TL;DR
A four-layer conceptual framework is developed to map the transition from traditional insurance to decentralized, insurtech-driven alternatives, grounding this shift theoretically in Transaction Cost Economics and Agency Theory and outlining an implementation roadmap for both incumbent insurers and regulators.
It is established that InsurTech facilitates the transition to a client-centric ecosystem based on artificial intelligence, big data, the Internet of Things, blockchain, and telematics and is recognised as the key condition for overcoming the identified challenges and building a sustainable digital insurance ecosystem.
An analytical framework for the joint design of central bank digital currency (CBDC) and its underlying ledger architecture is developed and a parametric vocabulary for techno-institutional comparison is contributed, not a new architecture.
This work provides a foundation for practitioners, system designers, and regulators evaluating scalable and auditable approaches to sanctions compliance in digital asset markets by offering an implementation-agnostic reference architecture grounded in operational realities.
The construction industry is undergoing a significant transformation with the adoption of decentralized models, which leverage distributed decision-making, collaborative networks, and advanced technologies such as blockchain, digital twins, and artificial intelligence (AI). These innovations promise enhanced transparen...
The study concludes that DeFi represents a major advancement in financial technology by bridging traditional finance and blockchain-based systems, however, sustainable growth requires stronger security mechanisms, transparent governance frameworks, and adaptive regulatory policies.
The future architecture of financial systems is a subject of contention, with centralized and decentralized governance proponents. Here, we ask the following question. Would the architecture affect the quality of decision making? We propose a game where financial network participants demarcate the ownership of claims t...
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