Russian Federation
The article presents the results of a study of the processes of practical implementation and the potential of blockchain technologies in the insurance industry. As part of the study, the authors analyzed the transition from conceptual models to pilot projects in Russia and abroad and identified the role of the digital ruble as an infrastructural basis for parametric insurance in the Russian Federation. Special attention is paid to the limitations of modern loss settlement models: despite the digitalization of some processes, existing systems remain vulnerable to fraudulent activities, which confirms the need to find fundamentally new technological solutions. The implementation of smart contracts based on a distributed registry will minimize the human factor and reduce the risks of unfair practices. The results of this study can be used by insurance companies for effective digital transformation and by regulators to improve the legal framework in the field of digital financial assets (DFAs) and smart contracts.
insurance, blockchain technologies, smart contracts, parametric insurance, digital ruble, digital transformation, legal regulation
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