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The application of Blockchain technology in the Insurance sector
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As fraudes, no setor financeiro, são as que possuem o maior impacto, em termos de perdas financeiras. Estas provêm de gerências, com pouca transparência e desrespeito para com a inte-gridade da informação a que um cliente tem acesso. Estas práticas afetam o normal funcionamento e crescimento da indústria financeira no seu dia a dia, em específico a indústria das seguradoras. A possibilidade da alteração da apólice do cliente, sem o seu conhecimento ou consentimento, torna-o impotente perante situações em que possa vir a necessitar dos serviços que assegurou. Posto isto, é necessário um sistema que garanta integridade, confidencialidade, transparência, e segurança para os clientes. O blockchain é uma plataforma que oferece todas essas características.
Nesta tese fez-se o estudo e a seleção da plataforma de blockchain mais adequada, para completar as necessidades que a indústria das seguradoras tanto precisa. Depois de escolher a plataforma, prosseguiu-se com o desenvolvimento de um sistema, que servisse de prova de con-ceito em como a plataforma de blockchain oferece integridade, segurança, confidencialidade e transparência.
Fraud at the financial sector is, by far, the major cause regarding financial losses. These come from a not so transparent management and dishonest information that the client has access. These questions affect the world every day, most specifically the insurance sector. The possibility of changing a client’s contract policy without his knowledge nor consent turns out to be a serious inconvenience towards situations where they might need to report the damages to the insurance company. Due to the situation, a system that grants integrity, confidentiality, transparency, and security for their clients is needed. Blockchain is a platform that can provide all these character-istics. In this dissertation, a study was made to find the most fitting blockchain platform, to pre-vent the possibility of fraud commitment that the insurance industry is lacking. After selecting the platform, the development of a system was followed that would serve as proof of concept on how the blockchain platform is able to offer integrity, security, confidentiality, and transparency.
Fraud at the financial sector is, by far, the major cause regarding financial losses. These come from a not so transparent management and dishonest information that the client has access. These questions affect the world every day, most specifically the insurance sector. The possibility of changing a client’s contract policy without his knowledge nor consent turns out to be a serious inconvenience towards situations where they might need to report the damages to the insurance company. Due to the situation, a system that grants integrity, confidentiality, transparency, and security for their clients is needed. Blockchain is a platform that can provide all these character-istics. In this dissertation, a study was made to find the most fitting blockchain platform, to pre-vent the possibility of fraud commitment that the insurance industry is lacking. After selecting the platform, the development of a system was followed that would serve as proof of concept on how the blockchain platform is able to offer integrity, security, confidentiality, and transparency.
Descrição
Palavras-chave
Blockchain Fraud integrity insurance