| blockchain technology in insurance: Cross-Industry Use of Blockchain Technology and Opportunities for the Future Williams, Idongesit, 2020-05-22 Blockchain is a technology that transcends cryptocurrencies. There are other services in different sectors of the economy that can benefit from the trust and security that blockchains offer. For example, financial institutions are using blockchains for international money transfer, and in logistics, it has been used for supply chain management and tracking of goods. As more global companies and governments are experimenting and deploying blockchain solutions, it is necessary to compile knowledge on the best practices, strategies, and failures in order to create a better awareness of how blockchain could either support or add value to other services. Cross-Industry Use of Blockchain Technology and Opportunities for the Future provides emerging research highlighting the possibilities inherent in blockchain for different sectors of the economy and the added value blockchain can provide for the future of these different sectors. Featuring coverage on a broad range of topics such as data privacy, information sharing, and digital identity, this book is ideally designed for IT specialists, consultants, design engineers, cryptographers, service designers, researchers, academics, government officials, and industry professionals. |
| blockchain technology in insurance: Blockchain in Digital Healthcare Malaya Dutta Borah, Roberto Moro Visconti, Ganesh Chandra Deka, 2021-12-29 Blockchain is a series of transactions recorded in blocks and secured cryptographically. It is immutable, decentralized, and transparent and has proved to be beneficial across all domains to protect and store data. Maintaining privacy, integrity, and security, blockchain is particularly valuable to the healthcare industry. of healthcare data. Blockchain in Digital Healthcare provides a panoramic review of prospects of blockchain technology in the healthcare domain. Users can record transactions in blocks in an immutable distributed ledger that cannot be changed once recorded and/or published. Blockchain is also decentralized, which eliminates dependency on a trusted third party to facilitate transactions, enabling clients and other users of the blockchain to take ownership of the data they push on the network. Blockchain also makes transactions more secure as clients have their own copies. Features: Provides systematic and comprehensive understanding of the block chain technology and the potential in healthcare Describes how security and privacy concerns of healthcare data can be addressed using Blockchain Technology Discusses the concept of smart contracts for performing advanced level scripting to create a blockchain network to provide a platform for the development of decentralized applications Includes a chapter on role of blockchain based insurance application using Ethereum/Hyperledger Presents cases of blockchain use for various aspects of drug manufacturing and the pharma supply chain This book serves as a reference book for IT professionals, scientific investigators and researchers who need to analyze the prospects of blockchain technology in healthcare. |
| blockchain technology in insurance: The INSURTECH Book Sabine L.B VanderLinden, Shân M. Millie, Nicole Anderson, Susanne Chishti, 2018-07-02 The definitive compendium for the Insurance Digital Revolution From slow beginnings in 2014, InsurTech has captured US$7billion in investment since 2010 — a 10% annual compound growth rate is predicted until at least 2020. Three in four insurance companies believe some part of their business is at risk of disruption and understanding the trends, drivers and emerging technologies behind Insurance’s Digital Revolution is a business-critical priority for all growth-minded firms. The InsurTech Book offers essential updates, critical thinking and actionable insight — globally — from start-ups, incumbents, investors, tech companies, advisors and other partners in this evolving ecosystem, in one volume. For some, Insurance is either facing an existential threat; for others, it is a sector on the brink of transforming itself. Either way, business models, value chains, customer understanding and engagement, organisational structures and even what Insurance is for, is never going to be the same. Be informed, be part of it. Learn from diverse experiences, mindsets and applications of technologies Discover new ways of defining and grasping growth opportunities Get the inside track from innovators, disruptors and incumbents Be updated on the evolution of InsurTech, why it is happening and how it will evolve Explore visions of the future of Insurance to help shape yours The InsurTech Book is your indispensable guide to a sector in transformation. |
| blockchain technology in insurance: Blockchain, Artificial Intelligence and Financial Services Sean Stein Smith, 2019-11-15 Blockchain technology and artificial intelligence (AI) have the potential to transform how the accounting and financial services industries engage with the business, stakeholder and consumer communities. Presenting a blend of technical analysis with current and future applications, this book provides professionals with an action plan to embrace and move forward with these new technologies in financial and accounting organizations. It is written in a conversational style that is unbiased and objective, replacing jargon and technical details with real world case examples. |
