منابع
اسماعیلی، روحالله، ملکی، محمدحسن، غلامی جمکرانی، رضا، مداحی، آزاده (1402). آیندهپژوهی راهبری شرکتی با رویکرد سناریونگاری با تمرکز بر شرکتهای حوزه سلامت، مجله بیمه سلامت ایران، 6(4)، 316-327.
اصلانی، فرشید، تقیزاده سقالکساری، روحالله (1403). شناسائی و اولویت بندی چالش های نوآوری باز در صنعت بیمه، نشریه پژوهشهای کارآفرینی و نوآوری، 3(3)، 1-17.
حسینزاده، محمد، صفا، مژگان، ملکی، محمدحسن، برهانی، سیدعباس (1404). شناسایی و تحلیل پیشران های موثر بر صنعت بیمه، پژوهشنامه بیمه، 14(3)، 193-208.
دلفراز، اسماعیل، قیومی، عباسعلی، صالحی، سیدرضا (1400). ارائه الگوی توسعه فرهنگ بیمههای زندگی در ایران با رویکرد گرندد تئوری، فصلنامه مطالعات توسعه اجتماعی ایران، 14(1)، 135-150.
عربی، سیدهادی، ملکی، محمدحسن، انصاری، حامد (1402). شناسایی و تحلیل پیشرانهای اثرگذار بر آینده منابع درآمدی سازمان تأمین اجتماعی، نشریه پژوهش های برنامه و توسعه، 3(3)، 73-106.
موسی رضا، ناصر، متانی، مهرداد، فلاح، علی و مهرآرا، اسدالله (1401). بررسی تاثیر نقش رسانه های جمعی درتوسعه فرهنگ بیمه عمر (مطالعه موردی : شرکت سهامی بیمه ایران)، نشریه جامعه شناسی سیاسی ایران، 5(10)، 2833-2850.
References
Arabi, S. H., Maleki, M. H., & Ansari, H. (2023). Identification and analysis of drivers influencing the future revenue sources of the Social Security Organization. Journal of Planning and Development Research, 3(3), 73-106. [In Persian]
Arabi, S. H., Maleki, M. H., & Ansari, H. (2024). Future study of revenue sources in the Social Security Organization with the scenario planning approach. Foresight, 26(2), 315-336. [In Persian] https://doi.org/10.1108/FS-11-2022-0165ER
ʿArabī, Sīdihādī; Malikī, Muḥammad Ḥasan; Anṣārī, Ḥāmid (2023). “Identification and Analysis of Drivers Influencing the Future Revenue Sources of the Social Security Organization.” Journal of Planning and Development Research, 3(3), 73-106. [In Persian]
ʿArabī, Sīdihādī; Malikī, Muḥammad Ḥasan; Anṣārī, Ḥāmid (2024). “Future Study of Revenue Sources in the Social Security Organization with the Scenario Planning Approach.” Foresight, 26(2), 315-336. [In Persian]
Aslani, F., & Taghizadeh Saqalaksari, R. (2024). Identification and prioritization of open innovation challenges in the insurance industry. Journal of Entrepreneurship and Innovation Research, 3(3), 1-17. [In Persian]
Aṣlānī, Farashīd; Taqīzādeh Saqlāksārī, Rūḥullāh (2024). “Identification and Prioritization of Open Innovation Challenges in the Insurance Industry.” Journal of Entrepreneurship and Innovation Research, 3(3), 1-17. [In Persian]
Braun, A., & Haeusle, N. (2024). Digital insurance and InsurTech. In G. Dionne (Ed.), Handbook of Insurance: Volume I (pp. 225-249). Springer Nature Switzerland. https://doi.org/10.1007/978-3-031-69561-2_8
Braun, A., & Jia, R. (2025). InsurTech: Digital technologies in insurance. Geneva Pap Risk Insur Issues Pract, 50, 1-7. https://doi.org/10.1057/s41288-024-00344-x
Brokešová, Z., & Ondruška, T. (2025). Internal controls and insurance in Industry 5.0. In S. Grima, S. S. Kaleli, M. Baygin, & E. Boztepe (Eds.), Business Challenges and Opportunities in the Era of Industry 5.0 (pp. 195-213). Emerald Publishing Limited. https://doi.org/10.1108/978-1-83549-676-320251011
Cosma, S., & Rimo, G. (2024). Redefining insurance through technology: Achievements and perspectives in Insurtech. Research in International Business and Finance, 70, Article 102301. https://doi.org/10.1016/j.ribaf.2024.102301
