IBS Sigorta ve Reas\u00fcrans Brokerli\u011fi \u00dcst Y\u00f6neticisi (CEO) Murat \u00c7ift\u00e7i, 2026’n\u0131n, \u015firketlerin dijitalle\u015fmeye uyum sa\u011flamas\u0131n\u0131n yan\u0131 s\u0131ra ayn\u0131 zamanda veri odakl\u0131 i\u015f modelleriyle rekabet avantaj\u0131 yaratt\u0131\u011f\u0131 bir y\u0131l olaca\u011f\u0131n\u0131 belirtti.<\/p>\n
\u015eirketten yap\u0131lan a\u00e7\u0131klamada g\u00f6r\u00fc\u015flerine yer verilen \u00c7ift\u00e7i, yapay zekadan s\u00fcrd\u00fcr\u00fclebilirlik kriterlerine, siber risklerden g\u00f6m\u00fcl\u00fc sigortaya uzanan d\u00f6n\u00fc\u015f\u00fcm dalgas\u0131 i\u00e7inde yer alan sigorta sekt\u00f6r\u00fcn\u00fcn 2026 g\u00fcndemini de\u011ferlendirdi.<\/p>\n
Bu y\u0131l sigorta sekt\u00f6r\u00fcn\u00fcn k\u00fcresel ve yerel dinamikler a\u00e7\u0131s\u0131ndan yeniden \u015fekillendi\u011fi bir d\u00f6nem olaca\u011f\u0131na de\u011finen \u00c7ift\u00e7i, 2025’te T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn toplam prim \u00fcretiminin 1,22 trilyon liraya ula\u015ft\u0131\u011f\u0131n\u0131 ve y\u0131ll\u0131k bazda nominal b\u00fcy\u00fcmenin y\u00fczde 45’in \u00fczerine \u00e7\u0131karak son y\u0131llar\u0131n y\u00fcksek oranlar\u0131ndan birinin kaydedildi\u011fini aktard\u0131.<\/p>\n
Bu g\u00f6r\u00fcn\u00fcm\u00fcn, sekt\u00f6r\u00fcn hacimsel anlamda g\u00fc\u00e7l\u00fc performans sergiledi\u011fini ortaya koydu\u011funu vurgulayan \u00c7ift\u00e7i, sekt\u00f6r\u00fcn teknolojik d\u00f6n\u00fc\u015f\u00fcm\u00fcn h\u0131z kazand\u0131\u011f\u0131, m\u00fc\u015fteri beklentilerinin yeniden \u015fekillendi\u011fi ve risk yap\u0131lar\u0131n\u0131n karma\u015f\u0131k hale geldi\u011fi bir s\u00fcre\u00e7ten ge\u00e7ti\u011fini anlatt\u0131.<\/p>\n
“\u00c7eviklik, do\u011fru i\u015fbirlikleri ve g\u00fc\u00e7l\u00fc risk y\u00f6netimi yakla\u015f\u0131m\u0131 temel belirleyiciler aras\u0131nda olacak”<\/p>\n
\u00c7ift\u00e7i, 2026’da sekt\u00f6r\u00fc \u015fekillendirecek 10 stratejik ba\u015fl\u0131\u011fa ili\u015fkin \u015fu bilgileri verdi: <\/p>\n
“Yapay zeka operasyonel s\u00fcre\u00e7lerden \u00fcr\u00fcn tasar\u0131m\u0131na kadar t\u00fcm de\u011fer zincirine n\u00fcfuz edecek. \u0130kinci olarak, mikro sigortac\u0131l\u0131k ve anl\u0131k poli\u00e7elerde h\u0131zl\u0131 b\u00fcy\u00fcme, \u00fc\u00e7\u00fcnc\u00fc ba\u015fl\u0131k da siber risklerde patlama ve kurumsal talepte art\u0131\u015f olacak. 2026’da siber sigorta, yang\u0131n ve nakliyeden sonra h\u0131zl\u0131 b\u00fcy\u00fcyen bran\u015flardan biri olmaya aday. Sa\u011fl\u0131k sigortas\u0131nda hibrit modeller ve tele-sa\u011fl\u0131k entegrasyonu, s\u00fcrd\u00fcr\u00fclebilirlik ve iklim risklerinin fiyatlamaya etkisi de g\u00fcndemde yer alacak. Ba\u011flant\u0131l\u0131 ara\u00e7lar ve otonom sistemlerde yeni sigorta modelleri, g\u00f6m\u00fcl\u00fc sigorta hizmetlerinin yayg\u0131nla\u015fmas\u0131, reg\u00fclasyonlarda dijital uyum ve veri koruma \u00f6nceli\u011fi, sigorta-fintek-bankac\u0131l\u0131k \u00fc\u00e7geninde yeni i\u015fbirlikleri ve veri odakl\u0131 risk y\u00f6netimi ile akt\u00fceryal modellerin evrimi, sekt\u00f6re y\u00f6n verecek.”<\/p>\n
Bu d\u00f6nemin, \u015firketlerin sadece dijitalle\u015fmeye uyum sa\u011flad\u0131\u011f\u0131 de\u011fil, ayn\u0131 zamanda veri odakl\u0131 i\u015f modelleriyle rekabet avantaj\u0131 yaratt\u0131\u011f\u0131 bir y\u0131l olaca\u011f\u0131n\u0131 belirten \u00c7ift\u00e7i, \u015funlar\u0131 kaydetti: <\/p>\n
“Bu s\u00fcre\u00e7te \u00e7eviklik, do\u011fru i\u015fbirlikleri ve g\u00fc\u00e7l\u00fc risk y\u00f6netimi yakla\u015f\u0131m\u0131, sekt\u00f6r\u00fcn s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmesinin temel belirleyicileri aras\u0131nda yer alacak. Hasar dosyalar\u0131n\u0131n otomasyonu, risk skorlama modellerinin g\u00fc\u00e7lenmesi ve ki\u015fiselle\u015ftirilmi\u015f poli\u00e7eler sekt\u00f6r\u00fcn rekabet alan\u0131n\u0131 yeniden tan\u0131ml\u0131yor. Ara\u00e7lardan ger\u00e7ek zamanl\u0131 veri ak\u0131\u015f\u0131, s\u00fcr\u00fc\u015f davran\u0131\u015f\u0131na g\u00f6re fiyatlamay\u0131 standart hale getiriyor. Sigortan\u0131n \u00fcr\u00fcn ve hizmetlere g\u00f6m\u00fcl\u00fc \u015fekilde sunulmas\u0131, \u00f6zellikle e-ticaret, mobil uygulamalar ve finansal platformlarda b\u00fcy\u00fcyor. Bu model, m\u00fc\u015fteri kazan\u0131m maliyetlerini d\u00fc\u015f\u00fcr\u00fcrken penetrasyonu art\u0131r\u0131yor.”<\/p>\n","protected":false},"excerpt":{"rendered":"
Murat \u00c7ift\u00e7i, 2026’n\u0131n sigorta sekt\u00f6r\u00fc i\u00e7in dijitalle\u015fme ve veri odakl\u0131 modellerle rekabet y\u0131l\u0131 olaca\u011f\u0131n\u0131 belirtti.<\/p>\n","protected":false},"author":1,"featured_media":6339,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[1495,695,1494,1493,292],"class_list":["post-6338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-modeller","tag-risk","tag-sektorun","tag-sigorta","tag-veri"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/6338","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/comments?post=6338"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/6338\/revisions"}],"predecessor-version":[{"id":6340,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/6338\/revisions\/6340"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/6339"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=6338"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=6338"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=6338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}