 in in ADP issue-2782 47 18 markets market NOUN issue-2782 47 19 characterised characterise VERB issue-2782 47 20 by by ADP issue-2782 47 21 incomplete incomplete ADJ issue-2782 47 22 information information NOUN issue-2782 47 23 , , PUNCT issue-2782 47 24 and and CCONJ issue-2782 47 25 conducted conduct VERB issue-2782 47 26 a a DET issue-2782 47 27 detailed detailed ADJ issue-2782 47 28 analysis analysis NOUN issue-2782 47 29 of of ADP issue-2782 47 30 insurance insurance NOUN issue-2782 47 31 policies policy NOUN issue-2782 47 32 in in ADP issue-2782 47 33 both both DET issue-2782 47 34 cases case NOUN issue-2782 47 35 . . PUNCT issue-2782 48 1 prokopchuk prokopchuk PROPN issue-2782 48 2 et et PROPN issue-2782 48 3 al al PROPN issue-2782 48 4 . . PROPN issue-2782 49 1 ( ( PUNCT issue-2782 49 2 2022 2022 NUM issue-2782 49 3 ) ) PUNCT issue-2782 49 4 conducted conduct VERB issue-2782 49 5 a a DET issue-2782 49 6 study study NOUN issue-2782 49 7 of of ADP issue-2782 49 8 the the DET issue-2782 49 9 general general ADJ issue-2782 49 10 trends trend NOUN issue-2782 49 11 of of ADP issue-2782 49 12 the the DET issue-2782 49 13 functioning functioning NOUN issue-2782 49 14 of of ADP issue-2782 49 15 the the DET issue-2782 49 16 ukrainian ukrainian ADJ issue-2782 49 17 insurance insurance NOUN issue-2782 49 18 services service NOUN issue-2782 49 19 market market NOUN issue-2782 49 20 in in ADP issue-2782 49 21 relation relation NOUN issue-2782 49 22 to to ADP issue-2782 49 23 its its PRON issue-2782 49 24 transformational transformational ADJ issue-2782 49 25 features feature NOUN issue-2782 49 26 , , PUNCT issue-2782 49 27 concluding conclude VERB issue-2782 49 28 that that SCONJ issue-2782 49 29 insurance insurance NOUN issue-2782 49 30 contracts contract NOUN issue-2782 49 31 , , PUNCT issue-2782 49 32 market market NOUN issue-2782 49 33 concentration concentration NOUN issue-2782 49 34 , , PUNCT issue-2782 49 35 and and CCONJ issue-2782 49 36 the the DET issue-2782 49 37 level level NOUN issue-2782 49 38 of of ADP issue-2782 49 39 insurance insurance NOUN issue-2782 49 40 penetration penetration NOUN issue-2782 49 41 are be AUX issue-2782 49 42 of of ADP issue-2782 49 43 particular particular ADJ issue-2782 49 44 significance significance NOUN issue-2782 49 45 . . PUNCT issue-2782 50 1 the the DET issue-2782 50 2 authors author NOUN issue-2782 50 3 ( ( PUNCT issue-2782 50 4 pugnetti pugnetti NOUN issue-2782 50 5 et et PROPN issue-2782 50 6 al al PROPN issue-2782 50 7 . . PROPN issue-2782 50 8 , , PUNCT issue-2782 50 9 2021 2021 NUM issue-2782 50 10 ) ) PUNCT issue-2782 50 11 demonstrate demonstrate VERB issue-2782 50 12 that that SCONJ issue-2782 50 13 customers customer NOUN issue-2782 50 14 have have VERB issue-2782 50 15 high high ADJ issue-2782 50 16 levels level NOUN issue-2782 50 17 of of ADP issue-2782 50 18 trust trust NOUN issue-2782 50 19 in in ADP issue-2782 50 20 insurance insurance NOUN issue-2782 50 21 companies company NOUN issue-2782 50 22 and and CCONJ issue-2782 50 23 are be AUX issue-2782 50 24 open open ADJ issue-2782 50 25 to to ADP issue-2782 50 26 purchasing purchase VERB issue-2782 50 27 additional additional ADJ issue-2782 50 28 services service NOUN issue-2782 50 29 , , PUNCT issue-2782 50 30 in in ADP issue-2782 50 31 particular particular ADJ issue-2782 50 32 for for ADP issue-2782 50 33 prevention prevention NOUN issue-2782 50 34 and and CCONJ issue-2782 50 35 assistance assistance NOUN issue-2782 50 36 . . PUNCT issue-2782 51 1 baltic baltic PROPN issue-2782 51 2 journal journal PROPN issue-2782 51 3 of of ADP issue-2782 51 4 economic economic ADJ issue-2782 51 5 studies study NOUN issue-2782 51 6 331 331 NUM issue-2782 51 7 vol vol NOUN issue-2782 51 8 . . PUNCT issue-2782 51 9 11 11 NUM issue-2782 51 10 no no NOUN issue-2782 51 11 . . NOUN issue-2782 51 12 1 1 NUM issue-2782 51 13 , , PUNCT issue-2782 51 14 2025 2025 NUM issue-2782 51 15 however however ADV issue-2782 51 16 , , PUNCT issue-2782 51 17 analysis analysis NOUN issue-2782 51 18 results result NOUN issue-2782 51 19 demonstrate demonstrate VERB issue-2782 51 20 that that SCONJ issue-2782 51 21 insurance insurance NOUN issue-2782 51 22 companies company NOUN issue-2782 51 23 are be AUX issue-2782 51 24 currently currently ADV issue-2782 51 25 focusing focus VERB issue-2782 51 26 on on ADP issue-2782 51 27 cost cost NOUN issue-2782 51 28 reduction reduction NOUN issue-2782 51 29 measures measure NOUN issue-2782 51 30 . . PUNCT issue-2782 52 1 the the DET issue-2782 52 2 objective objective NOUN issue-2782 52 3 of of ADP issue-2782 52 4 the the DET issue-2782 52 5 present present ADJ issue-2782 52 6 article article NOUN issue-2782 52 7 ( ( PUNCT issue-2782 52 8 melnychuk melnychuk VERB issue-2782 52 9 et et PROPN issue-2782 52 10 al al PROPN issue-2782 52 11 . . PROPN issue-2782 52 12 , , PUNCT issue-2782 52 13 2019 2019 NUM issue-2782 52 14 ) ) PUNCT issue-2782 52 15 is be AUX issue-2782 52 16 to to PART issue-2782 52 17 analyse analyse VERB issue-2782 52 18 the the DET issue-2782 52 19 factors factor NOUN issue-2782 52 20 that that PRON issue-2782 52 21 affect affect VERB issue-2782 52 22 the the DET issue-2782 52 23 activity activity NOUN issue-2782 52 24 of of ADP issue-2782 52 25 insurance insurance NOUN issue-2782 52 26 companies company NOUN issue-2782 52 27 on on ADP issue-2782 52 28 the the DET issue-2782 52 29 insurance insurance NOUN issue-2782 52 30 services service NOUN issue-2782 52 31 market market NOUN issue-2782 52 32 in in ADP issue-2782 52 33 the the DET issue-2782 52 34 field field NOUN issue-2782 52 35 of of ADP issue-2782 52 36 life life NOUN issue-2782 52 37 insurance insurance NOUN issue-2782 52 38 . . PUNCT issue-2782 53 1 the the DET issue-2782 53 2 authors author NOUN issue-2782 53 3 of of ADP issue-2782 53 4 the the DET issue-2782 53 5 article article NOUN issue-2782 53 6 have have AUX issue-2782 53 7 identified identify VERB issue-2782 53 8 the the DET issue-2782 53 9 factors factor NOUN issue-2782 53 10 that that PRON issue-2782 53 11 influence influence VERB issue-2782 53 12 the the DET issue-2782 53 13 development development NOUN issue-2782 53 14 of of ADP issue-2782 53 15 life life NOUN issue-2782 53 16 insurance insurance NOUN issue-2782 53 17 on on ADP issue-2782 53 18 the the DET issue-2782 53 19 insurance insurance NOUN issue-2782 53 20 market market NOUN issue-2782 53 21 . . PUNCT issue-2782 54 1 conversely conversely ADV issue-2782 54 2 , , PUNCT issue-2782 54 3 the the DET issue-2782 54 4 research research NOUN issue-2782 54 5 by by ADP issue-2782 54 6 mirko mirko PROPN issue-2782 54 7 kraft kraft PROPN issue-2782 54 8 et et PROPN issue-2782 54 9 al al PROPN issue-2782 54 10 . . PROPN issue-2782 54 11 ( ( PUNCT issue-2782 54 12 2023 2023 NUM issue-2782 54 13 ) ) PUNCT issue-2782 54 14 focuses focus VERB issue-2782 54 15 on on ADP issue-2782 54 16 the the DET issue-2782 54 17 digitalisation digitalisation NOUN issue-2782 54 18 of of ADP issue-2782 54 19 management management NOUN issue-2782 54 20 accounting accounting NOUN issue-2782 54 21 and and CCONJ issue-2782 54 22 controlling control VERB issue-2782 54 23 in in ADP issue-2782 54 24 insurance insurance NOUN issue-2782 54 25 companies company NOUN issue-2782 54 26 , , PUNCT issue-2782 54 27 with with ADP issue-2782 54 28 a a DET issue-2782 54 29 particular particular ADJ issue-2782 54 30 emphasis emphasis NOUN issue-2782 54 31 on on ADP issue-2782 54 32 the the DET issue-2782 54 33 influence influence NOUN issue-2782 54 34 of of ADP issue-2782 54 35 big big ADJ issue-2782 54 36 data datum NOUN issue-2782 54 37 , , PUNCT issue-2782 54 38 artificial artificial ADJ issue-2782 54 39 intelligence intelligence NOUN issue-2782 54 40 , , PUNCT issue-2782 54 41 and and CCONJ issue-2782 54 42 blockchain blockchain PROPN issue-2782 54 43 technologies technologies PROPN issue-2782 54 44 . . PUNCT issue-2782 55 1 the the DET issue-2782 55 2 present present ADJ issue-2782 55 3 article article NOUN issue-2782 55 4 ( ( PUNCT issue-2782 55 5 abdusalomova abdusalomova PROPN issue-2782 55 6 et et PROPN issue-2782 55 7 al al PROPN issue-2782 55 8 . . PROPN issue-2782 55 9 , , PUNCT issue-2782 55 10 2022 2022 NUM issue-2782 55 11 ) ) PUNCT issue-2782 55 12 is be AUX issue-2782 55 13 devoted devote VERB issue-2782 55 14 to to ADP issue-2782 55 15 an an DET issue-2782 55 16 examination examination NOUN issue-2782 55 17 of of ADP issue-2782 55 18 the the DET issue-2782 55 19 ways way NOUN issue-2782 55 20 in in ADP issue-2782 55 21 which which PRON issue-2782 55 22 advanced advance VERB issue-2782 55 23 digital digital ADJ issue-2782 55 24 technologies technology NOUN issue-2782 55 25 can can AUX issue-2782 55 26 be be AUX issue-2782 55 27 applied apply VERB issue-2782 55 28 in in ADP issue-2782 55 29 the the DET issue-2782 55 30 activities activity NOUN issue-2782 55 31 of of ADP issue-2782 55 32 insurance insurance NOUN issue-2782 55 33 companies company NOUN issue-2782 55 34 . . PUNCT issue-2782 56 1 the the DET issue-2782 56 2 authors author NOUN issue-2782 56 3 analyse analyse VERB issue-2782 56 4 the the DET issue-2782 56 5 benefits benefit NOUN issue-2782 56 6 of of ADP issue-2782 56 7 insurance insurance NOUN issue-2782 56 8 companies company NOUN issue-2782 56 9 using use VERB issue-2782 56 10 ict ict PROPN issue-2782 56 11 to to PART issue-2782 56 12 improve improve VERB issue-2782 56 13 their their PRON issue-2782 56 14 activities activity NOUN issue-2782 56 15 . . PUNCT issue-2782 57 1 novović novović NOUN issue-2782 57 2 - - PUNCT issue-2782 57 3 burić burić PROPN issue-2782 57 4 et et PROPN issue-2782 57 5 al al PROPN issue-2782 57 6 . . PROPN issue-2782 58 1 ( ( PUNCT issue-2782 58 2 2022 2022 NUM issue-2782 58 3 ) ) PUNCT issue-2782 58 4 , , PUNCT issue-2782 58 5 grigoras grigora NOUN issue-2782 58 6 - - ADJ issue-2782 58 7 ichim ichim PROPN issue-2782 58 8 et et PROPN issue-2782 58 9 al al PROPN issue-2782 58 10 . . PROPN issue-2782 59 1 ( ( PUNCT issue-2782 59 2 2018 2018 NUM issue-2782 59 3 ) ) PUNCT issue-2782 59 4 prove prove VERB issue-2782 59 5 that that SCONJ issue-2782 59 6 modern modern ADJ issue-2782 59 7 trends trend NOUN issue-2782 59 8 in in ADP issue-2782 59 9 the the DET issue-2782 59 10 world world NOUN issue-2782 59 11 market market NOUN issue-2782 59 12 lead lead NOUN issue-2782 59 13 to to ADP issue-2782 59 14 the the DET issue-2782 59 15 need need NOUN issue-2782 59 16 for for SCONJ issue-2782 59 17 insurance insurance NOUN issue-2782 59 18 companies company NOUN issue-2782 59 19 to to PART issue-2782 59 20 have have AUX issue-2782 59 21 effective effective ADJ issue-2782 59 22 it it PRON issue-2782 59 23 solutions solution NOUN issue-2782 59 24 in in ADP issue-2782 59 25 order order NOUN issue-2782 59 26 to to PART issue-2782 59 27 deepen deepen VERB issue-2782 59 28 the the DET issue-2782 59 29 customer customer NOUN issue-2782 59 30 base base NOUN issue-2782 59 31 , , PUNCT issue-2782 59 32 improve improve VERB issue-2782 59 33 market market NOUN issue-2782 59 34 positions position NOUN issue-2782 59 35 and and CCONJ issue-2782 59 36 strengthen strengthen VERB issue-2782 59 37 financial financial ADJ issue-2782 59 38 indicators indicator NOUN issue-2782 59 39 . . PUNCT issue-2782 60 1 scientists scientist NOUN issue-2782 60 2 ( ( PUNCT issue-2782 60 3 das das PROPN issue-2782 60 4 arijit arijit PROPN issue-2782 60 5 et et PROPN issue-2782 60 6 al al PROPN issue-2782 60 7 . . PROPN issue-2782 60 8 , , PUNCT issue-2782 60 9 2021 2021 NUM issue-2782 60 10 ) ) PUNCT issue-2782 60 11 believe believe VERB issue-2782 60 12 that that SCONJ issue-2782 60 13 the the DET issue-2782 60 14 purchase purchase NOUN issue-2782 60 15 of of ADP issue-2782 60 16 health health NOUN issue-2782 60 17 insurance insurance NOUN issue-2782 60 18 is be AUX issue-2782 60 19 important important ADJ issue-2782 60 20 because because SCONJ issue-2782 60 21 medical medical ADJ issue-2782 60 22 expenses expense NOUN issue-2782 60 23 required require VERB issue-2782 60 24 for for ADP issue-2782 60 25 treatment treatment NOUN issue-2782 60 26 are be AUX issue-2782 60 27 very very ADV issue-2782 60 28 expensive expensive ADJ issue-2782 60 29 today today NOUN issue-2782 60 30 . . PUNCT issue-2782 61 1 the the DET issue-2782 61 2 authors author NOUN issue-2782 61 3 suggest suggest AUX issue-2782 61 4 creating create VERB issue-2782 61 5 a a DET issue-2782 61 6 website website NOUN issue-2782 61 7 that that PRON issue-2782 61 8 will will AUX issue-2782 61 9 help help VERB issue-2782 61 10 people people NOUN issue-2782 61 11 reduce reduce VERB issue-2782 61 12 the the DET issue-2782 61 13 amount amount NOUN issue-2782 61 14 of of ADP issue-2782 61 15 paperwork paperwork NOUN issue-2782 61 16 to to PART issue-2782 61 17 avoid avoid VERB issue-2782 61 18 data datum NOUN issue-2782 61 19 inconsistencies inconsistency NOUN issue-2782 61 20 and and CCONJ issue-2782 61 21 fraud fraud NOUN issue-2782 61 22 to to PART issue-2782 61 23 get get VERB issue-2782 61 24 wrong wrong ADJ issue-2782 61 25 results result NOUN issue-2782 61 26 . . PUNCT issue-2782 62 1 as as SCONJ issue-2782 62 2 posited posit VERB issue-2782 62 3 by by ADP issue-2782 62 4 eckert eckert PROPN issue-2782 62 5 et et PROPN issue-2782 62 6 al al PROPN issue-2782 62 7 . . PROPN issue-2782 62 8 ( ( PUNCT issue-2782 62 9 2020 2020 NUM issue-2782 62 10 ) ) PUNCT issue-2782 62 11 , , PUNCT issue-2782 62 12 digital digital ADJ issue-2782 62 13 transformation transformation NOUN issue-2782 62 14 is be AUX issue-2782 62 15 becoming become VERB issue-2782 62 16 increasingly increasingly ADV issue-2782 62 17 significant significant ADJ issue-2782 62 18 for for ADP issue-2782 62 19 the the DET issue-2782 62 20 business business NOUN issue-2782 62 21 models model NOUN issue-2782 62 22 of of ADP issue-2782 62 23 insurance insurance NOUN issue-2782 62 24 companies company NOUN issue-2782 62 25 . . PUNCT issue-2782 63 1 a a DET issue-2782 63 2 comprehensive comprehensive ADJ issue-2782 63 3 review review NOUN issue-2782 63 4 of of ADP issue-2782 63 5 digital digital ADJ issue-2782 63 6 technologies technology NOUN issue-2782 63 7 and and CCONJ issue-2782 63 8 their their PRON issue-2782 63 9 applications application NOUN issue-2782 63 10 in in ADP issue-2782 63 11 the the DET issue-2782 63 12 insurance insurance NOUN issue-2782 63 13 industry industry NOUN issue-2782 63 14 has have AUX issue-2782 63 15 been be AUX issue-2782 63 16 conducted conduct VERB issue-2782 63 17 by by ADP issue-2782 63 18 scientists scientist NOUN issue-2782 63 19 . . PUNCT issue-2782 64 1 an an DET issue-2782 64 2 additional additional ADJ issue-2782 64 3 article article NOUN issue-2782 64 4 ( ( PUNCT issue-2782 64 5 strønen strønen NOUN issue-2782 64 6 , , PUNCT issue-2782 64 7 2020 2020 NUM issue-2782 64 8 ) ) PUNCT issue-2782 64 9 has have AUX issue-2782 64 10 analysed analyse VERB issue-2782 64 11 the the DET issue-2782 64 12 driving drive VERB issue-2782 64 13 forces force NOUN issue-2782 64 14 of of ADP issue-2782 64 15 digital digital ADJ issue-2782 64 16 transformation transformation NOUN issue-2782 64 17 opportunities opportunity NOUN issue-2782 64 18 among among ADP issue-2782 64 19 norway norway PROPN issue-2782 64 20 's 's PART issue-2782 64 21 largest large ADJ issue-2782 64 22 banks bank NOUN issue-2782 64 23 and and CCONJ issue-2782 64 24 insurance insurance NOUN issue-2782 64 25 companies company NOUN issue-2782 64 26 . . PUNCT issue-2782 65 1 the the DET issue-2782 65 2 study study NOUN issue-2782 65 3 by by ADP issue-2782 65 4 šatrevičs šatrevičs NOUN issue-2782 65 5 et et PROPN issue-2782 65 6 al al PROPN issue-2782 65 7 . . PROPN issue-2782 65 8 ( ( PUNCT issue-2782 65 9 2019 2019 NUM issue-2782 65 10 ) ) PUNCT issue-2782 65 11 focuses focus VERB issue-2782 65 12 on on ADP issue-2782 65 13 the the DET issue-2782 65 14 analysis analysis NOUN issue-2782 65 15 of of ADP issue-2782 65 16 the the DET issue-2782 65 17 digitalisation digitalisation NOUN issue-2782 65 18 impact impact NOUN issue-2782 65 19 on on ADP issue-2782 65 20 customers customer NOUN issue-2782 65 21 ' ' PART issue-2782 65 22 preferences preference NOUN issue-2782 65 23 and and CCONJ issue-2782 65 24 the the DET issue-2782 65 25 development development NOUN issue-2782 65 26 of of ADP issue-2782 65 27 strategies strategy NOUN issue-2782 65 28 by by ADP issue-2782 65 29 latvian latvian ADJ issue-2782 65 30 insurance insurance NOUN issue-2782 65 31 companies company NOUN issue-2782 65 32 . . PUNCT issue-2782 66 1 the the DET issue-2782 66 2 authors author NOUN issue-2782 66 3 investigated investigate VERB issue-2782 66 4 the the DET issue-2782 66 5 development development NOUN issue-2782 66 6 of of ADP issue-2782 66 7 strategies strategy NOUN issue-2782 66 8 by by ADP issue-2782 66 9 insurance insurance NOUN issue-2782 66 10 companies company NOUN issue-2782 66 11 in in ADP issue-2782 66 12 the the DET issue-2782 66 13 digital digital ADJ issue-2782 66 14 transformation transformation NOUN issue-2782 66 15 era era NOUN issue-2782 66 16 , , PUNCT issue-2782 66 17 with with ADP issue-2782 66 18 a a DET issue-2782 66 19 focus focus NOUN issue-2782 66 20 on on ADP issue-2782 66 21 the the DET issue-2782 66 22 changing change VERB issue-2782 66 23 values value NOUN issue-2782 66 24 of of ADP issue-2782 66 25 customers customer NOUN issue-2782 66 26 , , PUNCT issue-2782 66 27 employees employee NOUN issue-2782 66 28 and and CCONJ issue-2782 66 29 owners owner NOUN issue-2782 66 30 of of ADP issue-2782 66 31 insurance insurance NOUN issue-2782 66 32 companies company NOUN issue-2782 66 33 . . PUNCT issue-2782 67 1 the the DET issue-2782 67 2 findings finding NOUN issue-2782 67 3 of of ADP issue-2782 67 4 the the DET issue-2782 67 5 study study NOUN issue-2782 67 6 ( ( PUNCT issue-2782 67 7 acosta acosta PROPN issue-2782 67 8 - - PUNCT issue-2782 67 9 prado prado PROPN issue-2782 67 10 et et PROPN issue-2782 67 11 al al PROPN issue-2782 67 12 . . PROPN issue-2782 67 13 , , PUNCT issue-2782 67 14 2024 2024 NUM issue-2782 67 15 ) ) PUNCT issue-2782 67 16 demonstrate demonstrate VERB issue-2782 67 17 that that SCONJ issue-2782 67 18 the the DET issue-2782 67 19 implementation implementation NOUN issue-2782 67 20 of of ADP issue-2782 67 21 artificial artificial ADJ issue-2782 67 22 intelligence intelligence NOUN issue-2782 67 23 ( ( PUNCT issue-2782 67 24 ai ai NOUN issue-2782 67 25 ) ) PUNCT issue-2782 67 26 in in ADP issue-2782 67 27 insurance insurance NOUN issue-2782 67 28 companies company NOUN issue-2782 67 29 enables enable VERB issue-2782 67 30 the the DET issue-2782 67 31 transformation transformation NOUN issue-2782 67 32 of of ADP issue-2782 67 33 their their PRON issue-2782 67 34 personal personal ADJ issue-2782 67 35 and and CCONJ issue-2782 67 36 data datum NOUN issue-2782 67 37 - - PUNCT issue-2782 67 38 intensive intensive ADJ issue-2782 67 39 processes process NOUN issue-2782 67 40 into into ADP issue-2782 67 41 engines engine NOUN issue-2782 67 42 of of ADP issue-2782 67 43 efficiency efficiency NOUN issue-2782 67 44 and and CCONJ issue-2782 67 45 knowledge knowledge NOUN issue-2782 67 46 , , PUNCT issue-2782 67 47 thereby thereby ADV issue-2782 67 48 redefining redefine VERB issue-2782 67 49 the the DET issue-2782 67 50 manner manner NOUN issue-2782 67 51 in in ADP issue-2782 67 52 which which PRON issue-2782 67 53 companies company NOUN issue-2782 67 54 in in ADP issue-2782 67 55 the the DET issue-2782 67 56 sector sector NOUN issue-2782 67 57 offer offer VERB issue-2782 67 58 their their PRON issue-2782 67 59 services service NOUN issue-2782 67 60 . . PUNCT issue-2782 68 1 the the DET issue-2782 68 2 scientific scientific ADJ issue-2782 68 3 community community NOUN issue-2782 68 4 has have AUX issue-2782 68 5 demonstrated demonstrate VERB issue-2782 68 6 the the DET issue-2782 68 7 immediate immediate ADJ issue-2782 68 8 benefits benefit NOUN issue-2782 68 9 of of ADP issue-2782 68 10 ai ai VERB issue-2782 68 11 in in ADP issue-2782 68 12 the the DET issue-2782 68 13 insurance insurance NOUN issue-2782 68 14 sector sector NOUN issue-2782 68 15 . . PUNCT issue-2782 69 1 a a DET issue-2782 69 2 scientific scientific ADJ issue-2782 69 3 paper paper NOUN issue-2782 69 4 ( ( PUNCT issue-2782 69 5 yahya yahya PROPN issue-2782 69 6 et et PROPN issue-2782 69 7 al al PROPN issue-2782 69 8 . . PROPN issue-2782 69 9 , , PUNCT issue-2782 69 10 2024 2024 NUM issue-2782 69 11 ) ) PUNCT issue-2782 69 12 has have VERB issue-2782 69 13 practical practical ADJ issue-2782 69 14 implications implication NOUN issue-2782 69 15 , , PUNCT issue-2782 69 16 studying study VERB issue-2782 69 17 the the DET issue-2782 69 18 characteristics characteristic NOUN issue-2782 69 19 of of ADP issue-2782 69 20 using use VERB issue-2782 69 21 artificial artificial ADJ issue-2782 69 22 intelligence intelligence NOUN issue-2782 69 23 systems system NOUN issue-2782 69 24 for for ADP issue-2782 69 25 big big ADJ issue-2782 69 26 data datum NOUN issue-2782 69 27 analysis analysis NOUN issue-2782 69 28 about about ADP issue-2782 69 29 insurance insurance NOUN issue-2782 69 30 company company NOUN issue-2782 69 31 customers customer NOUN issue-2782 69 32 to to PART issue-2782 69 33 provide provide VERB issue-2782 69 34 personalised personalised ADJ issue-2782 69 35 experiences experience NOUN issue-2782 69 36 and and CCONJ issue-2782 69 37 improve improve VERB issue-2782 69 38 customer customer NOUN issue-2782 69 39 interactions interaction NOUN issue-2782 69 40 . . PUNCT issue-2782 70 1 tavares tavare NOUN issue-2782 70 2 edval edval PROPN issue-2782 70 3 da da PROPN issue-2782 70 4 silva silva PROPN issue-2782 70 5 et et PROPN issue-2782 70 6 al al PROPN issue-2782 70 7 . . PROPN issue-2782 71 1 ( ( PUNCT issue-2782 71 2 2024 2024 NUM issue-2782 71 3 ) ) PUNCT issue-2782 71 4 analyse analyse VERB issue-2782 71 5 the the DET issue-2782 71 6 barriers barrier NOUN issue-2782 71 7 that that PRON issue-2782 71 8 prevent prevent VERB issue-2782 71 9 the the DET issue-2782 71 10 application application NOUN issue-2782 71 11 of of ADP issue-2782 71 12 artificial artificial ADJ issue-2782 71 13 intelligence intelligence NOUN issue-2782 71 14 ( ( PUNCT issue-2782 71 15 ai ai NOUN issue-2782 71 16 ) ) PUNCT issue-2782 71 17 and and CCONJ issue-2782 71 18 affect affect VERB issue-2782 71 19 its its PRON issue-2782 71 20 use use NOUN issue-2782 71 21 in in ADP issue-2782 71 22 the the DET issue-2782 71 23 insurance insurance NOUN issue-2782 71 24 company company NOUN issue-2782 71 25 . . PUNCT issue-2782 72 1 based base VERB issue-2782 72 2 on on ADP issue-2782 72 3 the the DET issue-2782 72 4 barriers barrier NOUN issue-2782 72 5 presented present VERB issue-2782 72 6 by by ADP issue-2782 72 7 the the DET issue-2782 72 8 case case NOUN issue-2782 72 9 and and CCONJ issue-2782 72 10 the the DET issue-2782 72 11 ai ai PROPN issue-2782 72 12 initiatives initiative NOUN issue-2782 72 13 , , PUNCT issue-2782 72 14 the the DET issue-2782 72 15 authors author NOUN issue-2782 72 16 explore explore VERB issue-2782 72 17 that that SCONJ issue-2782 72 18 the the DET issue-2782 72 19 company company NOUN issue-2782 72 20 under under ADP issue-2782 72 21 study study NOUN issue-2782 72 22 uses use VERB issue-2782 72 23 ai ai VERB issue-2782 72 24 for for ADP issue-2782 72 25 automation automation NOUN issue-2782 72 26 and and CCONJ issue-2782 72 27 execution execution NOUN issue-2782 72 28 , , PUNCT issue-2782 72 29 rather rather ADV issue-2782 72 30 than than ADP issue-2782 72 31 using use VERB issue-2782 72 32 its its PRON issue-2782 72 33 transformative transformative ADJ issue-2782 72 34 potential potential NOUN issue-2782 72 35 to to PART issue-2782 72 36 be be AUX issue-2782 72 37 an an DET issue-2782 72 38 agent agent NOUN issue-2782 72 39 of of ADP issue-2782 72 40 organisational organisational ADJ issue-2782 72 41 change change NOUN issue-2782 72 42 . . PUNCT issue-2782 73 1 a a DET issue-2782 73 2 noteworthy noteworthy ADJ issue-2782 73 3 study study NOUN issue-2782 73 4 ( ( PUNCT issue-2782 73 5 resch resch PROPN issue-2782 73 6 et et PROPN issue-2782 73 7 al al PROPN issue-2782 73 8 . . PROPN issue-2782 73 9 , , PUNCT issue-2782 73 10 2021 2021 NUM issue-2782 73 11 ) ) PUNCT issue-2782 73 12 examines examine VERB issue-2782 73 13 the the DET issue-2782 73 14 impact impact NOUN issue-2782 73 15 of of ADP issue-2782 73 16 artificial artificial ADJ issue-2782 73 17 intelligence intelligence NOUN issue-2782 73 18 ( ( PUNCT issue-2782 73 19 ai ai NOUN issue-2782 73 20 ) ) PUNCT issue-2782 73 21 on on ADP issue-2782 73 22 leadership leadership NOUN issue-2782 73 23 in in ADP issue-2782 73 24 international international ADJ issue-2782 73 25 insurance insurance NOUN issue-2782 73 26 companies company NOUN issue-2782 73 27 . . PUNCT issue-2782 74 1 the the DET issue-2782 74 2 research research NOUN issue-2782 74 3 demonstrates demonstrate VERB issue-2782 74 4 that that SCONJ issue-2782 74 5 the the DET issue-2782 74 6 utilisation utilisation NOUN issue-2782 74 7 of of ADP issue-2782 74 8 artificial artificial ADJ issue-2782 74 9 intelligence intelligence NOUN issue-2782 74 10 and and CCONJ issue-2782 74 11 its its PRON issue-2782 74 12 implications implication NOUN issue-2782 74 13 for for ADP issue-2782 74 14 leadership leadership NOUN issue-2782 74 15 are be AUX issue-2782 74 16 closely closely ADV issue-2782 74 17 related relate VERB issue-2782 74 18 to to ADP issue-2782 74 19 the the DET issue-2782 74 20 underlying underlie VERB issue-2782 74 21 structures structure NOUN issue-2782 74 22 of of ADP issue-2782 74 23 the the DET issue-2782 74 24 industry industry NOUN issue-2782 74 25 . . PUNCT issue-2782 75 1 a a DET issue-2782 75 2 positive positive ADJ issue-2782 75 3 evaluation evaluation NOUN issue-2782 75 4 of of ADP issue-2782 75 5 extant extant ADJ issue-2782 75 6 research research NOUN issue-2782 75 7 should should AUX issue-2782 75 8 acknowledge acknowledge VERB issue-2782 75 9 their their PRON issue-2782 75 10 importance importance NOUN issue-2782 75 11 and and CCONJ issue-2782 75 12 relevance relevance NOUN issue-2782 75 13 . . PUNCT issue-2782 76 1 however however ADV issue-2782 76 2 , , PUNCT issue-2782 76 3 it it PRON issue-2782 76 4 is be AUX issue-2782 76 5 important important ADJ issue-2782 76 6 to to PART issue-2782 76 7 note note VERB issue-2782 76 8 that that SCONJ issue-2782 76 9 further further ADJ issue-2782 76 10 research research NOUN issue-2782 76 11 and and CCONJ issue-2782 76 12 thorough thorough ADJ issue-2782 76 13 analysis analysis NOUN issue-2782 76 14 are be AUX issue-2782 76 15 required require VERB issue-2782 76 16 on on ADP issue-2782 76 17 the the DET issue-2782 76 18 issue issue NOUN issue-2782 76 19 of of ADP issue-2782 76 20 the the DET issue-2782 76 21 role role NOUN issue-2782 76 22 of of ADP issue-2782 76 23 artificial artificial ADJ issue-2782 76 24 intelligence intelligence NOUN issue-2782 76 25 in in ADP issue-2782 76 26 the the DET issue-2782 76 27 development development NOUN issue-2782 76 28 of of ADP issue-2782 76 29 the the DET issue-2782 76 30 insurance insurance NOUN issue-2782 76 31 services service NOUN issue-2782 76 32 market market NOUN issue-2782 76 33 . . PUNCT issue-2782 77 1 3 3 X issue-2782 77 2 . . X issue-2782 77 3 the the DET issue-2782 77 4 insurance insurance NOUN issue-2782 77 5 services service NOUN issue-2782 77 6 market market NOUN issue-2782 77 7 , , PUNCT issue-2782 77 8 peculiarities peculiarity NOUN issue-2782 77 9 of of ADP issue-2782 77 10 its its PRON issue-2782 77 11 functioning functioning NOUN issue-2782 77 12 in in ADP issue-2782 77 13 the the DET issue-2782 77 14 modern modern ADJ issue-2782 77 15 digital digital ADJ issue-2782 77 16 economy economy NOUN issue-2782 77 17 the the DET issue-2782 77 18 insurance insurance NOUN issue-2782 77 19 services service NOUN issue-2782 77 20 market market NOUN issue-2782 77 21 is be AUX issue-2782 77 22 defined define VERB issue-2782 77 23 as as ADP issue-2782 77 24 the the DET issue-2782 77 25 sphere sphere NOUN issue-2782 77 26 in in ADP issue-2782 77 27 which which PRON issue-2782 77 28 financial financial ADJ issue-2782 77 29 relations relation NOUN issue-2782 77 30 are be AUX issue-2782 77 31 established establish VERB issue-2782 77 32 between between ADP issue-2782 77 33 insurance insurance NOUN issue-2782 77 34 companies company NOUN issue-2782 77 35 and and CCONJ issue-2782 77 36 their their PRON issue-2782 77 37 clients client NOUN issue-2782 77 38 , , PUNCT issue-2782 77 39 with with ADP issue-2782 77 40 the the DET issue-2782 77 41 purpose purpose NOUN issue-2782 77 42 of of ADP issue-2782 77 43 providing provide VERB issue-2782 77 44 insurance insurance NOUN issue-2782 77 45 protection protection NOUN issue-2782 77 46 to to ADP issue-2782 77 47 consumers consumer NOUN issue-2782 77 48 of of ADP issue-2782 77 49 such such ADJ issue-2782 77 50 services service NOUN issue-2782 77 51 . . PUNCT issue-2782 78 1 this this DET issue-2782 78 2 results result VERB issue-2782 78 3 in in ADP issue-2782 78 4 the the DET issue-2782 78 5 movement movement NOUN issue-2782 78 6 of of ADP issue-2782 78 7 funds fund NOUN issue-2782 78 8 and and CCONJ issue-2782 78 9 the the DET issue-2782 78 10 emergence emergence NOUN issue-2782 78 11 of of ADP issue-2782 78 12 obligations obligation NOUN issue-2782 78 13 to to PART issue-2782 78 14 provide provide VERB issue-2782 78 15 the the DET issue-2782 78 16 specified specified ADJ issue-2782 78 17 protection protection NOUN issue-2782 78 18 . . PUNCT issue-2782 79 1 the the DET issue-2782 79 2 insurance insurance NOUN issue-2782 79 3 market market NOUN issue-2782 79 4 is be AUX issue-2782 79 5 a a DET issue-2782 79 6 complex complex ADJ issue-2782 79 7 macroeconomic macroeconomic ADJ issue-2782 79 8 system system NOUN issue-2782 79 9 . . PUNCT issue-2782 80 1 it it PRON issue-2782 80 2 is be AUX issue-2782 80 3 characterised characterise VERB issue-2782 80 4 by by ADP issue-2782 80 5 the the DET issue-2782 80 6 presence presence NOUN issue-2782 80 7 of of ADP issue-2782 80 8 a a DET issue-2782 80 9 significant significant ADJ issue-2782 80 10 number number NOUN issue-2782 80 11 of of ADP issue-2782 80 12 insurance insurance NOUN issue-2782 80 13 companies company NOUN issue-2782 80 14 that that PRON issue-2782 80 15 operate operate VERB issue-2782 80 16 within within ADP issue-2782 80 17 it it PRON issue-2782 80 18 . . PUNCT issue-2782 81 1 these these DET issue-2782 81 2 companies company NOUN issue-2782 81 3 provide provide VERB issue-2782 81 4 voluntary voluntary ADJ issue-2782 81 5 and and CCONJ issue-2782 81 6 compulsory compulsory ADJ issue-2782 81 7 insurance insurance NOUN issue-2782 81 8 services service NOUN issue-2782 81 9 to to ADP issue-2782 81 10 various various ADJ issue-2782 81 11 categories category NOUN issue-2782 81 12 of of ADP issue-2782 81 13 clients client NOUN issue-2782 81 14 . . PUNCT issue-2782 82 1 in in ADP issue-2782 82 2 most most ADJ issue-2782 82 3 countries country NOUN issue-2782 82 4 worldwide worldwide ADV issue-2782 82 5 , , PUNCT issue-2782 82 6 the the DET issue-2782 82 7 activities activity NOUN issue-2782 82 8 of of ADP issue-2782 82 9 insurance insurance NOUN issue-2782 82 10 companies company NOUN issue-2782 82 11 are be AUX issue-2782 82 12 subject subject ADJ issue-2782 82 13 to to ADP issue-2782 82 14 rigorous rigorous ADJ issue-2782 82 15 regulation regulation NOUN issue-2782 82 16 , , PUNCT issue-2782 82 17 given give VERB issue-2782 82 18 their their PRON issue-2782 82 19 pivotal pivotal ADJ issue-2782 82 20 role role NOUN issue-2782 82 21 in in ADP issue-2782 82 22 ensuring ensure VERB issue-2782 82 23 the the DET issue-2782 82 24 stable stable ADJ issue-2782 82 25 functioning functioning NOUN issue-2782 82 26 of of ADP issue-2782 82 27 the the DET issue-2782 82 28 country country NOUN issue-2782 82 29 's 's PART issue-2782 82 30 financial financial ADJ issue-2782 82 31 system system NOUN issue-2782 82 32 , , PUNCT issue-2782 82 33 the the DET issue-2782 82 34 social social ADJ issue-2782 82 35 security security NOUN issue-2782 82 36 of of ADP issue-2782 82 37 its its PRON issue-2782 82 38 citizens citizen NOUN issue-2782 82 39 , , PUNCT issue-2782 82 40 and and CCONJ issue-2782 82 41 the the DET issue-2782 82 42 establishment establishment NOUN issue-2782 82 43 of of ADP issue-2782 82 44 systemic systemic ADJ issue-2782 82 45 trust trust NOUN issue-2782 82 46 among among ADP issue-2782 82 47 economic economic ADJ issue-2782 82 48 entities entity NOUN issue-2782 82 49 in in ADP issue-2782 82 50 financial financial ADJ issue-2782 82 51 institutions institution NOUN issue-2782 82 52 . . PUNCT issue-2782 83 1 the the DET issue-2782 83 2 model model NOUN issue-2782 83 3 of of ADP issue-2782 83 4 the the DET issue-2782 83 5 insurance insurance NOUN issue-2782 83 6 market