| blockchain technology in insurance: Blockchain Technology and Applications for Digital Marketing Bansal, Rohit, Malyadri, Pacha, Singh, Amandeep, Pervez, Asif, 2021-06-25 Blockchain is a digital, decentralized technology that is continually growing and making quite a mark in digital marketing. Blockchain has brought a drastic change to technology in the last few years, and it is referred to as distributed ledger technology (DLT), which makes the historical backdrop of any computerized resource unalterable and straightforward using decentralization and cryptographic hashing. Blockchain is transforming digital marketing by removing companies’ abilities to pull data from customers without also offering to reimburse them for its value. Marketers can leverage the technology’s positive attributes that customers are searching for in today’s digital landscape, both in transparency and data protection. In terms of digital marketing, blockchain is one of the most important topics for its applications in the marketing field. Blockchain Technology and Applications for Digital Marketing provides insights on blockchain technology and its applications in digital marketing. This book grants a comprehensive understanding of how this technology is functioning within modern marketing and how it can influence the future of the digital marketing industry. The chapters cover the applications of blockchain, benefits and challenges, disruptive innovations in digital marketing, privacy and security concerns, and the recent trends of blockchain in digital marketing. It is ideally intended for marketers, advertisers, brand managers, executives, managers, IT specialists and consultants, researchers, businesses, practitioners, stakeholders, academicians, and students interested in blockchain technology and its role in digital marketing. |
| blockchain technology in insurance: Disrupting Finance Theo Lynn, John G. Mooney, Pierangelo Rosati, Mark Cummins, 2018-12-06 This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry. |
| blockchain technology in insurance: Blockchain for Healthcare Systems Sheikh Mohammad Idrees, Parul Agarwal, M. Afshar Alam, 2021-09-21 Blockchain for Healthcare Systems: Challenges, Privacy, and Securing of Data provides a detailed insight on how to reap the benefits of blockchain technology in healthcare, as the healthcare sector faces several challenges associated with privacy and security issues. It also provides in-depth knowledge regarding blockchain in healthcare and the underlying components. This book explores securing healthcare data using blockchain technology. It discusses challenges and solutions for blockchain technology in the healthcare sector and presents the digital transformation of the healthcare sector using different technologies. It covers the handling of healthcare data/medical records and managing the medical supply chain all using blockchain technology. The contents of this book are highly beneficial to educators, researchers, and others working in a similar domain. |
| blockchain technology in insurance: Handbook of Research on Blockchain Technology Saravanan Krishnan, Valentina Emilia Balas, E. Golden Julie, Harold Robinson Yesudhas, S. Balaji, Raghvendra Kumar, 2020-02-04 Handbook of Research on Blockchain Technology presents the latest information on the adaptation and implementation of Blockchain technologies in real world business, scientific, healthcare and biomedical applications. The book's editors present the rapid advancements in existing business models by applying Blockchain techniques. Novel architectural solutions in the deployment of Blockchain comprise the core aspects of this book. Several use cases with IoT, biomedical engineering, and smart cities are also incorporated. As Blockchain is a relatively new technology that exploits decentralized networks and is used in many sectors for reliable, cost-effective and rapid business transactions, this book is a welcomed addition on existing knowledge. Financial services, retail, insurance, logistics, supply chain, public sectors and biomedical industries are now investing in Blockchain research and technologies for their business growth. Blockchain prevents double spending in financial transactions without the need of a trusted authority or central server. It is a decentralized ledger platform that facilitates verifiable transactions between parties in a secure and smart way. - Presents the evolution of blockchain, from fundamental theories, to present forms - Explains the concepts of blockchain related to cloud/edge computing, smart healthcare, smart cities and Internet of Things (IoT) - Provides complete coverage of the various tools, platforms and techniques used in blockchain - Explores smart contract tools and consensus algorithms - Covers a variety of applications with real world case studies in areas such as biomedical engineering, supply chain management, and tracking of goods and delivery |
| blockchain technology in insurance: Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1 David Lee Kuo Chuen, Robert H. Deng, 2017-08-03 Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1: Cryptocurrency, FinTech, InsurTech, and Regulation explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets. Contributors go beyond summaries of standard models to describe new banking business models that will be sustainable and will likely dictate the future of finance. The volume not only emphasizes the financial opportunities made possible by digital banking, such as financial inclusion and impact investing, but it also looks at engineering theories and developments that encourage innovation. Its ability to illuminate present potential and future possibilities make it a unique contribution to the literature. - Explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets - Explains the practical consequences of both technologies and economics to readers who want to learn about subjects related to their specialties - Encompasses alternative finance, financial inclusion, impact investing, decentralized consensus ledger and applied cryptography - Provides the only advanced methodical summary of these subjects available today |
