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Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları

Yıl 2020, Sayı: 14, 13 - 25, 28.08.2020

Öz

Dünya çapında önde gelen birçok sigorta şirketi blokzincir teknolojisine yatırımlar yapmaya başladılar. Özellikle Bitcoin’in finansal sektörde yarattığı değişimin diğer alanlarda faaliyet gösteren sektörlerde aynı değişimi yaratması konusunda, bu konuya ilgi gösteren araştırmacı ve bilim insanlarının dikkatini çekmiştir. Son yılların önemli teknolojik dönüşümlerinden birisi olan blokzincirinin, değiştirmekte olduğu birçok alanda olduğu gibi sigorta işkolunda da birçok işleyişi etkileyeceği ve değiştireceği tahmin edilmektedir. Bu çalışma ile sigortacılık sektöründe blokzincir ile ilgili yapılan çalışmalardan yola çıkarak, sektörde ortaya çıkan sorunlara çözüm üretebilecek, yeni uygulama ve yaklaşımları örnekler ile açıklanmaya çalışılmıştır. Blokzincir teknolojisindeki hızlı değişim nedeniyle çalışmamızda mümkün olduğu kadar en son yayınlar incelemiştir. Diğer taraftan blokzincir ile sigorta sektörüne getireceği yeni sistem mimarileri ve dağıtılmış fikir birliği algoritmaları ile blokzincir teknolojilerini destekleyen temel ilkelere genel bir bakış sunulmuştur.