market NOUN issue-2782 83 7 is be AUX issue-2782 83 8 presented present VERB issue-2782 83 9 in in ADP issue-2782 83 10 figure figure NOUN issue-2782 83 11 1 1 NUM issue-2782 83 12 . . PUNCT issue-2782 84 1 in in ADP issue-2782 84 2 contemporary contemporary ADJ issue-2782 84 3 conditions condition NOUN issue-2782 84 4 , , PUNCT issue-2782 84 5 the the DET issue-2782 84 6 insurance insurance NOUN issue-2782 84 7 market market NOUN issue-2782 84 8 is be AUX issue-2782 84 9 undergoing undergo VERB issue-2782 84 10 development development NOUN issue-2782 84 11 within within ADP issue-2782 84 12 the the DET issue-2782 84 13 digital digital ADJ issue-2782 84 14 economy economy NOUN issue-2782 84 15 , , PUNCT issue-2782 84 16 a a DET issue-2782 84 17 process process NOUN issue-2782 84 18 which which PRON issue-2782 84 19 is be AUX issue-2782 84 20 determined determine VERB issue-2782 84 21 by by ADP issue-2782 84 22 the the DET issue-2782 84 23 active active ADJ issue-2782 84 24 utilisation utilisation NOUN issue-2782 84 25 of of ADP issue-2782 84 26 digital digital ADJ issue-2782 84 27 technologies technology NOUN issue-2782 84 28 . . PUNCT issue-2782 85 1 insurance insurance NOUN issue-2782 85 2 companies company NOUN issue-2782 85 3 , , PUNCT issue-2782 85 4 like like ADP issue-2782 85 5 the the DET issue-2782 85 6 vast vast ADJ issue-2782 85 7 majority majority NOUN issue-2782 85 8 of of ADP issue-2782 85 9 financial financial ADJ issue-2782 85 10 institutions institution NOUN issue-2782 85 11 , , PUNCT issue-2782 85 12 play play VERB issue-2782 85 13 a a DET issue-2782 85 14 baltic baltic ADJ issue-2782 85 15 journal journal NOUN issue-2782 85 16 of of ADP issue-2782 85 17 economic economic ADJ issue-2782 85 18 studies study NOUN issue-2782 85 19 332 332 NUM issue-2782 85 20 vol vol NOUN issue-2782 85 21 . . PUNCT issue-2782 86 1 11 11 NUM issue-2782 87 1 no no NOUN issue-2782 87 2 . . NOUN issue-2782 87 3 1 1 NUM issue-2782 87 4 , , PUNCT issue-2782 87 5 2025 2025 NUM issue-2782 87 6 significant significant ADJ issue-2782 87 7 role role NOUN issue-2782 87 8 in in ADP issue-2782 87 9 the the DET issue-2782 87 10 development development NOUN issue-2782 87 11 of of ADP issue-2782 87 12 these these DET issue-2782 87 13 technologies technology NOUN issue-2782 87 14 , , PUNCT issue-2782 87 15 which which PRON issue-2782 87 16 contributes contribute VERB issue-2782 87 17 to to ADP issue-2782 87 18 the the DET issue-2782 87 19 digital digital ADJ issue-2782 87 20 transformation transformation NOUN issue-2782 87 21 of of ADP issue-2782 87 22 both both CCONJ issue-2782 87 23 the the DET issue-2782 87 24 insurance insurance NOUN issue-2782 87 25 market market NOUN issue-2782 87 26 and and CCONJ issue-2782 87 27 the the DET issue-2782 87 28 financial financial ADJ issue-2782 87 29 system system NOUN issue-2782 87 30 of of ADP issue-2782 87 31 the the DET issue-2782 87 32 state state NOUN issue-2782 87 33 . . PUNCT issue-2782 88 1 thus thus ADV issue-2782 88 2 , , PUNCT issue-2782 88 3 it it PRON issue-2782 88 4 can can AUX issue-2782 88 5 be be AUX issue-2782 88 6 said say VERB issue-2782 88 7 that that SCONJ issue-2782 88 8 the the DET issue-2782 88 9 digitalisation digitalisation NOUN issue-2782 88 10 of of ADP issue-2782 88 11 the the DET issue-2782 88 12 insurance insurance NOUN issue-2782 88 13 market market NOUN issue-2782 88 14 has have AUX issue-2782 88 15 accelerated accelerate VERB issue-2782 88 16 significantly significantly ADV issue-2782 88 17 in in ADP issue-2782 88 18 recent recent ADJ issue-2782 88 19 years year NOUN issue-2782 88 20 , , PUNCT issue-2782 88 21 facilitated facilitate VERB issue-2782 88 22 by by ADP issue-2782 88 23 the the DET issue-2782 88 24 active active ADJ issue-2782 88 25 participation participation NOUN issue-2782 88 26 of of ADP issue-2782 88 27 an an DET issue-2782 88 28 increasing increase VERB issue-2782 88 29 number number NOUN issue-2782 88 30 of of ADP issue-2782 88 31 insurers insurer NOUN issue-2782 88 32 in in ADP issue-2782 88 33 their their PRON issue-2782 88 34 own own ADJ issue-2782 88 35 digital digital ADJ issue-2782 88 36 transformation transformation NOUN issue-2782 88 37 , , PUNCT issue-2782 88 38 which which PRON issue-2782 88 39 is be AUX issue-2782 88 40 changing change VERB issue-2782 88 41 customers customer NOUN issue-2782 88 42 ' ' PART issue-2782 88 43 approaches approach NOUN issue-2782 88 44 to to ADP issue-2782 88 45 receiving receive VERB issue-2782 88 46 financial financial ADJ issue-2782 88 47 services service NOUN issue-2782 88 48 . . PUNCT issue-2782 89 1 thus thus ADV issue-2782 89 2 , , PUNCT issue-2782 89 3 over over ADP issue-2782 89 4 the the DET issue-2782 89 5 presented present VERB issue-2782 89 6 period period NOUN issue-2782 89 7 , , PUNCT issue-2782 89 8 the the DET issue-2782 89 9 indicator indicator NOUN issue-2782 89 10 value value NOUN issue-2782 89 11 is be AUX issue-2782 89 12 stable stable ADJ issue-2782 89 13 , , PUNCT issue-2782 89 14 especially especially ADV issue-2782 89 15 for for ADP issue-2782 89 16 developing develop VERB issue-2782 89 17 markets market NOUN issue-2782 89 18 . . PUNCT issue-2782 90 1 today today NOUN issue-2782 90 2 , , PUNCT issue-2782 90 3 it it PRON issue-2782 90 4 is be AUX issue-2782 90 5 quite quite ADV issue-2782 90 6 clear clear ADJ issue-2782 90 7 that that SCONJ issue-2782 90 8 digitalisation digitalisation NOUN issue-2782 90 9 is be AUX issue-2782 90 10 objective objective ADJ issue-2782 90 11 for for ADP issue-2782 90 12 financial financial ADJ issue-2782 90 13 institutions institution NOUN issue-2782 90 14 , , PUNCT issue-2782 90 15 and and CCONJ issue-2782 90 16 they they PRON issue-2782 90 17 are be AUX issue-2782 90 18 actually actually ADV issue-2782 90 19 forced force VERB issue-2782 90 20 to to PART issue-2782 90 21 join join VERB issue-2782 90 22 it it PRON issue-2782 90 23 in in ADP issue-2782 90 24 order order NOUN issue-2782 90 25 to to PART issue-2782 90 26 maintain maintain VERB issue-2782 90 27 their their PRON issue-2782 90 28 own own ADJ issue-2782 90 29 competitiveness competitiveness NOUN issue-2782 90 30 . . PUNCT issue-2782 91 1 figure figure NOUN issue-2782 91 2 2 2 NUM issue-2782 91 3 presents present NOUN issue-2782 91 4 information information NOUN issue-2782 91 5 on on ADP issue-2782 91 6 the the DET issue-2782 91 7 peculiar peculiar ADJ issue-2782 91 8 functioning functioning NOUN issue-2782 91 9 of of ADP issue-2782 91 10 the the DET issue-2782 91 11 insurance insurance NOUN issue-2782 91 12 services service NOUN issue-2782 91 13 market market NOUN issue-2782 91 14 in in ADP issue-2782 91 15 the the DET issue-2782 91 16 context context NOUN issue-2782 91 17 of of ADP issue-2782 91 18 digital digital ADJ issue-2782 91 19 economy economy NOUN issue-2782 91 20 development development NOUN issue-2782 91 21 . . PUNCT issue-2782 92 1 within within ADP issue-2782 92 2 the the DET issue-2782 92 3 financial financial ADJ issue-2782 92 4 services service NOUN issue-2782 92 5 market market NOUN issue-2782 92 6 , , PUNCT issue-2782 92 7 the the DET issue-2782 92 8 digitisation digitisation NOUN issue-2782 92 9 of of ADP issue-2782 92 10 different different ADJ issue-2782 92 11 types type NOUN issue-2782 92 12 of of ADP issue-2782 92 13 financial financial ADJ issue-2782 92 14 institutions institution NOUN issue-2782 92 15 is be AUX issue-2782 92 16 taking take VERB issue-2782 92 17 place place NOUN issue-2782 92 18 in in ADP issue-2782 92 19 different different ADJ issue-2782 92 20 ways way NOUN issue-2782 92 21 . . PUNCT issue-2782 93 1 this this PRON issue-2782 93 2 is be AUX issue-2782 93 3 due due ADJ issue-2782 93 4 to to ADP issue-2782 93 5 the the DET issue-2782 93 6 specificities specificity NOUN issue-2782 93 7 of of ADP issue-2782 93 8 their their PRON issue-2782 93 9 work work NOUN issue-2782 93 10 , , PUNCT issue-2782 93 11 their their PRON issue-2782 93 12 place place NOUN issue-2782 93 13 in in ADP issue-2782 93 14 the the DET issue-2782 93 15 functioning functioning NOUN issue-2782 93 16 of of ADP issue-2782 93 17 the the DET issue-2782 93 18 financial financial ADJ issue-2782 93 19 system system NOUN issue-2782 93 20 and and CCONJ issue-2782 93 21 the the DET issue-2782 93 22 national national ADJ issue-2782 93 23 economy economy NOUN issue-2782 93 24 . . PUNCT issue-2782 94 1 in in ADP issue-2782 94 2 order order NOUN issue-2782 94 3 to to PART issue-2782 94 4 comprehend comprehend VERB issue-2782 94 5 the the DET issue-2782 94 6 economic economic ADJ issue-2782 94 7 activity activity NOUN issue-2782 94 8 of of ADP issue-2782 94 9 insurance insurance NOUN issue-2782 94 10 companies company NOUN issue-2782 94 11 , , PUNCT issue-2782 94 12 it it PRON issue-2782 94 13 is be AUX issue-2782 94 14 first first ADV issue-2782 94 15 necessary necessary ADJ issue-2782 94 16 to to PART issue-2782 94 17 consider consider VERB issue-2782 94 18 the the DET issue-2782 94 19 nature nature NOUN issue-2782 94 20 of of ADP issue-2782 94 21 the the DET issue-2782 94 22 insurance insurance NOUN issue-2782 94 23 service service NOUN issue-2782 94 24 itself itself PRON issue-2782 94 25 , , PUNCT issue-2782 94 26 which which PRON issue-2782 94 27 in in ADP issue-2782 94 28 the the DET issue-2782 94 29 vast vast ADJ issue-2782 94 30 majority majority NOUN issue-2782 94 31 of of ADP issue-2782 94 32 cases case NOUN issue-2782 94 33 is be AUX issue-2782 94 34 determinative determinative ADJ issue-2782 94 35 . . PUNCT issue-2782 95 1 in in ADP issue-2782 95 2 this this DET issue-2782 95 3 regard regard NOUN issue-2782 95 4 , , PUNCT issue-2782 95 5 t t PROPN issue-2782 95 6 is be AUX issue-2782 95 7 recommended recommend VERB issue-2782 95 8 to to PART issue-2782 95 9 identify identify VERB issue-2782 95 10 the the DET issue-2782 95 11 following follow VERB issue-2782 95 12 features feature NOUN issue-2782 95 13 : : PUNCT issue-2782 95 14 – – PUNCT issue-2782 95 15 strictly strictly ADV issue-2782 95 16 regulated regulate VERB issue-2782 95 17 at at ADP issue-2782 95 18 the the DET issue-2782 95 19 legislative legislative ADJ issue-2782 95 20 level level NOUN issue-2782 95 21 , , PUNCT issue-2782 95 22 there there PRON issue-2782 95 23 are be VERB issue-2782 95 24 relevant relevant ADJ issue-2782 95 25 requirements requirement NOUN issue-2782 95 26 for for ADP issue-2782 95 27 the the DET issue-2782 95 28 financial financial ADJ issue-2782 95 29 condition condition NOUN issue-2782 95 30 of of ADP issue-2782 95 31 insurance insurance NOUN issue-2782 95 32 companies company NOUN issue-2782 95 33 and and CCONJ issue-2782 95 34 certain certain ADJ issue-2782 95 35 areas area NOUN issue-2782 95 36 of of ADP issue-2782 95 37 their their PRON issue-2782 95 38 activities activity NOUN issue-2782 95 39 ; ; PUNCT issue-2782 95 40 – – PUNCT issue-2782 95 41 provide provide VERB issue-2782 95 42 a a DET issue-2782 95 43 wide wide ADJ issue-2782 95 44 range range NOUN issue-2782 95 45 of of ADP issue-2782 95 46 different different ADJ issue-2782 95 47 insurance insurance NOUN issue-2782 95 48 services service NOUN issue-2782 95 49 , , PUNCT issue-2782 95 50 the the DET issue-2782 95 51 specificity specificity NOUN issue-2782 95 52 of of ADP issue-2782 95 53 which which PRON issue-2782 95 54 is be AUX issue-2782 95 55 determined determine VERB issue-2782 95 56 by by ADP issue-2782 95 57 the the DET issue-2782 95 58 type type NOUN issue-2782 95 59 of of ADP issue-2782 95 60 insurance insurance NOUN issue-2782 95 61 companies company NOUN issue-2782 95 62 , , PUNCT issue-2782 95 63 which which PRON issue-2782 95 64 accordingly accordingly ADV issue-2782 95 65 affects affect VERB issue-2782 95 66 the the DET issue-2782 95 67 figure figure NOUN issue-2782 95 68 1 1 NUM issue-2782 95 69 . . PUNCT issue-2782 95 70 model model NOUN issue-2782 95 71 of of ADP issue-2782 95 72 the the DET issue-2782 95 73 insurance insurance NOUN issue-2782 95 74 services service NOUN issue-2782 95 75 market market NOUN issue-2782 95 76 source source NOUN issue-2782 95 77 : : PUNCT issue-2782 95 78 compiled compile VERB issue-2782 95 79 by by ADP issue-2782 95 80 the the DET issue-2782 95 81 authors author NOUN issue-2782 95 82 insurance insurance NOUN issue-2782 95 83 services service NOUN issue-2782 95 84 market market NOUN issue-2782 95 85 relationship relationship NOUN issue-2782 95 86 endogenous endogenous ADJ issue-2782 95 87 factors factor NOUN issue-2782 95 88 political political ADJ issue-2782 95 89 factors factor NOUN issue-2782 95 90 macroeconomic macroeconomic ADJ issue-2782 95 91 factors factor NOUN issue-2782 95 92 financial financial ADJ issue-2782 95 93 factors factor NOUN issue-2782 95 94 social social ADJ issue-2782 95 95 factors factor NOUN issue-2782 95 96 information information NOUN issue-2782 95 97 factors factor NOUN issue-2782 95 98 institutional institutional ADJ issue-2782 95 99 factors factor NOUN issue-2782 95 100 exogenous exogenous ADJ issue-2782 95 101 factors factor NOUN issue-2782 95 102 in in ADP issue-2782 95 103 fl fl NUM issue-2782 95 104 u u NOUN issue-2782 95 105 en en X issue-2782 95 106 c c PROPN issue-2782 95 107 e e NOUN issue-2782 95 108 state state NOUN issue-2782 95 109 regulation regulation NOUN issue-2782 95 110 of of ADP issue-2782 95 111 the the DET issue-2782 95 112 economy economy NOUN issue-2782 95 113 households household VERB issue-2782 95 114 business business NOUN issue-2782 95 115 entities entity NOUN issue-2782 95 116 state state NOUN issue-2782 95 117 authorities authority NOUN issue-2782 95 118 and and CCONJ issue-2782 95 119 local local ADJ issue-2782 95 120 selfgovernment selfgovernment NOUN issue-2782 95 121 bodies body NOUN issue-2782 95 122 insurance insurance NOUN issue-2782 95 123 companies company NOUN issue-2782 95 124 ( ( PUNCT issue-2782 95 125 reinsurance reinsurance NOUN issue-2782 95 126 ) ) PUNCT issue-2782 95 127 offer offer VERB issue-2782 95 128 demand demand NOUN issue-2782 95 129 infrastructure infrastructure NOUN issue-2782 95 130 fo fo ADP issue-2782 95 131 rm rm PROPN issue-2782 95 132 create create VERB issue-2782 95 133 insurance insurance NOUN issue-2782 95 134 payments payment NOUN issue-2782 95 135 investments investment NOUN issue-2782 95 136 insurance insurance NOUN issue-2782 95 137 services service NOUN issue-2782 95 138 insurance insurance NOUN issue-2782 95 139 premiums premium NOUN issue-2782 95 140 insurance insurance NOUN issue-2782 95 141 companies company NOUN issue-2782 95 142 clients client VERB issue-2782 95 143 baltic baltic ADJ issue-2782 95 144 journal journal PROPN issue-2782 95 145 of of ADP issue-2782 95 146 economic economic ADJ issue-2782 95 147 studies study NOUN issue-2782 95 148 333 333 NUM issue-2782 95 149 vol vol NOUN issue-2782 95 150 . . PUNCT issue-2782 95 151 11 11 NUM issue-2782 96 1 no no NOUN issue-2782 96 2 . . NOUN issue-2782 96 3 1 1 NUM issue-2782 96 4 , , PUNCT issue-2782 96 5 2025 2025 NUM issue-2782 96 6 specifics specific NOUN issue-2782 96 7 of of ADP issue-2782 96 8 their their PRON issue-2782 96 9 economic economic ADJ issue-2782 96 10 and and CCONJ issue-2782 96 11 financial financial ADJ issue-2782 96 12 activities activity NOUN issue-2782 96 13 : : PUNCT issue-2782 96 14 non non ADJ issue-2782 96 15 - - ADJ issue-2782 96 16 life life ADJ issue-2782 96 17 insurers insurer NOUN issue-2782 96 18 , , PUNCT issue-2782 96 19 life life NOUN issue-2782 96 20 insurers insurer NOUN issue-2782 96 21 ; ; PUNCT issue-2782 96 22 – – PUNCT issue-2782 96 23 activities activity NOUN issue-2782 96 24 involve involve VERB issue-2782 96 25 continuous continuous ADJ issue-2782 96 26 analysis analysis NOUN issue-2782 96 27 of of ADP issue-2782 96 28 possible possible ADJ issue-2782 96 29 economic economic ADJ issue-2782 96 30 , , PUNCT issue-2782 96 31 financial financial ADJ issue-2782 96 32 and and CCONJ issue-2782 96 33 other other ADJ issue-2782 96 34 risks risk NOUN issue-2782 96 35 , , PUNCT issue-2782 96 36 their their PRON issue-2782 96 37 assessment assessment NOUN issue-2782 96 38 and and CCONJ issue-2782 96 39 management management NOUN issue-2782 96 40 ; ; PUNCT issue-2782 96 41 – – PUNCT issue-2782 96 42 related relate VERB issue-2782 96 43 to to ADP issue-2782 96 44 the the DET issue-2782 96 45 need need NOUN issue-2782 96 46 to to PART issue-2782 96 47 constantly constantly ADV issue-2782 96 48 analyse analyse VERB issue-2782 96 49 the the DET issue-2782 96 50 behaviour behaviour NOUN issue-2782 96 51 of of ADP issue-2782 96 52 consumers consumer NOUN issue-2782 96 53 of of ADP issue-2782 96 54 insurance insurance NOUN issue-2782 96 55 companies company NOUN issue-2782 96 56 ' ' PART issue-2782 96 57 services service NOUN issue-2782 96 58 , , PUNCT issue-2782 96 59 which which PRON issue-2782 96 60 is be AUX issue-2782 96 61 the the DET issue-2782 96 62 basis basis NOUN issue-2782 96 63 for for ADP issue-2782 96 64 making make VERB issue-2782 96 65 decisions decision NOUN issue-2782 96 66 on on ADP issue-2782 96 67 the the DET issue-2782 96 68 sale sale NOUN issue-2782 96 69 of of ADP issue-2782 96 70 new new ADJ issue-2782 96 71 insurance insurance NOUN issue-2782 96 72 products product NOUN issue-2782 96 73 and and CCONJ issue-2782 96 74 their their PRON issue-2782 96 75 terms term NOUN issue-2782 96 76 ; ; PUNCT issue-2782 96 77 – – PUNCT issue-2782 96 78 provide provide VERB issue-2782 96 79 both both CCONJ issue-2782 96 80 compulsory compulsory ADJ issue-2782 96 81 and and CCONJ issue-2782 96 82 voluntary voluntary ADJ issue-2782 96 83 insurance insurance NOUN issue-2782 96 84 services service NOUN issue-2782 96 85 . . PUNCT issue-2782 97 1 the the DET issue-2782 97 2 functioning functioning NOUN issue-2782 97 3 of of ADP issue-2782 97 4 insurance insurance NOUN issue-2782 97 5 companies company NOUN issue-2782 97 6 is be AUX issue-2782 97 7 also also ADV issue-2782 97 8 affected affect VERB issue-2782 97 9 by by ADP issue-2782 97 10 the the DET issue-2782 97 11 fact fact NOUN issue-2782 97 12 that that SCONJ issue-2782 97 13 they they PRON issue-2782 97 14 are be AUX issue-2782 97 15 monopolists monopolist NOUN issue-2782 97 16 in in ADP issue-2782 97 17 the the DET issue-2782 97 18 compulsory compulsory ADJ issue-2782 97 19 insurance insurance NOUN issue-2782 97 20 markets market NOUN issue-2782 97 21 ; ; PUNCT issue-2782 97 22 – – PUNCT issue-2782 97 23 operates operate VERB issue-2782 97 24 in in ADP issue-2782 97 25 a a DET issue-2782 97 26 competitive competitive ADJ issue-2782 97 27 environment environment NOUN issue-2782 97 28 in in ADP issue-2782 97 29 which which PRON issue-2782 97 30 there there PRON issue-2782 97 31 is be VERB issue-2782 97 32 a a DET issue-2782 97 33 significant significant ADJ issue-2782 97 34 number number NOUN issue-2782 97 35 of of ADP issue-2782 97 36 insurers insurer NOUN issue-2782 97 37 providing provide VERB issue-2782 97 38 similar similar ADJ issue-2782 97 39 insurance insurance NOUN issue-2782 97 40 services service NOUN issue-2782 97 41 to to ADP issue-2782 97 42 customers customer NOUN issue-2782 97 43 , , PUNCT issue-2782 97 44 the the DET issue-2782 97 45 list list NOUN issue-2782 97 46 of of ADP issue-2782 97 47 which which PRON issue-2782 97 48 is be AUX issue-2782 97 49 determined determine VERB issue-2782 97 50 by by ADP issue-2782 97 51 the the DET issue-2782 97 52 applicable applicable ADJ issue-2782 97 53 law law NOUN issue-2782 97 54 ; ; PUNCT issue-2782 97 55 – – PUNCT issue-2782 97 56 uses use VERB issue-2782 97 57 a a DET issue-2782 97 58 wide wide ADJ issue-2782 97 59 range range NOUN issue-2782 97 60 of of ADP issue-2782 97 61 methods method NOUN issue-2782 97 62 to to PART issue-2782 97 63 manage manage VERB issue-2782 97 64 its its PRON issue-2782 97 65 own own ADJ issue-2782 97 66 economic economic ADJ issue-2782 97 67 and and CCONJ issue-2782 97 68 financial financial ADJ issue-2782 97 69 risks risk NOUN issue-2782 97 70 , , PUNCT issue-2782 97 71 and and CCONJ issue-2782 97 72 applies apply VERB issue-2782 97 73 reinsurance reinsurance NOUN issue-2782 97 74 to to PART issue-2782 97 75 reduce reduce VERB issue-2782 97 76 its its PRON issue-2782 97 77 insurance insurance NOUN issue-2782 97 78 liabilities liability NOUN issue-2782 97 79 ; ; PUNCT issue-2782 97 80 – – PUNCT issue-2782 97 81 obligations obligation NOUN issue-2782 97 82 to to PART issue-2782 97 83 invest invest VERB issue-2782 97 84 its its PRON issue-2782 97 85 own own ADJ issue-2782 97 86 funds fund NOUN issue-2782 97 87 in in ADP issue-2782 97 88 various various ADJ issue-2782 97 89 financial financial ADJ issue-2782 97 90 instruments instrument NOUN issue-2782 97 91 to to PART issue-2782 97 92 earn earn VERB issue-2782 97 93 income income NOUN issue-2782 97 94 , , PUNCT issue-2782 97 95 part part NOUN issue-2782 97 96 of of ADP issue-2782 97 97 which which PRON issue-2782 97 98 is be AUX issue-2782 97 99 used use VERB issue-2782 97 100 to to PART issue-2782 97 101 form form VERB issue-2782 97 102 reserves reserve NOUN issue-2782 97 103 ; ; PUNCT issue-2782 97 104 – – PUNCT issue-2782 97 105 the the DET issue-2782 97 106 need need NOUN issue-2782 97 107 to to PART issue-2782 97 108 carry carry VERB issue-2782 97 109 out out ADP issue-2782 97 110 investment investment NOUN issue-2782 97 111 activities activity NOUN issue-2782 97 112 necessitates necessitate VERB issue-2782 97 113 construction construction NOUN issue-2782 97 114 of of ADP issue-2782 97 115 appropriate appropriate ADJ issue-2782 97 116 operational operational ADJ issue-2782 97 117 processes process NOUN issue-2782 97 118 and and CCONJ issue-2782 97 119 involvement involvement NOUN issue-2782 97 120 of of ADP issue-2782 97 121 specialists specialist NOUN issue-2782 97 122 to to PART issue-2782 97 123 carry carry VERB issue-2782 97 124 out out ADP issue-2782 97 125 these these DET issue-2782 97 126 activities activity NOUN issue-2782 97 127 ; ; PUNCT issue-2782 97 128 figure figure NOUN issue-2782 97 129 2 2 NUM issue-2782 97 130 . . PUNCT issue-2782 97 131 insurance insurance NOUN issue-2782 97 132 services service NOUN issue-2782 97 133 market market NOUN issue-2782 97 134 in in ADP issue-2782 97 135 the the DET issue-2782 97 136 digital digital ADJ issue-2782 97 137 economy economy NOUN issue-2782 97 138 source source NOUN issue-2782 97 139 : : PUNCT issue-2782 97 140 compiled compile VERB issue-2782 97 141 by by ADP issue-2782 97 142 the the DET issue-2782 97 143 authors author NOUN issue-2782 97 144     SPACE issue-2782 97 145 prerequisites prerequisite NOUN issue-2782 97 146 for for ADP issue-2782 97 147 the the DET issue-2782 97 148 digitalisation digitalisation NOUN issue-2782 97 149 of of ADP issue-2782 97 150 insurance insurance NOUN issue-2782 97 151 companies company NOUN issue-2782 97 152 ri ri VERB issue-2782 97 153 sin sin NOUN issue-2782 97 154 g g PROPN issue-2782 97 155 co co PROPN issue-2782 97 156 st st PROPN issue-2782 97 157 of of ADP issue-2782 97 158 c c PROPN issue-2782 97 159 ap ap PROPN issue-2782 97 160 ita ita PROPN issue-2782 97 161 l l PROPN issue-2782 98 1 a a DET issue-2782 98 2 nd nd ADV issue-2782 98 3 th th X issue-2782 98 4 e e X issue-2782 98 5 ne ne NOUN issue-2782 98 6 ed ed PROPN issue-2782 98 7 to to PART issue-2782 98 8 re re VERB issue-2782 98 9 du du PROPN issue-2782 98 10 ce ce PROPN issue-2782 98 11 o o X issue-2782 98 12 pe pe INTJ issue-2782 98 13 ra ra PROPN issue-2782 98 14 tin tin PROPN issue-2782 98 15 g g PROPN issue-2782 98 16 co co NOUN issue-2782 98 17 sts st VERB issue-2782 98 18 th th NUM issue-2782 98 19 e e X issue-2782 98 20 ne ne NOUN issue-2782 98 21 ed ed NOUN issue-2782 98 22 to to ADP issue-2782 98 23 in in ADP issue-2782 98 24 cr cr PROPN issue-2782 98 25 ea ea PROPN issue-2782 98 26 se se PROPN issue-2782 99 1 pr pr PROPN issue-2782 99 2 of of ADP issue-2782 99 3 ita ita PROPN issue-2782 99 4 bi bi PROPN issue-2782 99 5 lit light VERB issue-2782 99 6 y y PROPN issue-2782 99 7 th th X issue-2782 99 8 e e X issue-2782 99 9 co co X issue-2782 99 10 m m VERB issue-2782 99 11 pl pl VERB issue-2782 99 12 ex ex PRON issue-2782 99 13 ity ity NOUN issue-2782 99 14 o o X issue-2782 99 15 f f X issue-2782 99 16 l l NOUN issue-2782 99 17 eg eg NOUN issue-2782 99 18 isl isl PROPN issue-2782 99 19 at at ADP issue-2782 99 20 iv iv ADP issue-2782 99 21 e e NOUN issue-2782 99 22 re re X issue-2782 99 23 gu gu X issue-2782 99 24 la la PROPN issue-2782 99 25 tio tio PROPN issue-2782 99 26 n n PRON issue-2782 99 27 an an PRON issue-2782 99 28 d d X issue-2782 99 29 th th X issue-2782 99 30 e e X issue-2782 99 31 ne ne PROPN issue-2782 99 32 ed ed NOUN issue-2782 99 33 to to ADP issue-2782 99 34 ad ad PROPN issue-2782 99 35 ap ap PROPN issue-2782 99 36 t t PROPN issue-2782 99 37 t t PROPN issue-2782 99 38 o o X issue-2782 99 39 ne ne PROPN issue-2782 99 40 w w PROPN issue-2782 99 41 re re VERB issue-2782 99 42 qu qu PROPN issue-2782 99 43 ire ire VERB issue-2782 99 44 m m VERB issue-2782 99 45 en en ADP issue-2782 99 46 ts ts X issue-2782 100 1 d d X issue-2782 100 2 ig ig PROPN issue-2782 100 3 ita ita PROPN issue-2782 100 4 lis li NOUN issue-2782 100 5 at at ADP issue-2782 100 6 io io PROPN issue-2782 100 7 n n PROPN issue-2782 100 8 of of ADP issue-2782 100 9 o o PROPN issue-2782 100 10 th th X issue-2782 100 11 er er INTJ issue-2782 100 12 a a DET issue-2782 100 13 re re NOUN issue-2782 100 14 as as ADP issue-2782 100 15 of of ADP issue-2782 100 16 th th X issue-2782 100 17 e e X issue-2782 100 18 fin fin VERB issue-2782 100 19 an an PRON issue-2782 100 20 ci ci PROPN issue-2782 100 21 al al PROPN issue-2782 100 22 se se PROPN issue-2782 100 23 rv rv PROPN issue-2782 101 1 ic ic PROPN issue-2782 101 2 es es PROPN issue-2782 101 3 m m PROPN issue-2782 101 4 ar ar PROPN issue-2782 101 5 ke ke PROPN issue-2782 101 6 t t PROPN issue-2782 101 7 av av PROPN issue-2782 101 8 ai ai VERB issue-2782 101 9 la la ADV issue-2782 101 10 bi bi NOUN issue-2782 101 11 lit light VERB issue-2782 101 12 y y PROPN issue-2782 101 13 of of ADP issue-2782 101 14 si si PROPN issue-2782 101 15 gn gn PROPN issue-2782 101 16 ifi ifi PROPN issue-2782 101 17 ca can AUX issue-2782 101 18 nt not PART issue-2782 101 19 am am VERB issue-2782 101 20 ou ou ADP issue-2782 101 21 nt not PART issue-2782 101 22 s s PART issue-2782 102 1 o o NOUN issue-2782 102 2 f f X issue-2782 103 1 i i PRON issue-2782 103 2 nf nf VERB issue-2782 103 3 or or CCONJ issue-2782 103 4 m m VERB issue-2782 103 5 at at ADP issue-2782 103 6 io io PROPN issue-2782 103 7 n n ADV issue-2782 103 8 th th X issue-2782 103 9 at at ADP issue-2782 103 10 ca can AUX issue-2782 103 11 n n ADV issue-2782 103 12 be be AUX issue-2782 103 13 us we PRON issue-2782 104 1 ed ed NOUN issue-2782 104 2 ex ex X issue-2782 104 3 pe pe PROPN issue-2782 104 4 rie rie X issue-2782 104 5 nc nc PROPN issue-2782 104 6 e e PROPN issue-2782 104 7 in in ADP issue-2782 104 8 u u PROPN issue-2782 104 9 sin sin NOUN issue-2782 104 10 g g PROPN issue-2782 104 11 m m VERB issue-2782 104 12 at at ADP issue-2782 104 13 he he PRON issue-2782 104 14 m m VERB issue-2782 104 15 at at ADP issue-2782 104 16 ic ic PROPN issue-2782 104 17 al al PROPN issue-2782 104 18 m m PROPN issue-2782 104 19 od od PROPN issue-2782 104 20 el el PROPN issue-2782 104 21 s s PROPN issue-2782 104 22 f f PROPN issue-2782 104 23 or or CCONJ issue-2782 104 24 in in ADP issue-2782 104 25 fo fo ADP issue-2782 104 26 rm rm PROPN issue-2782 104 27 at at ADP issue-2782 104 28 io io PROPN issue-2782 104 29 n n PROPN issue-2782 104 30 an an DET issue-2782 104 31 al al PROPN issue-2782 104 32 ys ys PROPN issue-2782 104 33 is be AUX issue-2782 104 34 in in ADP issue-2782 104 35 cr cr PROPN issue-2782 105 1 ea ea PROPN issue-2782 105 2 se se PROPN issue-2782 106 1 d d X issue-2782 106 2 co co X issue-2782 106 3 m m VERB issue-2782 106 4 pe pe INTJ issue-2782 106 5 tit tit PROPN issue-2782 106 6 io io PROPN issue-2782 106 7 n n ADV issue-2782 106 8 in in ADP issue-2782 106 9 th th X issue-2782 106 10 e e NOUN issue-2782 106 11 in in ADP issue-2782 106 12 su su PROPN issue-2782 106 13 ra ra PROPN issue-2782 106 14 nc nc PROPN issue-2782 106 15 e e PROPN issue-2782 106 16 m m PROPN issue-2782 106 17 ar ar PROPN issue-2782 106 18 ke ke PROPN issue-2782 106 19 t t PROPN issue-2782 106 20 em em PRON issue-2782 106 21 er er INTJ issue-2782 106 22 ge ge PROPN issue-2782 106 23 nc nc PROPN issue-2782 106 24 e e PROPN issue-2782 106 25 of of ADP issue-2782 106 26 n n PROPN issue-2782 106 27 ew ew INTJ issue-2782 106 28 te te PROPN issue-2782 106 29 ch ch PROPN issue-2782 106 30 ni ni PROPN issue-2782 106 31 ca ca PROPN issue-2782 106 32 l l NOUN issue-2782 106 33 an an DET issue-2782 106 34 d d NOUN issue-2782 106 35 in in ADP issue-2782 106 36 fo fo ADP issue-2782 106 37 rm rm PROPN issue-2782 106 38 at at ADP issue-2782 106 39 io io PROPN issue-2782 106 40 n n X issue-2782 106 41 ris ris X issue-2782 106 42 ks ks PROPN issue-2782 106 43 g g PROPN issue-2782 106 44 ro ro PROPN issue-2782 106 45 w w PROPN issue-2782 106 46 in in ADP issue-2782 106 47 g g PROPN issue-2782 106 48 cu cu PROPN issue-2782 106 49 sto sto PROPN issue-2782 106 50 m m PROPN issue-2782 107 1 er er INTJ issue-2782 107 2 d d X issue-2782 107 3 em em PRON issue-2782 107 4 an an DET issue-2782 107 5 ds ds NOUN issue-2782 107 6 fo fo INTJ issue-2782 107 7 r r NOUN issue-2782 107 8 s s PROPN issue-2782 107 9 er er INTJ issue-2782 107 10 vi vi PROPN issue-2782 107 11 ce ce PROPN issue-2782 107 12 q q PROPN issue-2782 107 13 ua ua PROPN issue-2782 107 14 lit light VERB issue-2782 107 15 y y PROPN issue-2782 107 16 digital digital ADJ issue-2782 107 17 transformation transformation NOUN issue-2782 107 18 of of ADP issue-2782 107 19 the the DET issue-2782 107 20 insurance insurance NOUN issue-2782 107 21 market market NOUN issue-2782 108 1 d d PROPN issue-2782 108 2 ev ev PROPN issue-2782 108 3 el el PROPN issue-2782 108 4 op op PROPN issue-2782 108 5 m m PROPN issue-2782 108 6 en en ADP issue-2782 108 7 t t X issue-2782 108 8 o o X issue-2782 108 9 f f PROPN issue-2782 109 1 a a DET issue-2782 109 2 n n INTJ issue-2782 109 3 ew ew VERB issue-2782 109 4 in in ADP issue-2782 109 5 su su PROPN issue-2782 109 6 rt rt PROPN issue-2782 110 1 ec ec PROPN issue-2782 110 2 h h PROPN issue-2782 110 3 se se PROPN issue-2782 110 4 gm gm PROPN issue-2782 110 5 en en PROPN issue-2782 110 6 t t PROPN issue-2782 110 7 vi vi PROPN issue-2782 110 8 rtu rtu PROPN issue-2782 110 9 al al PROPN issue-2782 110 10 isa isa PROPN issue-2782 110 11 tio tio PROPN issue-2782 110 12 n n PROPN issue-2782 110 13 of of ADP issue-2782 110 14 th th X issue-2782 110 15 e e PROPN issue-2782 110 16 in in ADP issue-2782 110 17 su su PROPN issue-2782 110 18 ra ra PROPN issue-2782 110 19 nc nc PROPN issue-2782 110 20 e e PROPN issue-2782 110 21 se se PROPN issue-2782 110 22 rv rv PROPN issue-2782 111 1 ic ic PROPN issue-2782 111 2 es es PROPN issue-2782 111 3 m m PROPN issue-2782 111 4 ar ar PROPN issue-2782 111 5 ke ke PROPN issue-2782 111 6 t t PROPN issue-2782 111 7 a a DET issue-2782 111 8 ttr ttr PROPN issue-2782 111 9 ac ac PROPN issue-2782 111 10 tio tio PROPN issue-2782 111 11 n n PROPN issue-2782 111 12 of of ADP issue-2782 111 13 n n CCONJ issue-2782 111 14 ew ew VERB issue-2782 111 15 c c NOUN issue-2782 111 16 lie lie VERB issue-2782 111 17 nt not PART issue-2782 111 18 s s VERB issue-2782 111 19 in in ADP issue-2782 111 20 cr cr PROPN issue-2782 111 21 ea ea PROPN issue-2782 111 22 sin sin VERB issue-2782 111 23 g g PROPN issue-2782 111 24 th th X issue-2782 111 25 e e X issue-2782 111 26 av av PROPN issue-2782 111 27 ai ai VERB issue-2782 111 28 la la ADV issue-2782 111 29 bi bi NOUN issue-2782 111 30 lit light VERB issue-2782 111 31 y y PROPN issue-2782 111 32 of of ADP issue-2782 111 33 in in ADP issue-2782 111 34 su su PROPN issue-2782 111 35 ra ra PROPN issue-2782 111 36 nc nc PROPN issue-2782 111 37 e e PROPN issue-2782 111 38 se se PROPN issue-2782 111 39 rv rv PROPN issue-2782 112 1 ic ic PROPN issue-2782 112 2 es es PROPN issue-2782 112 3 d d PROPN issue-2782 112 4 ev ev PROPN issue-2782 112 5 el el PROPN issue-2782 112 6 op op PROPN issue-2782 112 7 m m PROPN issue-2782 112 8 en en ADP issue-2782 112 9 t t X issue-2782 112 10 o o X issue-2782 112 11 f f PROPN issue-2782 112 12 in in ADP issue-2782 112 13 su su PROPN issue-2782 112 14 ra ra PROPN issue-2782 112 15 nc nc PROPN issue-2782 112 16 e e PROPN issue-2782 112 17 an an PROPN issue-2782 112 18 d d X issue-2782 112 19 di di NOUN issue-2782 112 20 gi gi NOUN issue-2782 112 21 ta ta PART issue-2782 112 22 l l PROPN issue-2782 112 23 lit light VERB issue-2782 112 24 er er INTJ issue-2782 112 25 ac ac INTJ issue-2782 113 1 y y PROPN issue-2782 113 2 fo fo INTJ issue-2782 113 3 r r NOUN issue-2782 113 4 c c NOUN issue-2782 113 5 lie lie VERB issue-2782 113 6 nt not PART issue-2782 113 7 s s VERB issue-2782 113 8 ch ch NOUN issue-2782 113 9 an an DET issue-2782 113 10 ge ge