Cristea, M., Noja, G. G., Drăgoi, D., & Andrițoiu, L. C. (2021). Insurance development and life quality in the European Union countries: An empirical assessment. Facta Universitatis, Series: Economics and Organization, 18(4), 313-324. https://doi.org/10.22190/FUEO210616022C
Delafraz, E., Ghavoumi, A. A., & Salehi, S. R. (2021). Developing a model for the expansion of life insurance culture in Iran using grounded theory. Iranian Journal of Social Development Studies, 14(1), 135-150. [In Persian]
Dihlārāz, Ismāʿīl; Qayūmī, ʿAbbāsqulī; Ṣāliḥī, Sīdriḍā (2021). “Developing a Model for the Expansion of Life Insurance Culture in Iran Using Grounded Theory.” Iranian Journal of Social Development Studies, 14(1), 135-150. [In Persian]
Esmaili, R., Maleki, M. H., Gholami Jamkarani, R., & Maddahi, A. (2023). Corporate governance foresight using a scenario planning approach with a focus on health sector companies. Iranian Journal of Health Insurance, 6(4), 316-327. [In Persian]
Gómez, I. S. (2024). Insurtech: Disrupting the insurance industry. In H. Kent Baker, G. Filbeck, & K. Black (Eds.), The Emerald Handbook of Fintech: Reshaping Finance (pp. 343-362). Emerald Publishing Limited. https://doi.org/10.1108/978-1-83753-608-520241043
Grima, S., Spiteri, J., & Romanova, I. (2020). The challenges for regulation and control in an environment of rapid technological innovations. In P. Marano & K. Noussia (Eds.), InsurTech: A Legal and Regulatory View (pp. 83-98). Springer Nature Switzerland AG. https://doi.org/10.1007/978-3-030-27386-6_4
Gupta, A., & Venkataraman, S. (2024). Insurance and climate change. Current Opinion in Environmental Sustainability, 67, Article 101412. https://doi.org/10.1016/j.cosust.2023.101412
Habibi, A., Jahantigh, F. F., & Sarafrazi, A. (2015). Fuzzy Delphi technique for forecasting and screening items. Asian Journal of Research in Business Economics and Management, 5(2), 130-143. https://doi.org/10.5958/2249-7307.2015.00036.5
Han, L., Li, D., Moshirian, F., & Tian, Y. (2010). Insurance development and economic growth. The Geneva Papers on Risk and Insurance - Issues and Practice, 35(2), 183-199. https://doi.org/10.1057/gpp.2010.4
Hosseinzadeh, M., Safa, M., Maleki, M. H., & Borhani, S. A. (2025). Identifying and analyzing drivers affecting the insurance industry. Iranian Journal of Insurance Research, 14(3), 193-208. https://doi.org/10.22056/ijir.2025.03.02 [In Persian]
Ḥusaynzādeh, Muḥammad; Ṣafā, Muzhgān; Malikī, Muḥammad Ḥasan; Burhānī, Sayyid ʿAbbās (2025). “Identifying and Analyzing Drivers Affecting the Insurance Industry.” Iranian Journal of Insurance Research, 14(3), 193-208. [In Persian] https://doi.org/10.22056/ijir.2025.03.02
Infantino, M. (2024). A comparative study of automated quantification in digital insurance. International Journal of Digital Law and Governance, 1(1), 1-27. https://doi.org/10.1515/ijdlg-2024-0003
Ismāʿīlī, Rūḥullāh; Malikī, Muḥammad Ḥasan; Gholāmī Jamkarānī, Riḍā; Maddāḥī, Āzādeh (2023). “Corporate Governance Foresight Using a Scenario Planning Approach with a Focus on Health Sector Companies.” Iranian Journal of Health Insurance, 6(4), 316-327. [In Persian]
Kim, E., & Kim, Y. (2024). Determinants of user acceptance of digital insurance platform service on InsurTech: An empirical study in South Korea. Asian Journal of Technology Innovation, 33(1), 45-75. https://doi.org/10.1080/19761597.2024.2337629