Kaynakça

  • Adam-Kalfon, Pauline, Emmanuel Dubreuil, Marie-Lind Ricard, Jimmy Zou, Patrick Maeder ,( 2017). “Blockchain: A Catalyst for New Approaches in Insurance.” Paris: PwC https://www.pwc.com/gx/en/insurance/ assets/blockchain-a-catalyst.pdf, Erişim Tarihi: 06.12.2019.
  • BiiLabs, (2019) “TransIOT Drive Blockchain Technology into Usage-Based Insurance (UBI) for an Evolution of Claims Transparency, Efficiency and Reliability in Internet of Vehicle (IOV)” https://medium.com/biilabs/biilabs-and-transiot-drive-blockchain-technology-into-usage-based-insurance-ubi-for-an-evolution-c19d905ff4bd, Erişim Tarihi: 06.12.2019.
  • Binance Academy, (2019), “What Is a Blockchain Consensus Algorithm?”, https://www.binance.vision/blockchain/what-is-a-blockchain-consensus-algorithm, Erişim Tarihi: 06.12.2019.
  • Brainard, L. (2008). “What is the role of insurance in economic development?” , https://www.draudimas.com/allpics/What_is_the_role_of_ economic_developement.pdf
  • B3i. “About Us. ” B3i Services. (2019). https://b3i.tech/who-we-are.html., Erişim Tarihi: 06.12.2019.
  • C.B. Insights. (2019) , “How Blockchain Could Disrupt Insurance.” Research Briefs. ,https:// www.cbinsights.com/research/blockchain-insurance-disruption/. Erişim Tarihi:06.12.2019.
  • Cbinsights, (2019) “How Blockchain Could Disrupt Insurance”, https://www.cbinsights.com/research/blockchain-insurance-disruption/
  • Cheng, Steve, Mattias Daub, Axel Domeyer, ve Martin Lundqvist. (2017), “ Using Blockchain to Improve Data Management in the Public Sector”, New York: McKinsey and Company,
  • ConsenSys Insights, (2019) “Blockchain and Insurance: New Technology, New Opportunities”, https://pages.consensys.net/blockchain-insurance#form
  • Daley,s., (2019),”NINE COMPANIES USING BLOCKCHAIN TO REVOLUTIONIZE INSURANCE”, https://builtin.com/blockchain/blockchain-insurance-companies, Erişim Tarihi: 06.12.2019.
  • Deloitte Consulting, (2016), Deloitte Consulting LLP analysis, “Blockchain: Opportunities for Health Care”, https://www2.deloitte.com/content/dam/Deloitte/us/Documents/public-sector/us-blockchain-opportunities-for-health-care.pdf
  • Derebail, Annap, “Three areas in the insurance industry to use blockchain”, (2018), https://www.ibm.com/blogs/blockchain/2018/03/three-areas-in-the-insurance-industry-to-use-blockchain/ ,2018 Erişim Tarihi: 06.12.2019.
  • Fitch Ratings, (2018). “Fitch: Does Blockchain Represent a Paradigm Shift for Insurance?”, https://www.fitchratings.com/site/pr/10027624 , Erişim Tarihi: 06.12.2019.
  • FT, Weinland, D. (2018), “Chinese insurer ZhongAn plans blockchain chicken coup”, https://www.ft.com/content/03930bf2-2cb9-11e8-9b4b-bc4b9f08f381, Erişim Tarihi: 06.12.2019.
  • KPMG, (2017)“How blockchain is tackling insurance industry challenges”, https://home.kpmg/xx/en/home/insights/2018/09/blockchain-in-insurance-fs.html
  • Lorenz, Johannes-Tobias. (2016), “Blockchain in Insurance – Opportunity or Threat?”, Düsseldorf: McKinsey and Company, https://mck.co/2GZh8iP
  • Laurence, T. (2019). “Blockchain for dummies.” John Wiley & Sons. P:153-154
  • Nakamoto, Satoshi.(2008) “Bitcoin: A Peer-to-Peer Electronic Cash System.”, White Paper. https://bitcoin.org/bitcoin.pdf
  • Nazlıer, M.,(2019), Sigortamedya.com.tr, “Sigorta sektöründeki sorunlar “TOP LİST” ,HAYATIMIZ SİGORTALI”, https://www.sigortamedya.com.tr/sigorta-sektorundeki-sorunlar-top-list/ ,Erişim Tarihi: 06.12.2019
  • Medium.com, (2019), “ Insurance, Blockchain, And Fraud: The Evolving Industry Of Insurance”, https://medium.com/@inmediatesg/insurance-blockchain-and-fraud-the-evolving-industry-of-insurance-9c0050b1d61f
  • Pacific Prime, Mervyn Maistry, (2019), “How can blockchain change the insurance world?”, https://www.pacificprime.com/blog/can-blockchain-change-the-insurance-world.html , Erişim Tarihi: 06.12.2019.
  • Prabhakar,(2017), “Cognizant Business Consulting, , “Blockchain: A Potential Game-Changer for Life Insurance”, https://www.cognizant.com/whitepapers/blockchain-a-potential-game-changer-for-life-insurance-codex2484.pdf
  • Prinz, W., Rose, T., Osterland, T., Putschli, C. (2019). “Blockchain. In Digital Transformation (pp. 301-309)”, Springer Vieweg, Berlin, Heidelberg.
  • PricewaterhouseCoopers. (2017), “2017 top issues-An annual report”,
  • PwC Insurance, (2015), “2020 & beyond: Necessity is the mother of reinvention”, https://www.pwc.com.tr/tr/publications/industrial/insurance/pdf/sigorta-sektorunde-2020-ve-sonrasi.pdf
  • Rijmenam, V.M. (2019) “5 Ways How Blockchain Will Change the Travel Indust”, https://vanrijmenam.nl/how-blockchain-changes-travel-industry/, Erişim Tarihi: 06.12.2019.
  • SINGH,N. (2019) “Blockchain for Insurance: Use cases and applications”, https://101blockchains.com/blockchain-for-insurance/ , Erişim Tarihi: 06.12.2019.
  • The Institute and Faculty of Actuaries, (2017), “Blockchain – an Emerging Technology with Wide Potential Application for Insurance”, https://www.actuaries.org.uk/documents/a2-blockchain-emerging-technology-wide-potential-application-insurance , Erişim Tarihi: 06.12.2019.
  • The Digital Insurer, (2019), “Parametric Insurance — Get the claims settled automatically”, https://medium.com/@fidentiaX/parametric-insurance-get-the-claims-settled-automatically-5acad080bc19, Erişim Tarihi: 06.12.2019.
  • Türkiye Sigorta, Reasürans ve Emeklilik Şirketleri Birliği, (2013), “Sigorta Tarihi”, https://www.tsb.org.tr/sigortanin-tarihi.aspx?pageID=438 ,Erişim Tarihi: 06.12.2019.
  • V. Gatteschi, F. Lamberti, C. Demartini, C. Pranteda, and V. Santamar´(2018), “Blockchain and smart contracts for insurance: Is the technology mature enough?”, Future Internet, vol. 10, no. 2, p. 20.
  • Webrazzi.com, (2017), “Axa'nın Blokzinciri temelli sigortası Fizzy, gecikmeli uçuşlarda otomatik tazminat ödeyecek”, https://webrazzi.com/2017/10/06/axa-fizzy/ , Erişim Tarihi: 06.12.2019.
  • Wikipedia, “Blockchin”, https://en.wikipedia.org/wiki/Blockchain, Erişim Tarihi: 06.12.2019
  • Wikipedia, “Usage-based_insurance “, https://en.wikipedia.org/wiki/Usage-based_insurance , Erişim Tarihi: 06.12.2019
Yıl 2020, Sayı: 14, 13 - 25, 28.08.2020