PROPN issue-2782 113 11 s s PROPN issue-2782 114 1 i i NOUN issue-2782 114 2 n n X issue-2782 114 3 th th X issue-2782 114 4 e e X issue-2782 114 5 op op NOUN issue-2782 114 6 er er INTJ issue-2782 114 7 at at ADP issue-2782 114 8 in in ADP issue-2782 114 9 g g PROPN issue-2782 114 10 m m PROPN issue-2782 114 11 od od PROPN issue-2782 114 12 el el PROPN issue-2782 114 13 o o PROPN issue-2782 115 1 f f X issue-2782 115 2 i i PRON issue-2782 115 3 ns ns VERB issue-2782 115 4 ur ur INTJ issue-2782 115 5 an an PROPN issue-2782 115 6 ce ce PROPN issue-2782 115 7 co co NOUN issue-2782 115 8 m m PROPN issue-2782 115 9 pa pa PROPN issue-2782 115 10 ni ni PROPN issue-2782 115 11 es es PROPN issue-2782 115 12 pe pe INTJ issue-2782 115 13 rs rs PROPN issue-2782 115 14 on on ADP issue-2782 115 15 al al PROPN issue-2782 115 16 isa isa PROPN issue-2782 115 17 tio tio PROPN issue-2782 115 18 n n PROPN issue-2782 115 19 of of ADP issue-2782 115 20 in in ADP issue-2782 115 21 su su PROPN issue-2782 115 22 ra ra PROPN issue-2782 115 23 nc nc PROPN issue-2782 115 24 e e PROPN issue-2782 115 25 se se PROPN issue-2782 115 26 rv rv PROPN issue-2782 116 1 ic ic PROPN issue-2782 116 2 es es X issue-2782 116 3 in in ADP issue-2782 116 4 cr cr PROPN issue-2782 116 5 ea ea PROPN issue-2782 116 6 sin sin VERB issue-2782 116 7 g g PROPN issue-2782 116 8 de de PROPN issue-2782 116 9 pe pe PROPN issue-2782 116 10 nd nd PROPN issue-2782 116 11 en en PROPN issue-2782 116 12 ce ce X issue-2782 116 13 on on ADV issue-2782 116 14 in in ADP issue-2782 116 15 fo fo ADP issue-2782 116 16 rm rm PROPN issue-2782 116 17 at at ADP issue-2782 116 18 io io PROPN issue-2782 116 19 n n PRON issue-2782 116 20 an an PROPN issue-2782 116 21 d d X issue-2782 116 22 co co NOUN issue-2782 116 23 m m PROPN issue-2782 116 24 m m PROPN issue-2782 116 25 un un PROPN issue-2782 116 26 ic ic PROPN issue-2782 116 27 at at ADP issue-2782 116 28 io io PROPN issue-2782 116 29 n n X issue-2782 116 30 in in ADP issue-2782 116 31 fra fra PROPN issue-2782 117 1 str str AUX issue-2782 117 2 uc uc PROPN issue-2782 117 3 tu tu PROPN issue-2782 117 4 re re ADJ issue-2782 117 5 digital digital PROPN issue-2782 117 6 technologies technology NOUN issue-2782 117 7 a a DET issue-2782 117 8 rti rti PROPN issue-2782 117 9 fic fic PROPN issue-2782 117 10 ia ia PROPN issue-2782 117 11 l l PROPN issue-2782 117 12 in in ADP issue-2782 117 13 te te PROPN issue-2782 117 14 lli lli PROPN issue-2782 117 15 ge ge PROPN issue-2782 117 16 nc nc PROPN issue-2782 117 17 e e PROPN issue-2782 117 18 bl bl PROPN issue-2782 117 19 oc oc PROPN issue-2782 117 20 kc kc PROPN issue-2782 118 1 ha ha INTJ issue-2782 118 2 in in ADP issue-2782 118 3 ch ch NOUN issue-2782 118 4 at at ADP issue-2782 118 5 bo bo PROPN issue-2782 118 6 ts ts ADP issue-2782 118 7 te te PROPN issue-2782 118 8 le le X issue-2782 118 9 m m PROPN issue-2782 118 10 at at ADP issue-2782 118 11 ic ic PROPN issue-2782 118 12 s s VERB issue-2782 118 13 in in ADP issue-2782 118 14 te te PROPN issue-2782 118 15 rn rn PROPN issue-2782 118 16 et et PROPN issue-2782 118 17 o o PROPN issue-2782 119 1 f f PROPN issue-2782 119 2 t t INTJ issue-2782 119 3 hi hi INTJ issue-2782 119 4 ng ng PROPN issue-2782 119 5 s s PROPN issue-2782 119 6 ( ( PUNCT issue-2782 119 7 io io PROPN issue-2782 119 8 t t PROPN issue-2782 119 9 ) ) PUNCT issue-2782 119 10 vi vi PROPN issue-2782 119 11 rtu rtu PROPN issue-2782 119 12 al al PROPN issue-2782 119 13 a a PROPN issue-2782 119 14 nd nd INTJ issue-2782 119 15 au au ADP issue-2782 119 16 gm gm PROPN issue-2782 119 17 en en X issue-2782 119 18 te te PROPN issue-2782 119 19 d d X issue-2782 119 20 re re VERB issue-2782 119 21 al al PROPN issue-2782 119 22 ity ity PROPN issue-2782 119 23 ( ( PUNCT issue-2782 119 24 v v NOUN issue-2782 119 25 r/ r/ ADV issue-2782 119 26 a a DET issue-2782 119 27 r r NOUN issue-2782 119 28 ) ) PUNCT issue-2782 119 29 bi bi NOUN issue-2782 119 30 g g PROPN issue-2782 119 31 da da PROPN issue-2782 119 32 ta ta ADP issue-2782 119 33 m m VERB issue-2782 119 34 ob ob INTJ issue-2782 119 35 ile ile PROPN issue-2782 119 36 te te PROPN issue-2782 119 37 ch ch NOUN issue-2782 119 38 no no INTJ issue-2782 119 39 lo lo NOUN issue-2782 119 40 gi gi NOUN issue-2782 119 41 es es X issue-2782 119 42 cl cl NOUN issue-2782 119 43 ou ou NOUN issue-2782 119 44 d d NOUN issue-2782 119 45 te te PROPN issue-2782 120 1 ch ch NOUN issue-2782 121 1 no no INTJ issue-2782 121 2 lo lo NOUN issue-2782 121 3 gi gi NOUN issue-2782 121 4 es es PROPN issue-2782 121 5 baltic baltic PROPN issue-2782 121 6 journal journal PROPN issue-2782 121 7 of of ADP issue-2782 121 8 economic economic ADJ issue-2782 121 9 studies study NOUN issue-2782 121 10 334 334 NUM issue-2782 121 11 vol vol NOUN issue-2782 121 12 . . PUNCT issue-2782 121 13 11 11 NUM issue-2782 122 1 no no NOUN issue-2782 122 2 . . NOUN issue-2782 122 3 1 1 NUM issue-2782 122 4 , , PUNCT issue-2782 122 5 2025 2025 NUM issue-2782 122 6 – – PUNCT issue-2782 122 7 the the DET issue-2782 122 8 need need NOUN issue-2782 122 9 to to PART issue-2782 122 10 submit submit VERB issue-2782 122 11 financial financial ADJ issue-2782 122 12 statements statement NOUN issue-2782 122 13 to to ADP issue-2782 122 14 the the DET issue-2782 122 15 regulator regulator NOUN issue-2782 122 16 ; ; PUNCT issue-2782 122 17 – – PUNCT issue-2782 122 18 interaction interaction NOUN issue-2782 122 19 with with ADP issue-2782 122 20 different different ADJ issue-2782 122 21 types type NOUN issue-2782 122 22 of of ADP issue-2782 122 23 clients client NOUN issue-2782 122 24 determines determine VERB issue-2782 122 25 urgency urgency NOUN issue-2782 122 26 of of ADP issue-2782 122 27 ensuring ensure VERB issue-2782 122 28 transparency transparency NOUN issue-2782 122 29 of of ADP issue-2782 122 30 the the DET issue-2782 122 31 insurance insurance NOUN issue-2782 122 32 company company NOUN issue-2782 122 33 's 's PART issue-2782 122 34 activities activity NOUN issue-2782 122 35 , , PUNCT issue-2782 122 36 its its PRON issue-2782 122 37 openness openness NOUN issue-2782 122 38 , , PUNCT issue-2782 122 39 and and CCONJ issue-2782 122 40 the the DET issue-2782 122 41 reputation reputation NOUN issue-2782 122 42 formation formation NOUN issue-2782 122 43 among among ADP issue-2782 122 44 consumers consumer NOUN issue-2782 122 45 of of ADP issue-2782 122 46 insurance insurance NOUN issue-2782 122 47 services service NOUN issue-2782 122 48 . . PUNCT issue-2782 123 1 4 4 X issue-2782 123 2 . . X issue-2782 123 3 artificial artificial ADJ issue-2782 123 4 intelligence intelligence NOUN issue-2782 123 5 : : PUNCT issue-2782 123 6 the the DET issue-2782 123 7 essence essence NOUN issue-2782 123 8 and and CCONJ issue-2782 123 9 impact impact NOUN issue-2782 123 10 on on ADP issue-2782 123 11 the the DET issue-2782 123 12 development development NOUN issue-2782 123 13 of of ADP issue-2782 123 14 insurance insurance NOUN issue-2782 123 15 companies company NOUN issue-2782 123 16 the the DET issue-2782 123 17 field field NOUN issue-2782 123 18 of of ADP issue-2782 123 19 artificial artificial ADJ issue-2782 123 20 intelligence intelligence NOUN issue-2782 123 21 ( ( PUNCT issue-2782 123 22 ai ai NOUN issue-2782 123 23 ) ) PUNCT issue-2782 123 24 encompasses encompass VERB issue-2782 123 25 technologies technology NOUN issue-2782 123 26 that that PRON issue-2782 123 27 utilise utilise VERB issue-2782 123 28 vast vast ADJ issue-2782 123 29 data datum NOUN issue-2782 123 30 sets set NOUN issue-2782 123 31 for for ADP issue-2782 123 32 analysis analysis NOUN issue-2782 123 33 and and CCONJ issue-2782 123 34 employ employ VERB issue-2782 123 35 sophisticated sophisticated ADJ issue-2782 123 36 algorithms algorithm NOUN issue-2782 123 37 to to PART issue-2782 123 38 carry carry VERB issue-2782 123 39 out out ADP issue-2782 123 40 tasks task NOUN issue-2782 123 41 that that PRON issue-2782 123 42 were be AUX issue-2782 123 43 previously previously ADV issue-2782 123 44 reliant reliant ADJ issue-2782 123 45 on on ADP issue-2782 123 46 human human ADJ issue-2782 123 47 intelligence intelligence NOUN issue-2782 123 48 , , PUNCT issue-2782 123 49 skills skill NOUN issue-2782 123 50 and and CCONJ issue-2782 123 51 cognitive cognitive ADJ issue-2782 123 52 processes process NOUN issue-2782 123 53 . . PUNCT issue-2782 124 1 in in ADP issue-2782 124 2 the the DET issue-2782 124 3 contemporary contemporary ADJ issue-2782 124 4 ai ai PROPN issue-2782 124 5 landscape landscape NOUN issue-2782 124 6 , , PUNCT issue-2782 124 7 the the DET issue-2782 124 8 field field NOUN issue-2782 124 9 is be AUX issue-2782 124 10 undergoing undergo VERB issue-2782 124 11 rapid rapid ADJ issue-2782 124 12 development development NOUN issue-2782 124 13 and and CCONJ issue-2782 124 14 possesses possess VERB issue-2782 124 15 considerable considerable ADJ issue-2782 124 16 potential potential NOUN issue-2782 124 17 for for ADP issue-2782 124 18 further further ADJ issue-2782 124 19 utilisation utilisation NOUN issue-2782 124 20 , , PUNCT issue-2782 124 21 particularly particularly ADV issue-2782 124 22 within within ADP issue-2782 124 23 the the DET issue-2782 124 24 domain domain NOUN issue-2782 124 25 of of ADP issue-2782 124 26 economics economic NOUN issue-2782 124 27 . . PUNCT issue-2782 125 1 the the DET issue-2782 125 2 application application NOUN issue-2782 125 3 of of ADP issue-2782 125 4 this this DET issue-2782 125 5 technology technology NOUN issue-2782 125 6 is be AUX issue-2782 125 7 intended intend VERB issue-2782 125 8 to to PART issue-2782 125 9 accelerate accelerate VERB issue-2782 125 10 the the DET issue-2782 125 11 development development NOUN issue-2782 125 12 of of ADP issue-2782 125 13 economic economic ADJ issue-2782 125 14 entities entity NOUN issue-2782 125 15 , , PUNCT issue-2782 125 16 thereby thereby ADV issue-2782 125 17 increasing increase VERB issue-2782 125 18 their their PRON issue-2782 125 19 interest interest NOUN issue-2782 125 20 in in ADP issue-2782 125 21 investing invest VERB issue-2782 125 22 in in ADP issue-2782 125 23 new new ADJ issue-2782 125 24 and and CCONJ issue-2782 125 25 innovative innovative ADJ issue-2782 125 26 developments development NOUN issue-2782 125 27 and and CCONJ issue-2782 125 28 creating create VERB issue-2782 125 29 new new ADJ issue-2782 125 30 information information NOUN issue-2782 125 31 products product NOUN issue-2782 125 32 based base VERB issue-2782 125 33 on on ADP issue-2782 125 34 this this DET issue-2782 125 35 technology technology NOUN issue-2782 125 36 . . PUNCT issue-2782 126 1 according accord VERB issue-2782 126 2 to to ADP issue-2782 126 3 github github PROPN issue-2782 126 4 , , PUNCT issue-2782 126 5 in in ADP issue-2782 126 6 2023 2023 NUM issue-2782 126 7 , , PUNCT issue-2782 126 8 98 98 NUM issue-2782 126 9 million million NUM issue-2782 126 10 projects project NOUN issue-2782 126 11 will will AUX issue-2782 126 12 be be AUX issue-2782 126 13 created create VERB issue-2782 126 14 using use VERB issue-2782 126 15 ai ai NOUN issue-2782 126 16 . . PUNCT issue-2782 127 1 exactly exactly ADV issue-2782 127 2 , , PUNCT issue-2782 127 3 last last ADJ issue-2782 127 4 year year NOUN issue-2782 127 5 , , PUNCT issue-2782 127 6 an an DET issue-2782 127 7 abrupt abrupt ADJ issue-2782 127 8 increase increase NOUN issue-2782 127 9 in in ADP issue-2782 127 10 demand demand NOUN issue-2782 127 11 for for ADP issue-2782 127 12 this this DET issue-2782 127 13 technology technology NOUN issue-2782 127 14 was be AUX issue-2782 127 15 recorded record VERB issue-2782 127 16 . . PUNCT issue-2782 128 1 minimal minimal ADJ issue-2782 128 2 activity activity NOUN issue-2782 128 3 of of ADP issue-2782 128 4 developers developer NOUN issue-2782 128 5 has have AUX issue-2782 128 6 been be AUX issue-2782 128 7 observed observe VERB issue-2782 128 8 since since SCONJ issue-2782 128 9 2010 2010 NUM issue-2782 128 10 , , PUNCT issue-2782 128 11 and and CCONJ issue-2782 128 12 a a DET issue-2782 128 13 more more ADV issue-2782 128 14 noticeable noticeable ADJ issue-2782 128 15 development development NOUN issue-2782 128 16 of of ADP issue-2782 128 17 ai ai ADJ issue-2782 128 18 projects project NOUN issue-2782 128 19 began begin VERB issue-2782 128 20 in in ADP issue-2782 128 21 2016 2016 NUM issue-2782 128 22 . . PUNCT issue-2782 129 1 according accord VERB issue-2782 129 2 to to ADP issue-2782 129 3 the the DET issue-2782 129 4 mckinsey mckinsey NOUN issue-2782 129 5 study study NOUN issue-2782 129 6 , , PUNCT issue-2782 129 7 by by ADP issue-2782 129 8 2030 2030 NUM issue-2782 129 9 the the DET issue-2782 129 10 implementation implementation NOUN issue-2782 129 11 of of ADP issue-2782 129 12 artificial artificial ADJ issue-2782 129 13 intelligence intelligence NOUN issue-2782 129 14 may may AUX issue-2782 129 15 add add VERB issue-2782 129 16 about about ADV issue-2782 129 17 13 13 NUM issue-2782 129 18 trillion trillion NUM issue-2782 129 19 usd usd NOUN issue-2782 129 20 to to ADP issue-2782 129 21 the the DET issue-2782 129 22 global global ADJ issue-2782 129 23 economy economy NOUN issue-2782 129 24 . . PUNCT issue-2782 130 1 this this DET issue-2782 130 2 projection projection NOUN issue-2782 130 3 is be AUX issue-2782 130 4 made make VERB issue-2782 130 5 within within ADP issue-2782 130 6 a a DET issue-2782 130 7 timeframe timeframe NOUN issue-2782 130 8 of of ADP issue-2782 130 9 six six NUM issue-2782 130 10 years year NOUN issue-2782 130 11 ( ( PUNCT issue-2782 130 12 pidhayna pidhayna NOUN issue-2782 130 13 , , PUNCT issue-2782 130 14 2024 2024 NUM issue-2782 130 15 ) ) PUNCT issue-2782 130 16 . . PUNCT issue-2782 131 1 in in ADP issue-2782 131 2 2022 2022 NUM issue-2782 131 3 , , PUNCT issue-2782 131 4 the the DET issue-2782 131 5 global global ADJ issue-2782 131 6 ai ai PROPN issue-2782 131 7 market market NOUN issue-2782 131 8 was be AUX issue-2782 131 9 valued value VERB issue-2782 131 10 at at ADP issue-2782 131 11 10.14 10.14 NUM issue-2782 131 12 billion billion NUM issue-2782 131 13 usd usd NOUN issue-2782 131 14 and and CCONJ issue-2782 131 15 is be AUX issue-2782 131 16 expected expect VERB issue-2782 131 17 to to PART issue-2782 131 18 grow grow VERB issue-2782 131 19 by by ADP issue-2782 131 20 35.6 35.6 NUM issue-2782 131 21 % % NOUN issue-2782 131 22 at at ADP issue-2782 131 23 a a DET issue-2782 131 24 compound compound ADJ issue-2782 131 25 annual annual ADJ issue-2782 131 26 growth growth NOUN issue-2782 131 27 rate rate NOUN issue-2782 131 28 to to ADP issue-2782 131 29 118 118 NUM issue-2782 131 30 billion billion NUM issue-2782 131 31 usd usd NOUN issue-2782 131 32 between between ADP issue-2782 131 33 2023 2023 NUM issue-2782 131 34 and and CCONJ issue-2782 131 35 2032 2032 NUM issue-2782 131 36 ( ( PUNCT issue-2782 131 37 figure figure NOUN issue-2782 131 38 3 3 NUM issue-2782 131 39 ) ) PUNCT issue-2782 131 40 . . PUNCT issue-2782 132 1 data datum NOUN issue-2782 132 2 shows show VERB issue-2782 132 3 that that SCONJ issue-2782 132 4 the the DET issue-2782 132 5 use use NOUN issue-2782 132 6 of of ADP issue-2782 132 7 ai ai NOUN issue-2782 132 8 will will AUX issue-2782 132 9 only only ADV issue-2782 132 10 increase increase VERB issue-2782 132 11 in in ADP issue-2782 132 12 the the DET issue-2782 132 13 future future NOUN issue-2782 132 14 , , PUNCT issue-2782 132 15 and and CCONJ issue-2782 132 16 its its PRON issue-2782 132 17 potential potential ADJ issue-2782 132 18 applications application NOUN issue-2782 132 19 will will AUX issue-2782 132 20 only only ADV issue-2782 132 21 increase increase VERB issue-2782 132 22 . . PUNCT issue-2782 133 1 the the DET issue-2782 133 2 potential potential ADJ issue-2782 133 3 limits limit NOUN issue-2782 133 4 of of ADP issue-2782 133 5 the the DET issue-2782 133 6 use use NOUN issue-2782 133 7 of of ADP issue-2782 133 8 this this DET issue-2782 133 9 technology technology NOUN issue-2782 133 10 by by ADP issue-2782 133 11 scientists scientist NOUN issue-2782 133 12 and and CCONJ issue-2782 133 13 practitioners practitioner NOUN issue-2782 133 14 have have AUX issue-2782 133 15 not not PART issue-2782 133 16 yet yet ADV issue-2782 133 17 been be AUX issue-2782 133 18 determined determine VERB issue-2782 133 19 , , PUNCT issue-2782 133 20 which which PRON issue-2782 133 21 is be AUX issue-2782 133 22 extremely extremely ADV issue-2782 133 23 difficult difficult ADJ issue-2782 133 24 given give VERB issue-2782 133 25 that that SCONJ issue-2782 133 26 this this DET issue-2782 133 27 technology technology NOUN issue-2782 133 28 is be AUX issue-2782 133 29 constantly constantly ADV issue-2782 133 30 developing develop VERB issue-2782 133 31 , , PUNCT issue-2782 133 32 changing change VERB issue-2782 133 33 and and CCONJ issue-2782 133 34 based base VERB issue-2782 133 35 on on ADP issue-2782 133 36 the the DET issue-2782 133 37 use use NOUN issue-2782 133 38 of of ADP issue-2782 133 39 knowledge knowledge NOUN issue-2782 133 40 , , PUNCT issue-2782 133 41 the the DET issue-2782 133 42 results result NOUN issue-2782 133 43 of of ADP issue-2782 133 44 its its PRON issue-2782 133 45 analysis analysis NOUN issue-2782 133 46 . . PUNCT issue-2782 134 1 in in ADP issue-2782 134 2 the the DET issue-2782 134 3 contemporary contemporary ADJ issue-2782 134 4 context context NOUN issue-2782 134 5 , , PUNCT issue-2782 134 6 the the DET issue-2782 134 7 urgency urgency NOUN issue-2782 134 8 of of ADP issue-2782 134 9 ai ai NOUN issue-2782 134 10 is be AUX issue-2782 134 11 indisputable indisputable ADJ issue-2782 134 12 . . PUNCT issue-2782 135 1 its its PRON issue-2782 135 2 role role NOUN issue-2782 135 3 in in ADP issue-2782 135 4 the the DET issue-2782 135 5 insurance insurance NOUN issue-2782 135 6 market market NOUN issue-2782 135 7 is be AUX issue-2782 135 8 already already ADV issue-2782 135 9 substantial substantial ADJ issue-2782 135 10 , , PUNCT issue-2782 135 11 particularly particularly ADV issue-2782 135 12 in in ADP issue-2782 135 13 the the DET issue-2782 135 14 operations operation NOUN issue-2782 135 15 of of ADP issue-2782 135 16 insurance insurance NOUN issue-2782 135 17 companies company NOUN issue-2782 135 18 . . PUNCT issue-2782 136 1 according accord VERB issue-2782 136 2 to to ADP issue-2782 136 3 experts expert NOUN issue-2782 136 4 ' ' PART issue-2782 136 5 forecasts forecast NOUN issue-2782 136 6 , , PUNCT issue-2782 136 7 this this DET issue-2782 136 8 development development NOUN issue-2782 136 9 will will AUX issue-2782 136 10 only only ADV issue-2782 136 11 increase increase VERB issue-2782 136 12 in in ADP issue-2782 136 13 the the DET issue-2782 136 14 future future NOUN issue-2782 136 15 . . PUNCT issue-2782 137 1 as as SCONJ issue-2782 137 2 posited posit VERB issue-2782 137 3 by by ADP issue-2782 137 4 the the DET issue-2782 137 5 beinsure beinsure NOUN issue-2782 137 6 report report NOUN issue-2782 137 7 , , PUNCT issue-2782 137 8 the the DET issue-2782 137 9 size size NOUN issue-2782 137 10 of of ADP issue-2782 137 11 the the DET issue-2782 137 12 ai ai NOUN issue-2782 137 13 market market NOUN issue-2782 137 14 in in ADP issue-2782 137 15 insurance insurance NOUN issue-2782 137 16 is be AUX issue-2782 137 17 projected project VERB issue-2782 137 18 to to PART issue-2782 137 19 increase increase VERB issue-2782 137 20 from from ADP issue-2782 137 21 346.3 346.3 NUM issue-2782 137 22 million million NUM issue-2782 137 23 usd usd NOUN issue-2782 137 24 to to ADP issue-2782 137 25 5.54 5.54 NUM issue-2782 137 26 billion billion NUM issue-2782 137 27 usd usd NOUN issue-2782 137 28 by by ADP issue-2782 137 29 2032 2032 NUM issue-2782 137 30 , , PUNCT issue-2782 137 31 growing grow VERB issue-2782 137 32 by by ADP issue-2782 137 33 32.9 32.9 NUM issue-2782 137 34 % % NOUN issue-2782 137 35 over over ADP issue-2782 137 36 the the DET issue-2782 137 37 next next ADJ issue-2782 137 38 ten ten NUM issue-2782 137 39 years year NOUN issue-2782 137 40 ( ( PUNCT issue-2782 137 41 parashchak parashchak NOUN issue-2782 137 42 , , PUNCT issue-2782 137 43 2024 2024 NUM issue-2782 137 44 ; ; PUNCT issue-2782 137 45 forinsurer forinsurer X issue-2782 137 46 , , PUNCT issue-2782 137 47 2024 2024 NUM issue-2782 137 48 ) ) PUNCT issue-2782 137 49 . . PUNCT issue-2782 138 1 it it PRON issue-2782 138 2 is be AUX issue-2782 138 3 important important ADJ issue-2782 138 4 to to PART issue-2782 138 5 note note VERB issue-2782 138 6 that that SCONJ issue-2782 138 7 there there PRON issue-2782 138 8 are be VERB issue-2782 138 9 a a DET issue-2782 138 10 number number NOUN issue-2782 138 11 of of ADP issue-2782 138 12 other other ADJ issue-2782 138 13 forecasts forecast NOUN issue-2782 138 14 that that PRON issue-2782 138 15 are be AUX issue-2782 138 16 even even ADV issue-2782 138 17 more more ADV issue-2782 138 18 optimistic optimistic ADJ issue-2782 138 19 . . PUNCT issue-2782 139 1 according accord VERB issue-2782 139 2 to to ADP issue-2782 139 3 binariks binariks PROPN issue-2782 139 4 ( ( PUNCT issue-2782 139 5 2024 2024 NUM issue-2782 139 6 ) ) PUNCT issue-2782 139 7 , , PUNCT issue-2782 139 8 the the DET issue-2782 139 9 global global ADJ issue-2782 139 10 ai ai VERB issue-2782 139 11 market market NOUN issue-2782 139 12 in in ADP issue-2782 139 13 the the DET issue-2782 139 14 insurance insurance NOUN issue-2782 139 15 sector sector NOUN issue-2782 139 16 was be AUX issue-2782 139 17 valued value VERB issue-2782 139 18 at at ADP issue-2782 139 19 4.59 4.59 NUM issue-2782 139 20 billion billion NUM issue-2782 139 21 usd usd NOUN issue-2782 139 22 in in ADP issue-2782 139 23 2022 2022 NUM issue-2782 139 24 and and CCONJ issue-2782 139 25 is be AUX issue-2782 139 26 expected expect VERB issue-2782 139 27 to to PART issue-2782 139 28 reach reach VERB issue-2782 139 29 79.86 79.86 NUM issue-2782 139 30 billion billion NUM issue-2782 139 31 usd usd NOUN issue-2782 139 32 in in ADP issue-2782 139 33 2032 2032 NUM issue-2782 139 34 , , PUNCT issue-2782 139 35 growing grow VERB issue-2782 139 36 at at ADP issue-2782 139 37 a a DET issue-2782 139 38 compound compound ADJ issue-2782 139 39 annual annual ADJ issue-2782 139 40 growth growth NOUN issue-2782 139 41 rate rate NOUN issue-2782 139 42 ( ( PUNCT issue-2782 139 43 cagr cagr NOUN issue-2782 139 44 ) ) PUNCT issue-2782 139 45 of of ADP issue-2782 139 46 33.06 33.06 NUM issue-2782 139 47 % % NOUN issue-2782 139 48 from from ADP issue-2782 139 49 2023 2023 NUM issue-2782 139 50 to to ADP issue-2782 139 51 2032 2032 NUM issue-2782 139 52 . . PUNCT issue-2782 140 1 figure figure VERB issue-2782 140 2 4 4 NUM issue-2782 140 3 presents present VERB issue-2782 140 4 information information NOUN issue-2782 140 5 on on ADP issue-2782 140 6 future future ADJ issue-2782 140 7 development development NOUN issue-2782 140 8 of of ADP issue-2782 140 9 this this DET issue-2782 140 10 technology technology NOUN issue-2782 140 11 in in ADP issue-2782 140 12 the the DET issue-2782 140 13 insurance insurance NOUN issue-2782 140 14 market market NOUN issue-2782 140 15 . . PUNCT issue-2782 141 1 however however ADV issue-2782 141 2 , , PUNCT issue-2782 141 3 the the DET issue-2782 141 4 leadership leadership NOUN issue-2782 141 5 in in ADP issue-2782 141 6 the the DET issue-2782 141 7 use use NOUN issue-2782 141 8 of of ADP issue-2782 141 9 ai ai NOUN issue-2782 141 10 will will AUX issue-2782 141 11 lag lag VERB issue-2782 141 12 behind behind ADP issue-2782 141 13 the the DET issue-2782 141 14 countries country NOUN issue-2782 141 15 of of ADP issue-2782 141 16 north north PROPN issue-2782 141 17 america america PROPN issue-2782 141 18 , , PUNCT issue-2782 141 19 where where SCONJ issue-2782 141 20 the the DET issue-2782 141 21 insurance insurance NOUN issue-2782 141 22 market market NOUN issue-2782 141 23 is be AUX issue-2782 141 24 actively actively ADV issue-2782 141 25 developing develop VERB issue-2782 141 26 and and CCONJ issue-2782 141 27 insurance insurance NOUN issue-2782 141 28 companies company NOUN issue-2782 141 29 play play VERB issue-2782 141 30 an an DET issue-2782 141 31 important important ADJ issue-2782 141 32 role role NOUN issue-2782 141 33 in in ADP issue-2782 141 34 the the DET issue-2782 141 35 investment investment NOUN issue-2782 141 36 market market NOUN issue-2782 141 37 and and CCONJ issue-2782 141 38 in in ADP issue-2782 141 39 the the DET issue-2782 141 40 formation formation NOUN issue-2782 141 41 of of ADP issue-2782 141 42 financial financial ADJ issue-2782 141 43 resources resource NOUN issue-2782 141 44 for for ADP issue-2782 141 45 the the DET issue-2782 141 46 development development NOUN issue-2782 141 47 of of ADP issue-2782 141 48 the the DET issue-2782 141 49 national national ADJ issue-2782 141 50 economy economy NOUN issue-2782 141 51 . . PUNCT issue-2782 142 1 leaders leader NOUN issue-2782 142 2 in in ADP issue-2782 142 3 the the DET issue-2782 142 4 adoption adoption NOUN issue-2782 142 5 of of ADP issue-2782 142 6 this this DET issue-2782 142 7 technology technology NOUN issue-2782 142 8 are be AUX issue-2782 142 9 companies company NOUN issue-2782 142 10 such such ADJ issue-2782 142 11 as as ADP issue-2782 142 12 prudential prudential PROPN issue-2782 142 13 financial financial PROPN issue-2782 142 14 , , PUNCT issue-2782 142 15 metlife metlife NOUN issue-2782 142 16 and and CCONJ issue-2782 142 17 berkshire berkshire PROPN issue-2782 142 18 hathaway hathaway PROPN issue-2782 142 19 ( ( PUNCT issue-2782 142 20 binariks binariks PROPN issue-2782 142 21 , , PUNCT issue-2782 142 22 2024 2024 NUM issue-2782 142 23 ) ) PUNCT issue-2782 142 24 . . PUNCT issue-2782 143 1 european european ADJ issue-2782 143 2 countries country NOUN issue-2782 143 3 have have AUX issue-2782 143 4 also also ADV issue-2782 143 5 witnessed witness VERB issue-2782 143 6 a a DET issue-2782 143 7 rapid rapid ADJ issue-2782 143 8 development development NOUN issue-2782 143 9 of of ADP issue-2782 143 10 insurance insurance NOUN issue-2782 143 11 , , PUNCT issue-2782 143 12 particularly particularly ADV issue-2782 143 13 at at ADP issue-2782 143 14 the the DET issue-2782 143 15 expense expense NOUN issue-2782 143 16 of of ADP issue-2782 143 17 less less ADJ issue-2782 143 18 developed developed ADJ issue-2782 143 19 countries country NOUN issue-2782 143 20 , , PUNCT issue-2782 143 21 such such ADJ issue-2782 143 22 as as ADP issue-2782 143 23 those those PRON issue-2782 143 24 in in ADP issue-2782 143 25 eastern eastern PROPN issue-2782 143 26 europe europe PROPN issue-2782 143 27 . . PUNCT issue-2782 144 1 figure figure VERB issue-2782 144 2 3 3 NUM issue-2782 144 3 . . NOUN issue-2782 144 4 size size NOUN issue-2782 144 5 of of ADP issue-2782 144 6 the the DET issue-2782 144 7 global global ADJ issue-2782 144 8 market market NOUN issue-2782 144 9 for for ADP issue-2782 144 10 generative generative ADJ issue-2782 144 11 artificial artificial ADJ issue-2782 144 12 intelligence intelligence NOUN issue-2782 144 13 source source NOUN issue-2782 144 14 : : PUNCT issue-2782 144 15 parashchak parashchak NOUN issue-2782 144 16 ( ( PUNCT issue-2782 144 17 2024 2024 NUM issue-2782 144 18 ) ) PUNCT issue-2782 144 19 , , PUNCT issue-2782 144 20 forinsurer forinsurer X issue-2782 144 21 ( ( PUNCT issue-2782 144 22 2024 2024 NUM issue-2782 144 23 ) ) PUNCT issue-2782 144 24     SPACE issue-2782 144 25 baltic baltic ADJ issue-2782 144 26 journal journal NOUN issue-2782 144 27 of of ADP issue-2782 144 28 economic economic ADJ issue-2782 144 29 studies study NOUN issue-2782 144 30 335 335 NUM issue-2782 144 31 vol vol NOUN issue-2782 144 32 . . PUNCT issue-2782 145 1 11 11 NUM issue-2782 146 1 no no NOUN issue-2782 146 2 . . NOUN issue-2782 146 3 1 1 NUM issue-2782 146 4 , , PUNCT issue-2782 146 5 2025 2025 NUM issue-2782 146 6 the the DET issue-2782 146 7 forecast forecast NOUN issue-2782 146 8 data datum NOUN issue-2782 146 9 on on ADP issue-2782 146 10 the the DET issue-2782 146 11 ai ai PROPN issue-2782 146 12 development development NOUN issue-2782 146 13 in in ADP issue-2782 146 14 insurance insurance NOUN issue-2782 146 15 companies company NOUN issue-2782 146 16 ' ' PART issue-2782 146 17 activities activity NOUN issue-2782 146 18 presented present VERB issue-2782 146 19 in in ADP issue-2782 146 20 figure figure NOUN issue-2782 146 21 5 5 NUM issue-2782 146 22 is be AUX issue-2782 146 23 substantiated substantiate VERB issue-2782 146 24 , , PUNCT issue-2782 146 25 given give VERB issue-2782 146 26 the the DET issue-2782 146 27 significant significant ADJ issue-2782 146 28 interest interest NOUN issue-2782 146 29 of of ADP issue-2782 146 30 insurers insurer NOUN issue-2782 146 31 in in ADP issue-2782 146 32 this this DET issue-2782 146 33 technology technology NOUN issue-2782 146 34 . . PUNCT issue-2782 147 1 indeed indeed ADV issue-2782 147 2 , , PUNCT issue-2782 147 3 a a DET issue-2782 147 4 considerable considerable ADJ issue-2782 147 5 number number NOUN issue-2782 147 6 of of ADP issue-2782 147 7 insurers insurer NOUN issue-2782 147 8 have have AUX issue-2782 147 9 already already ADV issue-2782 147 10 invested invest VERB issue-2782 147 11 in in ADP issue-2782 147 12 this this DET issue-2782 147 13 technology technology NOUN issue-2782 147 14 , , PUNCT issue-2782 147 15 adapting adapt VERB issue-2782 147 16 it it PRON issue-2782 147 17 to to ADP issue-2782 147 18 their their PRON issue-2782 147 19 own own ADJ issue-2782 147 20 business business NOUN issue-2782 147 21 model model NOUN issue-2782 147 22 . . PUNCT issue-2782 148 1 a a DET issue-2782 148 2 substantial substantial ADJ issue-2782 148 3 proportion proportion NOUN issue-2782 148 4 of of ADP issue-2782 148 5 insurance insurance NOUN issue-2782 148 6 companies company NOUN issue-2782 148 7 have have AUX issue-2782 148 8 expressed express VERB issue-2782 148 9 intentions intention NOUN issue-2782 148 10 to to PART issue-2782 148 11 augment augment VERB issue-2782 148 12 the the DET issue-2782 148 13 allocation allocation NOUN issue-2782 148 14 of of ADP issue-2782 148 15 resources resource NOUN issue-2782 148 16 towards towards ADP issue-2782 148 17 this this DET issue-2782 148 18 field field NOUN issue-2782 148 19 . . PUNCT issue-2782 149 1 in in ADP issue-2782 149 2 2024 2024 NUM issue-2782 149 3 , , PUNCT issue-2782 149 4 the the DET issue-2782 149 5 european european PROPN issue-2782 149 6 insurance insurance PROPN issue-2782 149 7 and and CCONJ issue-2782 149 8 occupational occupational ADJ issue-2782 149 9 pensions pension NOUN issue-2782 149 10 authority authority NOUN issue-2782 149 11 ( ( PUNCT issue-2782 149 12 eiopa eiopa NOUN issue-2782 149 13 ) ) PUNCT issue-2782 149 14 published publish VERB issue-2782 149 15 the the DET issue-2782 149 16 results result NOUN issue-2782 149 17 of of ADP issue-2782 149 18 a a DET issue-2782 149 19 survey survey NOUN issue-2782 149 20 of of ADP issue-2782 149 21 insurers insurer NOUN issue-2782 149 22 across across ADP issue-2782 149 23 the the DET issue-2782 149 24 eu eu PROPN issue-2782 149 25 on on ADP issue-2782 149 26 the the DET issue-2782 149 27 level level NOUN issue-2782 149 28 of of ADP issue-2782 149 29 ai ai ADJ issue-2782 149 30 implementation implementation NOUN issue-2782 149 31 in in ADP issue-2782 149 32 the the DET issue-2782 149 33 insurance insurance NOUN issue-2782 149 34 sector sector NOUN issue-2782 149 35 . . PUNCT issue-2782 150 1 survey survey NOUN issue-2782 150 2 results result NOUN issue-2782 150 3 indicate indicate VERB issue-2782 150 4 that that SCONJ issue-2782 150 5 50 50 NUM issue-2782 150 6 % % NOUN issue-2782 150 7 of of ADP issue-2782 150 8 companies company NOUN issue-2782 150 9 providing provide VERB issue-2782 150 10 risk risk NOUN issue-2782 150 11 insurance insurance NOUN issue-2782 150 12 services service NOUN issue-2782 150 13 and and CCONJ issue-2782 150 14 24 24 NUM issue-2782 150 15 % % NOUN issue-2782 150 16 of of ADP issue-2782 150 17 life life NOUN issue-2782 150 18 insurance insurance NOUN issue-2782 150 19 companies company NOUN issue-2782 150 20 are be AUX issue-2782 150 21 already already ADV issue-2782 150 22 utilising utilise VERB issue-2782 150 23 ai ai VERB issue-2782 150 24 in in ADP issue-2782 150 25 their their PRON issue-2782 150 26 own own ADJ issue-2782 150 27 activities activity NOUN issue-2782 150 28 . . PUNCT issue-2782 151 1 furthermore furthermore ADV issue-2782 151 2 , , PUNCT issue-2782 151 3 30 30 NUM issue-2782 151 4 % % NOUN issue-2782 151 5 and and CCONJ issue-2782 151 6 39 39 NUM issue-2782 151 7 % % NOUN issue-2782 151 8 of of ADP issue-2782 151 9 these these DET issue-2782 151 10 companies company NOUN issue-2782 151 11 anticipate anticipate VERB issue-2782 151 12 a a DET issue-2782 151 13 further further ADJ issue-2782 151 14 increase increase NOUN issue-2782 151 15 in in ADP issue-2782 151 16 the the DET issue-2782 151 17 active active ADJ issue-2782 151 18 development