스마트 컨트랙트를 통해 보험업의 정보 비대칭성 감소, 신뢰 구축 및 혁신을 도모하는 방법

Insurance is a massive global industry essential for managing risk and facilitating economic growth, accounting for about 9% of the world's GDP. The industry faces challenges due to information asymmetry, where consumers possess more knowledge about their insured assets than insurers, leading to potential manipulation of insurance contracts. This asymmetry drives higher premiums and complex claims processes, which can erode trust between insurers and policyholders. Technological solutions like blockchain, smart contracts, and IoT devices are emerging to address these issues by automating processes, reducing fraud, and increasing transparency. Smart contracts offer automated enforcement of agreements based on verified data inputs, potentially lowering administrative costs and enabling new insurance models such as decentralized insurance pools. As these technologies mature, they promise to enhance trust and efficiency in the insurance sector, although widespread adoption will require overcoming regulatory and technical challenges.