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Iranian Journal of Insurance Research
ISSN 2251-7723 · Insurance Research Center · 567 artikel di indeks
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Adapting Coopetition Strategy Models from Other Industries to the Platform Ecosystem of the Insurance Industry: A Systematic Review
BACKGROUND AND OBJECTIVES: The insurance industry has recently undergone profound and disruptive changes under the sweeping influence of digital transformation. The emergence of new technologies such as AI, blockchain, etc.… evolving customer expectations and intensifying competitive pressures have…
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An Analysis of the Antecedents and Consequences of Knowledge Absorptive Capacity in the Insurance Industry
BACKGROUND AND OBJECTIVES: Due to the data‑driven and knowledge‑based nature of insurance industry, the development of this industry depends on enhancing its absorptive capacity, i.e., the ability to acquire, analyze, combine, and apply knowledge. Despite the importance of knowledge absorption for…
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Life Insurance Premium Pricing Through Personalized Mortality Table Using the Wang Premium Principle
BACKGROUND AND OBJECTIVES: The conventional approach to life insurance premium pricing relies on standardized mortality tables, which apply uniform survival probabilities to diverse policyholder populations. While this method is computationally straightforward, it overlooks the heterogeneity of…
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Challenges of Iran's Insurance System in Covering Autonomous Vehicle Risks: Limitations and Reform Requirements
Background and Objectives: Autonomous Vehicles (AVs) have emerged as one of the most transformative innovations in the global transportation sector, reshaping traditional concepts of driving, liability, and risk management. While these technologies promise improved safety and efficiency, they also…
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Forecasting Changes in Financial Solvency of Insurance Companies Using Financial Soundness Indicators
BACKGROUND AND OBJECTIVES: The financial solvency and sustainability of insurance companies is widely recognized as a fundamental cornerstone of financial system stability, given the central role insurers play in risk transfer, loss absorption, and long-term capital allocation. Solvent insurance…
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Advanced Analysis of Transportation Data Using Machine Learning: Bill of Lading Insurance Premium Prediction
BACKGROUND AND OBJECTIVES: Intelligent transportation and logistics management are critical components of modern supply chains, directly influencing cost reduction and risk management. With the rapid increase in transportation data, the need for data-driven approaches to financial decision-making…
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Regulation 98 of the Supreme Insurance Council and Additional Coverages of Employer’s Liability Insurance: Ambiguities and Solutions
BACKGROUNDS AND OBJECTIVES: Employer’s liability insurance, which provides coverage for employers against legal liability for bodily injuries or deaths sustained by employees during the course of employment, is one of the most important fields of liability insurance in Iran’s insurance system…
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Risk Identification and Classification in Iranian Pension Funds: Assessment and Control
BACKGROUND AND OBJECTIVES: Pension funds are one of the most critical pillars of a country’s social security system, tasked with ensuring financial protection for retirees and contributing to socio-economic stability. In Iran, the strategic role of pension funds has become increasingly vital due to…
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A Novel Approach to Reducing Fraud in Insurance Processes Using GAN-Based Steganography and AES-GCM Encryption
BACKGROUND AND OBJECTIVES: One of the major challenges in the insurance industry is combating fraud during the claim submission process, which is particularly evident in digital claim systems where customers send images of damages and injuries through mobile applications. As the insurance sector…
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Antecedents, Components, and Consequences of Applying Artificial Intelligence in the Insurance Industry
BACKGROUND AND OBJECTIVES: The integration of artificial intelligence (AI) into the insurance industry represents a major technological shift potentially capable of transforming traditional business models, operational processes, and customer engagement strategies. Despite its initial promise, AI…
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Designing a Sustainable Business Model Innovation (Case Study: A Social Insurance Organization)
BACKGROUND AND OBJECTIVES: Sustainable business model innovation is a widely studied concept in management, sustainability, and innovation literature. Although extensively researched, business models have not fully adapted themselves to the technological, sustainability, and post-pandemic era. A…
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Comparative Analysis of the Performance and Regulatory Frameworks of Fish Farming Insurance in Iran Based on the Experiences of Selected Countries
Background and Objectives:The aquaculture industry, particularly fish farming, plays a significant role in supplying protein for the world’s growing population and constitutes a key component of the global food economy by contributing to food security and employment. Nevertheless, this sector…
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Designing a market-Oriented knowledge management model in cooperatives and insurance
BACKGROUND AND OBJECTIVES: In the current era of digital transformation and data dominance, knowledge has emerged as one of the most valuable and strategic resources alongside traditional organizational assets such as capital, labor, and technology. Businesses across various sectors increasingly…
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Design and validation of a professional competency model for key employees in Iran’s insurance industry: A mixed-methods approach
BACKGROUND AND OBJECTIVES: The insurance industry, as one of the fundamental pillars of the country’s financial and economic system, plays an irreplaceable role in ensuring the security and safety of economic activities, reducing individual and organizational risks, and providing peace of mind for…
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Modeling and actuarial analysis of joint life insurance in the Iran insurance industry
BACKGROUND AND OBJECTIVES: One of the strategies to increase the penetration rate in the country's insurance industry is to create diversity in life insurance products. In this context, one of the expanding life insurance products is joint life insurance, which can cover two individuals under a…
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Developing a Model for the Development of Startups in the Insurance Industry
BACKGROUND AND OBJECTIVES: The most important feature of the present era is change, and nothing is permanent in today's world. These changes have also left their mark on the financial services sector, and the insurance industry should also welcome these major changes. Therefore, using insurance…
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Impact of internal audit quality on the financial performance of insurance companies
BACKGROUND AND OBJECTIVES: Internal auditing is an independent, objective assurance and consulting activity designed to add value and improve an organization's operations. Internal auditing helps the organization achieve its objectives by providing a systematic and disciplined approach to evaluate…
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A comparative study of the insurer's liability in Iran versus leading countries (France, Japan, and the United States), including its legal challenges
BACKGROUND AND OBJECTIVES: With the increasing frequency and severity of natural disasters such as earthquakes, floods, storms, and wildfires, the need for effective and efficient insurance coverage to compensate for damages to individuals and property is increasingly felt. In many countries…
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مسئولیت مدنی مقصر حادثه نسبت به خسارات مازاد بر دیه در سوانح رانندگی مشمول قانون بیمه اجباری
پیشینه و اهداف: مطابق با نظر اقوی، دیه دارای ماهیت دوگانهای بوده و علاوهبرآنکه واجد جنبه کیفری است، وصف حقوقی خود و جبران ضرر و زیان وارده به زیاندیده را نیز داراست. بااینحال لزوم جبران ضرر و زیان وارده اقتضا میکند که مبلغ مقطوع دیه صرفاً بهعنوان حداقلی از خسارات مادی در نظر گرفته شود تا…
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سبد بهینه سرمایهگذاری در طرحهای بیمه با مشارکت معین با رویکرد میانگین-واریانس هدف محور
پیشینه و اهداف: شرکتها و مؤسسات در کشورهای پیشرفته و صنعتی طرحهای بازنشستگی خود را از طرحهایی با مزایای معین به طرحهایی با مشارکت معین تغییر دادهاند. آنها با این رویکرد، ریسک تشکیل و کنترل یک سبد سرمایه برای خرید بیمة عمر مناسب برای بازنشستگی را بر عهدة کارکنان این مراکز قرار دادهاند. در…