development NOUN issue-2782 151 19 of of ADP issue-2782 151 20 ai ai NOUN issue-2782 151 21 in in ADP issue-2782 151 22 the the DET issue-2782 151 23 insurance insurance NOUN issue-2782 151 24 sector sector NOUN issue-2782 151 25 ( ( PUNCT issue-2782 151 26 eiopa eiopa ADJ issue-2782 151 27 , , PUNCT issue-2782 151 28 2024 2024 NUM issue-2782 151 29 ) ) PUNCT issue-2782 151 30 . . PUNCT issue-2782 152 1 insurers insurer NOUN issue-2782 152 2 seek seek VERB issue-2782 152 3 to to PART issue-2782 152 4 derive derive VERB issue-2782 152 5 maximum maximum ADJ issue-2782 152 6 benefit benefit NOUN issue-2782 152 7 from from ADP issue-2782 152 8 the the DET issue-2782 152 9 implementation implementation NOUN issue-2782 152 10 of of ADP issue-2782 152 11 ai ai NOUN issue-2782 152 12 , , PUNCT issue-2782 152 13 given give VERB issue-2782 152 14 the the DET issue-2782 152 15 substantial substantial ADJ issue-2782 152 16 investment investment NOUN issue-2782 152 17 resources resource NOUN issue-2782 152 18 required require VERB issue-2782 152 19 for for ADP issue-2782 152 20 its its PRON issue-2782 152 21 integration integration NOUN issue-2782 152 22 into into ADP issue-2782 152 23 operational operational ADJ issue-2782 152 24 processes process NOUN issue-2782 152 25 and and CCONJ issue-2782 152 26 subsequent subsequent ADJ issue-2782 152 27 support support NOUN issue-2782 152 28 . . PUNCT issue-2782 153 1 the the DET issue-2782 153 2 primary primary ADJ issue-2782 153 3 returns return NOUN issue-2782 153 4 from from ADP issue-2782 153 5 investments investment NOUN issue-2782 153 6 in in ADP issue-2782 153 7 ai ai NOUN issue-2782 153 8 are be AUX issue-2782 153 9 expected expect VERB issue-2782 153 10 to to PART issue-2782 153 11 be be AUX issue-2782 153 12 increased increase VERB issue-2782 153 13 productivity productivity NOUN issue-2782 153 14 , , PUNCT issue-2782 153 15 increased increase VERB issue-2782 153 16 revenue revenue NOUN issue-2782 153 17 and and CCONJ issue-2782 153 18 cost cost NOUN issue-2782 153 19 savings saving NOUN issue-2782 153 20 . . PUNCT issue-2782 154 1 a a DET issue-2782 154 2 substantial substantial ADJ issue-2782 154 3 proportion proportion NOUN issue-2782 154 4 of of ADP issue-2782 154 5 prominent prominent ADJ issue-2782 154 6 insurance insurance NOUN issue-2782 154 7 companies company NOUN issue-2782 154 8 ( ( PUNCT issue-2782 154 9 with with ADP issue-2782 154 10 direct direct ADJ issue-2782 154 11 insurance insurance NOUN issue-2782 154 12 premiums premium NOUN issue-2782 154 13 in in ADP issue-2782 154 14 excess excess NOUN issue-2782 154 15 of of ADP issue-2782 154 16 25 25 NUM issue-2782 154 17 billion billion NUM issue-2782 154 18 usd usd NOUN issue-2782 154 19 ) ) PUNCT issue-2782 154 20 have have AUX issue-2782 154 21 identified identify VERB issue-2782 154 22 enhanced enhance VERB issue-2782 154 23 productivity productivity NOUN issue-2782 154 24 as as ADP issue-2782 154 25 the the DET issue-2782 154 26 primary primary ADJ issue-2782 154 27 factor factor NOUN issue-2782 154 28 in in ADP issue-2782 154 29 the the DET issue-2782 154 30 adoption adoption NOUN issue-2782 154 31 of of ADP issue-2782 154 32 ai ai NOUN issue-2782 154 33 . . PUNCT issue-2782 155 1 furthermore furthermore ADV issue-2782 155 2 , , PUNCT issue-2782 155 3 65 65 NUM issue-2782 155 4 % % NOUN issue-2782 155 5 of of ADP issue-2782 155 6 insurance insurance NOUN issue-2782 155 7 companies company NOUN issue-2782 155 8 anticipate anticipate VERB issue-2782 155 9 revenue revenue NOUN issue-2782 155 10 growth growth NOUN issue-2782 155 11 of of ADP issue-2782 155 12 over over ADP issue-2782 155 13 10 10 NUM issue-2782 155 14 % % NOUN issue-2782 155 15 . . PUNCT issue-2782 156 1 furthermore furthermore ADV issue-2782 156 2 , , PUNCT issue-2782 156 3 52 52 NUM issue-2782 156 4 % % NOUN issue-2782 156 5 of of ADP issue-2782 156 6 respondents respondent NOUN issue-2782 156 7 anticipate anticipate VERB issue-2782 156 8 achieving achieve VERB issue-2782 156 9 cost cost NOUN issue-2782 156 10 reductions reduction NOUN issue-2782 156 11 of of ADP issue-2782 156 12 11 11 NUM issue-2782 156 13 - - SYM issue-2782 156 14 20 20 NUM issue-2782 156 15 % % NOUN issue-2782 156 16 ( ( PUNCT issue-2782 156 17 parashchak parashchak NOUN issue-2782 156 18 , , PUNCT issue-2782 156 19 2024 2024 NUM issue-2782 156 20 ) ) PUNCT issue-2782 156 21 . . PUNCT issue-2782 157 1 5 5 X issue-2782 157 2 . . X issue-2782 157 3 the the DET issue-2782 157 4 impact impact NOUN issue-2782 157 5 of of ADP issue-2782 157 6 digitalisation digitalisation NOUN issue-2782 157 7 on on ADP issue-2782 157 8 the the DET issue-2782 157 9 work work NOUN issue-2782 157 10 of of ADP issue-2782 157 11 insurance insurance NOUN issue-2782 157 12 companies company NOUN issue-2782 157 13 the the DET issue-2782 157 14 specific specific ADJ issue-2782 157 15 features feature NOUN issue-2782 157 16 of of ADP issue-2782 157 17 the the DET issue-2782 157 18 economic economic ADJ issue-2782 157 19 activity activity NOUN issue-2782 157 20 of of ADP issue-2782 157 21 insurance insurance NOUN issue-2782 157 22 companies company NOUN issue-2782 157 23 , , PUNCT issue-2782 157 24 as as SCONJ issue-2782 157 25 outlined outline VERB issue-2782 157 26 above above ADV issue-2782 157 27 , , PUNCT issue-2782 157 28 also also ADV issue-2782 157 29 determine determine VERB issue-2782 157 30 the the DET issue-2782 157 31 features feature NOUN issue-2782 157 32 of of ADP issue-2782 157 33 ai ai ADJ issue-2782 157 34 use use NOUN issue-2782 157 35 and and CCONJ issue-2782 157 36 the the DET issue-2782 157 37 directions direction NOUN issue-2782 157 38 of of ADP issue-2782 157 39 its its PRON issue-2782 157 40 figure figure NOUN issue-2782 157 41 4 4 NUM issue-2782 157 42 . . PUNCT issue-2782 157 43 development development NOUN issue-2782 157 44 of of ADP issue-2782 157 45 artificial artificial ADJ issue-2782 157 46 intelligence intelligence NOUN issue-2782 157 47 in in ADP issue-2782 157 48 the the DET issue-2782 157 49 insurance insurance NOUN issue-2782 157 50 services service NOUN issue-2782 157 51 market market NOUN issue-2782 157 52 source source NOUN issue-2782 157 53 : : PUNCT issue-2782 157 54 ( ( PUNCT issue-2782 157 55 binariks binariks NOUN issue-2782 157 56 , , PUNCT issue-2782 157 57 2024 2024 NUM issue-2782 157 58 ) ) PUNCT issue-2782 157 59     SPACE issue-2782 157 60 baltic baltic ADJ issue-2782 157 61 journal journal NOUN issue-2782 157 62 of of ADP issue-2782 157 63 economic economic ADJ issue-2782 157 64 studies study NOUN issue-2782 157 65 336 336 NUM issue-2782 157 66 vol vol NOUN issue-2782 157 67 . . PUNCT issue-2782 158 1 11 11 NUM issue-2782 159 1 no no NOUN issue-2782 159 2 . . NOUN issue-2782 159 3 1 1 NUM issue-2782 159 4 , , PUNCT issue-2782 159 5 2025 2025 NUM issue-2782 159 6 application application NOUN issue-2782 159 7 in in ADP issue-2782 159 8 the the DET issue-2782 159 9 work work NOUN issue-2782 159 10 of of ADP issue-2782 159 11 these these DET issue-2782 159 12 financial financial ADJ issue-2782 159 13 institutions institution NOUN issue-2782 159 14 . . PUNCT issue-2782 160 1 among among ADP issue-2782 160 2 the the DET issue-2782 160 3 aforementioned aforementioned ADJ issue-2782 160 4 features feature NOUN issue-2782 160 5 , , PUNCT issue-2782 160 6 it it PRON issue-2782 160 7 is be AUX issue-2782 160 8 important important ADJ issue-2782 160 9 to to PART issue-2782 160 10 highlight highlight VERB issue-2782 160 11 the the DET issue-2782 160 12 following following NOUN issue-2782 160 13 : : PUNCT issue-2782 160 14 – – PUNCT issue-2782 160 15 improving improve VERB issue-2782 160 16 the the DET issue-2782 160 17 risk risk NOUN issue-2782 160 18 assessment assessment NOUN issue-2782 160 19 of of ADP issue-2782 160 20 certain certain ADJ issue-2782 160 21 categories category NOUN issue-2782 160 22 of of ADP issue-2782 160 23 customers customer NOUN issue-2782 160 24 by by ADP issue-2782 160 25 using use VERB issue-2782 160 26 ai ai NOUN issue-2782 160 27 to to PART issue-2782 160 28 accumulate accumulate VERB issue-2782 160 29 more more ADJ issue-2782 160 30 information information NOUN issue-2782 160 31 about about ADP issue-2782 160 32 such such ADJ issue-2782 160 33 insurance insurance NOUN issue-2782 160 34 consumers consumer NOUN issue-2782 160 35 , , PUNCT issue-2782 160 36 better well ADJ issue-2782 160 37 process process VERB issue-2782 160 38 it it PRON issue-2782 160 39 , , PUNCT issue-2782 160 40 and and CCONJ issue-2782 160 41 provide provide VERB issue-2782 160 42 it it PRON issue-2782 160 43 for for ADP issue-2782 160 44 further further ADJ issue-2782 160 45 decision decision NOUN issue-2782 160 46 - - PUNCT issue-2782 160 47 making making NOUN issue-2782 160 48 ; ; PUNCT issue-2782 160 49 – – PUNCT issue-2782 160 50 аpplication аpplication NOUN issue-2782 160 51 of of ADP issue-2782 160 52 ai ai NOUN issue-2782 160 53 allows allow VERB issue-2782 160 54 to to PART issue-2782 160 55 improve improve VERB issue-2782 160 56 the the DET issue-2782 160 57 quality quality NOUN issue-2782 160 58 of of ADP issue-2782 160 59 insurance insurance NOUN issue-2782 160 60 companies company NOUN issue-2782 160 61 ' ' PART issue-2782 160 62 management management NOUN issue-2782 160 63 and and CCONJ issue-2782 160 64 improve improve VERB issue-2782 160 65 existing exist VERB issue-2782 160 66 risk risk NOUN issue-2782 160 67 management management NOUN issue-2782 160 68 systems system NOUN issue-2782 160 69 , , PUNCT issue-2782 160 70 which which PRON issue-2782 160 71 has have VERB issue-2782 160 72 a a DET issue-2782 160 73 positive positive ADJ issue-2782 160 74 impact impact NOUN issue-2782 160 75 on on ADP issue-2782 160 76 the the DET issue-2782 160 77 financial financial ADJ issue-2782 160 78 stability stability NOUN issue-2782 160 79 of of ADP issue-2782 160 80 these these DET issue-2782 160 81 companies company NOUN issue-2782 160 82 ; ; PUNCT issue-2782 160 83 – – PUNCT issue-2782 160 84 ai ai VERB issue-2782 160 85 allows allow VERB issue-2782 160 86 insurance insurance NOUN issue-2782 160 87 companies company NOUN issue-2782 160 88 to to PART issue-2782 160 89 develop develop VERB issue-2782 160 90 personalised personalised ADJ issue-2782 160 91 insurance insurance NOUN issue-2782 160 92 products product NOUN issue-2782 160 93 for for ADP issue-2782 160 94 different different ADJ issue-2782 160 95 customers customer NOUN issue-2782 160 96 , , PUNCT issue-2782 160 97 and and CCONJ issue-2782 160 98 to to PART issue-2782 160 99 interact interact VERB issue-2782 160 100 with with ADP issue-2782 160 101 banking banking NOUN issue-2782 160 102 institutions institution NOUN issue-2782 160 103 to to PART issue-2782 160 104 improve improve VERB issue-2782 160 105 these these DET issue-2782 160 106 products product NOUN issue-2782 160 107 to to PART issue-2782 160 108 better well ADV issue-2782 160 109 meet meet VERB issue-2782 160 110 the the DET issue-2782 160 111 overall overall ADJ issue-2782 160 112 financial financial ADJ issue-2782 160 113 services service NOUN issue-2782 160 114 needs need NOUN issue-2782 160 115 of of ADP issue-2782 160 116 consumers consumer NOUN issue-2782 160 117 ; ; PUNCT issue-2782 160 118 – – PUNCT issue-2782 160 119 аpplications аpplication NOUN issue-2782 160 120 of of ADP issue-2782 160 121 ai ai NOUN issue-2782 160 122 can can AUX issue-2782 160 123 also also ADV issue-2782 160 124 improve improve VERB issue-2782 160 125 the the DET issue-2782 160 126 quality quality NOUN issue-2782 160 127 of of ADP issue-2782 160 128 customer customer NOUN issue-2782 160 129 support support NOUN issue-2782 160 130 , , PUNCT issue-2782 160 131 which which PRON issue-2782 160 132 is be AUX issue-2782 160 133 already already ADV issue-2782 160 134 being be AUX issue-2782 160 135 implemented implement VERB issue-2782 160 136 through through ADP issue-2782 160 137 the the DET issue-2782 160 138 active active ADJ issue-2782 160 139 use use NOUN issue-2782 160 140 of of ADP issue-2782 160 141 chatbots chatbot NOUN issue-2782 160 142 and and CCONJ issue-2782 160 143 virtual virtual ADJ issue-2782 160 144 assistants assistant NOUN issue-2782 160 145 ; ; PUNCT issue-2782 160 146 – – PUNCT issue-2782 160 147 ai ai NOUN issue-2782 160 148 can can AUX issue-2782 160 149 significantly significantly ADV issue-2782 160 150 accelerate accelerate VERB issue-2782 160 151 the the DET issue-2782 160 152 provision provision NOUN issue-2782 160 153 of of ADP issue-2782 160 154 insurance insurance NOUN issue-2782 160 155 services service NOUN issue-2782 160 156 , , PUNCT issue-2782 160 157 document document NOUN issue-2782 160 158 recognition recognition NOUN issue-2782 160 159 , , PUNCT issue-2782 160 160 and and CCONJ issue-2782 160 161 the the DET issue-2782 160 162 assessment assessment NOUN issue-2782 160 163 of of ADP issue-2782 160 164 potential potential ADJ issue-2782 160 165 risks risk NOUN issue-2782 160 166 based base VERB issue-2782 160 167 on on ADP issue-2782 160 168 primary primary ADJ issue-2782 160 169 customer customer NOUN issue-2782 160 170 information information NOUN issue-2782 160 171 ; ; PUNCT issue-2782 160 172 – – PUNCT issue-2782 160 173 ai ai AUX issue-2782 160 174 makes make VERB issue-2782 160 175 it it PRON issue-2782 160 176 possible possible ADJ issue-2782 160 177 to to PART issue-2782 160 178 better well ADV issue-2782 160 179 detect detect VERB issue-2782 160 180 fraudulent fraudulent ADJ issue-2782 160 181 actions action NOUN issue-2782 160 182 of of ADP issue-2782 160 183 customers customer NOUN issue-2782 160 184 , , PUNCT issue-2782 160 185 analyse analyse VERB issue-2782 160 186 the the DET issue-2782 160 187 specifics specific NOUN issue-2782 160 188 of of ADP issue-2782 160 189 insurance insurance NOUN issue-2782 160 190 events event NOUN issue-2782 160 191 and and CCONJ issue-2782 160 192 assess assess VERB issue-2782 160 193 the the DET issue-2782 160 194 likelihood likelihood NOUN issue-2782 160 195 of of ADP issue-2782 160 196 receiving receive VERB issue-2782 160 197 false false ADJ issue-2782 160 198 information information NOUN issue-2782 160 199 from from ADP issue-2782 160 200 insurance insurance NOUN issue-2782 160 201 consumers consumer NOUN issue-2782 160 202 ; ; PUNCT issue-2782 160 203 – – PUNCT issue-2782 160 204 allows allow VERB issue-2782 160 205 to to PART issue-2782 160 206 better well ADV issue-2782 160 207 assess assess VERB issue-2782 160 208 the the DET issue-2782 160 209 level level NOUN issue-2782 160 210 of of ADP issue-2782 160 211 damage damage NOUN issue-2782 160 212 to to ADP issue-2782 160 213 real real ADJ issue-2782 160 214 estate estate NOUN issue-2782 160 215 and and CCONJ issue-2782 160 216 other other ADJ issue-2782 160 217 property property NOUN issue-2782 160 218 based base VERB issue-2782 160 219 on on ADP issue-2782 160 220 video video NOUN issue-2782 160 221 recordings recording NOUN issue-2782 160 222 , , PUNCT issue-2782 160 223 photographs photograph NOUN issue-2782 160 224 , , PUNCT issue-2782 160 225 satellite satellite NOUN issue-2782 160 226 images image NOUN issue-2782 160 227 , , PUNCT issue-2782 160 228 other other ADJ issue-2782 160 229 documents document NOUN issue-2782 160 230 , , PUNCT issue-2782 160 231 police police NOUN issue-2782 160 232 reports report NOUN issue-2782 160 233 , , PUNCT issue-2782 160 234 and and CCONJ issue-2782 160 235 to to PART issue-2782 160 236 simulate simulate VERB issue-2782 160 237 the the DET issue-2782 160 238 situation situation NOUN issue-2782 160 239 ; ; PUNCT issue-2782 160 240 – – PUNCT issue-2782 160 241 the the DET issue-2782 160 242 active active ADJ issue-2782 160 243 use use NOUN issue-2782 160 244 of of ADP issue-2782 160 245 ai ai NOUN issue-2782 160 246 , , PUNCT issue-2782 160 247 its its PRON issue-2782 160 248 ability ability NOUN issue-2782 160 249 to to PART issue-2782 160 250 quickly quickly ADV issue-2782 160 251 assess assess VERB issue-2782 160 252 potential potential ADJ issue-2782 160 253 risks risk NOUN issue-2782 160 254 , , PUNCT issue-2782 160 255 insured insure VERB issue-2782 160 256 events event NOUN issue-2782 160 257 and and CCONJ issue-2782 160 258 provide provide VERB issue-2782 160 259 relevant relevant ADJ issue-2782 160 260 information information NOUN issue-2782 160 261 to to ADP issue-2782 160 262 the the DET issue-2782 160 263 insurance insurance NOUN issue-2782 160 264 company company NOUN issue-2782 160 265 , , PUNCT issue-2782 160 266 speeds speed VERB issue-2782 160 267 up up ADP issue-2782 160 268 the the DET issue-2782 160 269 payment payment NOUN issue-2782 160 270 of of ADP issue-2782 160 271 insurance insurance NOUN issue-2782 160 272 compensation compensation NOUN issue-2782 160 273 , , PUNCT issue-2782 160 274 which which PRON issue-2782 160 275 is be AUX issue-2782 160 276 also also ADV issue-2782 160 277 made make VERB issue-2782 160 278 taking take VERB issue-2782 160 279 into into ADP issue-2782 160 280 account account NOUN issue-2782 160 281 the the DET issue-2782 160 282 previous previous ADJ issue-2782 160 283 model model NOUN issue-2782 160 284 of of ADP issue-2782 160 285 insurance insurance NOUN issue-2782 160 286 behaviour behaviour NOUN issue-2782 160 287 of of ADP issue-2782 160 288 customers customer NOUN issue-2782 160 289 ; ; PUNCT issue-2782 160 290 – – PUNCT issue-2782 160 291 based base VERB issue-2782 160 292 on on ADP issue-2782 160 293 the the DET issue-2782 160 294 individual individual ADJ issue-2782 160 295 parameters parameter NOUN issue-2782 160 296 of of ADP issue-2782 160 297 different different ADJ issue-2782 160 298 types type NOUN issue-2782 160 299 of of ADP issue-2782 160 300 consumers consumer NOUN issue-2782 160 301 , , PUNCT issue-2782 160 302 ai ai VERB issue-2782 160 303 can can AUX issue-2782 160 304 help help VERB issue-2782 160 305 analyse analyse VERB issue-2782 160 306 their their PRON issue-2782 160 307 financial financial ADJ issue-2782 160 308 situation situation NOUN issue-2782 160 309 , , PUNCT issue-2782 160 310 take take VERB issue-2782 160 311 into into ADP issue-2782 160 312 account account NOUN issue-2782 160 313 the the DET issue-2782 160 314 insurance insurance NOUN issue-2782 160 315 history history NOUN issue-2782 160 316 of of ADP issue-2782 160 317 using use VERB issue-2782 160 318 the the DET issue-2782 160 319 services service NOUN issue-2782 160 320 of of ADP issue-2782 160 321 an an DET issue-2782 160 322 insurance insurance NOUN issue-2782 160 323 company company NOUN issue-2782 160 324 and and CCONJ issue-2782 160 325 offer offer VERB issue-2782 160 326 personalised personalised ADJ issue-2782 160 327 insurance insurance NOUN issue-2782 160 328 products product NOUN issue-2782 160 329 ; ; PUNCT issue-2782 160 330 – – PUNCT issue-2782 160 331 ai ai VERB issue-2782 160 332 allows allow VERB issue-2782 160 333 analysing analyse VERB issue-2782 160 334 the the DET issue-2782 160 335 state state NOUN issue-2782 160 336 of of ADP issue-2782 160 337 the the DET issue-2782 160 338 insurance insurance NOUN issue-2782 160 339 market market NOUN issue-2782 160 340 in in ADP issue-2782 160 341 the the DET issue-2782 160 342 country country NOUN issue-2782 160 343 , , PUNCT issue-2782 160 344 studying study VERB issue-2782 160 345 competitors competitor NOUN issue-2782 160 346 ' ' PART issue-2782 160 347 offers offer NOUN issue-2782 160 348 , , PUNCT issue-2782 160 349 analysing analyse VERB issue-2782 160 350 them they PRON issue-2782 160 351 , , PUNCT issue-2782 160 352 and and CCONJ issue-2782 160 353 taking take VERB issue-2782 160 354 into into ADP issue-2782 160 355 account account NOUN issue-2782 160 356 the the DET issue-2782 160 357 information information NOUN issue-2782 160 358 received receive VERB issue-2782 160 359 when when SCONJ issue-2782 160 360 creating create VERB issue-2782 160 361 new new ADJ issue-2782 160 362 insurance insurance NOUN issue-2782 160 363 products product NOUN issue-2782 160 364 . . PUNCT issue-2782 161 1 as as ADP issue-2782 161 2 with with ADP issue-2782 161 3 any any DET issue-2782 161 4 technology technology NOUN issue-2782 161 5 , , PUNCT issue-2782 161 6 ai ai VERB issue-2782 161 7 has have VERB issue-2782 161 8 advantages advantage NOUN issue-2782 161 9 and and CCONJ issue-2782 161 10 disadvantages disadvantage NOUN issue-2782 161 11 for for ADP issue-2782 161 12 insurance insurance NOUN issue-2782 161 13 companies company NOUN issue-2782 161 14 . . PUNCT issue-2782 162 1 accordingly accordingly ADV issue-2782 162 2 , , PUNCT issue-2782 162 3 each each DET issue-2782 162 4 insurance insurance NOUN issue-2782 162 5 company company NOUN issue-2782 162 6 must must AUX issue-2782 162 7 consider consider VERB issue-2782 162 8 the the DET issue-2782 162 9 approach approach NOUN issue-2782 162 10 of of ADP issue-2782 162 11 active active ADJ issue-2782 162 12 engagement engagement NOUN issue-2782 162 13 of of ADP issue-2782 162 14 this this DET issue-2782 162 15 technology technology NOUN issue-2782 162 16 in in ADP issue-2782 162 17 its its PRON issue-2782 162 18 own own ADJ issue-2782 162 19 activities activity NOUN issue-2782 162 20 . . PUNCT issue-2782 163 1 today today NOUN issue-2782 163 2 , , PUNCT issue-2782 163 3 no no DET issue-2782 163 4 one one NOUN issue-2782 163 5 can can AUX issue-2782 163 6 give give VERB issue-2782 163 7 any any DET issue-2782 163 8 guarantees guarantee NOUN issue-2782 163 9 why why SCONJ issue-2782 163 10 the the DET issue-2782 163 11 use use NOUN issue-2782 163 12 of of ADP issue-2782 163 13 ai ai NOUN issue-2782 163 14 is be AUX issue-2782 163 15 always always ADV issue-2782 163 16 justified justify VERB issue-2782 163 17 and and CCONJ issue-2782 163 18 the the DET issue-2782 163 19 results result NOUN issue-2782 163 20 of of ADP issue-2782 163 21 its its PRON issue-2782 163 22 applications application NOUN issue-2782 163 23 are be AUX issue-2782 163 24 correct correct ADJ issue-2782 163 25 and and CCONJ issue-2782 163 26 without without ADP issue-2782 163 27 any any DET issue-2782 163 28 doubt doubt NOUN issue-2782 163 29 can can AUX issue-2782 163 30 be be AUX issue-2782 163 31 used use VERB issue-2782 163 32 by by ADP issue-2782 163 33 all all DET issue-2782 163 34 financial financial ADJ issue-2782 163 35 institutions institution NOUN issue-2782 163 36 . . PUNCT issue-2782 164 1 this this PRON issue-2782 164 2 is be AUX issue-2782 164 3 due due ADJ issue-2782 164 4 to to ADP issue-2782 164 5 the the DET issue-2782 164 6 fact fact NOUN issue-2782 164 7 that that SCONJ issue-2782 164 8 today today NOUN issue-2782 164 9 ai ai VERB issue-2782 164 10 in in ADP issue-2782 164 11 its its PRON issue-2782 164 12 development development NOUN issue-2782 164 13 is be AUX issue-2782 164 14 in in ADP issue-2782 164 15 the the DET issue-2782 164 16 initial initial ADJ issue-2782 164 17 stages stage NOUN issue-2782 164 18 of of ADP issue-2782 164 19 its its PRON issue-2782 164 20 application application NOUN issue-2782 164 21 in in ADP issue-2782 164 22 insurance insurance NOUN issue-2782 164 23 companies company NOUN issue-2782 164 24 . . PUNCT issue-2782 165 1 accordingly accordingly ADV issue-2782 165 2 , , PUNCT issue-2782 165 3 in in ADP issue-2782 165 4 the the DET issue-2782 165 5 future future NOUN issue-2782 165 6 the the DET issue-2782 165 7 quality quality NOUN issue-2782 165 8 of of ADP issue-2782 165 9 its its PRON issue-2782 165 10 use use NOUN issue-2782 165 11 will will AUX issue-2782 165 12 constantly constantly ADV issue-2782 165 13 increase increase VERB issue-2782 165 14 , , PUNCT issue-2782 165 15 since since SCONJ issue-2782 165 16 this this DET issue-2782 165 17 technology technology NOUN issue-2782 165 18 is be AUX issue-2782 165 19 constantly constantly ADV issue-2782 165 20 being be AUX issue-2782 165 21 improved improve VERB issue-2782 165 22 , , PUNCT issue-2782 165 23 learned learn VERB issue-2782 165 24 in in ADP issue-2782 165 25 the the DET issue-2782 165 26 process process NOUN issue-2782 165 27 of of ADP issue-2782 165 28 constantly constantly ADV issue-2782 165 29 increasing increase VERB issue-2782 165 30 information information NOUN issue-2782 165 31 about about ADP issue-2782 165 32 the the DET issue-2782 165 33 activities activity NOUN issue-2782 165 34 of of ADP issue-2782 165 35 individual individual ADJ issue-2782 165 36 insurance insurance NOUN issue-2782 165 37 companies company NOUN issue-2782 165 38 , , PUNCT issue-2782 165 39 their their PRON issue-2782 165 40 clients client NOUN issue-2782 165 41 , , PUNCT issue-2782 165 42 trends trend NOUN issue-2782 165 43 in in ADP issue-2782 165 44 the the DET issue-2782 165 45 market market NOUN issue-2782 165 46 of of ADP issue-2782 165 47 insurance insurance NOUN issue-2782 165 48 services service NOUN issue-2782 165 49 , , PUNCT issue-2782 165 50 historical historical ADJ issue-2782 165 51 features feature NOUN issue-2782 165 52 of of ADP issue-2782 165 53 functioning function VERB issue-2782 165 54 of of ADP issue-2782 165 55 this this DET issue-2782 165 56 market market NOUN issue-2782 165 57 and and CCONJ issue-2782 165 58 its its PRON issue-2782 165 59 role role NOUN issue-2782 165 60 in in ADP issue-2782 165 61 ensuring ensure VERB issue-2782 165 62 economic economic ADJ issue-2782 165 63 development development NOUN issue-2782 165 64 of of ADP issue-2782 165 65 the the DET issue-2782 165 66 country country NOUN issue-2782 165 67 . . PUNCT issue-2782 166 1 the the DET issue-2782 166 2 purpose purpose NOUN issue-2782 166 3 of of ADP issue-2782 166 4 this this DET issue-2782 166 5 study study NOUN issue-2782 166 6 is be AUX issue-2782 166 7 to to PART issue-2782 166 8 provide provide VERB issue-2782 166 9 a a DET issue-2782 166 10 detailed detailed ADJ issue-2782 166 11 analysis analysis NOUN issue-2782 166 12 of of ADP issue-2782 166 13 the the DET issue-2782 166 14 advantages advantage NOUN issue-2782 166 15 and and CCONJ issue-2782 166 16 disadvantages disadvantage NOUN issue-2782 166 17 of of ADP issue-2782 166 18 the the DET issue-2782 166 19 application application NOUN issue-2782 166 20 of of ADP issue-2782 166 21 artificial artificial ADJ issue-2782 166 22 intelligence intelligence NOUN issue-2782 166 23 by by ADP issue-2782 166 24 insurance insurance NOUN issue-2782 166 25 companies company NOUN issue-2782 166 26 . . PUNCT issue-2782 167 1 6 6 X issue-2782 167 2 . . X issue-2782 167 3 advantages advantage NOUN issue-2782 167 4 and and CCONJ issue-2782 167 5 disadvantages disadvantage NOUN issue-2782 167 6 of of ADP issue-2782 167 7 using use VERB issue-2782 167 8 artificial artificial ADJ issue-2782 167 9 intelligence intelligence NOUN issue-2782 167 10 in in ADP issue-2782 167 11 the the DET issue-2782 167 12 work work NOUN issue-2782 167 13 of of ADP issue-2782 167 14 insurance insurance NOUN issue-2782 167 15 companies company NOUN issue-2782 167 16 as as ADP issue-2782 167 17 with with ADP issue-2782 167 18 any any DET issue-2782 167 19 technology technology NOUN issue-2782 167 20 , , PUNCT issue-2782 167 21 the the DET issue-2782 167 22 implementation implementation NOUN issue-2782 167 23 of of ADP issue-2782 167 24 ai ai NOUN issue-2782 167 25 has have VERB issue-2782 167 26 both both DET issue-2782 167 27 advantages advantage NOUN issue-2782 167 28 and and CCONJ issue-2782 167 29 disadvantages disadvantage NOUN issue-2782 167 30 . . PUNCT issue-2782 168 1 in in ADP issue-2782 168 2 the the DET issue-2782 168 3 context context NOUN issue-2782 168 4 of of ADP issue-2782 168 5 insurance insurance NOUN issue-2782 168 6 companies company NOUN issue-2782 168 7 , , PUNCT issue-2782 168 8 the the DET issue-2782 168 9 advantages advantage NOUN issue-2782 168 10 are be AUX issue-2782 168 11 predominantly predominantly ADV issue-2782 168 12 associated associate VERB issue-2782 168 13 with with ADP issue-2782 168 14 enhancing enhance VERB issue-2782 168 15 operational operational ADJ issue-2782 168 16 efficiency efficiency NOUN issue-2782 168 17 , , PUNCT issue-2782 168 18 expanding expand VERB issue-2782 168 19 the the DET issue-2782 168 20 client client NOUN issue-2782 168 21 base base NOUN issue-2782 168 22 , , PUNCT issue-2782 168 23 diversifying diversify VERB issue-2782 168 24 financial financial ADJ issue-2782 168 25 services service NOUN issue-2782 168 26 , , PUNCT issue-2782 168 27 and and CCONJ issue-2782 168 28 , , PUNCT issue-2782 168 29 consequently consequently ADV issue-2782 168 30 , , PUNCT issue-2782 168 31 increasing increase VERB issue-2782 168 32 the the DET issue-2782 168 33 volume volume NOUN issue-2782 168 34 of of ADP issue-2782 168 35 insurance insurance NOUN issue-2782 168 36 premiums premium NOUN issue-2782 168 37 attracted attract VERB issue-2782 168 38 . . PUNCT issue-2782 169 1 threats threat NOUN issue-2782 169 2 are be AUX issue-2782 169 3 primarily primarily ADV issue-2782 169 4 caused cause VERB issue-2782 169 5 by by ADP issue-2782 169 6 the the DET issue-2782 169 7 specifics specific NOUN issue-2782 169 8 of of ADP issue-2782 169 9 the the DET issue-2782 169 10 ai ai NOUN issue-2782 169 11 technology technology NOUN issue-2782 169 12 itself itself PRON issue-2782 169 13 , , PUNCT issue-2782 169 14 so so CCONJ issue-2782 169 15 there there PRON issue-2782 169 16 is be VERB issue-2782 169 17 an an DET issue-2782 169 18 urgent urgent ADJ issue-2782 169 19 need need NOUN issue-2782 169 20 to to PART issue-2782 169 21 ensure ensure VERB issue-2782 169 22 the the DET issue-2782 169 23 cybersecurity cybersecurity NOUN issue-2782 169 24 of of ADP issue-2782 169 25 insurance insurance NOUN issue-2782 169 26 companies company NOUN issue-2782 169 27 when when SCONJ issue-2782 169 28 using use VERB issue-2782 169 29 it it PRON issue-2782 169 30 , , PUNCT issue-2782 169 31 the the DET issue-2782 169 32 need need NOUN issue-2782 169 33 to to PART issue-2782 169 34 be be AUX issue-2782 169 35 able able ADJ issue-2782 169 36 to to PART issue-2782 169 37 use use VERB issue-2782 169 38 it it PRON issue-2782 169 39 , , PUNCT issue-2782 169 40 taking take VERB issue-2782 169 41 into into ADP issue-2782 169 42 account account NOUN issue-2782 169 43 all all DET issue-2782 169 44 the the DET issue-2782 169 45 necessary necessary ADJ issue-2782 169 46 resources resource NOUN issue-2782 169 47 . . PUNCT issue-2782 170 1 in in ADP issue-2782 170 2 agreement agreement NOUN issue-2782 170 3 with with ADP issue-2782 170 4 olena olena PROPN issue-2782 170 5 zhuravel zhuravel PROPN issue-2782 170 6 's 's PART issue-2782 170 7 perspective perspective NOUN issue-2782 170 8 , , PUNCT issue-2782 170 9 the the DET issue-2782 170 10 utilisation utilisation NOUN issue-2782 170 11 of of ADP issue-2782 170 12 ai ai NOUN issue-2782 170 13 is be AUX issue-2782 170 14 contingent contingent ADJ issue-2782 170 15 upon upon SCONJ issue-2782 170 16 the the DET issue-2782 170 17 willingness willingness NOUN issue-2782 170 18 of of ADP issue-2782 170 19 insurance insurance NOUN issue-2782 170 20 companies company NOUN issue-2782 170 21 to to PART issue-2782 170 22 adopt adopt VERB issue-2782 170 23 this this DET issue-2782 170 24 technology technology NOUN issue-2782 170 25 . . PUNCT issue-2782 171 1 the the DET issue-2782 171 2 present present ADJ issue-2782 171 3 study study NOUN issue-2782 171 4 investigates investigate VERB issue-2782 171 5 the the DET issue-2782 171 6 extent extent NOUN issue-2782 171 7 to to PART issue-2782 171 8 which which PRON issue-2782 171 9 companies company NOUN issue-2782 171 10 within within ADP issue-2782 171 11 the the DET issue-2782 171 12 insurance insurance NOUN issue-2782 171 13 industry industry NOUN issue-2782 171 14 are be AUX issue-2782 171 15 prepared prepare VERB issue-2782 171 16 to to PART issue-2782 171 17 adopt adopt VERB issue-2782 171 18 and and CCONJ issue-2782 171 19 integrate integrate VERB issue-2782 171 20 artificial artificial ADJ issue-2782 171 21 intelligence intelligence NOUN issue-2782 171 22 technologies technology NOUN issue-2782 171 23 . . PUNCT issue-2782 172 1 this this DET issue-2782 172 2 assessment assessment NOUN issue-2782 172 3 encompasses encompass VERB issue-2782 172 4 evaluating evaluate VERB issue-2782 172 5 the the DET issue-2782 172 6 current current ADJ issue-2782 172 7 technological technological ADJ issue-2782 172 8 infrastructure infrastructure NOUN issue-2782 172 9 , , PUNCT issue-2782 172 10 workforce workforce NOUN issue-2782 172 11 competencies competency NOUN issue-2782 172 12 , , PUNCT issue-2782 172 13 data datum NOUN issue-2782 172 14 quality quality NOUN issue-2782 172 15 , , PUNCT issue-2782 172 16 and and CCONJ issue-2782 172 17 regulatory regulatory ADJ issue-2782 172 18 compliance compliance NOUN issue-2782 172 19 . . PUNCT issue-2782 173 1 the the DET issue-2782 173 2 implementation implementation NOUN issue-2782 173 3 of of ADP issue-2782 173 4 ai ai