شناسایی شبکه مضامین فناوریهای نوین در توسعه بیمه تکافل با تأکید بر هوش مصنوعی و بلاکچین
کلمات کلیدی:
فناوریهای نوین, بیمه تکافل, هوش مصنوعی, بلاکچینچکیده
هدف این پژوهش شناسایی و تحلیل شبکه مضامین فناوریهای نوین در توسعه بیمه تکافل با تمرکز بر هوش مصنوعی و بلاکچین است. این مطالعه با رویکرد کیفی و بهرهگیری از تحلیل مضمون براون و کلارک انجام شد. دادهها از طریق مصاحبه نیمهساختاریافته با 20 نفر از خبرگان صنعت بیمه تکافل گردآوری گردید. تحلیل دادهها با کدگذاری باز، محوری و انتخابی در نرمافزار ATLAS TI انجام شد تا مضامین اصلی استخراج شوند. نتایج تحلیل مضمون نشان داد 115 کد اولیه، 50 مضمون سطح یک و 10 مضمون سطح دو شناسایی شدند. مضامین اصلی شامل نوآوریهای فناورانه بیمه، کاربرد هوش مصنوعی، شفافسازی مبتنی بر بلاکچین، تطابق شرعی دیجیتال، زیرساختهای تحول دیجیتال، پیشرانهای بازار تکافل، هوشمندسازی ارزیابی ریسک، شخصیسازی خدمات بیمهای، حاکمیت داده هوشمند و اعتمادسازی فناورانه مشارکتی بودند. فناوریهای نوین همچون هوش مصنوعی و بلاکچین نقش حیاتی در بهبود فرآیندهای بیمه تکافل دارند و میتوانند منجر به افزایش شفافیت، امنیت دادهها، شخصیسازی خدمات و ارتقای اعتماد مشتریان شوند. این امر در نهایت جایگاه رقابتی بیمه تکافل را در بازارهای اسلامی تقویت میکند.
دانلودها
مراجع
Ahmad, S., Karim, R., Sultana, N., & Lima, R. P. (2025). InsurTech: Digital Transformation of the Insurance Industry. In Financial Landscape Transformation: Technological Disruptions (pp. 287-299). Emerald Publishing Limited. https://doi.org/10.1108/978-1-83753-750-120251016
Ahmad, Z., Mokal, M. N., Amatullah, I. a., & Mafaz, M. N. A. (2023). An Evaluation of Bitcoin from Shariah Perspective. Review of Applied Management and Social Sciences, 6(2), 459-480. https://doi.org/10.47067/ramss.v6i2.343
Al-Amri, K., Cummins, J. D., & Weiss, M. A. (2021). Economies of scope, organizational form, and insolvency risk: Evidence from the takaful industry. Journal of International Financial Markets, Institutions and Money, 70, 101259. https://doi.org/10.1016/j.intfin.2020.101259
Alhalboni, M., Ebrahim, M. S., & Jatmiko, W. (2022). Rationalizing the Takaful organizational form with institutional theory. In Handbook of Banking and Finance in Emerging Markets (pp. 506-522). Edward Elgar Publishing. https://doi.org/10.4337/9781800880900.00036
Amjadi, K., Rajaei, Y., Dalmanpour, M., & Rahimzadeh, A. (2022). Developing a model for the acceptance of Takaful insurance in the country's insurance companies from the perspective of organizational readiness indicators based on an ISM-SEM combination. Islamic Economic Studies, 14(2), 533-562. https://ies.isu.ac.ir/article_76246.html?lang=en
Ansari, Z. (2022). A review of 20 years of takaful literature using a systematic method. Asian Journal of Economics and Banking, 6(1), 2-25. https://doi.org/10.1108/AJEB-08-2021-0100
Azimi, M. H., Mohammadi, Z., & Rafii Nasab, F. (2021). Investigating the awareness and usage levels of academic librarians regarding artificial intelligence technology: A case study of librarians from Shahid Chamran University of Ahvaz and Jundishapur University of Medical Sciences, Central Library of Astan Quds Razavi. Library and Information Science, 24(4), 177-154. https://lis.aqr-libjournal.ir/article_135606.html?lang=en
Bahmani Zargari, R., Abouzar, H., & Ahmad, Z. (2020). Integration of artificial intelligence and blockchain technology for use in autonomous vehicles 7th National Congress on Recent Findings in Electrical Engineering in Iran, Tehran. https://en.civilica.com/doc/1037705/ https://en.civilica.com/doc/1037705/
Coskun, A., Habibniya, H., & Keceli, Y. (2021). An efficiency analysis of takaful insurance industry: A comparative study. The Journal of Asian Finance, Economics and Business, 8(7), 111-120. https://www.researchgate.net/publication/365453997_An_Efficiency_Analysis_of_Takaful_Insurance_Industry_A_Comparative_Study
Eletter, S. F. (2024). The use of blockchain in the insurance industry: A bibliometric analysis. Insurance Markets and Companies, 15(1), 12. https://doi.org/10.21511/ins.15(1).2024.02
Faqih, R., & Nurhayati, N. (2023). Opportunities and Challenges of Using FinTech in Takaful Financial Services. el-Buhuth: Borneo Journal of Islamic Studies, 231-243. https://doi.org/10.21093/el-buhuth.v5i2.5875