| blockchain technology in insurance: Blockchain Technology: Applications and Challenges Sandeep Kumar Panda, Ajay Kumar Jena, Santosh Kumar Swain, Suresh Chandra Satapathy, 2021-04-30 This book discusses the various open issues of blockchain technology, such as the efficiency of blockchain in different domains of digital cryptocurrency, smart contracts, smart education system, smart cities, cloud identity and access, safeguard to cybersecurity and health care. For the first time in human history, people across the world can trust each other and transact over a large peer-to-peer networks without any central authority. This proves that, trust can be built not only by centralized institution but also by protocols and cryptographic mechanisms. The potential and collaboration between organizations and individuals within peer networks make it possible to potentially move to a global collaborative network without centralization. Blockchain is a complex social, economic and technological phenomenon. This questions what the established terminologies of the modern world like currency, trust, economics and exchange would mean. To make any sense, one needs to realize how much insightful and potential it is in the context and the way it is technically developed. Due to rapid changes in accessing the documents through online transactions and transferring the currency online, many previously used methods are proving insufficient and not secure to solve the problem which arises in the safe and hassle-free transaction. Nowadays, the world changes rapidly, and a transition flow is also seen in Business Process Management (BPM). The traditional Business Process Management holds good establishment last one to two decades, but, the internal workflow confined in a single organization. They do not manage the workflow process and information across organizations. If they do so, again fall in the same trap as the control transfers to the third party that is centralized server and it leads to tampering the data, and single point of failure. To address these issues, this book highlights a number of unique problems and effective solutions that reflects the state-of-the art in blockchain Technology. This book explores new experiments and yields promising solutions to the current challenges of blockchain technology. This book is intended for the researchers, academicians, faculties, scientists, blockchain specialists, business management and software industry professionals who will find it beneficial for their research work and set new ideas in the field of blockchain. This book caters research work in many fields of blockchain engineering, and it provides an in-depth knowledge of the fields covered. |
| blockchain technology in insurance: Economic Transformations Richard G. Lipsey, Kenneth I. Carlaw, Clifford T. Bekar, 2005-11-03 This book examines the long term economic growth that has raised the West's material living standards to levels undreamed of by counterparts in any previous time or place. The authors argue that this growth has been driven by technological revolutions that have periodically transformed the West's economic, social and political landscape over the last 10,000 years and allowed the West to become, until recently, the world's only dominant technological force. Unique in the diversity of the analytical techniques used, the book begins with a discussion of the causes and consequences of economic growth and technological change. The authors argue that long term economic growth is largely driven by pervasive technologies now known as General Purpose (GPTs). They establish an alternative to the standard growth models that use an aggregate production function and then introduce the concept of GPTs, complete with a study of how these technologies have transformed the West since the Neolithic Agricultural Revolution. Early modern science is given more importance than in most other treatments and the 19th century demographic revolution is studied with a combination of formal models of population dynamics and historical analysis. The authors argue that once sustained growth was established in the West, formal models can shed much light on its subsequent behaviour. They build non-conventional, dynamic, non-stationary equilibrium models of GPT-driven growth that incorporate a range of phenomena that their historical studies show to be important but which are excluded from other GPT models in the interests of analytical tractability. The book concludes with a study of the policy implications that follow from their unique approach. |
| blockchain technology in insurance: International Conference on Intelligent Data Communication Technologies and Internet of Things (ICICI) 2018 Jude Hemanth, Xavier Fernando, Pavel Lafata, Zubair Baig, 2018-12-20 This book discusses data communication and computer networking, communication technologies and the applications of IoT (Internet of Things), big data, cloud computing and healthcare informatics. It explores, examines and critiques intelligent data communications and presents inventive methodologies in communication technologies and IoT. Aimed at researchers and academicians who need to understand the importance of data communication and advanced technologies in IoT, it offers different perspectives to help readers increase their knowledge and motivates them to conduct research in the area, highlighting various innovative ideas for future research. |