ADJ issue-2782 173 5 solutions solution NOUN issue-2782 173 6 by by ADP issue-2782 173 7 insurers insurer NOUN issue-2782 173 8 is be AUX issue-2782 173 9 facilitated facilitate VERB issue-2782 173 10 by by ADP issue-2782 173 11 ai ai PRON issue-2782 173 12 availability availability NOUN issue-2782 173 13 , , PUNCT issue-2782 173 14 leading lead VERB issue-2782 173 15 to to ADP issue-2782 173 16 enhanced enhanced ADJ issue-2782 173 17 efficiency efficiency NOUN issue-2782 173 18 and and CCONJ issue-2782 173 19 improved improve VERB issue-2782 173 20 customer customer NOUN issue-2782 173 21 service service NOUN issue-2782 173 22 ( ( PUNCT issue-2782 173 23 binariks binariks NOUN issue-2782 173 24 , , PUNCT issue-2782 173 25 2024 2024 NUM issue-2782 173 26 ) ) PUNCT issue-2782 173 27 . . PUNCT issue-2782 174 1 figure figure VERB issue-2782 174 2 5 5 NUM issue-2782 174 3 presents present VERB issue-2782 174 4 the the DET issue-2782 174 5 benefits benefit NOUN issue-2782 174 6 of of ADP issue-2782 174 7 using use VERB issue-2782 174 8 ai ai NOUN issue-2782 174 9 in in ADP issue-2782 174 10 the the DET issue-2782 174 11 work work NOUN issue-2782 174 12 of of ADP issue-2782 174 13 insurance insurance NOUN issue-2782 174 14 companies company NOUN issue-2782 174 15 . . PUNCT issue-2782 175 1 in in ADP issue-2782 175 2 the the DET issue-2782 175 3 authors author NOUN issue-2782 175 4 ' ' PART issue-2782 175 5 opinion opinion NOUN issue-2782 175 6 , , PUNCT issue-2782 175 7 the the DET issue-2782 175 8 disadvantages disadvantage NOUN issue-2782 175 9 of of ADP issue-2782 175 10 using use VERB issue-2782 175 11 this this DET issue-2782 175 12 technology technology NOUN issue-2782 175 13 in in ADP issue-2782 175 14 the the DET issue-2782 175 15 work work NOUN issue-2782 175 16 of of ADP issue-2782 175 17 insurers insurer NOUN issue-2782 175 18 include include VERB issue-2782 175 19 the the DET issue-2782 175 20 following follow VERB issue-2782 175 21 : : PUNCT issue-2782 175 22 – – PUNCT issue-2782 175 23 the the DET issue-2782 175 24 need need NOUN issue-2782 175 25 to to PART issue-2782 175 26 improve improve VERB issue-2782 175 27 the the DET issue-2782 175 28 level level NOUN issue-2782 175 29 of of ADP issue-2782 175 30 cybersecurity cybersecurity NOUN issue-2782 175 31 of of ADP issue-2782 175 32 insurance insurance NOUN issue-2782 175 33 companies company NOUN issue-2782 175 34 , , PUNCT issue-2782 175 35 which which PRON issue-2782 175 36 requires require VERB issue-2782 175 37 significant significant ADJ issue-2782 175 38 financial financial ADJ issue-2782 175 39 resources resource NOUN issue-2782 175 40 ; ; PUNCT issue-2782 175 41 – – PUNCT issue-2782 175 42 the the DET issue-2782 175 43 necessity necessity NOUN issue-2782 175 44 to to PART issue-2782 175 45 improve improve VERB issue-2782 175 46 the the DET issue-2782 175 47 skills skill NOUN issue-2782 175 48 of of ADP issue-2782 175 49 employees employee NOUN issue-2782 175 50 and and CCONJ issue-2782 175 51 train train VERB issue-2782 175 52 them they PRON issue-2782 175 53 to to PART issue-2782 175 54 use use VERB issue-2782 175 55 ai ai NOUN issue-2782 175 56 in in ADP issue-2782 175 57 their their PRON issue-2782 175 58 work work NOUN issue-2782 175 59 ; ; PUNCT issue-2782 175 60 – – PUNCT issue-2782 175 61 the the DET issue-2782 175 62 requirement requirement NOUN issue-2782 175 63 to to PART issue-2782 175 64 hire hire VERB issue-2782 175 65 highly highly ADV issue-2782 175 66 qualified qualified ADJ issue-2782 175 67 personnel personnel NOUN issue-2782 175 68 to to PART issue-2782 175 69 develop develop VERB issue-2782 175 70 mechanisms mechanism NOUN issue-2782 175 71 for for ADP issue-2782 175 72 implementing implement VERB issue-2782 175 73 and and CCONJ issue-2782 175 74 supporting support VERB issue-2782 175 75 ai ai NOUN issue-2782 175 76 in in ADP issue-2782 175 77 the the DET issue-2782 175 78 work work NOUN issue-2782 175 79 of of ADP issue-2782 175 80 insurers insurer NOUN issue-2782 175 81 , , PUNCT issue-2782 175 82 which which PRON issue-2782 175 83 requires require VERB issue-2782 175 84 additional additional ADJ issue-2782 175 85 and and CCONJ issue-2782 175 86 ongoing ongoing ADJ issue-2782 175 87 financial financial ADJ issue-2782 175 88 costs cost NOUN issue-2782 175 89 ; ; PUNCT issue-2782 175 90 baltic baltic ADJ issue-2782 175 91 journal journal PROPN issue-2782 175 92 of of ADP issue-2782 175 93 economic economic ADJ issue-2782 175 94 studies study NOUN issue-2782 175 95 337 337 NUM issue-2782 175 96 vol vol NOUN issue-2782 175 97 . . PUNCT issue-2782 175 98 11 11 NUM issue-2782 176 1 no no NOUN issue-2782 176 2 . . NOUN issue-2782 176 3 1 1 NUM issue-2782 176 4 , , PUNCT issue-2782 176 5 2025 2025 NUM issue-2782 176 6 – – PUNCT issue-2782 176 7 the the DET issue-2782 176 8 use use NOUN issue-2782 176 9 of of ADP issue-2782 176 10 ai ai NOUN issue-2782 176 11 may may AUX issue-2782 176 12 violate violate VERB issue-2782 176 13 the the DET issue-2782 176 14 individual individual ADJ issue-2782 176 15 information information NOUN issue-2782 176 16 security security NOUN issue-2782 176 17 of of ADP issue-2782 176 18 customers customer NOUN issue-2782 176 19 , , PUNCT issue-2782 176 20 access access NOUN issue-2782 176 21 to to ADP issue-2782 176 22 their their PRON issue-2782 176 23 personal personal ADJ issue-2782 176 24 data datum NOUN issue-2782 176 25 and and CCONJ issue-2782 176 26 confidential confidential ADJ issue-2782 176 27 information information NOUN issue-2782 176 28 , , PUNCT issue-2782 176 29 which which PRON issue-2782 176 30 may may AUX issue-2782 176 31 also also ADV issue-2782 176 32 affect affect VERB issue-2782 176 33 the the DET issue-2782 176 34 protection protection NOUN issue-2782 176 35 of of ADP issue-2782 176 36 customer customer NOUN issue-2782 176 37 rights right NOUN issue-2782 176 38 ; ; PUNCT issue-2782 176 39 – – PUNCT issue-2782 176 40 possible possible ADJ issue-2782 176 41 dependence dependence NOUN issue-2782 176 42 on on ADP issue-2782 176 43 the the DET issue-2782 176 44 use use NOUN issue-2782 176 45 of of ADP issue-2782 176 46 ai ai NOUN issue-2782 176 47 , , PUNCT issue-2782 176 48 which which PRON issue-2782 176 49 will will AUX issue-2782 176 50 be be AUX issue-2782 176 51 difficult difficult ADJ issue-2782 176 52 to to PART issue-2782 176 53 minimise minimise VERB issue-2782 176 54 in in ADP issue-2782 176 55 the the DET issue-2782 176 56 future future NOUN issue-2782 176 57 if if SCONJ issue-2782 176 58 this this DET issue-2782 176 59 technology technology NOUN issue-2782 176 60 is be AUX issue-2782 176 61 used use VERB issue-2782 176 62 inefficiently inefficiently ADV issue-2782 176 63 ; ; PUNCT issue-2782 176 64 – – PUNCT issue-2782 176 65 technological technological ADJ issue-2782 176 66 imperfections imperfection NOUN issue-2782 176 67 can can AUX issue-2782 176 68 also also ADV issue-2782 176 69 affect affect VERB issue-2782 176 70 the the DET issue-2782 176 71 quality quality NOUN issue-2782 176 72 of of ADP issue-2782 176 73 insurance insurance NOUN issue-2782 176 74 services service NOUN issue-2782 176 75 and and CCONJ issue-2782 176 76 information information NOUN issue-2782 176 77 support support NOUN issue-2782 176 78 for for ADP issue-2782 176 79 customers customer NOUN issue-2782 176 80 who who PRON issue-2782 176 81 do do AUX issue-2782 176 82 not not PART issue-2782 176 83 trust trust VERB issue-2782 176 84 chatbots chatbot NOUN issue-2782 176 85 and and CCONJ issue-2782 176 86 individual individual ADJ issue-2782 176 87 virtual virtual ADJ issue-2782 176 88 assistants assistant NOUN issue-2782 176 89 enough enough ADV issue-2782 176 90 ; ; PUNCT issue-2782 176 91 – – PUNCT issue-2782 176 92 the the DET issue-2782 176 93 responsibility responsibility NOUN issue-2782 176 94 for for ADP issue-2782 176 95 all all DET issue-2782 176 96 erroneous erroneous ADJ issue-2782 176 97 decisions decision NOUN issue-2782 176 98 and and CCONJ issue-2782 176 99 their their PRON issue-2782 176 100 consequences consequence NOUN issue-2782 176 101 related relate VERB issue-2782 176 102 to to ADP issue-2782 176 103 the the DET issue-2782 176 104 use use NOUN issue-2782 176 105 of of ADP issue-2782 176 106 ai ai ADJ issue-2782 176 107 rests rest NOUN issue-2782 176 108 solely solely ADV issue-2782 176 109 with with ADP issue-2782 176 110 the the DET issue-2782 176 111 insurance insurance NOUN issue-2782 176 112 company company NOUN issue-2782 176 113 , , PUNCT issue-2782 176 114 which which PRON issue-2782 176 115 may may AUX issue-2782 176 116 lead lead VERB issue-2782 176 117 to to ADP issue-2782 176 118 additional additional ADJ issue-2782 176 119 financial financial ADJ issue-2782 176 120 costs cost NOUN issue-2782 176 121 ; ; PUNCT issue-2782 176 122 – – PUNCT issue-2782 176 123 the the DET issue-2782 176 124 development development NOUN issue-2782 176 125 of of ADP issue-2782 176 126 further further ADJ issue-2782 176 127 legislative legislative ADJ issue-2782 176 128 regulation regulation NOUN issue-2782 176 129 of of ADP issue-2782 176 130 ai ai NOUN issue-2782 176 131 in in ADP issue-2782 176 132 insurance insurance NOUN issue-2782 176 133 companies company NOUN issue-2782 176 134 may may AUX issue-2782 176 135 limit limit VERB issue-2782 176 136 the the DET issue-2782 176 137 potential potential NOUN issue-2782 176 138 for for ADP issue-2782 176 139 using use VERB issue-2782 176 140 these these DET issue-2782 176 141 technologies technology NOUN issue-2782 176 142 and and CCONJ issue-2782 176 143 thus thus ADV issue-2782 176 144 affect affect VERB issue-2782 176 145 the the DET issue-2782 176 146 figure figure NOUN issue-2782 176 147 5 5 NUM issue-2782 176 148 . . PUNCT issue-2782 176 149 advantages advantage NOUN issue-2782 176 150 of of ADP issue-2782 176 151 using use VERB issue-2782 176 152 artificial artificial ADJ issue-2782 176 153 intelligence intelligence NOUN issue-2782 176 154 technology technology NOUN issue-2782 176 155 in in ADP issue-2782 176 156 the the DET issue-2782 176 157 work work NOUN issue-2782 176 158 of of ADP issue-2782 176 159 insurance insurance NOUN issue-2782 176 160 companies company NOUN issue-2782 176 161 source source NOUN issue-2782 176 162 : : PUNCT issue-2782 176 163 compiled compile VERB issue-2782 176 164 by by ADP issue-2782 176 165 the the DET issue-2782 176 166 authors author NOUN issue-2782 176 167 reduced reduce VERB issue-2782 176 168 operating operating NOUN issue-2782 176 169 costs cost NOUN issue-2782 176 170 for for ADP issue-2782 176 171 insurance insurance NOUN issue-2782 176 172 companies company NOUN issue-2782 176 173 in in ADP issue-2782 176 174 the the DET issue-2782 176 175 long long ADJ issue-2782 176 176 term term NOUN issue-2782 176 177 , , PUNCT issue-2782 176 178 as as SCONJ issue-2782 176 179 a a DET issue-2782 176 180 significant significant ADJ issue-2782 176 181 number number NOUN issue-2782 176 182 of of ADP issue-2782 176 183 internal internal ADJ issue-2782 176 184 processes process NOUN issue-2782 176 185 can can AUX issue-2782 176 186 be be AUX issue-2782 176 187 automated automate VERB issue-2782 176 188 , , PUNCT issue-2782 176 189 including include VERB issue-2782 176 190 some some PRON issue-2782 176 191 that that PRON issue-2782 176 192 previously previously ADV issue-2782 176 193 required require VERB issue-2782 176 194 direct direct ADJ issue-2782 176 195 involvement involvement NOUN issue-2782 176 196 of of ADP issue-2782 176 197 employees employee NOUN issue-2782 176 198 in in ADP issue-2782 176 199 their their PRON issue-2782 176 200 organisation organisation NOUN issue-2782 176 201 . . PUNCT issue-2782 177 1 potential potential ADJ issue-2782 177 2 increase increase NOUN issue-2782 177 3 in in ADP issue-2782 177 4 sales sale NOUN issue-2782 177 5 of of ADP issue-2782 177 6 insurance insurance NOUN issue-2782 177 7 products product NOUN issue-2782 177 8 by by ADP issue-2782 177 9 changing change VERB issue-2782 177 10 approaches approach NOUN issue-2782 177 11 to to ADP issue-2782 177 12 their their PRON issue-2782 177 13 implementation implementation NOUN issue-2782 177 14 , , PUNCT issue-2782 177 15 namely namely ADV issue-2782 177 16 improving improve VERB issue-2782 177 17 the the DET issue-2782 177 18 marketing marketing NOUN issue-2782 177 19 mechanisms mechanism NOUN issue-2782 177 20 for for ADP issue-2782 177 21 such such ADJ issue-2782 177 22 products product NOUN issue-2782 177 23 based base VERB issue-2782 177 24 on on ADP issue-2782 177 25 a a DET issue-2782 177 26 detailed detailed ADJ issue-2782 177 27 analysis analysis NOUN issue-2782 177 28 of of ADP issue-2782 177 29 established establish VERB issue-2782 177 30 patterns pattern NOUN issue-2782 177 31 of of ADP issue-2782 177 32 customer customer NOUN issue-2782 177 33 insurance insurance NOUN issue-2782 177 34 behaviour behaviour NOUN issue-2782 177 35 , , PUNCT issue-2782 177 36 developing develop VERB issue-2782 177 37 personalised personalised ADJ issue-2782 177 38 insurance insurance NOUN issue-2782 177 39 products product NOUN issue-2782 177 40 for for ADP issue-2782 177 41 certain certain ADJ issue-2782 177 42 categories category NOUN issue-2782 177 43 of of ADP issue-2782 177 44 consumers consumer NOUN issue-2782 177 45 . . PUNCT issue-2782 178 1 improving improve VERB issue-2782 178 2 the the DET issue-2782 178 3 efficiency efficiency NOUN issue-2782 178 4 of of ADP issue-2782 178 5 insurance insurance NOUN issue-2782 178 6 risk risk NOUN issue-2782 178 7 assessment assessment NOUN issue-2782 178 8 based base VERB issue-2782 178 9 on on ADP issue-2782 178 10 a a DET issue-2782 178 11 significant significant ADJ issue-2782 178 12 amount amount NOUN issue-2782 178 13 of of ADP issue-2782 178 14 information information NOUN issue-2782 178 15 about about ADP issue-2782 178 16 customers customer NOUN issue-2782 178 17 , , PUNCT issue-2782 178 18 their their PRON issue-2782 178 19 insurance insurance NOUN issue-2782 178 20 history history NOUN issue-2782 178 21 , , PUNCT issue-2782 178 22 financial financial ADJ issue-2782 178 23 position position NOUN issue-2782 178 24 and and CCONJ issue-2782 178 25 other other ADJ issue-2782 178 26 publicly publicly ADV issue-2782 178 27 available available ADJ issue-2782 178 28 information information NOUN issue-2782 178 29 , , PUNCT issue-2782 178 30 and and CCONJ issue-2782 178 31 improving improve VERB issue-2782 178 32 the the DET issue-2782 178 33 underwriting underwriting NOUN issue-2782 178 34 process process NOUN issue-2782 178 35 . . PUNCT issue-2782 179 1 determine determine VERB issue-2782 179 2 the the DET issue-2782 179 3 amount amount NOUN issue-2782 179 4 of of ADP issue-2782 179 5 technical technical ADJ issue-2782 179 6 provisions provision NOUN issue-2782 179 7 more more ADV issue-2782 179 8 correctly correctly ADV issue-2782 179 9 and and CCONJ issue-2782 179 10 clearly clearly ADV issue-2782 179 11 . . PUNCT issue-2782 180 1 acceleration acceleration NOUN issue-2782 180 2 of of ADP issue-2782 180 3 the the DET issue-2782 180 4 management management NOUN issue-2782 180 5 decision decision NOUN issue-2782 180 6 - - PUNCT issue-2782 180 7 making make VERB issue-2782 180 8 process process NOUN issue-2782 180 9 based base VERB issue-2782 180 10 on on ADP issue-2782 180 11 a a DET issue-2782 180 12 thorough thorough ADJ issue-2782 180 13 analysis analysis NOUN issue-2782 180 14 of of ADP issue-2782 180 15 information information NOUN issue-2782 180 16 on on ADP issue-2782 180 17 insurance insurance NOUN issue-2782 180 18 claims claim NOUN issue-2782 180 19 , , PUNCT issue-2782 180 20 reduction reduction NOUN issue-2782 180 21 of of ADP issue-2782 180 22 the the DET issue-2782 180 23 time time NOUN issue-2782 180 24 for for ADP issue-2782 180 25 issuing issue VERB issue-2782 180 26 insurance insurance NOUN issue-2782 180 27 policies policy NOUN issue-2782 180 28 . . PUNCT issue-2782 181 1 improving improve VERB issue-2782 181 2 the the DET issue-2782 181 3 quality quality NOUN issue-2782 181 4 of of ADP issue-2782 181 5 insurance insurance NOUN issue-2782 181 6 services service NOUN issue-2782 181 7 , , PUNCT issue-2782 181 8 accelerating accelerate VERB issue-2782 181 9 insurance insurance NOUN issue-2782 181 10 payments payment NOUN issue-2782 181 11 through through ADP issue-2782 181 12 faster fast ADJ issue-2782 181 13 processing processing NOUN issue-2782 181 14 of of ADP issue-2782 181 15 information information NOUN issue-2782 181 16 about about ADP issue-2782 181 17 clients client NOUN issue-2782 181 18 and and CCONJ issue-2782 181 19 insured insured ADJ issue-2782 181 20 events event NOUN issue-2782 181 21 . . PUNCT issue-2782 182 1 providing provide VERB issue-2782 182 2 better well ADJ issue-2782 182 3 information information NOUN issue-2782 182 4 support support NOUN issue-2782 182 5 to to ADP issue-2782 182 6 customers customer NOUN issue-2782 182 7 through through ADP issue-2782 182 8 the the DET issue-2782 182 9 use use NOUN issue-2782 182 10 of of ADP issue-2782 182 11 chatbots chatbot NOUN issue-2782 182 12 and and CCONJ issue-2782 182 13 personal personal ADJ issue-2782 182 14 assistants assistant NOUN issue-2782 182 15 , , PUNCT issue-2782 182 16 which which PRON issue-2782 182 17 are be AUX issue-2782 182 18 constantly constantly ADV issue-2782 182 19 being be AUX issue-2782 182 20 improved improve VERB issue-2782 182 21 . . PUNCT issue-2782 183 1 continuous continuous ADJ issue-2782 183 2 analysis analysis NOUN issue-2782 183 3 of of ADP issue-2782 183 4 the the DET issue-2782 183 5 economic economic ADJ issue-2782 183 6 condition condition NOUN issue-2782 183 7 of of ADP issue-2782 183 8 insurance insurance NOUN issue-2782 183 9 companies company NOUN issue-2782 183 10 allows allow VERB issue-2782 183 11 for for ADP issue-2782 183 12 a a DET issue-2782 183 13 deeper deep ADJ issue-2782 183 14 analysis analysis NOUN issue-2782 183 15 of of ADP issue-2782 183 16 this this DET issue-2782 183 17 condition condition NOUN issue-2782 183 18 and and CCONJ issue-2782 183 19 identification identification NOUN issue-2782 183 20 of of ADP issue-2782 183 21 potential potential ADJ issue-2782 183 22 risks risk NOUN issue-2782 183 23 of of ADP issue-2782 183 24 new new ADJ issue-2782 183 25 unforeseen unforeseen ADJ issue-2782 183 26 internal internal ADJ issue-2782 183 27 and and CCONJ issue-2782 183 28 external external ADJ issue-2782 183 29 threats threat NOUN issue-2782 183 30 that that PRON issue-2782 183 31 may may AUX issue-2782 183 32 adversely adversely ADV issue-2782 183 33 affect affect VERB issue-2782 183 34 their their PRON issue-2782 183 35 financial financial ADJ issue-2782 183 36 stability stability NOUN issue-2782 183 37 . . PUNCT issue-2782 184 1 obtaining obtain VERB issue-2782 184 2 more more ADJ issue-2782 184 3 objective objective ADJ issue-2782 184 4 and and CCONJ issue-2782 184 5 high high ADJ issue-2782 184 6 - - PUNCT issue-2782 184 7 quality quality NOUN issue-2782 184 8 information information NOUN issue-2782 184 9 on on ADP issue-2782 184 10 the the DET issue-2782 184 11 state state NOUN issue-2782 184 12 of of ADP issue-2782 184 13 the the DET issue-2782 184 14 insurance insurance NOUN issue-2782 184 15 market market NOUN issue-2782 184 16 , , PUNCT issue-2782 184 17 forecasting forecast VERB issue-2782 184 18 future future ADJ issue-2782 184 19 trends trend NOUN issue-2782 184 20 in in ADP issue-2782 184 21 its its PRON issue-2782 184 22 development development NOUN issue-2782 184 23 , , PUNCT issue-2782 184 24 and and CCONJ issue-2782 184 25 using use VERB issue-2782 184 26 such such ADJ issue-2782 184 27 information information NOUN issue-2782 184 28 in in ADP issue-2782 184 29 the the DET issue-2782 184 30 process process NOUN issue-2782 184 31 of of ADP issue-2782 184 32 formulating formulate VERB issue-2782 184 33 the the DET issue-2782 184 34 insurance insurance NOUN issue-2782 184 35 company company NOUN issue-2782 184 36 's 's PART issue-2782 184 37 development development NOUN issue-2782 184 38 strategy strategy NOUN issue-2782 184 39 . . PUNCT issue-2782 185 1 a a DET issue-2782 185 2 dv dv PROPN issue-2782 185 3 an an X issue-2782 185 4 ta ta X issue-2782 185 5 ge ge PROPN issue-2782 185 6 s s PART issue-2782 185 7 o o X issue-2782 185 8 f f X issue-2782 185 9 u u PROPN issue-2782 185 10 sin sin VERB issue-2782 185 11 g g PROPN issue-2782 185 12 ar ar PROPN issue-2782 185 13 tif tif PROPN issue-2782 185 14 ic ic PROPN issue-2782 185 15 ia ia PROPN issue-2782 186 1 l l NOUN issue-2782 187 1 i i PRON issue-2782 187 2 nt not PART issue-2782 187 3 el el PROPN issue-2782 187 4 lig lig PROPN issue-2782 187 5 en en PROPN issue-2782 187 6 ce ce PROPN issue-2782 187 7 te te PROPN issue-2782 187 8 ch ch PROPN issue-2782 187 9 no no INTJ issue-2782 187 10 lo lo NOUN issue-2782 187 11 gy gy VERB issue-2782 187 12 in in ADP issue-2782 187 13 th th NUM issue-2782 187 14 e e NOUN issue-2782 187 15 w w NOUN issue-2782 187 16 or or CCONJ issue-2782 187 17 k k X issue-2782 187 18 of of ADP issue-2782 187 19 in in ADP issue-2782 187 20 su su PROPN issue-2782 187 21 ra ra PROPN issue-2782 187 22 nc nc PROPN issue-2782 187 23 e e PROPN issue-2782 187 24 co co VERB issue-2782 187 25 m m PROPN issue-2782 187 26 pa pa PROPN issue-2782 187 27 ni ni PROPN issue-2782 187 28 es es PROPN issue-2782 187 29 baltic baltic PROPN issue-2782 187 30 journal journal PROPN issue-2782 187 31 of of ADP issue-2782 187 32 economic economic ADJ issue-2782 187 33 studies study NOUN issue-2782 187 34 338 338 NUM issue-2782 187 35 vol vol NOUN issue-2782 187 36 . . PUNCT issue-2782 188 1 11 11 NUM issue-2782 189 1 no no NOUN issue-2782 189 2 . . NOUN issue-2782 189 3 1 1 NUM issue-2782 189 4 , , PUNCT issue-2782 189 5 2025 2025 NUM issue-2782 189 6 companies company NOUN issue-2782 189 7 ' ' PART issue-2782 189 8 plans plan NOUN issue-2782 189 9 for for ADP issue-2782 189 10 further further ADJ issue-2782 189 11 digital digital ADJ issue-2782 189 12 transformation transformation NOUN issue-2782 189 13 ; ; PUNCT issue-2782 189 14     SPACE issue-2782 189 15 – – PUNCT issue-2782 189 16 ai ai AUX issue-2782 189 17 does do AUX issue-2782 189 18 not not PART issue-2782 189 19 have have VERB issue-2782 189 20 empathy empathy NOUN issue-2782 189 21 and and CCONJ issue-2782 189 22 does do AUX issue-2782 189 23 not not PART issue-2782 189 24 take take VERB issue-2782 189 25 into into ADP issue-2782 189 26 account account NOUN issue-2782 189 27 human human ADJ issue-2782 189 28 relations relation NOUN issue-2782 189 29 , , PUNCT issue-2782 189 30 which which PRON issue-2782 189 31 also also ADV issue-2782 189 32 affects affect VERB issue-2782 189 33 information information NOUN issue-2782 189 34 processing processing NOUN issue-2782 189 35 , , PUNCT issue-2782 189 36 but but CCONJ issue-2782 189 37 given give VERB issue-2782 189 38 these these DET issue-2782 189 39 factors factor NOUN issue-2782 189 40 , , PUNCT issue-2782 189 41 informal informal ADJ issue-2782 189 42 data datum NOUN issue-2782 189 43 is be AUX issue-2782 189 44 important important ADJ issue-2782 189 45 in in ADP issue-2782 189 46 the the DET issue-2782 189 47 activities activity NOUN issue-2782 189 48 of of ADP issue-2782 189 49 insurance insurance NOUN issue-2782 189 50 companies company NOUN issue-2782 189 51 ( ( PUNCT issue-2782 189 52 eiopa eiopa ADJ issue-2782 189 53 , , PUNCT issue-2782 189 54 2021 2021 NUM issue-2782 189 55 ) ) PUNCT issue-2782 189 56 ; ; PUNCT issue-2782 189 57 – – PUNCT issue-2782 189 58 іt іt INTJ issue-2782 189 59 is be AUX issue-2782 189 60 necessary necessary ADJ issue-2782 189 61 to to PART issue-2782 189 62 have have VERB issue-2782 189 63 an an DET issue-2782 189 64 appropriate appropriate ADJ issue-2782 189 65 level level NOUN issue-2782 189 66 of of ADP issue-2782 189 67 insurance insurance NOUN issue-2782 189 68 literacy literacy NOUN issue-2782 189 69 among among ADP issue-2782 189 70 customers customer NOUN issue-2782 189 71 and and CCONJ issue-2782 189 72 improve improve VERB issue-2782 189 73 their their PRON issue-2782 189 74 digital digital ADJ issue-2782 189 75 skills skill NOUN issue-2782 189 76 ; ; PUNCT issue-2782 189 77 – – PUNCT issue-2782 189 78 the the DET issue-2782 189 79 ability ability NOUN issue-2782 189 80 to to PART issue-2782 189 81 develop develop VERB issue-2782 189 82 surveys survey NOUN issue-2782 189 83 to to PART issue-2782 189 84 obtain obtain VERB issue-2782 189 85 feedback feedback NOUN issue-2782 189 86 from from ADP issue-2782 189 87 customers customer NOUN issue-2782 189 88 on on ADP issue-2782 189 89 the the DET issue-2782 189 90 quality quality NOUN issue-2782 189 91 of of ADP issue-2782 189 92 insurance insurance NOUN issue-2782 189 93 services service NOUN issue-2782 189 94 , , PUNCT issue-2782 189 95 with with ADP issue-2782 189 96 subsequent subsequent ADJ issue-2782 189 97 automatic automatic ADJ issue-2782 189 98 processing processing NOUN issue-2782 189 99 of of ADP issue-2782 189 100 the the DET issue-2782 189 101 results result NOUN issue-2782 189 102 of of ADP issue-2782 189 103 these these DET issue-2782 189 104 surveys survey NOUN issue-2782 189 105 ; ; PUNCT issue-2782 189 106 – – PUNCT issue-2782 189 107 possible possible ADJ issue-2782 189 108 discrimination discrimination NOUN issue-2782 189 109 of of ADP issue-2782 189 110 certain certain ADJ issue-2782 189 111 categories category NOUN issue-2782 189 112 of of ADP issue-2782 189 113 clients client NOUN issue-2782 189 114 and and CCONJ issue-2782 189 115 prohibition prohibition NOUN issue-2782 189 116 of of ADP issue-2782 189 117 selling sell VERB issue-2782 189 118 them they PRON issue-2782 189 119 different different ADJ issue-2782 189 120 types type NOUN issue-2782 189 121 of of ADP issue-2782 189 122 insurance insurance NOUN issue-2782 189 123 products product NOUN issue-2782 189 124 ( ( PUNCT issue-2782 189 125 lázaro lázaro NOUN issue-2782 189 126 cuesta cuesta PROPN issue-2782 189 127 barber barber PROPN issue-2782 189 128 , , PUNCT issue-2782 189 129 2024 2024 NUM issue-2782 189 130 ) ) PUNCT issue-2782 189 131 . . PUNCT issue-2782 190 1 7 7 X issue-2782 190 2 . . X issue-2782 190 3 artificial artificial ADJ issue-2782 190 4 intelligence intelligence NOUN issue-2782 190 5 and and CCONJ issue-2782 190 6 the the DET issue-2782 190 7 future future NOUN issue-2782 190 8 of of ADP issue-2782 190 9 the the DET issue-2782 190 10 insurance insurance NOUN issue-2782 190 11 market market NOUN issue-2782 190 12 thus thus ADV issue-2782 190 13 , , PUNCT issue-2782 190 14 today today NOUN issue-2782 190 15 ai ai INTJ issue-2782 190 16 is be AUX issue-2782 190 17 becoming become VERB issue-2782 190 18 one one NUM issue-2782 190 19 of of ADP issue-2782 190 20 the the DET issue-2782 190 21 leading lead VERB issue-2782 190 22 digital digital ADJ issue-2782 190 23 technologies technology NOUN issue-2782 190 24 actively actively ADV issue-2782 190 25 used use VERB issue-2782 190 26 by by ADP issue-2782 190 27 insurance insurance NOUN issue-2782 190 28 companies company NOUN issue-2782 190 29 to to PART issue-2782 190 30 increase increase VERB issue-2782 190 31 their their PRON issue-2782 190 32 own own ADJ issue-2782 190 33 efficiency efficiency NOUN issue-2782 190 34 and and CCONJ issue-2782 190 35 ensure ensure VERB issue-2782 190 36 competitiveness competitiveness NOUN issue-2782 190 37 in in ADP issue-2782 190 38 the the DET issue-2782 190 39 complex complex ADJ issue-2782 190 40 and and CCONJ issue-2782 190 41 quite quite ADV issue-2782 190 42 dynamic dynamic ADJ issue-2782 190 43 market market NOUN issue-2782 190 44 of of ADP issue-2782 190 45 insurance insurance NOUN issue-2782 190 46 services service NOUN issue-2782 190 47 . . PUNCT issue-2782 191 1 in in ADP issue-2782 191 2 the the DET issue-2782 191 3 future future NOUN issue-2782 191 4 , , PUNCT issue-2782 191 5 as as SCONJ issue-2782 191 6 mentioned mention VERB issue-2782 191 7 above above ADV issue-2782 191 8 , , PUNCT issue-2782 191 9 this this DET issue-2782 191 10 technology technology NOUN issue-2782 191 11 will will AUX issue-2782 191 12 continue continue VERB issue-2782 191 13 to to PART issue-2782 191 14 develop develop VERB issue-2782 191 15 and and CCONJ issue-2782 191 16 adapt adapt VERB issue-2782 191 17 to to ADP issue-2782 191 18 the the DET issue-2782 191 19 specifics specific NOUN issue-2782 191 20 of of ADP issue-2782 191 21 the the DET issue-2782 191 22 economic economic ADJ issue-2782 191 23 activities activity NOUN issue-2782 191 24 of of ADP issue-2782 191 25 insurance insurance NOUN issue-2782 191 26 companies company NOUN issue-2782 191 27 . . PUNCT issue-2782 192 1 it it PRON issue-2782 192 2 will will AUX issue-2782 192 3 be be AUX issue-2782 192 4 combined combine VERB issue-2782 192 5 with with ADP issue-2782 192 6 other other ADJ issue-2782 192 7 digital digital ADJ issue-2782 192 8 technologies technology NOUN issue-2782 192 9 in in ADP issue-2782 192 10 order order NOUN issue-2782 192 11 to to PART issue-2782 192 12 achieve achieve VERB issue-2782 192 13 the the DET issue-2782 192 14 best good ADJ issue-2782 192 15 results result NOUN issue-2782 192 16 from from ADP issue-2782 192 17 the the DET issue-2782 192 18 digitalisation digitalisation NOUN issue-2782 192 19 of of ADP issue-2782 192 20 the the DET issue-2782 192 21 specified specified ADJ issue-2782 192 22 companies company NOUN issue-2782 192 23 . . PUNCT issue-2782 193 1 insurance insurance NOUN issue-2782 193 2 executives executive NOUN issue-2782 193 3 noted note VERB issue-2782 193 4 that that SCONJ issue-2782 193 5 the the DET issue-2782 193 6 largest large ADJ issue-2782 193 7 investments investment NOUN issue-2782 193 8 have have AUX issue-2782 193 9 already already ADV issue-2782 193 10 been be AUX issue-2782 193 11 made make VERB issue-2782 193 12 in in ADP issue-2782 193 13 cloud cloud NOUN issue-2782 193 14 technologies technology NOUN issue-2782 193 15 , , PUNCT issue-2782 193 16 which which PRON issue-2782 193 17 is be AUX issue-2782 193 18 understandable understandable ADJ issue-2782 193 19 . . PUNCT issue-2782 194 1 accordingly accordingly ADV issue-2782 194 2 , , PUNCT issue-2782 194 3 they they PRON issue-2782 194 4 plan plan VERB issue-2782 194 5 to to PART issue-2782 194 6 invest invest VERB issue-2782 194 7 less less ADJ issue-2782 194 8 in in ADP issue-2782 194 9 these these DET issue-2782 194 10 technologies technology NOUN issue-2782 194 11 in in ADP issue-2782 194 12 the the DET issue-2782 194 13 future future NOUN issue-2782 194 14 . . PUNCT issue-2782 195 1 at at ADP issue-2782 195 2 the the DET issue-2782 195 3 same same ADJ issue-2782 195 4 time time NOUN issue-2782 195 5 , , PUNCT issue-2782 195 6 it it PRON issue-2782 195 7 is be AUX issue-2782 195 8 in in ADP issue-2782 195 9 ai ai PRON issue-2782 195 10 technology technology NOUN issue-2782 195 11 that that SCONJ issue-2782 195 12 insurance insurance NOUN issue-2782 195 13 companies company NOUN issue-2782 195 14 plan plan VERB issue-2782 195 15 to to PART issue-2782 195 16 invest invest VERB issue-2782 195 17 in in ADP issue-2782 195 18 the the DET issue-2782 195 19 near near ADJ issue-2782 195 20 future future NOUN issue-2782 195 21 . . PUNCT issue-2782 196 1 significant significant ADJ issue-2782 196 2 investments investment NOUN issue-2782 196 3 are be AUX issue-2782 196 4 also also ADV issue-2782 196 5 planned plan VERB issue-2782 196 6 in in ADP issue-2782 196 7 the the DET issue-2782 196 8 automation automation NOUN issue-2782 196 9 of of ADP issue-2782 196 10 operational operational ADJ issue-2782 196 11 processes process NOUN issue-2782 196 12 and and CCONJ issue-2782 196 13 underwriting underwriting NOUN issue-2782 196 14 . . PUNCT issue-2782 197 1 however however ADV issue-2782 197 2 , , PUNCT issue-2782 197 3 it it PRON issue-2782 197 4 is be AUX issue-2782 197 5 clear clear ADJ issue-2782 197 6 that that SCONJ issue-2782 197 7 these these DET issue-2782 197 8 areas area NOUN issue-2782 197 9 will will AUX issue-2782 197 10 evolve evolve VERB issue-2782 197 11 in in ADP issue-2782 197 12 light light NOUN issue-2782 197 13 of of ADP issue-2782 197 14 ai ai ADJ issue-2782 197 15 capabilities capability NOUN issue-2782 197 16 . . PUNCT issue-2782 198 1 therefore therefore ADV issue-2782 198 2 , , PUNCT issue-2782 198 3 it it PRON issue-2782 198 4 can can AUX issue-2782 198 5 be be AUX issue-2782 198 6 argued argue VERB issue-2782 198 7 that that SCONJ issue-2782 198 8 the the DET issue-2782 198 9 development development NOUN issue-2782 198 10 of of ADP issue-2782 198 11 ai ai NOUN issue-2782 198 12 in in ADP issue-2782 198 13 insurance insurance NOUN issue-2782 198 14 companies company NOUN issue-2782 198 15 is be AUX issue-2782 198 16 also also ADV issue-2782 198 17 confirmed confirm VERB issue-2782 198 18 by by ADP