Kita, S. M. (2025). Disaster insurance for climate loss and damage: Assessing challenges and opportunities to adoption in Malawi. Risk, Hazards & Crisis in Public Policy, e70002. https://doi.org/10.1002/rhc3.70002
Kookhdan, A. R., Ashtiani, P. G., Maleki, M. H., & Zanjirdar, M. (2024). Identifying and analyzing the barriers to the development of Iranian FinTechs in the financial industry. Management Strategies and Engineering Sciences, 6(2), 40-49. https://doi.org/10.61838/msesj.6.2.5 [In Persian]
Kopani, A., & Kopani, X. (2025). Forecasting gross written premiums in Albania’s life insurance industry: Insights for financial sustainability. European Journal of Sustainable Development, 14(1), 322-322. https://doi.org/10.14207/ejsd.2025.v14n1p322
Kūkhdān, A. R.; Āshtīyānī, P. G.; Malikī, M. H.; Zanjīrdār, M. (2024). “Identifying and Analyzing the Barriers to the Development of Iranian FinTechs in the Financial Industry.” Management Strategies and Engineering Sciences, 6(2), 40-49. [In Persian] https://doi.org/10.61838/msesj.6.2.5
Lee, C. C., Chang, C. H., Arouri, M., & Lee, C. C. (2016). Economic growth and insurance development: The role of institutional environments. Economic Modelling, 59, 361-369. https://doi.org/10.1016/j.econmod.2016.08.010
Liu, W. (2025). Opportunities and challenges for UnitedHealth Group in the global health insurance industry: A SWOT analysis. Advances in Economics, Management and Political Sciences, 151, 72-88. https://doi.org/10.54254/2754-1169/2024.19410
Mousa Reza, N., Motani, M., Fallah, A., & Mehara, A. (2022). Investigating the impact of mass media on the development of life insurance culture (Case study: Iran Insurance Company). Iranian Political Sociology Quarterly, 5(10), 2833-2850. [In Persian]
Mūsawī Riḍā, Nāṣir; Mutanī, Mihrdād; Falāḥ, ʿAlī; Mihrārā, Asadullāh (2022). “Investigating the Impact of Mass Media on the Development of Life Insurance Culture (Case Study: Iran Insurance Company).” Iranian Political Sociology Quarterly, 5(10), 2833-2850. [In Persian]
Nguyen, Q. K. (2024). The development of the life insurance market and bank stability in developing countries. Heliyon, 10(19), e38225. https://doi.org/10.1016/j.heliyon.2024.e38225
Nicholson, J. E. (2019). Challenges for the insurance industry in the future. Journal of Insurance Regulation, 38(6). https://doi.org/10.52227/24790.2019
Nicoletti, B. (2021). Industry 4.0 and Insurance 4.0 (pp. 11-40). In Insurance 4.0: Benefits and Challenges of Digital Transformation. Springer Nature Switzerland AG. https://doi.org/10.1007/978-3-030-58426-9
Ning, M., Ma, L., Meng, J., & Zhang, D. (2020). Effects of social insurance on health status and quality of life of the middle-aged and elderly. Revista de Cercetare si Interventie Sociala, 70, 9-19. https://doi.org/10.33788/rcis.70.1
Outreville, J. F. (2013). The relationship between insurance and economic development: 85 empirical papers for a review of the literature. Risk Management and Insurance Review, 16(1), 71-122. https://doi.org/10.1111/j.1540-6296.2012.01219.x
Peña-Acuña, B., Fernández-Aller, C., D’Antonio Maceiras, S., Cabral dos Santos Veiga, P. M., Schellekens, J., Završnik, A., ... Ramos, A. (Eds.). (2025). Artificial Intelligence and Digital Rights, Opportunities and Challenges. ACCI Ediciones.