Fatemi, S. M., & Shayesteh Pour, H. (2022). A review of the role of blockchain technology in improving employee skills in the insurance industry. Resources and Human Capital, 3(1). https://www.magiran.com/paper/2584522/an-overview-of-the-role-of-blockchain-technology-in-improving-employee-skills-in-the-insurance-industry?lang=en
Ghanbarzadeh, M., Hamzeh, A., & Hozarmoghadam, N. (2023). Analysis of Acceptance's Level of Takaful Products in Iran. In Islamic Sustainable Finance, Law and Innovation. Springer. https://doi.org/10.1007/978-3-031-27860-0_1
Hamzeh, A., & Ghanbarzadeh, M. (2023). Identifying and Ranking Factors Affecting the Demand for Takaful Insurance in Iran. In Islamic Sustainable Finance, Law and Innovation. Springer. https://doi.org/10.1007/978-3-031-27860-0_2
Hoshiyar, A., Rousta, A., Asaeesh, F., & Gholami, M. (2023). Developing a value creation model in the insurance industry focusing on blockchain technology. Innovation Management in Defense Organizations, 6(1), 83-108. https://www.qjimdo.ir/article_167815_en.html
Jalali Filshour, M., Alizadeh, H., & Shahryari, S. (2025). Presenting a value co-creation model in banking and insurance with an emphasis on artificial intelligence tools and using a hybrid approach. 31st National Conference and 12th International Conference on Insurance and Development: Public Satisfaction and Trust in the Insurance Industry, https://civilica.com/doc/2148845
Kar, A. K., & Navin, L. (2021). Diffusion of Blockchain in Insurance Industry: An Analysis Through the Review of Academic and Trade Literature. Telematics and Informatics, 58(5), 1-13. https://doi.org/10.1016/j.tele.2020.101532
Naeb Khosrowshahi, H. R., Naahidi Amirkhiz, M. R., Motahari Azad, M. A., & Paytakhti Eskoei, S. A. (2023). Examining the impact of layers of the social security system on economic-Islamic justice with an emphasis on Takaful. Economic Research (Growth and Sustainable Development), 1-25. https://ecor.modares.ac.ir/article_13615.html
Nasir, A., Farooq, U., & Khan, A. (2021). Conceptual and influential structure of Takaful literature: a bibliometric review. International Journal of Islamic and Middle Eastern Finance and Management. https://doi.org/10.1108/IMEFM-04-2020-0192
Parizad, R., & Shakouri, Z. (2021). Pathology of Takaful insurance policy-making in Iran's insurance industry and its impact on the economic development of the Islamic Republic of Iran. International Journal of Research of Nations, 7(73). https://ensani.ir/fa/article/492323/
Ranjbarfard, M., & Dadashi, F. (2024). Examining the applications of Internet of Things technology and its acceptance level in the insurance industry. Information Management Sciences. https://stim.qom.ac.ir/article_3029.html?lang=en
Rubio-Misas, M. (2020). Ownership structure and financial stability: Evidence from Takaful and conventional insurance firms. Pacific-Basin Finance Journal, 62, 101355. https://doi.org/10.1016/j.pacfin.2020.101355
Wang, Q. (2023). Blockchain-Enhanced Smart Contract for Cost-Effective Insurance Claims Processing. Journal of Global Information Management, 31(7), 1-21. https://doi.org/10.4018/jgim.329927
Yousofi, D., Piran Nejad, A., & Jami Pour, M. (2023). Examining how human resource management is influenced by the Internet of Things. Public Management, 15(2), 363-344. https://ensani.ir/fa/article/542726/
Yuping Liu, T., Shintaro, O., & Hairong, L. (2022). Artificial empathy in marketing interactions: Bridging the human AI gap in affective and social customer experience. Journal of the Academy of Marketing Science, 50, 1198-1218. https://doi.org/10.1007/s11747-022-00892-5
Zhang, L., Vinodhini, B., & Maragatham, T. (2022). Interactive IoT Data Visualization for Decision Making in Business Intelligence. Arabian Journal for Science and Engineering, 1-11. https://www.researchgate.net/publication/353223018_Interactive_IoT_Data_Visualization_for_Decision_Making_in_Business_Intelligence
دانلود
چاپ شده
ارسال
بازنگری
پذیرش
شماره
نوع مقاله
مجوز
حق نشر 2025 سمیرا بخشی, نوروز نوراله زاده, علی نجفی مقدم, علی باغانی (نویسنده)

این پروژه تحت مجوز بین المللی Creative Commons Attribution-NonCommercial 4.0 می باشد.