issue-2782 198 19 the the DET issue-2782 198 20 willingness willingness NOUN issue-2782 198 21 of of ADP issue-2782 198 22 their their PRON issue-2782 198 23 executives executive NOUN issue-2782 198 24 to to PART issue-2782 198 25 invest invest VERB issue-2782 198 26 their their PRON issue-2782 198 27 own own ADJ issue-2782 198 28 funds fund NOUN issue-2782 198 29 in in ADP issue-2782 198 30 its its PRON issue-2782 198 31 application application NOUN issue-2782 198 32 . . PUNCT issue-2782 199 1 it it PRON issue-2782 199 2 is be AUX issue-2782 199 3 the the DET issue-2782 199 4 considered considered ADJ issue-2782 199 5 opinion opinion NOUN issue-2782 199 6 of of ADP issue-2782 199 7 leading lead VERB issue-2782 199 8 experts expert NOUN issue-2782 199 9 in in ADP issue-2782 199 10 the the DET issue-2782 199 11 field field NOUN issue-2782 199 12 of of ADP issue-2782 199 13 further further ADJ issue-2782 199 14 development development NOUN issue-2782 199 15 insurance insurance NOUN issue-2782 199 16 that that SCONJ issue-2782 199 17 the the DET issue-2782 199 18 active active ADJ issue-2782 199 19 involvement involvement NOUN issue-2782 199 20 of of ADP issue-2782 199 21 artificial artificial ADJ issue-2782 199 22 intelligence intelligence NOUN issue-2782 199 23 ( ( PUNCT issue-2782 199 24 ai ai NOUN issue-2782 199 25 ) ) PUNCT issue-2782 199 26 is be AUX issue-2782 199 27 indicative indicative ADJ issue-2782 199 28 of of ADP issue-2782 199 29 the the DET issue-2782 199 30 following follow VERB issue-2782 199 31 global global ADJ issue-2782 199 32 trends trend NOUN issue-2782 199 33 in in ADP issue-2782 199 34 its its PRON issue-2782 199 35 applications application NOUN issue-2782 199 36 , , PUNCT issue-2782 199 37 as as SCONJ issue-2782 199 38 illustrated illustrate VERB issue-2782 199 39 in in ADP issue-2782 199 40 figure figure NOUN issue-2782 199 41 6 6 NUM issue-2782 199 42 . . PUNCT issue-2782 200 1 thus thus ADV issue-2782 200 2 , , PUNCT issue-2782 200 3 it it PRON issue-2782 200 4 can can AUX issue-2782 200 5 be be AUX issue-2782 200 6 argued argue VERB issue-2782 200 7 that that SCONJ issue-2782 200 8 ai ai VERB issue-2782 200 9 allows allow NOUN issue-2782 200 10 creating create VERB issue-2782 200 11 new new ADJ issue-2782 200 12 impulses impulse NOUN issue-2782 200 13 for for ADP issue-2782 200 14 further further ADJ issue-2782 200 15 innovative innovative ADJ issue-2782 200 16 development development NOUN issue-2782 200 17 of of ADP issue-2782 200 18 insurance insurance NOUN issue-2782 200 19 companies company NOUN issue-2782 200 20 , , PUNCT issue-2782 200 21 virtualisation virtualisation NOUN issue-2782 200 22 of of ADP issue-2782 200 23 their their PRON issue-2782 200 24 work work NOUN issue-2782 200 25 based base VERB issue-2782 200 26 on on ADP issue-2782 200 27 adherence adherence NOUN issue-2782 200 28 to to ADP issue-2782 200 29 principles principle NOUN issue-2782 200 30 of of ADP issue-2782 200 31 personalisation personalisation NOUN issue-2782 200 32 , , PUNCT issue-2782 200 33 individualism individualism NOUN issue-2782 200 34 and and CCONJ issue-2782 200 35 transparency transparency NOUN issue-2782 200 36 . . PUNCT issue-2782 201 1 today today NOUN issue-2782 201 2 , , PUNCT issue-2782 201 3 this this DET issue-2782 201 4 technology technology NOUN issue-2782 201 5 is be AUX issue-2782 201 6 characterised characterise VERB issue-2782 201 7 by by ADP issue-2782 201 8 a a DET issue-2782 201 9 number number NOUN issue-2782 201 10 of of ADP issue-2782 201 11 risks risk NOUN issue-2782 201 12 and and CCONJ issue-2782 201 13 threats threat NOUN issue-2782 201 14 that that PRON issue-2782 201 15 can can AUX issue-2782 201 16 negatively negatively ADV issue-2782 201 17 affect affect VERB issue-2782 201 18 the the DET issue-2782 201 19 development development NOUN issue-2782 201 20 and and CCONJ issue-2782 201 21 functioning functioning NOUN issue-2782 201 22 of of ADP issue-2782 201 23 insurance insurance NOUN issue-2782 201 24 companies company NOUN issue-2782 201 25 . . PUNCT issue-2782 202 1 nevertheless nevertheless ADV issue-2782 202 2 , , PUNCT issue-2782 202 3 the the DET issue-2782 202 4 advantages advantage NOUN issue-2782 202 5 of of ADP issue-2782 202 6 digitalisation digitalisation NOUN issue-2782 202 7 , , PUNCT issue-2782 202 8 including include VERB issue-2782 202 9 the the DET issue-2782 202 10 utilisation utilisation NOUN issue-2782 202 11 of of ADP issue-2782 202 12 ai ai VERB issue-2782 202 13 in in ADP issue-2782 202 14 the the DET issue-2782 202 15 operations operation NOUN issue-2782 202 16 of of ADP issue-2782 202 17 these these DET issue-2782 202 18 companies company NOUN issue-2782 202 19 , , PUNCT issue-2782 202 20 are be AUX issue-2782 202 21 also also ADV issue-2782 202 22 substantial substantial ADJ issue-2782 202 23 , , PUNCT issue-2782 202 24 and and CCONJ issue-2782 202 25 their their PRON issue-2782 202 26 potential potential ADJ issue-2782 202 27 exceeds exceed VERB issue-2782 202 28 the the DET issue-2782 202 29 existing exist VERB issue-2782 202 30 risks risk NOUN issue-2782 202 31 associated associate VERB issue-2782 202 32 with with ADP issue-2782 202 33 the the DET issue-2782 202 34 use use NOUN issue-2782 202 35 of of ADP issue-2782 202 36 this this DET issue-2782 202 37 technology technology NOUN issue-2782 202 38 . . PUNCT issue-2782 203 1 as as ADP issue-2782 203 2 with with ADP issue-2782 203 3 other other ADJ issue-2782 203 4 components component NOUN issue-2782 203 5 of of ADP issue-2782 203 6 the the DET issue-2782 203 7 financial financial ADJ issue-2782 203 8 services service NOUN issue-2782 203 9 market market NOUN issue-2782 203 10 , , PUNCT issue-2782 203 11 ai ai VERB issue-2782 203 12 changes change NOUN issue-2782 203 13 the the DET issue-2782 203 14 established establish VERB issue-2782 203 15 model model NOUN issue-2782 203 16 of of ADP issue-2782 203 17 operation operation NOUN issue-2782 203 18 of of ADP issue-2782 203 19 insurance insurance NOUN issue-2782 203 20 companies company NOUN issue-2782 203 21 , , PUNCT issue-2782 203 22 the the DET issue-2782 203 23 process process NOUN issue-2782 203 24 of of ADP issue-2782 203 25 providing provide VERB issue-2782 203 26 them they PRON issue-2782 203 27 with with ADP issue-2782 203 28 insurance insurance NOUN issue-2782 203 29 services service NOUN issue-2782 203 30 , , PUNCT issue-2782 203 31 and and CCONJ issue-2782 203 32 thereby thereby ADV issue-2782 203 33 shapes shape VERB issue-2782 203 34 directions direction NOUN issue-2782 203 35 of of ADP issue-2782 203 36 digital digital ADJ issue-2782 203 37 transformation transformation NOUN issue-2782 203 38 of of ADP issue-2782 203 39 the the DET issue-2782 203 40 insurance insurance NOUN issue-2782 203 41 services service NOUN issue-2782 203 42 market market NOUN issue-2782 203 43 . . PUNCT issue-2782 204 1 8 8 X issue-2782 204 2 . . PUNCT issue-2782 204 3 conclusions conclusion NOUN issue-2782 204 4 in in ADP issue-2782 204 5 articles article NOUN issue-2782 204 6 theoretical theoretical ADJ issue-2782 204 7 and and CCONJ issue-2782 204 8 applied apply VERB issue-2782 204 9 provisions provision NOUN issue-2782 204 10 of of ADP issue-2782 204 11 ai ai ADJ issue-2782 204 12 development development NOUN issue-2782 204 13 in in ADP issue-2782 204 14 the the DET issue-2782 204 15 insurance insurance NOUN issue-2782 204 16 market market NOUN issue-2782 204 17 services service NOUN issue-2782 204 18 are be AUX issue-2782 204 19 deepened deepen VERB issue-2782 204 20 . . PUNCT issue-2782 205 1 the the DET issue-2782 205 2 detailed detailed ADJ issue-2782 205 3 analysis analysis NOUN issue-2782 205 4 of of ADP issue-2782 205 5 the the DET issue-2782 205 6 essence essence NOUN issue-2782 205 7 of of ADP issue-2782 205 8 this this DET issue-2782 205 9 market market NOUN issue-2782 205 10 , , PUNCT issue-2782 205 11 features feature NOUN issue-2782 205 12 of of ADP issue-2782 205 13 its its PRON issue-2782 205 14 functioning functioning NOUN issue-2782 205 15 are be AUX issue-2782 205 16 presented present VERB issue-2782 205 17 , , PUNCT issue-2782 205 18 conclusions conclusion NOUN issue-2782 205 19 are be AUX issue-2782 205 20 drawn draw VERB issue-2782 205 21 on on ADP issue-2782 205 22 the the DET issue-2782 205 23 high high ADJ issue-2782 205 24 level level NOUN issue-2782 205 25 of of ADP issue-2782 205 26 competition competition NOUN issue-2782 205 27 between between ADP issue-2782 205 28 insurance insurance NOUN issue-2782 205 29 companies company NOUN issue-2782 205 30 in in ADP issue-2782 205 31 this this DET issue-2782 205 32 market market NOUN issue-2782 205 33 , , PUNCT issue-2782 205 34 their their PRON issue-2782 205 35 existing exist VERB issue-2782 205 36 significant significant ADJ issue-2782 205 37 interest interest NOUN issue-2782 205 38 in in ADP issue-2782 205 39 digital digital ADJ issue-2782 205 40 technologies technology NOUN issue-2782 205 41 are be AUX issue-2782 205 42 proved prove VERB issue-2782 205 43 , , PUNCT issue-2782 205 44 which which PRON issue-2782 205 45 , , PUNCT issue-2782 205 46 in in ADP issue-2782 205 47 summary summary NOUN issue-2782 205 48 , , PUNCT issue-2782 205 49 led lead VERB issue-2782 205 50 to to ADP issue-2782 205 51 significant significant ADJ issue-2782 205 52 transformations transformation NOUN issue-2782 205 53 of of ADP issue-2782 205 54 the the DET issue-2782 205 55 specified specified ADJ issue-2782 205 56 market market NOUN issue-2782 205 57 in in ADP issue-2782 205 58 the the DET issue-2782 205 59 conditions condition NOUN issue-2782 205 60 of of ADP issue-2782 205 61 the the DET issue-2782 205 62 digital digital ADJ issue-2782 205 63 economy economy NOUN issue-2782 205 64 . . PUNCT issue-2782 206 1 the the DET issue-2782 206 2 article article NOUN issue-2782 206 3 provides provide VERB issue-2782 206 4 a a DET issue-2782 206 5 comprehensive comprehensive ADJ issue-2782 206 6 analysis analysis NOUN issue-2782 206 7 of of ADP issue-2782 206 8 the the DET issue-2782 206 9 prerequisites prerequisite NOUN issue-2782 206 10 for for ADP issue-2782 206 11 digitalisation digitalisation NOUN issue-2782 206 12 of of ADP issue-2782 206 13 the the DET issue-2782 206 14 insurance insurance NOUN issue-2782 206 15 services service NOUN issue-2782 206 16 market market NOUN issue-2782 206 17 , , PUNCT issue-2782 206 18 the the DET issue-2782 206 19 main main ADJ issue-2782 206 20 digital digital ADJ issue-2782 206 21 technologies technology NOUN issue-2782 206 22 that that PRON issue-2782 206 23 are be AUX issue-2782 206 24 currently currently ADV issue-2782 206 25 being be AUX issue-2782 206 26 utilised utilise VERB issue-2782 206 27 by by ADP issue-2782 206 28 insurance insurance NOUN issue-2782 206 29 companies company NOUN issue-2782 206 30 in in ADP issue-2782 206 31 their their PRON issue-2782 206 32 operations operation NOUN issue-2782 206 33 , , PUNCT issue-2782 206 34 and and CCONJ issue-2782 206 35 the the DET issue-2782 206 36 consequences consequence NOUN issue-2782 206 37 of of ADP issue-2782 206 38 digitalisation digitalisation NOUN issue-2782 206 39 for for ADP issue-2782 206 40 this this DET issue-2782 206 41 market market NOUN issue-2782 206 42 . . PUNCT issue-2782 207 1 the the DET issue-2782 207 2 analysis analysis NOUN issue-2782 207 3 determines determine VERB issue-2782 207 4 that that SCONJ issue-2782 207 5 insurance insurance NOUN issue-2782 207 6 companies company NOUN issue-2782 207 7 in in ADP issue-2782 207 8 modern modern ADJ issue-2782 207 9 conditions condition NOUN issue-2782 207 10 utilise utilise VERB issue-2782 207 11 a a DET issue-2782 207 12 substantial substantial ADJ issue-2782 207 13 range range NOUN issue-2782 207 14 of of ADP issue-2782 207 15 diverse diverse ADJ issue-2782 207 16 information information NOUN issue-2782 207 17 and and CCONJ issue-2782 207 18 communication communication NOUN issue-2782 207 19 technologies technology NOUN issue-2782 207 20 , , PUNCT issue-2782 207 21 which which PRON issue-2782 207 22 , , PUNCT issue-2782 207 23 when when SCONJ issue-2782 207 24 combined combine VERB issue-2782 207 25 , , PUNCT issue-2782 207 26 empower empower VERB issue-2782 207 27 them they PRON issue-2782 207 28 to to PART issue-2782 207 29 augment augment VERB issue-2782 207 30 their their PRON issue-2782 207 31 own own ADJ issue-2782 207 32 efficiency efficiency NOUN issue-2782 207 33 , , PUNCT issue-2782 207 34 expand expand VERB issue-2782 207 35 their their PRON issue-2782 207 36 business business NOUN issue-2782 207 37 , , PUNCT issue-2782 207 38 and and CCONJ issue-2782 207 39 enhance enhance VERB issue-2782 207 40 their their PRON issue-2782 207 41 competitiveness competitiveness NOUN issue-2782 207 42 in in ADP issue-2782 207 43 the the DET issue-2782 207 44 insurance insurance NOUN issue-2782 207 45 services service NOUN issue-2782 207 46 market market NOUN issue-2782 207 47 . . PUNCT issue-2782 208 1 it it PRON issue-2782 208 2 has have AUX issue-2782 208 3 been be AUX issue-2782 208 4 established establish VERB issue-2782 208 5 that that SCONJ issue-2782 208 6 in in ADP issue-2782 208 7 order order NOUN issue-2782 208 8 to to PART issue-2782 208 9 implement implement VERB issue-2782 208 10 digital digital ADJ issue-2782 208 11 transformation transformation NOUN issue-2782 208 12 , , PUNCT issue-2782 208 13 these these DET issue-2782 208 14 companies company NOUN issue-2782 208 15 must must AUX issue-2782 208 16 possess possess VERB issue-2782 208 17 the the DET issue-2782 208 18 necessary necessary ADJ issue-2782 208 19 financial financial ADJ issue-2782 208 20 resources resource NOUN issue-2782 208 21 with with ADP issue-2782 208 22 which which PRON issue-2782 208 23 to to PART issue-2782 208 24 invest invest VERB issue-2782 208 25 in in ADP issue-2782 208 26 their their PRON issue-2782 208 27 own own ADJ issue-2782 208 28 activities activity NOUN issue-2782 208 29 . . PUNCT issue-2782 209 1 furthermore furthermore ADV issue-2782 209 2 , , PUNCT issue-2782 209 3 they they PRON issue-2782 209 4 must must AUX issue-2782 209 5 have have VERB issue-2782 209 6 the the DET issue-2782 209 7 opportunity opportunity NOUN issue-2782 209 8 and and CCONJ issue-2782 209 9 ability ability NOUN issue-2782 209 10 to to PART issue-2782 209 11 ensure ensure VERB issue-2782 209 12 the the DET issue-2782 209 13 use use NOUN issue-2782 209 14 of of ADP issue-2782 209 15 digital digital ADJ issue-2782 209 16 technologies technology NOUN issue-2782 209 17 in in ADP issue-2782 209 18 their their PRON issue-2782 209 19 own own ADJ issue-2782 209 20 work work NOUN issue-2782 209 21 . . PUNCT issue-2782 210 1 in in ADP issue-2782 210 2 the the DET issue-2782 210 3 article article NOUN issue-2782 210 4 the the DET issue-2782 210 5 essence essence NOUN issue-2782 210 6 of of ADP issue-2782 210 7 ai ai NOUN issue-2782 210 8 is be AUX issue-2782 210 9 specified specify VERB issue-2782 210 10 and and CCONJ issue-2782 210 11 participation participation NOUN issue-2782 210 12 trends trend NOUN issue-2782 210 13 of of ADP issue-2782 210 14 its its PRON issue-2782 210 15 use use NOUN issue-2782 210 16 in in ADP issue-2782 210 17 activities activity NOUN issue-2782 210 18 of of ADP issue-2782 210 19 financial financial ADJ issue-2782 210 20 institutions institution NOUN issue-2782 210 21 are be AUX issue-2782 210 22 defined define VERB issue-2782 210 23 . . PUNCT issue-2782 211 1 it it PRON issue-2782 211 2 was be AUX issue-2782 211 3 found find VERB issue-2782 211 4 out out ADP issue-2782 211 5 that that SCONJ issue-2782 211 6 this this DET issue-2782 211 7 technology technology NOUN issue-2782 211 8 is be AUX issue-2782 211 9 defined define VERB issue-2782 211 10 by by ADP issue-2782 211 11 experts expert NOUN issue-2782 211 12 as as ADP issue-2782 211 13 one one NUM issue-2782 211 14 of of ADP issue-2782 211 15 the the DET issue-2782 211 16 most most ADV issue-2782 211 17 important important ADJ issue-2782 211 18 for for ADP issue-2782 211 19 further further ADJ issue-2782 211 20 development development NOUN issue-2782 211 21 of of ADP issue-2782 211 22 these these DET issue-2782 211 23 institutions institution NOUN issue-2782 211 24 and and CCONJ issue-2782 211 25 , , PUNCT issue-2782 211 26 accordingly accordingly ADV issue-2782 211 27 , , PUNCT issue-2782 211 28 significant significant ADJ issue-2782 211 29 growth growth NOUN issue-2782 211 30 of of ADP issue-2782 211 31 investments investment NOUN issue-2782 211 32 in in ADP issue-2782 211 33 use use NOUN issue-2782 211 34 of of ADP issue-2782 211 35 this this DET issue-2782 211 36 technology technology NOUN issue-2782 211 37 , , PUNCT issue-2782 211 38 its its PRON issue-2782 211 39 adaptation adaptation NOUN issue-2782 211 40 to to ADP issue-2782 211 41 functioning function VERB issue-2782 211 42 of of ADP issue-2782 211 43 individual individual ADJ issue-2782 211 44 financial financial ADJ issue-2782 211 45 institutions institution NOUN issue-2782 211 46 , , PUNCT issue-2782 211 47 including include VERB issue-2782 211 48 insurance insurance NOUN issue-2782 211 49 institutions institution NOUN issue-2782 211 50 companies company NOUN issue-2782 211 51 is be AUX issue-2782 211 52 predicted predict VERB issue-2782 211 53 . . PUNCT issue-2782 212 1 also also ADV issue-2782 212 2 centres centre VERB issue-2782 212 3 of of ADP issue-2782 212 4 active active ADJ issue-2782 212 5 development development NOUN issue-2782 212 6 of of ADP issue-2782 212 7 ai ai NOUN issue-2782 212 8 in in ADP issue-2782 212 9 action action NOUN issue-2782 212 10 insurance insurance NOUN issue-2782 212 11 companies company NOUN issue-2782 212 12 in in ADP issue-2782 212 13 countries country NOUN issue-2782 212 14 of of ADP issue-2782 212 15 north north PROPN issue-2782 212 16 america america PROPN issue-2782 212 17 and and CCONJ issue-2782 212 18 europe europe PROPN issue-2782 212 19 are be AUX issue-2782 212 20 found find VERB issue-2782 212 21 out out ADP issue-2782 212 22 . . PUNCT issue-2782 213 1 it it PRON issue-2782 213 2 was be AUX issue-2782 213 3 also also ADV issue-2782 213 4 found find VERB issue-2782 213 5 that that SCONJ issue-2782 213 6 the the DET issue-2782 213 7 use use NOUN issue-2782 213 8 of of ADP issue-2782 213 9 ai ai VERB issue-2782 213 10 allows allow NOUN issue-2782 213 11 for for ADP issue-2782 213 12 the the DET issue-2782 213 13 formation formation NOUN issue-2782 213 14 of of ADP issue-2782 213 15 both both DET issue-2782 213 16 significant significant ADJ issue-2782 213 17 advantages advantage NOUN issue-2782 213 18 for for ADP issue-2782 213 19 the the DET issue-2782 213 20 work work NOUN issue-2782 213 21 of of ADP issue-2782 213 22 insurers insurer NOUN issue-2782 213 23 , , PUNCT issue-2782 213 24 and and CCONJ issue-2782 213 25 its its PRON issue-2782 213 26 use use NOUN issue-2782 213 27 is be AUX issue-2782 213 28 accompanied accompany VERB issue-2782 213 29 by by ADP issue-2782 213 30 an an DET issue-2782 213 31 existing exist VERB issue-2782 213 32 set set NOUN issue-2782 213 33 of of ADP issue-2782 213 34 certain certain ADJ issue-2782 213 35 threats threat NOUN issue-2782 213 36 . . PUNCT issue-2782 214 1 on on ADP issue-2782 214 2 the the DET issue-2782 214 3 other other ADJ issue-2782 214 4 hand hand NOUN issue-2782 214 5 , , PUNCT issue-2782 214 6 it it PRON issue-2782 214 7 was be AUX issue-2782 214 8 established establish VERB issue-2782 214 9 that that SCONJ issue-2782 214 10 the the DET issue-2782 214 11 advantages advantage NOUN issue-2782 214 12 of of ADP issue-2782 214 13 using use VERB issue-2782 214 14 ai ai PROPN issue-2782 214 15 baltic baltic ADJ issue-2782 214 16 journal journal PROPN issue-2782 214 17 of of ADP issue-2782 214 18 economic economic ADJ issue-2782 214 19 studies study NOUN issue-2782 214 20 339 339 NUM issue-2782 214 21 vol vol NOUN issue-2782 214 22 . . PUNCT issue-2782 215 1 11 11 NUM issue-2782 216 1 no no NOUN issue-2782 216 2 . . NOUN issue-2782 216 3 1 1 NUM issue-2782 216 4 , , PUNCT issue-2782 216 5 2025 2025 NUM issue-2782 216 6 in in ADP issue-2782 216 7 the the DET issue-2782 216 8 work work NOUN issue-2782 216 9 of of ADP issue-2782 216 10 insurance insurance NOUN issue-2782 216 11 companies company NOUN issue-2782 216 12 exceed exceed VERB issue-2782 216 13 the the DET issue-2782 216 14 existing exist VERB issue-2782 216 15 threats threat NOUN issue-2782 216 16 , , PUNCT issue-2782 216 17 taking take VERB issue-2782 216 18 into into ADP issue-2782 216 19 account account NOUN issue-2782 216 20 the the DET issue-2782 216 21 fact fact NOUN issue-2782 216 22 that that SCONJ issue-2782 216 23 this this DET issue-2782 216 24 technology technology NOUN issue-2782 216 25 , , PUNCT issue-2782 216 26 if if SCONJ issue-2782 216 27 used use VERB issue-2782 216 28 correctly correctly ADV issue-2782 216 29 , , PUNCT issue-2782 216 30 allows allow VERB issue-2782 216 31 for for ADP issue-2782 216 32 minimising minimise VERB issue-2782 216 33 certain certain ADJ issue-2782 216 34 threats threat NOUN issue-2782 216 35 . . PUNCT issue-2782 217 1 the the DET issue-2782 217 2 same same ADJ issue-2782 217 3 position position NOUN issue-2782 217 4 is be AUX issue-2782 217 5 confirmed confirm VERB issue-2782 217 6 by by ADP issue-2782 217 7 the the DET issue-2782 217 8 opinion opinion NOUN issue-2782 217 9 of of ADP issue-2782 217 10 experts expert NOUN issue-2782 217 11 , , PUNCT issue-2782 217 12 individual individual ADJ issue-2782 217 13 heads head NOUN issue-2782 217 14 of of ADP issue-2782 217 15 insurance insurance NOUN issue-2782 217 16 companies company NOUN issue-2782 217 17 , , PUNCT issue-2782 217 18 who who PRON issue-2782 217 19 confirm confirm VERB issue-2782 217 20 the the DET issue-2782 217 21 urgent urgent ADJ issue-2782 217 22 need need NOUN issue-2782 217 23 to to PART issue-2782 217 24 invest invest VERB issue-2782 217 25 in in ADP issue-2782 217 26 the the DET issue-2782 217 27 development development NOUN issue-2782 217 28 of of ADP issue-2782 217 29 this this DET issue-2782 217 30 technology technology NOUN issue-2782 217 31 . . PUNCT issue-2782 218 1 based base VERB issue-2782 218 2 on on ADP issue-2782 218 3 this this PRON issue-2782 218 4 , , PUNCT issue-2782 218 5 the the DET issue-2782 218 6 article article NOUN issue-2782 218 7 also also ADV issue-2782 218 8 substantiates substantiate VERB issue-2782 218 9 future future ADJ issue-2782 218 10 promising promising ADJ issue-2782 218 11 areas area NOUN issue-2782 218 12 of of ADP issue-2782 218 13 active active ADJ issue-2782 218 14 use use NOUN issue-2782 218 15 of of ADP issue-2782 218 16 ai ai VERB issue-2782 218 17 by by ADP issue-2782 218 18 insurance insurance NOUN issue-2782 218 19 companies company NOUN issue-2782 218 20 , , PUNCT issue-2782 218 21 which which PRON issue-2782 218 22 ultimately ultimately ADV issue-2782 218 23 forms form VERB issue-2782 218 24 the the DET issue-2782 218 25 digital digital ADJ issue-2782 218 26 transformation transformation NOUN issue-2782 218 27 model model NOUN issue-2782 218 28 of of ADP issue-2782 218 29 the the DET issue-2782 218 30 insurance insurance NOUN issue-2782 218 31 services service NOUN issue-2782 218 32 market market NOUN issue-2782 218 33 . . PUNCT issue-2782 219 1 among among ADP issue-2782 219 2 these these DET issue-2782 219 3 areas area NOUN issue-2782 219 4 , , PUNCT issue-2782 219 5 the the DET issue-2782 219 6 following follow VERB issue-2782 219 7 are be AUX issue-2782 219 8 highlighted highlight VERB issue-2782 219 9 : : PUNCT issue-2782 219 10 personalisation personalisation NOUN issue-2782 219 11 of of ADP issue-2782 219 12 insurance insurance NOUN issue-2782 219 13 products product NOUN issue-2782 219 14 , , PUNCT issue-2782 219 15 creation creation NOUN issue-2782 219 16 of of ADP issue-2782 219 17 financial financial ADJ issue-2782 219 18 ecosystems ecosystem NOUN issue-2782 219 19 , , PUNCT issue-2782 219 20 online online ADJ issue-2782 219 21 insurance insurance NOUN issue-2782 219 22 and and CCONJ issue-2782 219 23 further further ADJ issue-2782 219 24 development development NOUN issue-2782 219 25 of of ADP issue-2782 219 26 figure figure NOUN issue-2782 219 27 6 6 NUM issue-2782 219 28 . . PUNCT issue-2782 220 1 the the DET issue-2782 220 2 role role NOUN issue-2782 220 3 of of ADP issue-2782 220 4 artificial artificial ADJ issue-2782 220 5 intelligence intelligence NOUN issue-2782 220 6 in in ADP issue-2782 220 7 the the DET issue-2782 220 8 future future ADJ issue-2782 220 9 development development NOUN issue-2782 220 10 of of ADP issue-2782 220 11 the the DET issue-2782 220 12 insurance insurance NOUN issue-2782 220 13 market market NOUN issue-2782 220 14 source source NOUN issue-2782 220 15 : : PUNCT issue-2782 220 16 compiled compile VERB issue-2782 220 17 by by ADP issue-2782 220 18 the the DET issue-2782 220 19 authors author NOUN issue-2782 220 20     SPACE issue-2782 220 21 a a DET issue-2782 220 22 more more ADV issue-2782 220 23 profound profound ADJ issue-2782 220 24 analysis analysis NOUN issue-2782 220 25 of of ADP issue-2782 220 26 individual individual ADJ issue-2782 220 27 customer customer NOUN issue-2782 220 28 characteristics characteristic NOUN issue-2782 220 29 is be AUX issue-2782 220 30 necessary necessary ADJ issue-2782 220 31 to to PART issue-2782 220 32 ascertain ascertain VERB issue-2782 220 33 the the DET issue-2782 220 34 cost cost NOUN issue-2782 220 35 of of ADP issue-2782 220 36 insurance insurance NOUN issue-2782 220 37 products product NOUN issue-2782 220 38 and and CCONJ issue-2782 220 39 their their PRON issue-2782 220 40 suitability suitability NOUN issue-2782 220 41 for for ADP issue-2782 220 42 specific specific ADJ issue-2782 220 43 consumer consumer NOUN issue-2782 220 44 categories category NOUN issue-2782 220 45 . . PUNCT issue-2782 221 1 this this DET issue-2782 221 2 analysis analysis NOUN issue-2782 221 3 should should AUX issue-2782 221 4 take take VERB issue-2782 221 5 into into ADP issue-2782 221 6 account account NOUN issue-2782 221 7 the the DET issue-2782 221 8 unique unique ADJ issue-2782 221 9 characteristics characteristic NOUN issue-2782 221 10 of of ADP issue-2782 221 11 their their PRON issue-2782 221 12 business business NOUN issue-2782 221 13 activities activity NOUN issue-2782 221 14 , , PUNCT issue-2782 221 15 consumer consumer NOUN issue-2782 221 16 behaviour behaviour NOUN issue-2782 221 17 model model NOUN issue-2782 221 18 , , PUNCT issue-2782 221 19 place place NOUN issue-2782 221 20 of of ADP issue-2782 221 21 work work NOUN issue-2782 221 22 , , PUNCT issue-2782 221 23 age age NOUN issue-2782 221 24 , , PUNCT issue-2782 221 25 gender gender NOUN issue-2782 221 26 and and CCONJ issue-2782 221 27 other other ADJ issue-2782 221 28 features feature NOUN issue-2782 221 29 . . PUNCT issue-2782 222 1 the the DET issue-2782 222 2 individualisation individualisation NOUN issue-2782 222 3 process process NOUN issue-2782 222 4 further far ADV issue-2782 222 5 entails entail VERB issue-2782 222 6 the the DET issue-2782 222 7 analysis analysis NOUN issue-2782 222 8 of of ADP issue-2782 222 9 the the DET issue-2782 222 10 insurance insurance NOUN issue-2782 222 11 history history NOUN issue-2782 222 12 of of ADP issue-2782 222 13 customers customer NOUN issue-2782 222 14 , , PUNCT issue-2782 222 15 their their PRON issue-2782 222 16 utilisation utilisation NOUN issue-2782 222 17 of of ADP issue-2782 222 18 insured insured ADJ issue-2782 222 19 property property NOUN issue-2782 222 20 , , PUNCT issue-2782 222 21 and and CCONJ issue-2782 222 22 their their PRON issue-2782 222 23 financial financial ADJ issue-2782 222 24 status status NOUN issue-2782 222 25 . . PUNCT issue-2782 223 1 it it PRON issue-2782 223 2 is be AUX issue-2782 223 3 evident evident ADJ issue-2782 223 4 that that SCONJ issue-2782 223 5 insurance insurance NOUN issue-2782 223 6 companies company NOUN issue-2782 223 7 play play VERB issue-2782 223 8 a a DET issue-2782 223 9 pivotal pivotal ADJ issue-2782 223 10 role role NOUN issue-2782 223 11 in in ADP issue-2782 223 12 the the DET issue-2782 223 13 functioning functioning NOUN issue-2782 223 14 of of ADP issue-2782 223 15 such such ADJ issue-2782 223 16 ecosystems ecosystem NOUN issue-2782 223 17 . . PUNCT issue-2782 224 1 consequently consequently ADV issue-2782 224 2 , , PUNCT issue-2782 224 3 there there PRON issue-2782 224 4 is be VERB issue-2782 224 5 a a DET issue-2782 224 6 necessity necessity NOUN issue-2782 224 7 for for SCONJ issue-2782 224 8 insurance insurance NOUN issue-2782 224 9 companies company NOUN issue-2782 224 10 to to PART issue-2782 224 11 further far ADV issue-2782 224 12 digitalise digitalise VERB issue-2782 224 13 their their PRON issue-2782 224 14 own own ADJ issue-2782 224 15 activities activity NOUN issue-2782 224 16 and and CCONJ issue-2782 224 17 proactively proactively ADV issue-2782 224 18 incorporate incorporate VERB issue-2782 224 19 digital digital ADJ issue-2782 224 20 financial financial ADJ issue-2782 224 21 services service NOUN issue-2782 224 22 provided provide VERB issue-2782 224 23 to to ADP issue-2782 224 24 different different ADJ issue-2782 224 25 types type NOUN issue-2782 224 26 of of ADP issue-2782 224 27 clients client NOUN issue-2782 224 28 by by ADP issue-2782 224 29 individual individual ADJ issue-2782 224 30 financial financial ADJ issue-2782 224 31 institutions institution NOUN issue-2782 224 32 into into ADP issue-2782 224 33 the the DET issue-2782 224 34 overall overall ADJ issue-2782 224 35 process process NOUN issue-2782 224 36 of of ADP issue-2782 224 37 ecosystem ecosystem NOUN issue-2782 224 38 integration integration NOUN issue-2782 224 39 . . PUNCT issue-2782 225 1 existing exist VERB issue-2782 225 2 fintech fintech NOUN issue-2782 225 3 ecosystems ecosystem NOUN issue-2782 225 4 also also ADV issue-2782 225 5 play play VERB issue-2782 225 6 a a DET issue-2782 225 7 significant significant ADJ issue-2782 225 8 role role NOUN issue-2782 225 9 in in ADP issue-2782 225 10 the the DET issue-2782 225 11 formation formation NOUN issue-2782 225 12 of of ADP issue-2782 225 13 such such ADJ issue-2782 225 14 ecosystems ecosystem NOUN issue-2782 225 15 , , PUNCT issue-2782 225 16 as as SCONJ issue-2782 225 17 they they PRON issue-2782 225 18 are be AUX issue-2782 225 19 also also ADV issue-2782 225 20 aimed aim VERB issue-2782 225 21 at at ADP issue-2782 225 22 creating create VERB issue-2782 225 23 holistic holistic ADJ issue-2782 225 24 financial financial ADJ issue-2782 225 25 products product NOUN issue-2782 225 26 and and CCONJ issue-2782 225 27 developing develop VERB issue-2782 225 28 relevant relevant ADJ issue-2782 225 29 digital digital ADJ issue-2782 225 30 technologies technology NOUN issue-2782 225 31 used use VERB issue-2782 225 32 by by ADP issue-2782 225 33 various various ADJ issue-2782 225 34 financial financial ADJ issue-2782 225 35 institutions institution NOUN issue-2782 225 36 to to PART issue-2782 225 37 meet meet VERB issue-2782 225 38 modern modern ADJ issue-2782 225 39 consumer consumer NOUN issue-2782 225 40 needs need NOUN issue-2782 225 41 , , PUNCT issue-2782 225 42 including include VERB issue-2782 225 43 in in ADP issue-2782 225 44 the the DET issue-2782 225 45 field field NOUN issue-2782 225 46 of of ADP issue-2782 225 47 insurance insurance NOUN issue-2782 225 48 services service NOUN issue-2782 225 49 . . PUNCT issue-2782 226 1 the the DET issue-2782 226 2 progression progression NOUN issue-2782 226 3 of of ADP issue-2782 226 4 insurance insurance NOUN issue-2782 226 5 companies company NOUN issue-2782 226 6 is be AUX issue-2782 226 7 concomitant concomitant ADJ issue-2782 226 8 with with ADP issue-2782 226 9 the the DET issue-2782 226 10 virtualisation virtualisation NOUN issue-2782 226 11 of of ADP issue-2782 226 12 their their PRON issue-2782 226 13 operations operation NOUN issue-2782 226 14 and and CCONJ issue-2782 226 15 interactions interaction NOUN issue-2782 226 16 with with ADP issue-2782 226 17 customers customer NOUN issue-2782 226 18 . . PUNCT issue-2782 227 1 this this DET issue-2782 227 2 development development NOUN issue-2782 227 3 will will AUX issue-2782 227 4 serve serve VERB issue-2782 227 5 to to PART issue-2782 227 6 strengthen strengthen VERB issue-2782 227 7 the the DET issue-2782 227 8 role role NOUN issue-2782 227 9 of of ADP issue-2782 227 10 artificial artificial ADJ issue-2782 227 11 intelligence intelligence NOUN issue-2782 227 12 in in ADP issue-2782 227 13 ensuring ensure VERB issue-2782 227 14 such such DET issue-2782 227 15 a a DET issue-2782 227 16 process process NOUN issue-2782 227 17 , , PUNCT issue-2782 227 18 online online ADJ issue-2782 227 19 sales sale NOUN issue-2782 227 20 of of ADP issue-2782 227 21 insurance insurance NOUN issue-2782 227 22 policies policy NOUN issue-2782 227 23 , , PUNCT issue-2782 