Sigortac\u0131l\u0131kta \u00f6ng\u00f6r\u00fclen riskler 2019 ara\u015ft\u0131rmas\u0131na g\u00f6re, hem T\u00fcrkiye\u2019de hem de k\u00fcresel sigortac\u0131l\u0131k sekt\u00f6r\u00fc i\u00e7in teknoloji ba\u015fl\u0131ca risk olarak \u00f6ne \u00e7\u0131kt\u0131.<\/p>\n
PwC ve Finansal Yenilik Et\u00fct Merkezi (Centre for the Study of Financial Innovation – CSFI) i\u015f birli\u011fiyle haz\u0131rlanan sigortac\u0131l\u0131kta \u00f6ng\u00f6r\u00fclen riskler 2019 ara\u015ft\u0131rmas\u0131 yay\u0131mland\u0131. T\u00fcrkiye d\u00e2hil 53 \u00fclkeden 900\u2019\u00fc a\u015fk\u0131n kat\u0131l\u0131mc\u0131n\u0131n katk\u0131 sa\u011flad\u0131\u011f\u0131 ara\u015ft\u0131rma i\u00e7in T\u00fcrkiye\u2019den toplam 27 kat\u0131l\u0131mc\u0131n\u0131n g\u00f6r\u00fc\u015flerine yer verildi. Rapora g\u00f6re, k\u00fcresel \u00f6l\u00e7ekte teknoloji riski, siber riskler ve de\u011fi\u015fim y\u00f6netimi ba\u015fl\u0131klar\u0131 bu y\u0131l risk s\u0131ralamas\u0131nda ilk \u00fc\u00e7te yer al\u0131yor. \u0130\u015f yap\u0131\u015f \u015fekilleri ve kullan\u0131lan teknolojinin modernle\u015ftirilmesi gereklili\u011fi, \u00f6n\u00fcm\u00fczdeki 2 ila 3 y\u0131lda k\u00fcresel sigorta sekt\u00f6r\u00fcn\u00fcn en b\u00fcy\u00fck endi\u015fe kayna\u011f\u0131 olarak \u00f6ne \u00e7\u0131k\u0131yor. Ara\u015ft\u0131rma, \u00e7o\u011fu \u015firketin sekt\u00f6r\u00fcn de\u011fi\u015fen taleplerine yan\u0131t vermekte yetersiz kalan geleneksel i\u015f modelleri ve bilgi teknolojileri altyap\u0131lar\u0131 nedeniyle zor durumda oldu\u011funa i\u015faret ediyor.<\/p>\n
Siber su\u00e7lardan kaynaklanan riskler k\u00fcresel olarak ikinci en b\u00fcy\u00fck risk olarak s\u0131ralan\u0131rken, siberle ilgili endi\u015felerin ge\u00e7mi\u015f y\u0131llara g\u00f6re yo\u011funla\u015ft\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Rapora g\u00f6re sigorta sekt\u00f6r\u00fc, bar\u0131nd\u0131rd\u0131\u011f\u0131 de\u011ferli veri miktar\u0131 g\u00f6z \u00f6n\u00fcnde bulunduruldu\u011funda \u00e7o\u011fu olduk\u00e7a karma\u015f\u0131k olan bir\u00e7ok sald\u0131r\u0131yla kar\u015f\u0131 kar\u015f\u0131ya kalabilir. De\u011fi\u015fim y\u00f6netimine yeterince \u00f6nem verilmemesi riski ise bu y\u0131l listede \u00fc\u00e7\u00fcnc\u00fc s\u0131rada yer al\u0131yor. Yapay zek\u00e2, nesnelerin interneti gibi teknolojilerin yan\u0131 s\u0131ra radikal bir \u015feklide farkl\u0131la\u015fan m\u00fc\u015fteri beklentilerinden kaynaklanan bu de\u011fi\u015fim talebi, sigorta sekt\u00f6r\u00fcnde ciddi bir revizyon ihtiyac\u0131n\u0131 da beraberinde getiriyor.<\/p>\n
\u00c7al\u0131\u015fman\u0131n ilk yap\u0131ld\u0131\u011f\u0131 y\u0131l olan 2007\u2019den itibaren bak\u0131ld\u0131\u011f\u0131nda, k\u00fcresel \u00f6l\u00e7ekte sekt\u00f6rde bu y\u0131l karamsarl\u0131\u011f\u0131n belirgin olarak artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Bu genel karamsarl\u0131k, b\u00fcy\u00fck \u00f6l\u00e7\u00fcde, teknolojik ve yap\u0131sal de\u011fi\u015fim s\u00fcrecinde sekt\u00f6r\u00fcn kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131 zorluklar\u0131 ba\u015far\u0131l\u0131 bir \u015fekilde y\u00f6netme kabiliyetiyle ilgili endi\u015felerden kaynaklan\u0131yor. Ayr\u0131ca, d\u00fcnyan\u0131n her yerinde giderek artan ekonomik belirsizlikler ve yo\u011fun reg\u00fclasyonlar bu karamsarl\u0131kta rol oynuyor.<\/p>\n
S\u00f6z konusu riskler T\u00fcrkiye\u2019de daha \u00fcst s\u0131ralarda<\/p>\n