| blockchain technology in insurance: InsurTech , 2020 This Volume of the AIDA Europe Research Series on Insurance Law and Regulation explores the key trends in InsurTech and the potential legal and regulatory issues that accompany them. There is a proliferation of ideas and concepts within InsurTech that will fundamentally change the market in the next few years. These innovations have the potential to change the way the insurance industry works and alter the relationships between customers and insurers, resulting in insurance products that are more closely aligned to individual preferences and priced more appropriately to the risk. Increasing use of technology in the insurance sector is having both a disruptive and transformative impact on areas including product development, distribution, modelling, underwriting and claims and administration practice. The result is a new industry, known as InsurTech. But while the insurance market looks to technology for greater efficiency, regulators are beginning to raise concerns about managing potential risks. The first part of the book examines technological innovations relevant for insurance, such as FinTech, InsurTech, Sharing Economy, and the Internet of Things. The second part then gathers contributions on insurance contract law in a digitalized world, while the third part focuses on cyber insurance and robots. Last but not least, the fourth part of the book discusses legal and ethical questions regarding autonomous vehicles and transportation, including the shipping industry, as well as their impact on the insurance sector and civil liability. Written by legal scholars and practitioners, the book offers international, comparative and European perspectives. The Chapters FinTech, InsurTech and the Regulators by Viktoria Chatzara, Smart Contracts in Insurance. A Law and Futurology Perspective by Angelo Borselli and Room for Compulsory Product Liability Insurance in the European Union for Smart Robots? by Aysegul Bugra are available open access under a CC BY 4.0 license at link.springer.com.-- |
| blockchain technology in insurance: Signals for Strategists David Schatsky, 2015 This book is for strategists0́4leaders, managers, entrepreneurs0́4who are so caught up in the daily pressures of business that they're missing key signals of their future reality. It's like driving a car heads down, staring at the dashboard, rather than heads up, looking through the windshield. We need to do both. The book is devoted to the practice of sensing, or scanning the horizon for signs of emerging trends. The sooner we see them, the better our response.Each chapter starts with a set of signals0́4data we observed that, taken together, helped us to reveal a trend. The impact of new technology on strategy is a theme of the book, and each chapter looks at how organizations are using new technologies to their advantage.The goal is to spark meaningful conversations within organizations: How could we participate in the collaborative economy? What could our CIO and our CMO be doing to drive strategy, innovation, and revenue growth? What could we do to leverage the Internet of Things and intelligent automation as catalysts of invention? Could we use MOOCs as pivots for corporate training, recruiting, and marketing? How might technology transform the manufacturing process, our supply chain, and the knowledge work that we do? Could we take advantage of the renaissance in domestic energy (oil and gas)? What could we be doing to counter cyber crime? What is our organization doing to tune into signals of emerging trends that may be relevant to us?In an environment where the pace of change is accelerating, sensing has become an essential discipline for all organizations. No matter your role in an organization, sensing emerging trends can make you more effective and more valuable in your work. If you've been working too heads-down lately and feel overwhelmed by data and deadlines, then this book is for you. It's a quick read designed to give you a heads up on your horizon. |
| blockchain technology in insurance: Insurance 4.0 Bernardo Nicoletti, 2020-10-31 Industry 4.0 has spread globally since its inception in 2011, now encompassing many sectors, including its diffusion in the field of financial services. By combining information technology and automation, it is now canvassing the insurance sector, which is in dire need of digital transformation. This book presents a business model of Insurance 4.0 by detailing its implementation in processes, platforms, persons, and partnerships of the insurance companies alongside looking at future developments. Filled with business cases in insurance companies and financial services, this book will be of interest to those academics and researchers of insurance, financial technology, and digital transformation, alongside executives and managers of insurance companies. |
| blockchain technology in insurance: 2020 5th International Conference on Communication and Electronics Systems (ICCES) IEEE Staff, 2020-06-10 5th International Conference on Communication and Electronics Systems (ICCES 2020) is being organized on 10 12, June 2020 ICCES will provide an outstanding international forum for sharing knowledge and results in all fields of Engineering and Technology ICCES provides quality key experts who provide an opportunity in bringing up innovative ideas Recent updates in the in the field of technology will be a platform for the upcoming researchers The conference will be Complete, Concise, Clear and Cohesive in terms of research related to Communication and Electronics systems |