227 24 information information NOUN issue-2782 227 25 interaction interaction NOUN issue-2782 227 26 with with ADP issue-2782 227 27 insurance insurance NOUN issue-2782 227 28 companies company NOUN issue-2782 227 29 , , PUNCT issue-2782 227 30 and and CCONJ issue-2782 227 31 virtual virtual ADJ issue-2782 227 32 settlement settlement NOUN issue-2782 227 33 of of ADP issue-2782 227 34 insurance insurance NOUN issue-2782 227 35 compensation compensation NOUN issue-2782 227 36 issues issue NOUN issue-2782 227 37 based base VERB issue-2782 227 38 on on ADP issue-2782 227 39 open open ADJ issue-2782 227 40 and and CCONJ issue-2782 227 41 accessible accessible ADJ issue-2782 227 42 information information NOUN issue-2782 227 43 for for ADP issue-2782 227 44 insurers insurer NOUN issue-2782 227 45 . . PUNCT issue-2782 228 1 the the DET issue-2782 228 2 utilisation utilisation NOUN issue-2782 228 3 of of ADP issue-2782 228 4 smart smart ADJ issue-2782 228 5 contracts contract NOUN issue-2782 228 6 has have AUX issue-2782 228 7 been be AUX issue-2782 228 8 demonstrated demonstrate VERB issue-2782 228 9 to to PART issue-2782 228 10 facilitate facilitate VERB issue-2782 228 11 the the DET issue-2782 228 12 reduction reduction NOUN issue-2782 228 13 of of ADP issue-2782 228 14 data datum NOUN issue-2782 228 15 processing processing NOUN issue-2782 228 16 time time NOUN issue-2782 228 17 and and CCONJ issue-2782 228 18 the the DET issue-2782 228 19 minimisation minimisation NOUN issue-2782 228 20 of of ADP issue-2782 228 21 errors error NOUN issue-2782 228 22 in in ADP issue-2782 228 23 the the DET issue-2782 228 24 issuance issuance NOUN issue-2782 228 25 of of ADP issue-2782 228 26 insurance insurance NOUN issue-2782 228 27 policies policy NOUN issue-2782 228 28 . . PUNCT issue-2782 229 1 the the DET issue-2782 229 2 concept concept NOUN issue-2782 229 3 of of ADP issue-2782 229 4 individualisation individualisation NOUN issue-2782 229 5 entails entail VERB issue-2782 229 6 the the DET issue-2782 229 7 utilisation utilisation NOUN issue-2782 229 8 of of ADP issue-2782 229 9 artificial artificial ADJ issue-2782 229 10 intelligence intelligence NOUN issue-2782 229 11 to to PART issue-2782 229 12 evaluate evaluate VERB issue-2782 229 13 potential potential ADJ issue-2782 229 14 economic economic ADJ issue-2782 229 15 and and CCONJ issue-2782 229 16 financial financial ADJ issue-2782 229 17 risks risk NOUN issue-2782 229 18 , , PUNCT issue-2782 229 19 not not PART issue-2782 229 20 only only ADV issue-2782 229 21 for for ADP issue-2782 229 22 the the DET issue-2782 229 23 insurance insurance NOUN issue-2782 229 24 company company NOUN issue-2782 229 25 , , PUNCT issue-2782 229 26 but but CCONJ issue-2782 229 27 also also ADV issue-2782 229 28 for for ADP issue-2782 229 29 the the DET issue-2782 229 30 clients client NOUN issue-2782 229 31 themselves themselves PRON issue-2782 229 32 . . PUNCT issue-2782 230 1 it it PRON issue-2782 230 2 involves involve VERB issue-2782 230 3 the the DET issue-2782 230 4 development development NOUN issue-2782 230 5 of of ADP issue-2782 230 6 proposals proposal NOUN issue-2782 230 7 aimed aim VERB issue-2782 230 8 at at ADP issue-2782 230 9 mitigating mitigate VERB issue-2782 230 10 the the DET issue-2782 230 11 occurrence occurrence NOUN issue-2782 230 12 of of ADP issue-2782 230 13 such such ADJ issue-2782 230 14 risks risk NOUN issue-2782 230 15 , , PUNCT issue-2782 230 16 which which PRON issue-2782 230 17 can can AUX issue-2782 230 18 result result VERB issue-2782 230 19 in in ADP issue-2782 230 20 the the DET issue-2782 230 21 loss loss NOUN issue-2782 230 22 of of ADP issue-2782 230 23 property property NOUN issue-2782 230 24 and and CCONJ issue-2782 230 25 jeopardise jeopardise VERB issue-2782 230 26 personal personal ADJ issue-2782 230 27 well well NOUN issue-2782 230 28 - - PUNCT issue-2782 230 29 being being NOUN issue-2782 230 30 . . PUNCT issue-2782 231 1 it it PRON issue-2782 231 2 is be AUX issue-2782 231 3 anticipated anticipate VERB issue-2782 231 4 that that SCONJ issue-2782 231 5 the the DET issue-2782 231 6 services service NOUN issue-2782 231 7 delineated delineate VERB issue-2782 231 8 will will AUX issue-2782 231 9 progressively progressively ADV issue-2782 231 10 evolve evolve VERB issue-2782 231 11 into into ADP issue-2782 231 12 an an DET issue-2782 231 13 integral integral ADJ issue-2782 231 14 component component NOUN issue-2782 231 15 of of ADP issue-2782 231 16 the the DET issue-2782 231 17 purchase purchase NOUN issue-2782 231 18 of of ADP issue-2782 231 19 insurance insurance NOUN issue-2782 231 20 products product NOUN issue-2782 231 21 . . PUNCT issue-2782 232 1 this this PRON issue-2782 232 2 should should AUX issue-2782 232 3 help help VERB issue-2782 232 4 reduce reduce VERB issue-2782 232 5 the the DET issue-2782 232 6 incidence incidence NOUN issue-2782 232 7 of of ADP issue-2782 232 8 insurance insurance NOUN issue-2782 232 9 situations situation NOUN issue-2782 232 10 . . PUNCT issue-2782 233 1 the the DET issue-2782 233 2 active active ADJ issue-2782 233 3 use use NOUN issue-2782 233 4 of of ADP issue-2782 233 5 artificial artificial ADJ issue-2782 233 6 intelligence intelligence NOUN issue-2782 233 7 technology technology NOUN issue-2782 233 8 will will AUX issue-2782 233 9 contribute contribute VERB issue-2782 233 10 to to ADP issue-2782 233 11 the the DET issue-2782 233 12 development development NOUN issue-2782 233 13 of of ADP issue-2782 233 14 insurance insurance NOUN issue-2782 233 15 products product NOUN issue-2782 233 16 for for ADP issue-2782 233 17 insuring insure VERB issue-2782 233 18 the the DET issue-2782 233 19 cyber cyber NOUN issue-2782 233 20 risks risk NOUN issue-2782 233 21 of of ADP issue-2782 233 22 economic economic ADJ issue-2782 233 23 entities entity NOUN issue-2782 233 24 that that PRON issue-2782 233 25 may may AUX issue-2782 233 26 arise arise VERB issue-2782 233 27 today today NOUN issue-2782 233 28 as as ADP issue-2782 233 29 a a DET issue-2782 233 30 result result NOUN issue-2782 233 31 of of ADP issue-2782 233 32 their their PRON issue-2782 233 33 use use NOUN issue-2782 233 34 of of ADP issue-2782 233 35 digital digital ADJ issue-2782 233 36 technologies technology NOUN issue-2782 233 37 , , PUNCT issue-2782 233 38 open open ADJ issue-2782 233 39 data datum NOUN issue-2782 233 40 and and CCONJ issue-2782 233 41 the the DET issue-2782 233 42 virtualisation virtualisation NOUN issue-2782 233 43 of of ADP issue-2782 233 44 their their PRON issue-2782 233 45 economic economic ADJ issue-2782 233 46 activities activity NOUN issue-2782 233 47 . . PUNCT issue-2782 234 1 artificial artificial ADJ issue-2782 234 2 intelligence intelligence NOUN issue-2782 234 3 can can AUX issue-2782 234 4 help help VERB issue-2782 234 5 not not PART issue-2782 234 6 only only ADV issue-2782 234 7 to to PART issue-2782 234 8 develop develop VERB issue-2782 234 9 individual individual ADJ issue-2782 234 10 insurance insurance NOUN issue-2782 234 11 products product NOUN issue-2782 234 12 , , PUNCT issue-2782 234 13 but but CCONJ issue-2782 234 14 also also ADV issue-2782 234 15 to to PART issue-2782 234 16 analyse analyse VERB issue-2782 234 17 the the DET issue-2782 234 18 information information NOUN issue-2782 234 19 systems system NOUN issue-2782 234 20 of of ADP issue-2782 234 21 insurance insurance NOUN issue-2782 234 22 company company NOUN issue-2782 234 23 clients client NOUN issue-2782 234 24 and and CCONJ issue-2782 234 25 , , PUNCT issue-2782 234 26 with with ADP issue-2782 234 27 their their PRON issue-2782 234 28 consent consent NOUN issue-2782 234 29 , , PUNCT issue-2782 234 30 develop develop VERB issue-2782 234 31 proposals proposal NOUN issue-2782 234 32 to to PART issue-2782 234 33 improve improve VERB issue-2782 234 34 their their PRON issue-2782 234 35 information information NOUN issue-2782 234 36 security security NOUN issue-2782 234 37 . . PUNCT issue-2782 235 1 pe pe INTJ issue-2782 235 2 rs rs PROPN issue-2782 235 3 on on ADP issue-2782 235 4 al al PROPN issue-2782 235 5 isa isa PROPN issue-2782 235 6 tio tio PROPN issue-2782 235 7 n n PROPN issue-2782 235 8 of of ADP issue-2782 235 9 in in ADP issue-2782 235 10 su su PROPN issue-2782 235 11 ra ra PROPN issue-2782 235 12 nc nc PROPN issue-2782 235 13 e e PROPN issue-2782 235 14 pr pr VERB issue-2782 235 15 od od INTJ issue-2782 235 16 uc uc INTJ issue-2782 235 17 ts ts ADP issue-2782 235 18 c c X issue-2782 235 19 re re X issue-2782 235 20 at at ADP issue-2782 235 21 io io X issue-2782 235 22 n n ADP issue-2782 235 23 of of ADP issue-2782 235 24 fi fi NOUN issue-2782 235 25 na na PROPN issue-2782 235 26 nc nc PROPN issue-2782 235 27 ia ia PROPN issue-2782 235 28 l l PROPN issue-2782 235 29 ec ec PROPN issue-2782 236 1 os os NOUN issue-2782 236 2 ys ys INTJ issue-2782 237 1 te te PROPN issue-2782 237 2 m m PROPN issue-2782 237 3 s s NOUN issue-2782 237 4 o o X issue-2782 237 5 nl nl NOUN issue-2782 237 6 in in ADP issue-2782 237 7 e e PROPN issue-2782 238 1 i i PRON issue-2782 238 2 ns ns VERB issue-2782 238 3 ur ur INTJ issue-2782 238 4 an an PROPN issue-2782 238 5 ce ce PROPN issue-2782 238 6 a a DET issue-2782 238 7 nd nd NOUN issue-2782 238 8 fu fu NOUN issue-2782 239 1 rt rt INTJ issue-2782 240 1 he he PRON issue-2782 240 2 r r PROPN issue-2782 240 3 d d PROPN issue-2782 240 4 ev ev X issue-2782 240 5 el el PROPN issue-2782 240 6 op op PROPN issue-2782 240 7 m m PROPN issue-2782 240 8 en en ADP issue-2782 240 9 t t X issue-2782 240 10 o o X issue-2782 240 11 f f PROPN issue-2782 240 12 in in ADP issue-2782 240 13 su su PROPN issue-2782 240 14 rt rt PROPN issue-2782 240 15 ec ec PROPN issue-2782 240 16 h h PROPN issue-2782 240 17 in in ADP issue-2782 240 18 di di PROPN issue-2782 240 19 vi vi PROPN issue-2782 240 20 du du PROPN issue-2782 240 21 al al PROPN issue-2782 240 22 isa isa PROPN issue-2782 240 23 tio tio PROPN issue-2782 240 24 n n PROPN issue-2782 240 25 of of ADP issue-2782 240 26 in in ADP issue-2782 240 27 te te ADP issue-2782 240 28 ra ra PROPN issue-2782 240 29 ct ct PROPN issue-2782 240 30 io io PROPN issue-2782 241 1 n n PROPN issue-2782 241 2 c c NOUN issue-2782 241 3 yb yb INTJ issue-2782 241 4 er er INTJ issue-2782 241 5 in in ADP issue-2782 241 6 su su PROPN issue-2782 241 7 ra ra PROPN issue-2782 241 8 nc nc PROPN issue-2782 241 9 e e PROPN issue-2782 241 10 baltic baltic PROPN issue-2782 241 11 journal journal PROPN issue-2782 241 12 of of ADP issue-2782 241 13 economic economic ADJ issue-2782 241 14 studies study NOUN issue-2782 241 15 340 340 NUM issue-2782 241 16 vol vol NOUN issue-2782 241 17 . . PUNCT issue-2782 242 1 11 11 NUM issue-2782 243 1 no no NOUN issue-2782 243 2 . . NOUN issue-2782 243 3 1 1 NUM issue-2782 243 4 , , PUNCT issue-2782 243 5 2025 2025 NUM issue-2782 243 6 insurtech insurtech NOUN issue-2782 243 7 , , PUNCT issue-2782 243 8 individualisation individualisation NOUN issue-2782 243 9 of of ADP issue-2782 243 10 interaction interaction NOUN issue-2782 243 11 between between ADP issue-2782 243 12 insurance insurance NOUN issue-2782 243 13 companies company NOUN issue-2782 243 14 and and CCONJ issue-2782 243 15 their their PRON issue-2782 243 16 customers customer NOUN issue-2782 243 17 , , PUNCT issue-2782 243 18 cyber cyber ADJ issue-2782 243 19 insurance insurance NOUN issue-2782 243 20 . . PUNCT issue-2782 244 1 acknowledgments acknowledgment NOUN issue-2782 244 2 . . PUNCT issue-2782 245 1 this this DET issue-2782 245 2 research research NOUN issue-2782 245 3 is be AUX issue-2782 245 4 carried carry VERB issue-2782 245 5 out out ADP issue-2782 245 6 within within ADP issue-2782 245 7 the the DET issue-2782 245 8 framework framework NOUN issue-2782 245 9 of of ADP issue-2782 245 10 the the DET issue-2782 245 11 scientific scientific ADJ issue-2782 245 12 project project NOUN issue-2782 245 13 “ " PUNCT issue-2782 245 14 model model NOUN issue-2782 245 15 of of ADP issue-2782 245 16 post post ADJ issue-2782 245 17 - - ADJ issue-2782 245 18 war war ADJ issue-2782 245 19 development development NOUN issue-2782 245 20 of of ADP issue-2782 245 21 credit credit NOUN issue-2782 245 22 institutions institution NOUN issue-2782 245 23 based base VERB issue-2782 245 24 on on ADP issue-2782 245 25 artificial artificial ADJ issue-2782 245 26 intelligence intelligence NOUN issue-2782 245 27 : : PUNCT issue-2782 245 28 customization customization NOUN issue-2782 245 29 of of ADP issue-2782 245 30 financial financial ADJ issue-2782 245 31 services service NOUN issue-2782 245 32 and and CCONJ issue-2782 245 33 prudential prudential PROPN issue-2782 245 34 supervision supervision NOUN issue-2782 245 35 ” " PUNCT issue-2782 245 36 with with ADP issue-2782 245 37 the the DET issue-2782 245 38 support support NOUN issue-2782 245 39 of of ADP issue-2782 245 40 the the DET issue-2782 245 41 ministry ministry PROPN issue-2782 245 42 of of ADP issue-2782 245 43 education education PROPN issue-2782 245 44 and and CCONJ issue-2782 245 45 science science NOUN issue-2782 245 46 of of ADP issue-2782 245 47 ukraine ukraine PROPN issue-2782 245 48 . . PUNCT issue-2782 246 1 references reference NOUN issue-2782 246 2 : : PUNCT issue-2782 246 3 abdusalomova abdusalomova X issue-2782 246 4 , , PUNCT issue-2782 246 5 nodira nodira PROPN issue-2782 246 6 bakhodirovna bakhodirovna NOUN issue-2782 246 7 , , PUNCT issue-2782 246 8 ergasheva ergasheva PROPN issue-2782 246 9 , , PUNCT issue-2782 246 10 mukaddas mukaddas PROPN issue-2782 246 11 shuhrat shuhrat PROPN issue-2782 246 12 qizi qizi PROPN issue-2782 246 13 , , PUNCT issue-2782 246 14 khaydarova khaydarova PROPN issue-2782 246 15 , , PUNCT issue-2782 246 16 dildora dildora PROPN issue-2782 246 17 jahongir jahongir PROPN issue-2782 246 18 qizi qizi PROPN issue-2782 246 19 . . PUNCT issue-2782 247 1 ( ( PUNCT issue-2782 247 2 2022 2022 NUM issue-2782 247 3 ) ) PUNCT issue-2782 247 4 . . PUNCT issue-2782 248 1 the the DET issue-2782 248 2 role role NOUN issue-2782 248 3 of of ADP issue-2782 248 4 insurance insurance NOUN issue-2782 248 5 companies company NOUN issue-2782 248 6 in in ADP issue-2782 248 7 the the DET issue-2782 248 8 national national ADJ issue-2782 248 9 economy economy NOUN issue-2782 248 10 digitalization digitalization NOUN issue-2782 248 11 . . PUNCT issue-2782 249 1 icfnds icfnd NOUN issue-2782 249 2 ’ ' PUNCT issue-2782 249 3 22 22 NUM issue-2782 249 4 , , PUNCT issue-2782 249 5 p. p. NOUN issue-2782 249 6 46–50 46–50 NOUN issue-2782 249 7 . . PUNCT issue-2782 250 1 doi doi NOUN issue-2782 250 2 : : PUNCT issue-2782 250 3 https://doi.org/10.1145/3584202.3584210 https://doi.org/10.1145/3584202.3584210 PROPN issue-2782 250 4 acosta acosta PROPN issue-2782 250 5 - - PUNCT issue-2782 250 6 prado prado PROPN issue-2782 250 7 , , PUNCT issue-2782 250 8 j. j. PROPN issue-2782 250 9 c. c. PROPN issue-2782 250 10 , , PUNCT issue-2782 250 11 hernández hernández PROPN issue-2782 250 12 - - PUNCT issue-2782 250 13 cenzano cenzano PROPN issue-2782 250 14 , , PUNCT issue-2782 250 15 c. c. PROPN issue-2782 250 16 g. g. PROPN issue-2782 250 17 , , PUNCT issue-2782 250 18 villalta villalta NOUN issue-2782 250 19 - - PUNCT issue-2782 250 20 herrera herrera NOUN issue-2782 250 21 , , PUNCT issue-2782 250 22 c. c. PROPN issue-2782 250 23 d. d. PROPN issue-2782 250 24 , , PUNCT issue-2782 250 25 & & CCONJ issue-2782 250 26 barahona barahona PROPN issue-2782 250 27 - - PUNCT issue-2782 250 28 silva silva NOUN issue-2782 250 29 , , PUNCT issue-2782 250 30 e. e. PROPN issue-2782 250 31 w. w. PROPN issue-2782 250 32 ( ( PUNCT issue-2782 250 33 2024 2024 NUM issue-2782 250 34 ) ) PUNCT issue-2782 250 35 . . PUNCT issue-2782 251 1 three three NUM issue-2782 251 2 horizons horizon NOUN issue-2782 251 3 of of ADP issue-2782 251 4 technical technical ADJ issue-2782 251 5 skills skill NOUN issue-2782 251 6 in in ADP issue-2782 251 7 artificial artificial ADJ issue-2782 251 8 intelligence intelligence NOUN issue-2782 251 9 for for ADP issue-2782 251 10 the the DET issue-2782 251 11 sustainability sustainability NOUN issue-2782 251 12 of of ADP issue-2782 251 13 insurance insurance NOUN issue-2782 251 14 companies company NOUN issue-2782 251 15 . . PUNCT issue-2782 252 1 administrative administrative ADJ issue-2782 252 2 sciences sciences PROPN issue-2782 252 3 , , PUNCT issue-2782 252 4 14(9 14(9 NUM issue-2782 252 5 ) ) PUNCT issue-2782 252 6 , , PUNCT issue-2782 252 7 190 190 NUM issue-2782 252 8 . . PUNCT issue-2782 252 9 doi doi NOUN issue-2782 252 10 : : PUNCT issue-2782 252 11 https://doi.org/10.3390/admsci14090190 https://doi.org/10.3390/admsci14090190 PROPN issue-2782 252 12 anchen anchen ADV issue-2782 252 13 , , PUNCT issue-2782 252 14 jonathan jonathan PROPN issue-2782 252 15 ( ( PUNCT issue-2782 252 16 2023 2023 NUM issue-2782 252 17 ) ) PUNCT issue-2782 252 18 . . PUNCT issue-2782 253 1 the the DET issue-2782 253 2 economics economic NOUN issue-2782 253 3 of of ADP issue-2782 253 4 digitalisation digitalisation NOUN issue-2782 253 5 in in ADP issue-2782 253 6 insurance insurance NOUN issue-2782 253 7 . . PUNCT issue-2782 254 1 new new ADJ issue-2782 254 2 risks risk NOUN issue-2782 254 3 , , PUNCT issue-2782 254 4 new new ADJ issue-2782 254 5 solutions solution NOUN issue-2782 254 6 , , PUNCT issue-2782 254 7 new new ADJ issue-2782 254 8 efficiencies efficiency NOUN issue-2782 254 9 . . PUNCT issue-2782 254 10 available available ADJ issue-2782 254 11 at at ADP issue-2782 254 12 : : PUNCT issue-2782 254 13 https://www.swissre.com/institute/research/sigma-research/sigma-2023-05-digitalisation.html https://www.swissre.com/institute/research/sigma-research/sigma-2023-05-digitalisation.html PROPN issue-2782 254 14 binariks binariks NOUN issue-2782 254 15 ( ( PUNCT issue-2782 254 16 2024 2024 NUM issue-2782 254 17 ) ) PUNCT issue-2782 254 18 . . PUNCT issue-2782 255 1 how how SCONJ issue-2782 255 2 ai ai AUX issue-2782 255 3 is be AUX issue-2782 255 4 transforming transform VERB issue-2782 255 5 the the DET issue-2782 255 6 insurance insurance NOUN issue-2782 255 7 industry industry NOUN issue-2782 255 8 . . PUNCT issue-2782 256 1 available available ADJ issue-2782 256 2 at at ADP issue-2782 256 3 : : PUNCT issue-2782 256 4 https://binariks.com/blog/ https://binariks.com/blog/ ADJ issue-2782 256 5 artificial artificial ADJ issue-2782 256 6 - - PUNCT issue-2782 256 7 intelligence intelligence NOUN issue-2782 256 8 - - PUNCT issue-2782 256 9 ai ai NOUN issue-2782 256 10 - - PUNCT issue-2782 256 11 in in ADP issue-2782 256 12 - - PUNCT issue-2782 256 13 insurance insurance NOUN issue-2782 256 14 - - PUNCT issue-2782 256 15 market/ market/ NUM issue-2782 256 16 dalla dalla PROPN issue-2782 256 17 pozza pozza NOUN issue-2782 256 18 , , PUNCT issue-2782 256 19 i. i. NOUN issue-2782 256 20 ( ( PUNCT issue-2782 256 21 2024 2024 NUM issue-2782 256 22 ) ) PUNCT issue-2782 256 23 . . PUNCT issue-2782 257 1 creating create VERB issue-2782 257 2 customer customer NOUN issue-2782 257 3 value value NOUN issue-2782 257 4 through through ADP issue-2782 257 5 omnichannel omnichannel NOUN issue-2782 257 6 service service NOUN issue-2782 257 7 delivery delivery NOUN issue-2782 257 8 : : PUNCT issue-2782 257 9 a a DET issue-2782 257 10 study study NOUN issue-2782 257 11 of of ADP issue-2782 257 12 the the DET issue-2782 257 13 french french ADJ issue-2782 257 14 insurance insurance NOUN issue-2782 257 15 market market NOUN issue-2782 257 16 . . PUNCT issue-2782 258 1 j j PROPN issue-2782 258 2 financ financ PROPN issue-2782 258 3 serv serv PROPN issue-2782 258 4 mark mark PROPN issue-2782 258 5 , , PUNCT issue-2782 258 6 vol vol NOUN issue-2782 258 7 . . PROPN issue-2782 258 8 29 29 NUM issue-2782 258 9 , , PUNCT issue-2782 258 10 p. p. NOUN issue-2782 258 11 392–405 392–405 NUM issue-2782 258 12 . . PUNCT issue-2782 259 1 doi doi NOUN issue-2782 259 2 : : PUNCT issue-2782 259 3 https://doi.org/10.1057/s41264-023-00211-1 https://doi.org/10.1057/s41264-023-00211-1 NUM issue-2782 259 4 das das PROPN issue-2782 259 5 , , PUNCT issue-2782 259 6 arijit arijit PROPN issue-2782 259 7 , , PUNCT issue-2782 259 8 anand anand PROPN issue-2782 259 9 , , PUNCT issue-2782 259 10 raj raj PROPN issue-2782 259 11 , , PUNCT issue-2782 259 12 dash dash NOUN issue-2782 259 13 , , PUNCT issue-2782 259 14 apama apama NOUN issue-2782 259 15 , , PUNCT issue-2782 259 16 buddala buddala X issue-2782 259 17 , , PUNCT issue-2782 259 18 raviteja raviteja PROPN issue-2782 259 19 ( ( PUNCT issue-2782 259 20 2021 2021 NUM issue-2782 259 21 ) ) PUNCT issue-2782 259 22 . . PUNCT issue-2782 260 1 a a DET issue-2782 260 2 study study NOUN issue-2782 260 3 on on ADP issue-2782 260 4 shift shift NOUN issue-2782 260 5 towards towards ADP issue-2782 260 6 digitalization digitalization NOUN issue-2782 260 7 of of ADP issue-2782 260 8 medical medical ADJ issue-2782 260 9 reimbursement reimbursement NOUN issue-2782 260 10 by by ADP issue-2782 260 11 insurance insurance NOUN issue-2782 260 12 companies company NOUN issue-2782 260 13 during during ADP issue-2782 260 14 covid covid PROPN issue-2782 260 15 like like ADP issue-2782 260 16 pandemic pandemic ADJ issue-2782 260 17 situation situation NOUN issue-2782 260 18 . . PUNCT issue-2782 261 1 2021 2021 NUM issue-2782 261 2 innovations innovation NOUN issue-2782 261 3 in in ADP issue-2782 261 4 power power NOUN issue-2782 261 5 and and CCONJ issue-2782 261 6 advanced advanced ADJ issue-2782 261 7 computing computing NOUN issue-2782 261 8 technologies technology NOUN issue-2782 261 9 ( ( PUNCT issue-2782 261 10 i i NOUN issue-2782 261 11 - - NOUN issue-2782 261 12 pact pact NOUN issue-2782 261 13 ) ) PUNCT issue-2782 261 14 . . PUNCT issue-2782 262 1 doi doi NOUN issue-2782 262 2 : : PUNCT issue-2782 262 3 https://doi.org/10.1109/i-pact5 https://doi.org/10.1109/i-pact5 PROPN issue-2782 262 4 2855.2021.9696982 2855.2021.9696982 NUM issue-2782 262 5 eckert eckert PROPN issue-2782 262 6 , , PUNCT issue-2782 262 7 c. c. PROPN issue-2782 262 8 , , PUNCT issue-2782 262 9 & & CCONJ issue-2782 262 10 osterrieder osterrieder PROPN issue-2782 262 11 , , PUNCT issue-2782 262 12 k. k. PROPN issue-2782 262 13 ( ( PUNCT issue-2782 262 14 2020 2020 NUM issue-2782 262 15 ) ) PUNCT issue-2782 262 16 . . PUNCT issue-2782 263 1 how how SCONJ issue-2782 263 2 digitalization digitalization NOUN issue-2782 263 3 affects affect VERB issue-2782 263 4 insurance insurance NOUN issue-2782 263 5 companies company NOUN issue-2782 263 6 : : PUNCT issue-2782 263 7 overview overview NOUN issue-2782 263 8 and and CCONJ issue-2782 263 9 use use VERB issue-2782 263 10 cases case NOUN issue-2782 263 11 of of ADP issue-2782 263 12 digital digital ADJ issue-2782 263 13 technologies technology NOUN issue-2782 263 14 . . PUNCT issue-2782 264 1 zeitschrift zeitschrift PROPN issue-2782 264 2 für für PROPN issue-2782 264 3 die die VERB issue-2782 264 4 gesamte gesamte PROPN issue-2782 264 5 versicherungswissenschaft versicherungswissenschaft PROPN issue-2782 264 6 , , PUNCT issue-2782 264 7 vol vol NOUN issue-2782 264 8 . . PUNCT issue-2782 265 1 109(5 109(5 NUM issue-2782 265 2 ) ) PUNCT issue-2782 266 1 , , PUNCT issue-2782 266 2 p. p. PROPN issue-2782 266 3 333–360 333–360 NUM issue-2782 266 4 . . PUNCT issue-2782 267 1 doi doi NOUN issue-2782 267 2 : : PUNCT issue-2782 267 3 https://doi.org/10.1007/s12297-020-00475-9 https://doi.org/10.1007/s12297-020-00475-9 NUM issue-2782 267 4 eiopa eiopa ADJ issue-2782 267 5 ( ( PUNCT issue-2782 267 6 30 30 NUM issue-2782 267 7 april april PROPN issue-2782 267 8 2021 2021 NUM issue-2782 267 9 ) ) PUNCT issue-2782 267 10 . . PUNCT issue-2782 268 1 artificial artificial ADJ issue-2782 268 2 intelligence intelligence NOUN issue-2782 268 3 governance governance NOUN issue-2782 268 4 principles principle NOUN issue-2782 268 5 : : PUNCT issue-2782 268 6 towards towards ADP issue-2782 268 7 ethical ethical ADJ issue-2782 268 8 and and CCONJ issue-2782 268 9 trustworthy trustworthy ADJ issue-2782 268 10 artificial artificial ADJ issue-2782 268 11 intelligence intelligence NOUN issue-2782 268 12 in in ADP issue-2782 268 13 the the DET issue-2782 268 14 european european ADJ issue-2782 268 15 insurance insurance NOUN issue-2782 268 16 sector sector NOUN issue-2782 268 17 . . PUNCT issue-2782 269 1 a a DET issue-2782 269 2 report report NOUN issue-2782 269 3 from from ADP issue-2782 269 4 eiopa´s eiopa´s ADJ issue-2782 269 5 consultative consultative ADJ issue-2782 269 6 expert expert NOUN issue-2782 269 7 group group NOUN issue-2782 269 8 on on ADP issue-2782 269 9 digital digital ADJ issue-2782 269 10 ethics ethic NOUN issue-2782 269 11 in in ADP issue-2782 269 12 insurance insurance NOUN issue-2782 269 13 . . PUNCT issue-2782 270 1 available available ADJ issue-2782 270 2 at at ADP issue-2782 270 3 : : PUNCT issue-2782 270 4 https://www.eiopa.europa.eu/publications/artificial-intelligence-governanceprinciples-towards-ethical-and-trustworthy-artificial_en https://www.eiopa.europa.eu/publications/artificial-intelligence-governanceprinciples-towards-ethical-and-trustworthy-artificial_en PROPN issue-2782 270 5 eiopa eiopa PROPN issue-2782 270 6 ( ( PUNCT issue-2782 270 7 30 30 NUM issue-2782 270 8 april april PROPN issue-2782 270 9 2024 2024 NUM issue-2782 270 10 ) ) PUNCT issue-2782 270 11 . . PUNCT issue-2782 271 1 report report NOUN issue-2782 271 2 on on ADP issue-2782 271 3 the the DET issue-2782 271 4 digitalisation digitalisation NOUN issue-2782 271 5 of of ADP issue-2782 271 6 the the DET issue-2782 271 7 european european ADJ issue-2782 271 8 insurance insurance NOUN issue-2782 271 9 sector sector NOUN issue-2782 271 10 . . PUNCT issue-2782 272 1 available available ADJ issue-2782 272 2 at at ADP issue-2782 272 3 : : PUNCT issue-2782 272 4 https://www.eiopa.europa.eu/document/download/6ca9e171-42b9-44d7-a2e6-beaf0134ecb8_en?file https://www.eiopa.europa.eu/document/download/6ca9e171-42b9-44d7-a2e6-beaf0134ecb8_en?file NOUN issue-2782 272 5 name name NOUN issue-2782 272 6 = = SYM issue-2782 272 7 report%20on%20the%20digitalisation%20of%20the%20european%20insurance%20sector.pdf report%20on%20the%20digitalisation%20of%20the%20european%20insurance%20sector.pdf NOUN issue-2782 272 8 fedyshyn fedyshyn NOUN issue-2782 272 9 , , PUNCT issue-2782 272 10 m. m. PROPN issue-2782 272 11 f. f. PROPN issue-2782 272 12 , , PUNCT issue-2782 272 13 abramova abramova PROPN issue-2782 272 14 , , PUNCT issue-2782 272 15 a. a. PROPN issue-2782 272 16 s. s. PROPN issue-2782 272 17 , , PUNCT issue-2782 272 18 zhavoronok zhavoronok PROPN issue-2782 272 19 , , PUNCT issue-2782 272 20 a. a. PROPN issue-2782 272 21 v. v. PROPN issue-2782 272 22 , , PUNCT issue-2782 272 23 & & CCONJ issue-2782 272 24 marych marych ADJ issue-2782 272 25 , , PUNCT issue-2782 272 26 m. m. NOUN issue-2782 272 27 g. g. PROPN issue-2782 272 28 ( ( PUNCT issue-2782 272 29 2019 2019 NUM issue-2782 272 30 ) ) PUNCT issue-2782 272 31 . . PUNCT issue-2782 273 1 management management NOUN issue-2782 273 2 of of ADP issue-2782 273 3 competitiveness competitiveness NOUN issue-2782 273 4 of of ADP issue-2782 273 5 the the DET issue-2782 273 6 banking banking NOUN issue-2782 273 7 services service NOUN issue-2782 273 8 . . PUNCT issue-2782 274 1 financial financial ADJ issue-2782 274 2 and and CCONJ issue-2782 274 3 credit credit NOUN issue-2782 274 4 activity activity NOUN issue-2782 274 5 : : PUNCT issue-2782 274 6 problems problem NOUN issue-2782 274 7 of of ADP issue-2782 274 8 theory theory NOUN issue-2782 274 9 and and CCONJ issue-2782 274 10 practice practice NOUN issue-2782 274 11 , , PUNCT issue-2782 274 12 vol vol NOUN issue-2782 274 13 . . PROPN issue-2782 274 14 1(28 1(28 NUM issue-2782 274 15 ) ) PUNCT issue-2782 274 16 , , PUNCT issue-2782 275 1 p. p. NOUN issue-2782 275 2 64–74 64–74 NUM issue-2782 275 3 . . PUNCT issue-2782 276 1 doi doi NOUN issue-2782 276 2 : : PUNCT issue-2782 276 3 https://doi.org/10.18371/fcaptp.v1i28.163340 https://doi.org/10.18371/fcaptp.v1i28.163340 NOUN issue-2782 276 4 forinsurer forinsurer X issue-2782 276 5 ( ( PUNCT issue-2782 276 6 2024 2024 NUM issue-2782 276 7 ) ) PUNCT issue-2782 276 8 . . PUNCT issue-2782 277 1 the the DET issue-2782 277 2 market market NOUN issue-2782 277 3 for for ADP issue-2782 277 4 generative generative ADJ issue-2782 277 5 artificial artificial ADJ issue-2782 277 6 intelligence intelligence NOUN issue-2782 277 7 in in ADP issue-2782 277 8 insurance insurance NOUN issue-2782 277 9 will will AUX issue-2782 277 10 grow grow VERB issue-2782 277 11 to to ADP issue-2782 277 12 $ $ SYM issue-2782 277 13 5.5 5.5 NUM issue-2782 277 14 billion billion NUM issue-2782 277 15 by by ADP issue-2782 277 16 2032 2032 NUM issue-2782 277 17 . . PUNCT issue-2782 278 1 available available ADJ issue-2782 278 2 at at ADP issue-2782 278 3 : : PUNCT issue-2782 278 4 https://forinsurer.com/news/23/06/09/42744 https://forinsurer.com/news/23/06/09/42744 PROPN issue-2782 278 5 grigoraș grigoraș PROPN issue-2782 278 6 - - PUNCT issue-2782 278 7 ichim ichim PROPN issue-2782 278 8 , , PUNCT issue-2782 278 9 c. c. PROPN issue-2782 278 10 e. e. PROPN issue-2782 278 11 , , PUNCT issue-2782 278 12 cosmulese cosmulese PROPN issue-2782 278 13 , , PUNCT issue-2782 278 14 c. c. PROPN issue-2782 278 15 g. g. PROPN issue-2782 278 16 , , PUNCT issue-2782 278 17 savchuk savchuk PROPN issue-2782 278 18 , , PUNCT issue-2782 278 19 d. d. PROPN issue-2782 278 20 , , PUNCT issue-2782 278 21 & & CCONJ issue-2782 278 22 zhavoronok zhavoronok PROPN issue-2782 278 23 , , PUNCT issue-2782 278 24 a. a. NOUN issue-2782 278 25 ( ( PUNCT issue-2782 278 26 2018 2018 NUM issue-2782 278 27 ) ) PUNCT issue-2782 278 28 . . PUNCT issue-2782 279 1 shaping shape VERB issue-2782 279 2 the the DET issue-2782 279 3 perception perception NOUN issue-2782 279 4 and and CCONJ issue-2782 279 5 vision vision NOUN issue-2782 279 6 of of ADP issue-2782 279 7 economic economic ADJ issue-2782 279 8 operators operator NOUN issue-2782 279 9 from from ADP issue-2782 279 10 the the DET issue-2782 279 11 romania romania PROPN issue-2782 279 12 – – PUNCT issue-2782 279 13 ukraine ukraine PROPN issue-2782 279 14 – – PUNCT issue-2782 279 15 moldova moldova PROPN issue-2782 279 16 border border NOUN issue-2782 279 17 area area NOUN issue-2782 279 18 on on ADP issue-2782 279 19 interim interim ADJ issue-2782 279 20 financial financial ADJ issue-2782 279 21 reporting reporting NOUN issue-2782 279 22 . . PUNCT issue-2782 280 1 economic economic ADJ issue-2782 280 2 annals annal NOUN issue-2782 280 3 - - PUNCT issue-2782 280 4 xxi xxi PROPN issue-2782 280 5 . . PUNCT issue-2782 280 6 vol vol NOUN issue-2782 280 7 . . PUNCT issue-2782 281 1 173(9 173(9 NUM issue-2782 281 2 - - SYM issue-2782 281 3 10 10 NUM issue-2782 281 4 ) ) PUNCT issue-2782 282 1 , , PUNCT issue-2782 282 2 p. p. NOUN issue-2782 282 3 60–67 60–67 NUM issue-2782 282 4 . . PUNCT issue-2782 283 1 doi doi NOUN issue-2782 283 2 : : PUNCT issue-2782 283 3 https://doi.org/10.21003/ea.v173-10 https://doi.org/10.21003/ea.v173-10 ADJ issue-2782 283 4 hyperexponential hyperexponential NOUN issue-2782 283 5 ( ( PUNCT issue-2782 283 6 2024 2024 NUM issue-2782 283 7 ) ) PUNCT issue-2782 283 8 . . PUNCT issue-2782 284 1 research research NOUN issue-2782 284 2 report report NOUN issue-2782 284 3 . . PUNCT issue-2782 285 1 state state NOUN issue-2782 285 2 of of ADP issue-2782 285 3 pricing pricing NOUN issue-2782 285 4 2024 2024 NUM issue-2782 285 5 : : PUNCT issue-2782 285 6 mind mind VERB issue-2782 285 7 the the DET issue-2782 285 8 gap gap NOUN issue-2782 285 9 . . PUNCT issue-2782 286 1 available available ADJ issue-2782 286 2 at at ADP issue-2782 286 3 : : PUNCT issue-2782 286 4 https://www.hyperexponential.com/resources/state-of-pricing-2024/ https://www.hyperexponential.com/resources/state-of-pricing-2024/ PROPN issue-2782 286 5 lázaro lázaro NOUN issue-2782 286 6 , , PUNCT issue-2782 286 7 cuesta cuesta PROPN issue-2782 286 8 barberá barberá NOUN issue-2782 286 9 . . PUNCT issue-2782 287 1 ( ( PUNCT issue-2782 287 2 2024 2024 NUM issue-2782 287 3 ) ) PUNCT issue-2782 287 4 . . PUNCT issue-2782 288 1 artificial artificial ADJ issue-2782 288 2 intelligence intelligence NOUN issue-2782 288 3 and and CCONJ issue-2782 288 4 the the DET issue-2782 288 5 insurance insurance NOUN issue-2782 288 6 industry industry NOUN issue-2782 288 7 : : PUNCT issue-2782 288 8 regulatory regulatory ADJ issue-2782 288 9 and and CCONJ issue-2782 288 10 market market NOUN issue-2782 288 11 perspectives perspective NOUN issue-2782 288 12 . . PUNCT issue-2782 289 1 consorsegurosdigital consorsegurosdigital ADJ issue-2782 289 2 , , PUNCT issue-2782 289 3 20 20 NUM issue-2782 289 4 . . PUNCT issue-2782 289 5 available available ADJ issue-2782 289 6 at at ADP issue-2782 289 7 : : PUNCT issue-2782 289 8 https://www.consorsegurosdigital.com/almacen/pdf/ https://www.consorsegurosdigital.com/almacen/pdf/ PROPN issue-2782 289 9 artificial