ADAPTIVE FINANCIAL STRATEGY OF AN INSURANCE COMPANY UNDER THE DIGITAL TRANSFORMATION OF THE INFORMATION ECONOMY

Анотація

Abstract. The digital transformation of the information economy is fundamentally reshaping the financial architecture of the insurance business by moving competition from a predominantly tariff- and product-based logic toward data, analytics, digital platforms, preventive services, and the speed of strategic renewal. Under these conditions, the traditional financial strategy of an insurer, focused mainly on premium growth, investment income, regulatory solvency, and cost control, no longer provides sufficient flexibility, since digital investments have delayed effects, generate non-linear productivity outcomes, and require a new combination of capital allocation, reserves, reinvestment, partnership models, and data governance. The purpose of this article is to substantiate the theoretical and methodological foundations of an adaptive financial strategy for an insurance company under the digital transformation of the information economy. The methodology is based on a systems approach, structural-logical analysis, comparison, generalization, and synthesis of recent academic studies on digital transformation, InsurTech, artificial intelligence, insurer efficiency, and financial strength of insurance groups. The study demonstrates that an adaptive financial strategy should rely on dynamic capabilities enabling rapid redistribution of resources among solvency support, digital investments, analytical infrastructure, customer platforms, preventive services, and partnership ecosystems. The scientific novelty lies in clarifying the concept of “adaptive financial strategy of an insurance company” and in developing a contour-based model that integrates capital, operational, product, data, and risk-compliance dimensions. The practical value of the proposed approach is its applicability to digital project financing policy, risk appetite thresholds, cost structure optimization, and the design of KPI systems for insurer digital resilience. Keywords: insurance company; financial strategy; digital transformation; information economy; InsurTech; artificial intelligence; financial strength.

Класифікація

Ідентифікатори

Схожі роботи