Financial Applications in Insurtech: Transforming Risk Assessment, Customer Experience, and Digital Insurance Ecosystem

S. Ayyappan; Ankitha Theres

doi:10.2991/978-94-6239-772-9_15

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Financial Applications in Insurtech: Transforming Risk Assessment, Customer Experience, and Digital Insurance Ecosystem

Authors

S. Ayyappan¹, Ankitha Theres²^{, *}

¹Professor, School of Management, HRBR Campus, CMR University, Bangalore, India

²Research Scholar, School of Management, HRBR Campus, CMR University, Bangalore, India

^*Corresponding author. Email: ankitha.theres@cmr.edu.in

Corresponding Author

Ankitha Theres

Available Online 7 September 2026.

DOI: 10.2991/978-94-6239-772-9_15 How to use a DOI?
Keywords: Insurtech; FinTech; Digital Insurance; Artificial Intelligence; Block Chain; Risk Analytics; India
Abstract: The transformation of Financial Technology and insurance has given rise to Insurtech which is rapidly evolving domain reshaping traditional Insurance models. This paper explores how Fin tech applications like Artificial intelligence, IoT and Big data transforming risk assessment, underwriting, Claim management and customer engagement. An Integrated Insurtech value Chain Model is proposed to explain how FinTech enhances operational efficiency and customer centricity. This study highlights challenges, regulatory concerns, and future directions particularly emerging market like India.
Copyright: © 2026 The Author(s)
Open Access: Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title: Proceedings of the 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025)
Series: Advances in Economics, Business and Management Research
Publication Date: 7 September 2026
ISBN: 978-94-6239-772-9
ISSN: 2352-5428
DOI: 10.2991/978-94-6239-772-9_15 How to use a DOI?
Open Access: Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

ris enw bib

TY  - CONF
AU  - S. Ayyappan
AU  - Ankitha Theres
PY  - 2026
DA  - 2026/09/07
TI  - Financial Applications in Insurtech: Transforming Risk Assessment, Customer Experience, and Digital Insurance Ecosystem
BT  - Proceedings of the 2nd International Conference on Innovations and Challenges in Financial Technology (ICICFT 2025)
PB  - Atlantis Press
SP  - 187
EP  - 194
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-772-9_15
DO  - 10.2991/978-94-6239-772-9_15
ID  - Ayyappan2026
ER  -

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