Öz

Kaynakça

  • Adam-Kalfon, Pauline, Emmanuel Dubreuil, Marie-Lind Ricard, Jimmy Zou, Patrick Maeder ,( 2017). “Blockchain: A Catalyst for New Approaches in Insurance.” Paris: PwC https://www.pwc.com/gx/en/insurance/ assets/blockchain-a-catalyst.pdf, Erişim Tarihi: 06.12.2019.
  • BiiLabs, (2019) “TransIOT Drive Blockchain Technology into Usage-Based Insurance (UBI) for an Evolution of Claims Transparency, Efficiency and Reliability in Internet of Vehicle (IOV)” https://medium.com/biilabs/biilabs-and-transiot-drive-blockchain-technology-into-usage-based-insurance-ubi-for-an-evolution-c19d905ff4bd, Erişim Tarihi: 06.12.2019.
  • Binance Academy, (2019), “What Is a Blockchain Consensus Algorithm?”, https://www.binance.vision/blockchain/what-is-a-blockchain-consensus-algorithm, Erişim Tarihi: 06.12.2019.
  • Brainard, L. (2008). “What is the role of insurance in economic development?” , https://www.draudimas.com/allpics/What_is_the_role_of_ economic_developement.pdf
  • B3i. “About Us. ” B3i Services. (2019). https://b3i.tech/who-we-are.html., Erişim Tarihi: 06.12.2019.
  • C.B. Insights. (2019) , “How Blockchain Could Disrupt Insurance.” Research Briefs. ,https:// www.cbinsights.com/research/blockchain-insurance-disruption/. Erişim Tarihi:06.12.2019.
  • Cbinsights, (2019) “How Blockchain Could Disrupt Insurance”, https://www.cbinsights.com/research/blockchain-insurance-disruption/
  • Cheng, Steve, Mattias Daub, Axel Domeyer, ve Martin Lundqvist. (2017), “ Using Blockchain to Improve Data Management in the Public Sector”, New York: McKinsey and Company,
  • ConsenSys Insights, (2019) “Blockchain and Insurance: New Technology, New Opportunities”, https://pages.consensys.net/blockchain-insurance#form
  • Daley,s., (2019),”NINE COMPANIES USING BLOCKCHAIN TO REVOLUTIONIZE INSURANCE”, https://builtin.com/blockchain/blockchain-insurance-companies, Erişim Tarihi: 06.12.2019.
  • Deloitte Consulting, (2016), Deloitte Consulting LLP analysis, “Blockchain: Opportunities for Health Care”, https://www2.deloitte.com/content/dam/Deloitte/us/Documents/public-sector/us-blockchain-opportunities-for-health-care.pdf
  • Derebail, Annap, “Three areas in the insurance industry to use blockchain”, (2018), https://www.ibm.com/blogs/blockchain/2018/03/three-areas-in-the-insurance-industry-to-use-blockchain/ ,2018 Erişim Tarihi: 06.12.2019.
  • Fitch Ratings, (2018). “Fitch: Does Blockchain Represent a Paradigm Shift for Insurance?”, https://www.fitchratings.com/site/pr/10027624 , Erişim Tarihi: 06.12.2019.
  • FT, Weinland, D. (2018), “Chinese insurer ZhongAn plans blockchain chicken coup”, https://www.ft.com/content/03930bf2-2cb9-11e8-9b4b-bc4b9f08f381, Erişim Tarihi: 06.12.2019.
  • KPMG, (2017)“How blockchain is tackling insurance industry challenges”, https://home.kpmg/xx/en/home/insights/2018/09/blockchain-in-insurance-fs.html
  • Lorenz, Johannes-Tobias. (2016), “Blockchain in Insurance – Opportunity or Threat?”, Düsseldorf: McKinsey and Company, https://mck.co/2GZh8iP
  • Laurence, T. (2019). “Blockchain for dummies.” John Wiley & Sons. P:153-154
  • Nakamoto, Satoshi.(2008) “Bitcoin: A Peer-to-Peer Electronic Cash System.”, White Paper. https://bitcoin.org/bitcoin.pdf
  • Nazlıer, M.,(2019), Sigortamedya.com.tr, “Sigorta sektöründeki sorunlar “TOP LİST” ,HAYATIMIZ SİGORTALI”, https://www.sigortamedya.com.tr/sigorta-sektorundeki-sorunlar-top-list/ ,Erişim Tarihi: 06.12.2019
  • Medium.com, (2019), “ Insurance, Blockchain, And Fraud: The Evolving Industry Of Insurance”, https://medium.com/@inmediatesg/insurance-blockchain-and-fraud-the-evolving-industry-of-insurance-9c0050b1d61f
  • Pacific Prime, Mervyn Maistry, (2019), “How can blockchain change the insurance world?”, https://www.pacificprime.com/blog/can-blockchain-change-the-insurance-world.html , Erişim Tarihi: 06.12.2019.
  • Prabhakar,(2017), “Cognizant Business Consulting, , “Blockchain: A Potential Game-Changer for Life Insurance”, https://www.cognizant.com/whitepapers/blockchain-a-potential-game-changer-for-life-insurance-codex2484.pdf
  • Prinz, W., Rose, T., Osterland, T., Putschli, C. (2019). “Blockchain. In Digital Transformation (pp. 301-309)”, Springer Vieweg, Berlin, Heidelberg.
  • PricewaterhouseCoopers. (2017), “2017 top issues-An annual report”,
  • PwC Insurance, (2015), “2020 & beyond: Necessity is the mother of reinvention”, https://www.pwc.com.tr/tr/publications/industrial/insurance/pdf/sigorta-sektorunde-2020-ve-sonrasi.pdf
  • Rijmenam, V.M. (2019) “5 Ways How Blockchain Will Change the Travel Indust”, https://vanrijmenam.nl/how-blockchain-changes-travel-industry/, Erişim Tarihi: 06.12.2019.
  • SINGH,N. (2019) “Blockchain for Insurance: Use cases and applications”, https://101blockchains.com/blockchain-for-insurance/ , Erişim Tarihi: 06.12.2019.
  • The Institute and Faculty of Actuaries, (2017), “Blockchain – an Emerging Technology with Wide Potential Application for Insurance”, https://www.actuaries.org.uk/documents/a2-blockchain-emerging-technology-wide-potential-application-insurance , Erişim Tarihi: 06.12.2019.
  • The Digital Insurer, (2019), “Parametric Insurance — Get the claims settled automatically”, https://medium.com/@fidentiaX/parametric-insurance-get-the-claims-settled-automatically-5acad080bc19, Erişim Tarihi: 06.12.2019.
  • Türkiye Sigorta, Reasürans ve Emeklilik Şirketleri Birliği, (2013), “Sigorta Tarihi”, https://www.tsb.org.tr/sigortanin-tarihi.aspx?pageID=438 ,Erişim Tarihi: 06.12.2019.
  • V. Gatteschi, F. Lamberti, C. Demartini, C. Pranteda, and V. Santamar´(2018), “Blockchain and smart contracts for insurance: Is the technology mature enough?”, Future Internet, vol. 10, no. 2, p. 20.
  • Webrazzi.com, (2017), “Axa'nın Blokzinciri temelli sigortası Fizzy, gecikmeli uçuşlarda otomatik tazminat ödeyecek”, https://webrazzi.com/2017/10/06/axa-fizzy/ , Erişim Tarihi: 06.12.2019.
  • Wikipedia, “Blockchin”, https://en.wikipedia.org/wiki/Blockchain, Erişim Tarihi: 06.12.2019
  • Wikipedia, “Usage-based_insurance “, https://en.wikipedia.org/wiki/Usage-based_insurance , Erişim Tarihi: 06.12.2019
Toplam 34 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Bölüm Makaleler
Yazarlar