artificial ADJ issue-2782 289 10 - - PUNCT issue-2782 289 11 intelligence intelligence NOUN issue-2782 289 12 - - PUNCT issue-2782 289 13 and and CCONJ issue-2782 289 14 - - PUNCT issue-2782 289 15 the the DET issue-2782 289 16 - - PUNCT issue-2782 289 17 insurance insurance NOUN issue-2782 289 18 - - PUNCT issue-2782 289 19 industry industry NOUN issue-2782 289 20 - - PUNCT issue-2782 289 21 regulatory regulatory ADJ issue-2782 289 22 - - PUNCT issue-2782 289 23 and and CCONJ issue-2782 289 24 - - PUNCT issue-2782 289 25 market market NOUN issue-2782 289 26 - - PUNCT issue-2782 289 27 perspectives.pdf perspectives.pdf NOUN issue-2782 289 28 litvinova litvinova PROPN issue-2782 289 29 , , PUNCT issue-2782 289 30 i. i. PROPN issue-2782 289 31 , , PUNCT issue-2782 289 32 kozub kozub PROPN issue-2782 289 33 , , PUNCT issue-2782 289 34 v. v. ADV issue-2782 289 35 , , PUNCT issue-2782 289 36 & & CCONJ issue-2782 289 37 kozub kozub PROPN issue-2782 289 38 , , PUNCT issue-2782 289 39 s. s. PROPN issue-2782 289 40 ( ( PUNCT issue-2782 289 41 2023 2023 NUM issue-2782 289 42 ) ) PUNCT issue-2782 289 43 . . PUNCT issue-2782 290 1 analysis analysis NOUN issue-2782 290 2 of of ADP issue-2782 290 3 the the DET issue-2782 290 4 activity activity NOUN issue-2782 290 5 of of ADP issue-2782 290 6 the the DET issue-2782 290 7 insurance insurance NOUN issue-2782 290 8 company company NOUN issue-2782 290 9 and and CCONJ issue-2782 290 10 prospects prospect NOUN issue-2782 290 11 of of ADP issue-2782 290 12 its its PRON issue-2782 290 13 development development NOUN issue-2782 290 14 on on ADP issue-2782 290 15 the the DET issue-2782 290 16 market market NOUN issue-2782 290 17 of of ADP issue-2782 290 18 insurance insurance NOUN issue-2782 290 19 services service NOUN issue-2782 290 20 ( ( PUNCT issue-2782 290 21 on on ADP issue-2782 290 22 the the DET issue-2782 290 23 example example NOUN issue-2782 290 24 of of ADP issue-2782 290 25 pjsc pjsc NOUN issue-2782 290 26 " " PUNCT issue-2782 290 27 insurance insurance NOUN issue-2782 290 28 group group NOUN issue-2782 290 29 " " PUNCT issue-2782 290 30 tas ta NOUN issue-2782 290 31 " " PUNCT issue-2782 290 32 ) ) PUNCT issue-2782 290 33 . . PUNCT issue-2782 291 1 economics economic NOUN issue-2782 291 2 of of ADP issue-2782 291 3 development development NOUN issue-2782 291 4 , , PUNCT issue-2782 291 5 vol vol NOUN issue-2782 291 6 . . PUNCT issue-2782 291 7 22(1 22(1 NUM issue-2782 291 8 ) ) PUNCT issue-2782 291 9 , , PUNCT issue-2782 291 10 p. p. NOUN issue-2782 291 11 38–49 38–49 NUM issue-2782 291 12 . . PUNCT issue-2782 292 1 doi doi NOUN issue-2782 292 2 : : PUNCT issue-2782 292 3 https://doi.org/10.57111/econ/1.2023.38 https://doi.org/10.57111/econ/1.2023.38 PROPN issue-2782 292 4 melnychuk melnychuk PROPN issue-2782 292 5 , , PUNCT issue-2782 292 6 yu yu PROPN issue-2782 292 7 . . PROPN issue-2782 292 8 , , PUNCT issue-2782 292 9 chvertko chvertko PROPN issue-2782 292 10 , , PUNCT issue-2782 292 11 l. l. PROPN issue-2782 292 12 , , PUNCT issue-2782 292 13 korniienko korniienko PROPN issue-2782 292 14 , , PUNCT issue-2782 292 15 t. t. PROPN issue-2782 292 16 , , PUNCT issue-2782 292 17 vinnytska vinnytska PROPN issue-2782 292 18 , , PUNCT issue-2782 292 19 o. o. NOUN issue-2782 292 20 , , PUNCT issue-2782 292 21 & & CCONJ issue-2782 292 22 garmatiuk garmatiuk NOUN issue-2782 292 23 , , PUNCT issue-2782 292 24 o. o. NOUN issue-2782 292 25 ( ( PUNCT issue-2782 292 26 2019 2019 NUM issue-2782 292 27 ) ) PUNCT issue-2782 292 28 . . PUNCT issue-2782 293 1 analysis analysis NOUN issue-2782 293 2 of of ADP issue-2782 293 3 the the DET issue-2782 293 4 factors factor NOUN issue-2782 293 5 influencing influence VERB issue-2782 293 6 the the DET issue-2782 293 7 market market NOUN issue-2782 293 8 of of ADP issue-2782 293 9 insurance insurance NOUN issue-2782 293 10 services service NOUN issue-2782 293 11 in in ADP issue-2782 293 12 life life NOUN issue-2782 293 13 insurance insurance NOUN issue-2782 293 14 . . PUNCT issue-2782 294 1 tem tem PROPN issue-2782 294 2 journal journal PROPN issue-2782 294 3 , , PUNCT issue-2782 294 4 vol vol NOUN issue-2782 294 5 . . PUNCT issue-2782 294 6 8(1 8(1 NOUN issue-2782 294 7 ) ) PUNCT issue-2782 294 8 , , PUNCT issue-2782 294 9 p. p. NOUN issue-2782 294 10 201–206 201–206 NUM issue-2782 294 11 . . PUNCT issue-2782 295 1 mirko mirko PROPN issue-2782 295 2 , , PUNCT issue-2782 295 3 kraft kraft PROPN issue-2782 295 4 , , PUNCT issue-2782 295 5 & & CCONJ issue-2782 295 6 bianca bianca PROPN issue-2782 295 7 , , PUNCT issue-2782 295 8 drerup drerup NOUN issue-2782 295 9 . . PUNCT issue-2782 296 1 ( ( PUNCT issue-2782 296 2 2023 2023 NUM issue-2782 296 3 ) ) PUNCT issue-2782 296 4 . . PUNCT issue-2782 297 1 digitalization digitalization NOUN issue-2782 297 2 of of ADP issue-2782 297 3 controlling control VERB issue-2782 297 4 in in ADP issue-2782 297 5 insurance insurance NOUN issue-2782 297 6 companies company NOUN issue-2782 297 7 , , PUNCT issue-2782 297 8 " " PUNCT issue-2782 297 9 springer springer NOUN issue-2782 297 10 books book NOUN issue-2782 297 11 . . PUNCT issue-2782 298 1 in in ADP issue-2782 298 2 : : PUNCT issue-2782 298 3 imke imke PROPN issue-2782 298 4 keimer keimer PROPN issue-2782 298 5 & & CCONJ issue-2782 298 6 ulrich ulrich PROPN issue-2782 298 7 egle egle PROPN issue-2782 298 8 ( ( PUNCT issue-2782 298 9 ed ed NOUN issue-2782 298 10 . . PUNCT issue-2782 298 11 ) ) PUNCT issue-2782 298 12 , , PUNCT issue-2782 298 13 the the DET issue-2782 298 14 digitalization digitalization NOUN issue-2782 298 15 of of ADP issue-2782 298 16 management management NOUN issue-2782 298 17 accounting accounting NOUN issue-2782 298 18 ( ( PUNCT issue-2782 298 19 pp pp ADP issue-2782 298 20 . . PUNCT issue-2782 298 21     SPACE issue-2782 298 22 277 277 NUM issue-2782 298 23 - - SYM issue-2782 298 24 293 293 NUM issue-2782 298 25 ) ) PUNCT issue-2782 298 26 . . PUNCT issue-2782 299 1 novović novović NOUN issue-2782 299 2 - - PUNCT issue-2782 299 3 burić burić ADJ issue-2782 299 4 , , PUNCT issue-2782 299 5 m. m. NOUN issue-2782 299 6 , , PUNCT issue-2782 299 7 & & CCONJ issue-2782 299 8 jakšić jakšić PROPN issue-2782 299 9 - - PUNCT issue-2782 299 10 stojanović stojanović PROPN issue-2782 299 11 , , PUNCT issue-2782 299 12 a. a. NOUN issue-2782 299 13 ( ( PUNCT issue-2782 299 14 2022 2022 NUM issue-2782 299 15 ) ) PUNCT issue-2782 299 16 . . PUNCT issue-2782 300 1 digitalization digitalization NOUN issue-2782 300 2 of of ADP issue-2782 300 3 the the DET issue-2782 300 4 operations operation NOUN issue-2782 300 5 of of ADP issue-2782 300 6 insurance insurance NOUN issue-2782 300 7 companies company NOUN issue-2782 300 8 with with ADP issue-2782 300 9 special special ADJ issue-2782 300 10 reference reference NOUN issue-2782 300 11 to to ADP issue-2782 300 12 the the DET issue-2782 300 13 financial financial ADJ issue-2782 300 14 reporting reporting NOUN issue-2782 300 15 of of ADP issue-2782 300 16 insurers insurer NOUN issue-2782 300 17 in in ADP issue-2782 300 18 montenegro montenegro PROPN issue-2782 300 19 . . PUNCT issue-2782 301 1 in in ADP issue-2782 301 2 : : PUNCT issue-2782 301 3 karabegović karabegović PROPN issue-2782 301 4 , , PUNCT issue-2782 301 5 i. i. PROPN issue-2782 301 6 , , PUNCT issue-2782 301 7 kovačević kovačević PROPN issue-2782 301 8 , , PUNCT issue-2782 301 9 a. a. NOUN issue-2782 301 10 , , PUNCT issue-2782 301 11 mandžuka mandžuka NOUN issue-2782 301 12 , , PUNCT issue-2782 301 13 s. s. PROPN issue-2782 301 14 ( ( PUNCT issue-2782 301 15 eds eds PROPN issue-2782 301 16 ) ) PUNCT issue-2782 301 17 , , PUNCT issue-2782 301 18 new new ADJ issue-2782 301 19 technologies technology NOUN issue-2782 301 20 , , PUNCT issue-2782 301 21 development development NOUN issue-2782 301 22 and and CCONJ issue-2782 301 23 application application NOUN issue-2782 301 24 v. v. ADP issue-2782 301 25 nt nt DET issue-2782 301 26 2022 2022 NUM issue-2782 301 27 . . PUNCT issue-2782 302 1 lecture lecture NOUN issue-2782 302 2 notes note NOUN issue-2782 302 3 in in ADP issue-2782 302 4 networks network NOUN issue-2782 302 5 and and CCONJ issue-2782 302 6 systems system NOUN issue-2782 302 7 , , PUNCT issue-2782 302 8 472 472 NUM issue-2782 302 9 . . PUNCT issue-2782 303 1 springer springer NOUN issue-2782 303 2 , , PUNCT issue-2782 303 3 cham cham PROPN issue-2782 303 4 . . PUNCT issue-2782 304 1 doi doi PROPN issue-2782 304 2 : : PUNCT issue-2782 304 3 https://doi.org/10.1007/978-3-031-05230-9_118 https://doi.org/10.1007/978-3-031-05230-9_118 PROPN issue-2782 304 4 odima odima PROPN issue-2782 304 5 , , PUNCT issue-2782 304 6 charles charles PROPN issue-2782 304 7 , , PUNCT issue-2782 304 8 amitabye amitabye NOUN issue-2782 304 9 luximon luximon PROPN issue-2782 304 10 - - PUNCT issue-2782 304 11 ramma ramma PROPN issue-2782 304 12 , , PUNCT issue-2782 304 13 etta etta PROPN issue-2782 304 14 , , PUNCT issue-2782 304 15 hannah hannah PROPN issue-2782 304 16 . . PUNCT issue-2782 304 17 ( ( PUNCT issue-2782 304 18 2023 2023 NUM issue-2782 304 19 ) ) PUNCT issue-2782 304 20 . . PUNCT issue-2782 305 1 assessment assessment NOUN issue-2782 305 2 of of ADP issue-2782 305 3 knowledge knowledge NOUN issue-2782 305 4 and and CCONJ issue-2782 305 5 rate rate NOUN issue-2782 305 6 of of ADP issue-2782 305 7 service service NOUN issue-2782 305 8 uptake uptake NOUN issue-2782 305 9 of of ADP issue-2782 305 10 community community NOUN issue-2782 305 11 based base VERB issue-2782 305 12 health health NOUN issue-2782 305 13 insurance insurance NOUN issue-2782 305 14 among among ADP issue-2782 305 15 traders trader NOUN issue-2782 305 16 in in ADP issue-2782 305 17 akpan akpan ADJ issue-2782 305 18 andem andem ADJ issue-2782 305 19 market market NOUN issue-2782 305 20 , , PUNCT issue-2782 305 21 uyo uyo PROPN issue-2782 305 22 , , PUNCT issue-2782 305 23 akwa akwa ADJ issue-2782 305 24 ibom ibom ADJ issue-2782 305 25 state state NOUN issue-2782 305 26 , , PUNCT issue-2782 305 27 nigeria nigeria PROPN issue-2782 305 28 . . PUNCT issue-2782 306 1 texila texila PROPN issue-2782 306 2 international international PROPN issue-2782 306 3 journal journal PROPN issue-2782 306 4 of of ADP issue-2782 306 5 public public ADJ issue-2782 306 6 health health NOUN issue-2782 306 7 , , PUNCT issue-2782 306 8 11(2 11(2 NUM issue-2782 306 9 ) ) PUNCT issue-2782 306 10 . . PUNCT issue-2782 307 1 doi doi NOUN issue-2782 307 2 : : PUNCT issue-2782 307 3 https://doi.org/10.21522/tijph.2013.11.02 https://doi.org/10.21522/tijph.2013.11.02 PROPN issue-2782 307 4 . . PUNCT issue-2782 308 1 art001 art001 PROPN issue-2782 308 2 baltic baltic PROPN issue-2782 308 3 journal journal PROPN issue-2782 308 4 of of ADP issue-2782 308 5 economic economic ADJ issue-2782 308 6 studies study NOUN issue-2782 308 7 341 341 NUM issue-2782 308 8 vol vol NOUN issue-2782 308 9 . . PUNCT issue-2782 308 10 11 11 NUM issue-2782 308 11 no no NOUN issue-2782 308 12 . . NOUN issue-2782 308 13 1 1 NUM issue-2782 308 14 , , PUNCT issue-2782 308 15 2025 2025 NUM issue-2782 308 16 parashchak parashchak NOUN issue-2782 308 17 , , PUNCT issue-2782 308 18 o. o. PROPN issue-2782 308 19 ( ( PUNCT issue-2782 308 20 2024 2024 NUM issue-2782 308 21 ) ) PUNCT issue-2782 308 22 . . PUNCT issue-2782 309 1 global global ADJ issue-2782 309 2 generative generative NOUN issue-2782 309 3 ai ai VERB issue-2782 309 4 in in ADP issue-2782 309 5 insurance insurance NOUN issue-2782 309 6 market market NOUN issue-2782 309 7 size size NOUN issue-2782 309 8 worth worth ADJ issue-2782 309 9 $ $ SYM issue-2782 309 10 5,5 5,5 NUM issue-2782 309 11 bn bn NUM issue-2782 309 12 by by ADP issue-2782 309 13 2032 2032 NUM issue-2782 309 14 . . PUNCT issue-2782 310 1 available available ADJ issue-2782 310 2 at at ADP issue-2782 310 3 : : PUNCT issue-2782 310 4 https://beinsure.com/global-generative-ai-insurance-market/ https://beinsure.com/global-generative-ai-insurance-market/ NOUN issue-2782 310 5 pidhayna pidhayna NOUN issue-2782 310 6 , , PUNCT issue-2782 310 7 ye ye X issue-2782 310 8 . . PUNCT issue-2782 310 9 ( ( PUNCT issue-2782 310 10 2024 2024 NUM issue-2782 310 11 ) ) PUNCT issue-2782 310 12 . . PUNCT issue-2782 311 1 amazon amazon PROPN issue-2782 311 2 , , PUNCT issue-2782 311 3 uber uber NOUN issue-2782 311 4 , , PUNCT issue-2782 311 5 spotify spotify NOUN issue-2782 311 6 , , PUNCT issue-2782 311 7 jp jp NOUN issue-2782 311 8 morgan morgan PROPN issue-2782 311 9 , , PUNCT issue-2782 311 10 netflix netflix PROPN issue-2782 311 11 , , PUNCT issue-2782 311 12 tesla tesla PROPN issue-2782 311 13 , , PUNCT issue-2782 311 14 etc etc X issue-2782 311 15 . . X issue-2782 311 16 : : PUNCT issue-2782 312 1 successful successful ADJ issue-2782 312 2 and and CCONJ issue-2782 312 3 failed failed ADJ issue-2782 312 4 cases case NOUN issue-2782 312 5 of of ADP issue-2782 312 6 using use VERB issue-2782 312 7 artificial artificial ADJ issue-2782 312 8 intelligence intelligence NOUN issue-2782 312 9 . . PUNCT issue-2782 313 1 the the DET issue-2782 313 2 income income NOUN issue-2782 313 3 of of ADP issue-2782 313 4 some some DET issue-2782 313 5 giants giant NOUN issue-2782 313 6 increased increase VERB issue-2782 313 7 by by ADP issue-2782 313 8 300 300 NUM issue-2782 313 9 % % NOUN issue-2782 313 10 after after ADP issue-2782 313 11 testing testing NOUN issue-2782 313 12 ai ai VERB issue-2782 313 13 , , PUNCT issue-2782 313 14 and and CCONJ issue-2782 313 15 a a DET issue-2782 313 16 number number NOUN issue-2782 313 17 of of ADP issue-2782 313 18 niche niche NOUN issue-2782 313 19 solutions solution NOUN issue-2782 313 20 suffered suffer VERB issue-2782 313 21 a a DET issue-2782 313 22 complete complete ADJ issue-2782 313 23 collapse collapse NOUN issue-2782 313 24 . . PUNCT issue-2782 314 1 available available ADJ issue-2782 314 2 at at ADP issue-2782 314 3 : : PUNCT issue-2782 314 4 https://mind.ua/publications/20275247-amazon-uber-spotify-jp-morgan-netflixtesla-toshcho-uspishni-ta-provalni-kejsi-zaluchennya-shtuchnogo https://mind.ua/publications/20275247-amazon-uber-spotify-jp-morgan-netflixtesla-toshcho-uspishni-ta-provalni-kejsi-zaluchennya-shtuchnogo NOUN issue-2782 314 5 prokopchuk prokopchuk PROPN issue-2782 314 6 , , PUNCT issue-2782 314 7 o. o. PROPN issue-2782 314 8 , , PUNCT issue-2782 314 9 nepochatenko nepochatenko PROPN issue-2782 314 10 , , PUNCT issue-2782 314 11 o. o. PROPN issue-2782 314 12 , , PUNCT issue-2782 314 13 malyovanyi malyovanyi PROPN issue-2782 314 14 , , PUNCT issue-2782 314 15 m. m. NOUN issue-2782 314 16 , , PUNCT issue-2782 314 17 ulyanych ulyanych NOUN issue-2782 314 18 , , PUNCT issue-2782 314 19 yu yu PROPN issue-2782 314 20 . . PROPN issue-2782 314 21 , , PUNCT issue-2782 314 22 & & CCONJ issue-2782 314 23 bilan bilan PROPN issue-2782 314 24 , , PUNCT issue-2782 314 25 yu yu PROPN issue-2782 314 26 . . PUNCT issue-2782 315 1 ( ( PUNCT issue-2782 315 2 2022 2022 NUM issue-2782 315 3 ) ) PUNCT issue-2782 315 4 . . PUNCT issue-2782 316 1 trends trend NOUN issue-2782 316 2 in in ADP issue-2782 316 3 the the DET issue-2782 316 4 functioning functioning NOUN issue-2782 316 5 of of ADP issue-2782 316 6 the the DET issue-2782 316 7 ukrainian ukrainian ADJ issue-2782 316 8 insurance insurance NOUN issue-2782 316 9 services service NOUN issue-2782 316 10 market market NOUN issue-2782 316 11 . . PUNCT issue-2782 317 1 insurance insurance NOUN issue-2782 317 2 markets market NOUN issue-2782 317 3 and and CCONJ issue-2782 317 4 companies company NOUN issue-2782 317 5 , , PUNCT issue-2782 317 6 vol vol NOUN issue-2782 317 7 . . PUNCT issue-2782 317 8 13(1 13(1 NUM issue-2782 317 9 ) ) PUNCT issue-2782 317 10 , , PUNCT issue-2782 317 11 p. p. NOUN issue-2782 317 12 47–65 47–65 NUM issue-2782 317 13 . . PUNCT issue-2782 318 1 doi doi NOUN issue-2782 318 2 : : PUNCT issue-2782 318 3 http://dx.doi.org/10.21511/ins.13(1).2022.05 http://dx.doi.org/10.21511/ins.13(1).2022.05 NOUN issue-2782 318 4 pugnetti pugnetti NOUN issue-2782 318 5 , , PUNCT issue-2782 318 6 carlo carlo PROPN issue-2782 318 7 , , PUNCT issue-2782 318 8 & & CCONJ issue-2782 318 9 seitz seitz PROPN issue-2782 318 10 mischa mischa PROPN issue-2782 318 11 ( ( PUNCT issue-2782 318 12 2021 2021 NUM issue-2782 318 13 ) ) PUNCT issue-2782 318 14 . . PUNCT issue-2782 319 1 data data NOUN issue-2782 319 2 - - PUNCT issue-2782 319 3 driven drive VERB issue-2782 319 4 services service NOUN issue-2782 319 5 in in ADP issue-2782 319 6 insurance insurance NOUN issue-2782 319 7 : : PUNCT issue-2782 319 8 potential potential ADJ issue-2782 319 9 evolution evolution NOUN issue-2782 319 10 and and CCONJ issue-2782 319 11 impact impact NOUN issue-2782 319 12 in in ADP issue-2782 319 13 the the DET issue-2782 319 14 swiss swiss ADJ issue-2782 319 15 market market NOUN issue-2782 319 16 . . PUNCT issue-2782 320 1 j. j. PROPN issue-2782 320 2 risk risk PROPN issue-2782 320 3 financial financial ADJ issue-2782 320 4 manag manag NOUN issue-2782 320 5 . . PUNCT issue-2782 320 6 , , PUNCT issue-2782 320 7 14(5 14(5 PROPN issue-2782 320 8 ) ) PUNCT issue-2782 320 9 , , PUNCT issue-2782 321 1 227 227 NUM issue-2782 321 2 . . PUNCT issue-2782 321 3 doi doi PROPN issue-2782 321 4 : : PUNCT issue-2782 321 5 https://doi.org/10.3390/jrfm14050227 https://doi.org/10.3390/jrfm14050227 PROPN issue-2782 321 6 ranjan ranjan PROPN issue-2782 321 7 , , PUNCT issue-2782 321 8 ram ram NOUN issue-2782 321 9 . . PUNCT issue-2782 322 1 ( ( PUNCT issue-2782 322 2 2024 2024 NUM issue-2782 322 3 ) ) PUNCT issue-2782 322 4 . . PUNCT issue-2782 323 1 creating create VERB issue-2782 323 2 synergies synergy NOUN issue-2782 323 3 between between ADP issue-2782 323 4 payments payment NOUN issue-2782 323 5 for for ADP issue-2782 323 6 ecosystem ecosystem NOUN issue-2782 323 7 services service NOUN issue-2782 323 8 , , PUNCT issue-2782 323 9 green green ADJ issue-2782 323 10 bonds bond NOUN issue-2782 323 11 , , PUNCT issue-2782 323 12 and and CCONJ issue-2782 323 13 catastrophe catastrophe NOUN issue-2782 323 14 insurance insurance NOUN issue-2782 323 15 markets market NOUN issue-2782 323 16 for for ADP issue-2782 323 17 enhanced enhanced ADJ issue-2782 323 18 environmental environmental ADJ issue-2782 323 19 resilience resilience NOUN issue-2782 323 20 . . PUNCT issue-2782 324 1 land land NOUN issue-2782 324 2 use use NOUN issue-2782 324 3 policy policy NOUN issue-2782 324 4 . . PUNCT issue-2782 325 1 136 136 NUM issue-2782 325 2 , , PUNCT issue-2782 325 3 106970 106970 NUM issue-2782 325 4 . . PUNCT issue-2782 326 1 doi doi PROPN issue-2782 326 2 : : PUNCT issue-2782 326 3 https://doi.org/10.1016/j.landusepol.2023.106970 https://doi.org/10.1016/j.landusepol.2023.106970 PROPN issue-2782 326 4 resch resch PROPN issue-2782 326 5 , , PUNCT issue-2782 326 6 dörte dörte PROPN issue-2782 326 7 , , PUNCT issue-2782 326 8 & & CCONJ issue-2782 326 9 richter richter PROPN issue-2782 326 10 , , PUNCT issue-2782 326 11 sarah sarah PROPN issue-2782 326 12 - - PUNCT issue-2782 326 13 louise louise PROPN issue-2782 326 14 ( ( PUNCT issue-2782 326 15 2021 2021 NUM issue-2782 326 16 ) ) PUNCT issue-2782 326 17 . . PUNCT issue-2782 327 1 leadership leadership NOUN issue-2782 327 2 in in ADP issue-2782 327 3 the the DET issue-2782 327 4 age age NOUN issue-2782 327 5 of of ADP issue-2782 327 6 artificial artificial ADJ issue-2782 327 7 intelligence intelligence NOUN issue-2782 327 8 – – PUNCT issue-2782 327 9 exploring explore VERB issue-2782 327 10 links link NOUN issue-2782 327 11 and and CCONJ issue-2782 327 12 implications implication NOUN issue-2782 327 13 in in ADP issue-2782 327 14 internationally internationally ADV issue-2782 327 15 operating operate VERB issue-2782 327 16 insurance insurance NOUN issue-2782 327 17 companies company NOUN issue-2782 327 18 . . PUNCT issue-2782 328 1 studies study NOUN issue-2782 328 2 in in ADP issue-2782 328 3 systems system NOUN issue-2782 328 4 , , PUNCT issue-2782 328 5 decision decision NOUN issue-2782 328 6 and and CCONJ issue-2782 328 7 control control NOUN issue-2782 328 8 , , PUNCT issue-2782 328 9 vol vol NOUN issue-2782 328 10 . . PUNCT issue-2782 328 11 294 294 NUM issue-2782 328 12 , , PUNCT issue-2782 328 13 p. p. NOUN issue-2782 328 14 315–327 315–327 NUM issue-2782 328 15 . . PUNCT issue-2782 329 1 doi doi NOUN issue-2782 329 2 : : PUNCT issue-2782 329 3 https://doi.org/10.1007/978-3-030-48332-6_21 https://doi.org/10.1007/978-3-030-48332-6_21 PROPN issue-2782 329 4 šatrevičs šatrevičs ADJ issue-2782 329 5 , , PUNCT issue-2782 329 6 v. v. ADV issue-2782 329 7 , , PUNCT issue-2782 329 8 voronova voronova PROPN issue-2782 329 9 , , PUNCT issue-2782 329 10 i. i. PROPN issue-2782 329 11 , , PUNCT issue-2782 329 12 & & CCONJ issue-2782 329 13 freimane freimane PROPN issue-2782 329 14 , , PUNCT issue-2782 329 15 g. g. PROPN issue-2782 329 16 ( ( PUNCT issue-2782 329 17 2019 2019 NUM issue-2782 329 18 ) ) PUNCT issue-2782 329 19 . . PUNCT issue-2782 330 1 the the DET issue-2782 330 2 impact impact NOUN issue-2782 330 3 of of ADP issue-2782 330 4 digital digital ADJ issue-2782 330 5 transformation transformation NOUN issue-2782 330 6 on on ADP issue-2782 330 7 development development NOUN issue-2782 330 8 of of ADP issue-2782 330 9 latvian latvian ADJ issue-2782 330 10 insurance insurance NOUN issue-2782 330 11 companies company NOUN issue-2782 330 12 ’ ’ PART issue-2782 330 13 digitalization digitalization NOUN issue-2782 330 14 strategies strategy NOUN issue-2782 330 15 and and CCONJ issue-2782 330 16 shift shift NOUN issue-2782 330 17 of of ADP issue-2782 330 18 perception perception NOUN issue-2782 330 19 values value NOUN issue-2782 330 20 . . PUNCT issue-2782 331 1 in in ADP issue-2782 331 2 : : PUNCT issue-2782 331 3 vision vision NOUN issue-2782 331 4 2020 2020 NUM issue-2782 331 5 : : PUNCT issue-2782 331 6 sustainable sustainable ADJ issue-2782 331 7 economic economic ADJ issue-2782 331 8 development development NOUN issue-2782 331 9 and and CCONJ issue-2782 331 10 application application NOUN issue-2782 331 11 of of ADP issue-2782 331 12 innovation innovation NOUN issue-2782 331 13 management management NOUN issue-2782 331 14 from from ADP issue-2782 331 15 regional regional ADJ issue-2782 331 16 expansion expansion NOUN issue-2782 331 17 to to ADP issue-2782 331 18 global global ADJ issue-2782 331 19 growth growth NOUN issue-2782 331 20 : : PUNCT issue-2782 331 21 proceedings proceeding NOUN issue-2782 331 22 of of ADP issue-2782 331 23 the the DET issue-2782 331 24 32nd 32nd ADJ issue-2782 331 25 international international ADJ issue-2782 331 26 business business NOUN issue-2782 331 27 information information PROPN issue-2782 331 28 management management PROPN issue-2782 331 29 association association PROPN issue-2782 331 30 conference conference PROPN issue-2782 331 31 ( ( PUNCT issue-2782 331 32 ibima ibima PROPN issue-2782 331 33 ) ) PUNCT issue-2782 331 34 ( ( PUNCT issue-2782 331 35 pp pp ADV issue-2782 331 36 . . PUNCT issue-2782 332 1 5058–5070 5058–5070 NUM issue-2782 332 2 ) ) PUNCT issue-2782 332 3 . . PUNCT issue-2782 333 1 strønen strønen PROPN issue-2782 333 2 , , PUNCT issue-2782 333 3 fred fred PROPN issue-2782 333 4 . . PUNCT issue-2782 334 1 ( ( PUNCT issue-2782 334 2 2020 2020 NUM issue-2782 334 3 ) ) PUNCT issue-2782 334 4 . . PUNCT issue-2782 335 1 digitalization digitalization NOUN issue-2782 335 2 and and CCONJ issue-2782 335 3 knowledge knowledge NOUN issue-2782 335 4 management management NOUN issue-2782 335 5 in in ADP issue-2782 335 6 large large ADJ issue-2782 335 7 norwegian norwegian ADJ issue-2782 335 8 banks bank NOUN issue-2782 335 9 and and CCONJ issue-2782 335 10 insurance insurance NOUN issue-2782 335 11 companies company NOUN issue-2782 335 12 . . PUNCT issue-2782 336 1 european european ADJ issue-2782 336 2 conference conference PROPN issue-2782 336 3 on on ADP issue-2782 336 4 knowledge knowledge NOUN issue-2782 336 5 management management NOUN issue-2782 336 6 ( ( PUNCT issue-2782 336 7 pp pp ADV issue-2782 336 8 . . PUNCT issue-2782 336 9     SPACE issue-2782 337 1 765 765 NUM issue-2782 337 2 - - SYM issue-2782 337 3 771 771 NUM issue-2782 337 4 ) ) PUNCT issue-2782 337 5 . . PUNCT issue-2782 338 1 doi doi NOUN issue-2782 338 2 : : PUNCT issue-2782 338 3 https://doi.org/10.34190/ https://doi.org/10.34190/ PROPN issue-2782 338 4 ekm.20.244 ekm.20.244 NOUN issue-2782 338 5 tavares tavare NOUN issue-2782 338 6 , , PUNCT issue-2782 338 7 edval edval PROPN issue-2782 338 8 da da PROPN issue-2782 338 9 silva silva PROPN issue-2782 338 10 , , PUNCT issue-2782 338 11 leardini leardini PROPN issue-2782 338 12 , , PUNCT issue-2782 338 13 michel michel PROPN issue-2782 338 14 , , PUNCT issue-2782 338 15 pessoa pessoa NOUN issue-2782 338 16 , , PUNCT issue-2782 338 17 marcelo marcelo PROPN issue-2782 338 18 schneck schneck PROPN issue-2782 338 19 de de PROPN issue-2782 338 20 paula paula PROPN issue-2782 338 21 . . PUNCT issue-2782 339 1 ( ( PUNCT issue-2782 339 2 2024 2024 NUM issue-2782 339 3 ) ) PUNCT issue-2782 339 4 . . PUNCT issue-2782 340 1 how how SCONJ issue-2782 340 2 do do VERB issue-2782 340 3 the the DET issue-2782 340 4 barriers barrier NOUN issue-2782 340 5 that that PRON issue-2782 340 6 prevent prevent VERB issue-2782 340 7 or or CCONJ issue-2782 340 8 hinder hinder VERB issue-2782 340 9 the the DET issue-2782 340 10 applicability applicability NOUN issue-2782 340 11 of of ADP issue-2782 340 12 artificial artificial ADJ issue-2782 340 13 intelligence intelligence NOUN issue-2782 340 14 impact impact NOUN issue-2782 340 15 its its PRON issue-2782 340 16 use use NOUN issue-2782 340 17 in in ADP issue-2782 340 18 an an DET issue-2782 340 19 insurance insurance NOUN issue-2782 340 20 company company NOUN issue-2782 340 21 . . PUNCT issue-2782 341 1 innovation innovation NOUN issue-2782 341 2 & & CCONJ issue-2782 341 3 management management PROPN issue-2782 341 4 review review PROPN issue-2782 341 5 . . PUNCT issue-2782 342 1 yahya yahya PROPN issue-2782 342 2 , , PUNCT issue-2782 342 3 aya aya PROPN issue-2782 342 4 , , PUNCT issue-2782 342 5 abulrub abulrub PROPN issue-2782 342 6 , , PUNCT issue-2782 342 7 sireen sireen PROPN issue-2782 342 8 , , PUNCT issue-2782 342 9 alnasr alnasr PROPN issue-2782 342 10 , , PUNCT issue-2782 342 11 firas firas PROPN issue-2782 342 12 , , PUNCT issue-2782 342 13 nour nour PROPN issue-2782 342 14 , , PUNCT issue-2782 342 15 i. i. PROPN issue-2782 342 16 abdulnaser abdulnaser NOUN issue-2782 342 17 . . PUNCT issue-2782 343 1 ( ( PUNCT issue-2782 343 2 2024 2024 NUM issue-2782 343 3 ) ) PUNCT issue-2782 343 4 . . PUNCT issue-2782 344 1 the the DET issue-2782 344 2 impact impact NOUN issue-2782 344 3 of of ADP issue-2782 344 4 artificial artificial ADJ issue-2782 344 5 intelligence intelligence NOUN issue-2782 344 6 on on ADP issue-2782 344 7 customer customer NOUN issue-2782 344 8 relationship relationship NOUN issue-2782 344 9 management management NOUN issue-2782 344 10 in in ADP issue-2782 344 11 insurance insurance NOUN issue-2782 344 12 companies company NOUN issue-2782 344 13 in in ADP issue-2782 344 14 palestine palestine PROPN issue-2782 344 15 . . PUNCT issue-2782 345 1 studies study NOUN issue-2782 345 2 in in ADP issue-2782 345 3 big big ADJ issue-2782 345 4 data datum NOUN issue-2782 345 5 achieving achieve VERB issue-2782 345 6 sustainable sustainable ADJ issue-2782 345 7 business business NOUN issue-2782 345 8 through through ADP issue-2782 345 9 ai ai PROPN issue-2782 345 10 , , PUNCT issue-2782 345 11 technology technology NOUN issue-2782 345 12 education education NOUN issue-2782 345 13 and and CCONJ issue-2782 345 14 computer computer NOUN issue-2782 345 15 science science NOUN issue-2782 345 16 , , PUNCT issue-2782 345 17 vol vol NOUN issue-2782 345 18 . . PROPN issue-2782 345 19 163 163 NUM issue-2782 345 20 , , PUNCT issue-2782 345 21 p. p. NOUN issue-2782 345 22 257–271 257–271 NUM issue-2782 345 23 . . PUNCT issue-2782 346 1 yang yang PROPN issue-2782 346 2 , , PUNCT issue-2782 346 3 g. g. PROPN issue-2782 346 4 , , PUNCT issue-2782 346 5 zhang zhang PROPN issue-2782 346 6 , , PUNCT issue-2782 346 7 x. x. PROPN issue-2782 346 8 , , PUNCT issue-2782 346 9 xu xu PROPN issue-2782 346 10 , , PUNCT issue-2782 346 11 z. z. PROPN issue-2782 346 12 , , PUNCT issue-2782 346 13 & & CCONJ issue-2782 346 14 zhang zhang PROPN issue-2782 346 15 , , PUNCT issue-2782 346 16 l. l. PROPN issue-2782 346 17 ( ( PUNCT issue-2782 346 18 2024 2024 NUM issue-2782 346 19 ) ) PUNCT issue-2782 346 20 . . PUNCT issue-2782 347 1 social social ADJ issue-2782 347 2 medical medical ADJ issue-2782 347 3 insurances insurance NOUN issue-2782 347 4 , , PUNCT issue-2782 347 5 choices choice NOUN issue-2782 347 6 of of ADP issue-2782 347 7 medical medical ADJ issue-2782 347 8 institutions institution NOUN issue-2782 347 9 and and CCONJ issue-2782 347 10 the the DET issue-2782 347 11 ‘ ' PUNCT issue-2782 347 12 siphon siphon ADJ issue-2782 347 13 effect effect NOUN issue-2782 347 14 ’ ' PUNCT issue-2782 347 15 in in ADP issue-2782 347 16 the the DET issue-2782 347 17 health health NOUN issue-2782 347 18 service service NOUN issue-2782 347 19 market market NOUN issue-2782 347 20 : : PUNCT issue-2782 347 21 evidence evidence NOUN issue-2782 347 22 from from ADP issue-2782 347 23 2021 2021 NUM issue-2782 347 24 yangtze yangtze PROPN issue-2782 347 25 river river PROPN issue-2782 347 26 delta delta PROPN issue-2782 347 27 region region NOUN issue-2782 347 28 of of ADP issue-2782 347 29 china china PROPN issue-2782 347 30 . . PUNCT issue-2782 348 1 risk risk NOUN issue-2782 348 2 management management NOUN issue-2782 348 3 and and CCONJ issue-2782 348 4 healthcare healthcare NOUN issue-2782 348 5 policy policy NOUN issue-2782 348 6 , , PUNCT issue-2782 348 7 vol vol NOUN issue-2782 348 8 . . PROPN issue-2782 348 9 17 17 NUM issue-2782 348 10 , , PUNCT issue-2782 348 11 p. p. NOUN issue-2782 348 12 1287–1299 1287–1299 NUM issue-2782 348 13 . . PUNCT issue-2782 349 1 doi doi NOUN issue-2782 349 2 : : PUNCT issue-2782 349 3 https://doi.org/10.2147/rmhp.s458178 https://doi.org/10.2147/rmhp.s458178 PROPN issue-2782 349 4 zhang zhang PROPN issue-2782 349 5 , , PUNCT issue-2782 349 6 yanru yanru PROPN issue-2782 349 7 , , PUNCT issue-2782 349 8 jiang jiang PROPN issue-2782 349 9 , , PUNCT issue-2782 349 10 chunxiao chunxiao NOUN issue-2782 349 11 , , PUNCT issue-2782 349 12 tran tran PROPN issue-2782 349 13 , , PUNCT issue-2782 349 14 nguyen nguyen PROPN issue-2782 349 15 h. h. PROPN issue-2782 349 16 , , PUNCT issue-2782 349 17 bu bu PROPN issue-2782 349 18 , , PUNCT issue-2782 349 19 shengrong shengrong NOUN issue-2782 349 20 , , PUNCT issue-2782 349 21 yu yu PROPN issue-2782 349 22 , , PUNCT issue-2782 349 23 fei fei PROPN issue-2782 349 24 richard richard PROPN issue-2782 349 25 , , PUNCT issue-2782 349 26 & & CCONJ issue-2782 349 27 han han PROPN issue-2782 349 28 , , PUNCT issue-2782 349 29 zhu zhu PROPN issue-2782 349 30 . . PUNCT issue-2782 350 1 ( ( PUNCT issue-2782 350 2 2022 2022 NUM issue-2782 350 3 ) ) PUNCT issue-2782 350 4 . . PUNCT issue-2782 351 1 insurance insurance NOUN issue-2782 351 2 plan plan NOUN issue-2782 351 3 for for ADP issue-2782 351 4 service service NOUN issue-2782 351 5 assurance assurance NOUN issue-2782 351 6 in in ADP issue-2782 351 7 cloud cloud NOUN issue-2782 351 8 computing computing NOUN issue-2782 351 9 market market NOUN issue-2782 351 10 with with ADP issue-2782 351 11 incomplete incomplete ADJ issue-2782 351 12 information information NOUN issue-2782 351 13 . . PUNCT issue-2782 352 1 journal journal NOUN issue-2782 352 2 of of ADP issue-2782 352 3 communications communication NOUN issue-2782 352 4 and and CCONJ issue-2782 352 5 information information NOUN issue-2782 352 6 networks network NOUN issue-2782 352 7 , , PUNCT issue-2782 352 8 vol vol NOUN issue-2782 352 9 . . PUNCT issue-2782 352 10 7(1 7(1 NUM issue-2782 352 11 ) ) PUNCT issue-2782 352 12 , , PUNCT issue-2782 352 13 p. p. NOUN issue-2782 352 14 11–22 11–22 NUM issue-2782 352 15 . . PUNCT issue-2782 353 1 doi doi NOUN issue-2782 353 2 : : PUNCT issue-2782 353 3 https://doi.org/10.23919/jcin.2022.9745478 https://doi.org/10.23919/jcin.2022.9745478 PROPN issue-2782 353 4 received receive VERB issue-2782 353 5 on on ADP issue-2782 353 6 : : PUNCT issue-2782 353 7 26th 26th NOUN issue-2782 353 8 of of ADP issue-2782 353 9 january january PROPN issue-2782 353 10 , , PUNCT issue-2782 353 11 2025 2025 NUM issue-2782 353 12 accepted accept VERB issue-2782 353 13 on on ADP issue-2782 353 14 : : PUNCT issue-2782 353 15 12th 12th NOUN issue-2782 353 16 of of ADP issue-2782 353 17 march march PROPN issue-2782 353 18 , , PUNCT issue-2782 353 19 2025 2025 NUM issue-2782 353 20 published publish VERB issue-2782 353 21 on on ADP issue-2782 353 22 : : PUNCT issue-2782 353 23 04th 04th NOUN issue-2782 353 24 of of ADP issue-2782 353 25 april april PROPN issue-2782 353 26 , , PUNCT issue-2782 353 27 2025 2025 NUM