T\u00fcrkiye sigorta sekt\u00f6r\u00fc de teknolojik de\u011fi\u015fimle gelen zorluklar kar\u015f\u0131s\u0131nda, \u00f6zellikle yeni i\u015f modelleri, adaptasyon ve veri g\u00fcvenli\u011fi konular\u0131nda k\u00fcresel \u00f6l\u00e7ekteki endi\u015feyi payla\u015f\u0131yor. Zira, teknoloji bir risk unsuru olarak 2017 y\u0131l\u0131ndaki ara\u015ft\u0131rmada 6\u2019nc\u0131 s\u0131rada yer al\u0131rken, bu y\u0131l ilk s\u0131raya y\u00fckseliyor. Teknoloji temelli risklerle ba\u015fa \u00e7\u0131kabilmek i\u00e7in geli\u015ftirilmesi gereken de\u011fi\u015fim y\u00f6netimi, \u00f6ng\u00f6r\u00fclen riskler listesinde hem T\u00fcrkiye hem de k\u00fcresel i\u00e7in 3\u2019\u00fcnc\u00fc s\u0131rada yer al\u0131yor. T\u00fcrkiye\u2019nin ayr\u0131ca kredi riski, iklim de\u011fi\u015fikli\u011fi ve makroekonomi ba\u015fl\u0131klar\u0131nda k\u00fcresel s\u0131ralamadan ayr\u0131\u015ft\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. S\u00f6z konusu risklerin T\u00fcrkiye\u2019de daha \u00fcst s\u0131ralarda oldu\u011fu g\u00f6r\u00fcl\u00fcyor.<\/p>\n
Sigortac\u0131l\u0131k sekt\u00f6r\u00fcnde \u00f6ng\u00f6r\u00fclen riskler 2019 raporuna ili\u015fkin, PwC T\u00fcrkiye Sigortac\u0131l\u0131k ve Bireysel Emeklilik Sekt\u00f6r\u00fc Lideri Talar G\u00fcl, “Operasyonel riskler sigortac\u0131l\u0131k sekt\u00f6r\u00fc a\u00e7\u0131s\u0131ndan \u00f6nde gelen risk grubu olmay\u0131 s\u00fcrd\u00fcr\u00fcyor. Dijitalle\u015fme \u00e7a\u011f\u0131nda bir yandan daha geli\u015fmi\u015f ve etkili teknolojilere ihtiya\u00e7 duyulurken, bir yandan da siber su\u00e7lar hi\u00e7 olmad\u0131\u011f\u0131 kadar b\u00fcy\u00fck bir tehdit olarak kar\u015f\u0131m\u0131za \u00e7\u0131k\u0131yor. T\u00fcm bunlarla ba\u011flant\u0131l\u0131 olarak, sigorta \u015firketlerinin teknolojideki de\u011fi\u015fimleri ne \u00f6l\u00e7\u00fcde ger\u00e7ekle\u015ftirebilecekleri de\u011fi\u015fim y\u00f6netimi kayg\u0131s\u0131n\u0131 \u00fcst s\u0131ralara ta\u015f\u0131yor. De\u011fi\u015fimi ba\u015far\u0131l\u0131 bir \u015fekilde y\u00f6netmek de\u011fi\u015fimin nas\u0131l alg\u0131land\u0131\u011f\u0131na ba\u011fl\u0131. Bu riskler sigorta \u015firketlerinin proaktif bir yakla\u015f\u0131mla mevcut sistemlerini daha m\u00fc\u015fteri odakl\u0131 geli\u015ftirmeleri i\u00e7in bir f\u0131rsat m\u0131 yoksa sekt\u00f6r\u00fcn i\u00e7inden ge\u00e7ti\u011fi d\u00f6n\u00fc\u015f\u00fcm kar\u015f\u0131s\u0131nda yaln\u0131zca var olmay\u0131 s\u00fcrd\u00fcrmek i\u00e7in tepki vermeleri gereken konular m\u0131? Her iki durumda da, t\u00fcm bu f\u0131rsat ve tehditleri etkili bi\u00e7imde y\u00f6netebilmek i\u00e7in mevcut i\u015f g\u00fcc\u00fcn\u00fcn yetkinliklerinin art\u0131r\u0131lmas\u0131 son derece \u00f6nemli\u201d dedi.<\/p>\n","protected":false},"excerpt":{"rendered":"
S\u0130GORTACILIKTA \u00d6NG\u00d6R\u00dcLEN R\u0130SKLER 2019 ARA\u015eTIRMASINA G\u00d6RE, HEM T\u00dcRK\u0130YE\u2019DE HEM DE K\u00dcRESEL S\u0130GORTACILIK SEKT\u00d6R\u00dc \u0130\u00c7\u0130N TEKNOLOJ\u0130 BA\u015eLICA R\u0130SK OLARAK \u00d6NE \u00c7IKTI. S\u0130GORTACILIK SEKT\u00d6R\u00dcNDE \u00d6NG\u00d6R\u00dcLEN R\u0130SKLER 2019 RAPORUNA \u0130L\u0130\u015eK\u0130N, PWC T\u00dcRK\u0130YE S\u0130GORTACILIK VE B\u0130REYSEL EMEKL\u0130L\u0130K SEKT\u00d6R\u00dc L\u0130DER\u0130 TALAR G\u00dcL, A\u00c7IKLAMALARDA BULUNDU.<\/p>\n","protected":false},"author":1,"featured_media":207124,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[19],"tags":[15340,12215,52294],"class_list":["post-207123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-belirlendi","tag-riskler","tag-sigortacilikta"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/09\/sigortacilikta-riskler-belirlendi_b62bc8f.jpg?fit=800%2C1000","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-RSH","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/207123","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=207123"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/207123\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/207124"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=207123"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=207123"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=207123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}