Advisor(s)
Abstract(s)
O domínio da tecnologia promete transformar os serviços financeiros, conferindolhes valor que os recursos humanos não conseguem atingir. Neste sentido, propomos com o nosso trabalho, um estudo relativo à incrementação da tecnologia no mercado financeiro enquanto recurso para a disrupção dos seus modelos de negócio, em especial, no setor dos seguros. Para tanto, analisaremos as tecnologias-chave da Insurtech, confrontando esta nova realidade com os métodos de aferição do risco praticados e a sua positivação
no ordenamento jurídico português, que ainda se apoia de forma imperativa nas declarações iniciais do tomador do seguro, demonstrando como esta disrupção do mercado segurador poderá transformar o risco. Por fim, analisando alguma regulação que já é imposta a esta figura e o seu panorama em Portugal, tentaremos demostrar como estão a ser encetados esforços para que haja uma equiparação destes agentes com os seguradores tradicionais, referindo ainda alguns exemplos internacionais de regimes regulatórios promotores de inovação, como forma de incentivo à sua prática no nosso ordenamento.
The ascendance of technology promises to transform financial services, giving them the value that human resources can not achieve. In this sense, we propose with our work a study about the increase of technology in the financial market as a resource for the disruption of its business models, especially in the insurance sector. To do so, we will analyze key Insurtech’s technologies, confronting this new reality with risk Assessment methods practiced today and its positivation in the portuguese legal system, which still relies imperatively on the initial statements of the policyholder, demonstrating how this technological increment can transform risk. Additionaly, by analyzing some regulation that is already imposed on this reality and its state in Portugal, we will try to demonstrate what efforts are being made to equate these agents with traditional insurers, while also referring to some international examples of regulatory regimes that promote innovation, as a way of encouraging their practice in our legal system.
The ascendance of technology promises to transform financial services, giving them the value that human resources can not achieve. In this sense, we propose with our work a study about the increase of technology in the financial market as a resource for the disruption of its business models, especially in the insurance sector. To do so, we will analyze key Insurtech’s technologies, confronting this new reality with risk Assessment methods practiced today and its positivation in the portuguese legal system, which still relies imperatively on the initial statements of the policyholder, demonstrating how this technological increment can transform risk. Additionaly, by analyzing some regulation that is already imposed on this reality and its state in Portugal, we will try to demonstrate what efforts are being made to equate these agents with traditional insurers, while also referring to some international examples of regulatory regimes that promote innovation, as a way of encouraging their practice in our legal system.
Description
Keywords
Insurtech Risco Fintech Seguros Tecnologia Risk Insurance Technology