| blockchain technology in insurance: Tech Trends in Practice Bernard Marr, 2020-04-09 ***BUSINESS BOOK AWARDS - FINALIST 2021*** Discover how 25 powerful technology trends are transforming 21st century businesses How will the latest technologies transform your business? Future Tech Trends in Practice will give you the knowledge of today’s most important technology trends, and how to take full advantage of them to grow your business. The book presents25 real-world technology trends along with their potential contributions to organisational success. You’ll learn how to integrate existing advancements and plan for those that are on the way. In this book, best-selling author, strategic business advisor, and respected futurist Bernard Marr explains the role of technology in providing innovative businesses solutions for companies of varying sizes and across different industries. He covers wide-ranging trends and provides an overview of how companies are using these new and emerging technologies in practice. You, too, can prepare your company for the potential and power of trending technology by examining these and other areas of innovation described in Future Tech Trends in Practice: Artificial intelligence, including machine and deep learning The Internet of Things and the rise of smart devices Self-driving cars and autonomous drones 3D printing and additive manufacturing Blockchain technology Genomics and gene editing Augmented, virtual and mixed reality When you understand the technology trends that are driving success, now and into the future, you’ll be better positioned to address and solve problems within your organisation. |
| blockchain technology in insurance: Applications of Blockchain Technology in Business Mohsen Attaran, Angappa Gunasekaran, 2019-09-25 The book discusses the various ways that blockchain technology is changing the future of money, transactions, government, and business. The first two chapters walk through the foundation of blockchain. Chapters 3–12 look at applications of blockchain in different industries and highlight its exciting new business applications. It show why so many companies are implementing blockchain, and present examples of companies who have successfully employed the technology to improve efficiencies and reduce costs. Chapter 13 highlights blockchain’s powerful potential to foster emerging markets and economies including smart cities, value-based healthcare, decentralized sharing economy, machine to machine transactions, data-sharing marketplace, etc. Chapter 14 offers a conceptual model, provides information and insights, and covers a step-by-step approach to plan and develop blockchain-based technology. |
| blockchain technology in insurance: Blockchain Technology and Computational Excellence for Society 5.0 Khan, Shahnawaz, Syed, Mohammad Haider, Hammad, Rawad, Bushager, Aisha Fouad, 2022-01-14 Blockchain is the most disruptive technology to emerge in the last decade. The evolution of cryptocurrencies has carried with it a revolution in digital economics that has catapulted the application of blockchain technology to a new level across a variety of industries, including banking, security, networking, and more. Blockchain Technology and Computational Excellence for Society 5.0 closes the gap in existing literature by presenting a selection of chapters that not only shape the research domain, but also present supportive real-life problems and pragmatic solutions. This book presents a variety of highly relevant themes, concepts, and applications in blockchain, discussing topics such as cyber security, digital currencies, and intelligent networks, fueling awareness and interest. With its insight into various platforms, techniques, and tools, this book serves as a valuable resource for academicians, researchers, research scholars, postgraduates, professors, computer scientists, and technology enthusiasts. |
| blockchain technology in insurance: Applications, Challenges, and Opportunities of Blockchain Technology in Banking and Insurance Gupta, S. L., Kansra, Pooja, Kukreja, Gagan, 2022-06-03 The surge in technological transformation affects all business model phases over many industries. Emerging technologies provide new avenues for industries to increase their competitive advantage and enhance economic progression. Blockchain technology’s ability to build an open and trustworthy network model seems to promote shared IT-based networks in banking, insurance, and other similar industries. The adoption of blockchain in the banking and insurance industry is developing rapidly. Applications, Challenges, and Opportunities of Blockchain Technology in Banking and Insurance explores how blockchain technologies optimize and integrate the transactions and operations in association with access to information and reduction in communication costs and negligible data transfer errors. It includes studies on various banking and insurance industries intending to use blockchain technology to make transactions convenient, simple, and safe. Covering topics such as cryptocurrency, digital transformation, and small and medium-sized enterprises, this premier reference source is an essential resource for policymakers, government officials, students and educators of higher education, libraries, banking managers, insurance professionals, researchers, and academicians. |