Poorhadi Poshtiri, Z., Gholipour Soleimani, A., Delafrooz, N., & Shahroudi, K. (2024). Designing the insurance coverage model for FinTech startups: A novel approach to the necessity of digital transformation track of in insurance. Iranian Journal of Management Studies (IJMS), 17(1), 71-94. DOI:10.22059/ijms.2023.345002.675187
Putra, G. W., Anantadjaya, S. P., Juwita, I., Kusuma-wati, D. A., & Nawangwulan, I. M. (2024). Analysis of the relationship between risk management, economic situation, customer behavior and insurance business growth. Innovative: Journal of Social Science Research, 4(3), 3193-3201. https://doi.org/10.31004/innovative.v4i3.10811
Raka, A., Kosova, R., Hajrulla, S., & Kosova, A. M. (2025). The use of big data in insurance industry: A review of models, techniques and factors.
Reddy, M. S., & Kumar, K. (2024). Exploring the transformative impact of Fintech on banking, finance and insurance industries. International Journal of Scientific Research in Engineering and Management, 8(04), 1-5. https://doi.org/10.55041/ijsrem31044
Shahroodi, K., Darestani, S. A., Soltani, S., & Saravani, A. E. (2024). Developing strategies to retain organizational insurers using a clustering technique: Evidence from the insurance industry. Technological Forecasting and Social Change, 201, 123217. https://doi.org/10.1016/j.techfore.2024.123217 [In Persian]
Singh, N., Panigrahi, R., Panigrahi, R. R., & Shaikh, Z. H. (2024). Fostering insurance industry agility in India: An integrated multi-method approach. International Journal of Applied Management Science, 16(2), 215-238. https://doi.org/10.1504/IJAMS.2024.138648
Singhal, N., Goyal, S., & Singhal, T. (2024). Emerging trends in regulatory and legal frameworks for decentralized insurance. In N. Singhal, S. Goyal, & T. Singhal (Eds.), Potential, Risks, and Ethical Implications of Decentralized Insurance (pp. 211-260). Springer Nature Singapore. https://doi.org/10.1007/978-981-97-5894-4_5
Skaf, Y., Eid, C., Thrassou, A., El Nemar, S., & Rebeiz, K. S. (2024). Technology and service quality: Achieving insurance industry customer satisfaction and loyalty under crisis conditions. EuroMed Journal of Business. https://doi.org/10.1108/EMJB-01-2024-0027
Sood, K., & Ozen, E. (2024). A systematic review of ESG in the insurance industry: Navigating the path to sustainability. International Journal of Sustainable Development & Planning, 19(3), 807-821. https://doi.org/10.18280/ijsdp.190301
Srivastava, R., Prashar, A., Iyer, S. V., & Gotise, P. (2024). Insurance in the Industry 4.0 environment: A literature review, synthesis, and research agenda. Australian Journal of Management, 49(2), 290-312. https://doi.org/10.1177/03128962221132458
Sunita Mall, Tushar Ranjan Panigrahi, & Sushma Verma. (2023). Bibliometric analysis on big data applications in insurance sector: Past, present, and future research directions. Journal of Financial Management, Markets and Institutions (JFMMI), 11(01), 1-43. https://doi.org/10.1142/S2282717X23300015
Tarra, V. K. (2025). AI in fraud detection: Leveraging machine learning to combat insurance fraud. International Journal of Emerging Trends in Computer Science and Information Technology, 75-83. https://doi.org/10.56472/ICCSAIML25-109
Trivedi, S., & Malik, R. (2022). Role and significance of data protection in risk management practices in the insurance market. In K. Sood, B. Balusamy, S. Grima, & P. Marano (Eds.), Big Data Analytics in the Insurance Market (pp. 263-273). Emerald Publishing Limited. https://doi.org/10.1108/978-1-80262-637-7-202210006
Tsohou, A., Diamantopoulou, V., Gritzalis, S., & Lambrinoudakis, C. (2023). Cyber insurance: State of the art, trends and future directions. International Journal of Information Security, 22(3), 737-748. https://doi.org/10.1007/s10207-023-00660-8
Zhang, Z., Xu, H., Shan, S., Lu, Y., Duan, H., & Lyu, Y. (2023). Exploration of the impact of demographic changes on life insurance consumption: Empirical analysis based on Shanghai Cooperation Organization. Economic Research-Ekonomska Istraživanja, 36(2), Article 2134905. https://doi.org/10.1080/1331677X.2022.2134905
)