Sezai Tunca 0000-0001-9404-9005

Bülent Sezen 0000-0001-7485-3194

Yayımlanma Tarihi 28 Ağustos 2020
Yayımlandığı Sayı Yıl 2020 Sayı: 14

Kaynak Göster

APA Tunca, S., & Sezen, B. (2020). Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları. Bankacılık Ve Sigortacılık Araştırmaları Dergisi(14), 13-25.
AMA Tunca S, Sezen B. Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları. BSAD. Ağustos 2020;(14):13-25.
Chicago Tunca, Sezai, ve Bülent Sezen. “Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları”. Bankacılık Ve Sigortacılık Araştırmaları Dergisi, sy. 14 (Ağustos 2020): 13-25.
EndNote Tunca S, Sezen B (01 Ağustos 2020) Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları. Bankacılık ve Sigortacılık Araştırmaları Dergisi 14 13–25.
IEEE S. Tunca ve B. Sezen, “Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları”, BSAD, sy. 14, ss. 13–25, Ağustos 2020.
ISNAD Tunca, Sezai - Sezen, Bülent. “Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları”. Bankacılık ve Sigortacılık Araştırmaları Dergisi 14 (Ağustos 2020), 13-25.
JAMA Tunca S, Sezen B. Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları. BSAD. 2020;:13–25.
MLA Tunca, Sezai ve Bülent Sezen. “Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları”. Bankacılık Ve Sigortacılık Araştırmaları Dergisi, sy. 14, 2020, ss. 13-25.
Vancouver Tunca S, Sezen B. Sigorta İşlemlerinde Blokzincir (Blockchain) Teknolojisi Uygulamaları. BSAD. 2020(14):13-25.