INFORMATION TECHNOLOGIES IN CYBER INSURANCE

M.M. Khydyntsev, O.A. Khomenko

Èlektron. model. 2026, 48(1):33-50

https://doi.org/10.15407/emodel.48.01.033

ABSTRACT

This paper is devoted to reviewing and analyzing the application of information technologies in cyber insurance business processes. Cyber insurance processes are considered in accordance with the requirements of industry regulations and international standards. The aim of the study is to determine the directions and level of implementation of modern information technologies in the financial and insurance sector of Ukraine. The methods of comparative analysis, generalization, and modeling are used. The main cyber insurance processes that provide for or ensure the possibility of applying the latest information technologies are identified, and the level of individual technologies implementation into the best global practices of insurance and cyber insurance is researched using the example of blockchain technology, semantic methods, artificial intelligence, and machine learning technologies, information security, and cybersecurity. Some cyber insurance processes are common with insurance processes, the automation of which is carried out using similar approaches and algorithms. A three-component, five-level model for the implementation of information technologies in cyber insurance in Ukraine is proposed, and recommendations and stages for the implementation of this model are identified. A study of the application of individual elements of the proposed model by leading insurance companies in Ukraine is proposed. The results can be used to improve the effectiveness of the digital transformation of cyber insurance processes and the formation of cyber risk insurance policies.

KEYWORDS

cyber insurance, information technologies, business processes, cyber insurance models, artificial intelligence, modeling, financial and insurance sector.

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