| blockchain technology in insurance: Enabling the Internet of Value Nikhil Vadgama, Jiahua Xu, Paolo Tasca, 2022 This book shows how blockchain technology can transform the Internet, connecting global businesses in disruptive ways. It offers a comprehensive and multi-faceted examination of the potential of distributed ledger technology (DLT) from a new perspective: as an enabler of the Internet of Value (IoV). The authors discuss applications of blockchain technology to the financial services domain, e.g. in real estate, insurance and the emerging Decentralised Finance (DeFi) movement. They also cover applications to the media and e-commerce domains. DLT's impacts on the circular economy, marketplace, Internet of Things (IoT) and oracle business models are also investigated. In closing, the book provides outlooks on the evolution of DLT, as well as the systemic governance and privacy risks of the IoV. The book is intended for a broad readership, including students, researchers and industry practitioners. |
| blockchain technology in insurance: The Application of Emerging Technology and Blockchain in the Insurance Industry Kiran Sood, Simon Grima, Ganga Sharma, Balamurugan Balusamy, 2024-02-20 This book is a unique guide to the disruptions, innovations, and opportunities that technology provides the insurance sector and acts as an academic/industry-specific guide for creating operational effectiveness, managing risk, improving financials, and retaining customers. It also contains the current philosophy and actionable strategies from a wide range of contributors who are experts on the topic. It logically explains why traditional ways of doing business will soon become irrelevant and therefore provides an alternative choice by embracing technology. Practitioners and students alike will find value in the support for understanding practical implications of how technology has brought innovation and modern methods to measure, control, and evaluation price risk in the insurance business. It will help insurers reduce operational costs, strengthen customer interactions, target potential customers to provide usage-based insurance, and optimize the overall business. Retailers and industry giants have made significant strides in adopting digital platforms to deliver a satisfying customer experience. Insurance companies must adjust their business models and strategies to remain competitive and take advantage of technology. Insurance companies are increasingly investing in IT and related technologies to improve customer experience and reduce operational costs. Innovation through new technologies is a key driver of change in the financial sector which is often accompanied by uncertainty and doubt. This book will play a pivotal role in risk management through fraud detection, regulatory compliances, and claim settlement leading to overall satisfaction of customers. |
| blockchain technology in insurance: The PAYTECH Book Susanne Chishti, Tony Craddock, Robert Courtneidge, Markos Zachariadis, 2020-02-18 The only globally-crowdsourced book on the future of payments (“PayTech”), offering comprehensive understanding of a rapidly evolving industry at the centre of global commerce The movement of money between individuals, organisations and governments is crucial to the world economy. The payments industry has undergone immense transformation – new regulations, technologies and consumer demands have prompted significant changes to the tools, products and use cases in payments, as well as presented lucrative opportunities for entrepreneurs and FinTech professionals. As payment technologies become faster and more efficient, companies and investors are increasingly favouring PayTech innovation due to better customer experience, increased revenues and manageable risks. The PAYTECH Book brings together a diverse collection of industry experts to provide entrepreneurs, financial services professionals and investors with the answers they need to capitalise on the highly profitable PayTech market. Written by leaders in the global FinTech and payment sectors, this informative volume explains key industry developments and presents valuable first-hand insights from prominent industry practitioners. Contributors include advisors and consultants to the payments and financial services industry, entrepreneurs and business owners utilising cutting-edge PayTech capabilities, academic researchers exploring the social-political-economic impact of PayTech and many others. Detailed chapters cover essential topics such as cybersecurity, regulation and compliance, wholesale payments and how payment systems currently work and how PayTech can improve them. This book: Defines PayTech and identifies its key players Discusses how PayTech can transform developed markets and accelerate growth in emerging economies Describes how PayTech fits into the larger FinTech ecosystem Explores the future of PayTech and its potential as an agent of social change and financial inclusion Provides diverse perspectives on investment in PayTech and what consolidation and expansion will look like The PAYTECH Book: The Payment Technology Handbook for Investors, Entrepreneurs and FinTech Visionaries is an indispensable source of information for FinTech investors and entrepreneurs, managers from payments companies and financial services firms and executives responsible for payments in government, corporations, public sector organisations, retailers and users of payments. |
| blockchain technology in insurance: Data Science Jianchao Zeng, Pinle Qin, Weipeng Jing, Xianhua Song, Zeguang Lu, 2021-09-10 This two volume set (CCIS 1451 and 1452) constitutes the refereed proceedings of the 7th International Conference of Pioneering Computer Scientists, Engineers and Educators, ICPCSEE 2021 held in Taiyuan, China, in September 2021. The 81 papers presented in these two volumes were carefully reviewed and selected from 256 submissions. The papers are organized in topical sections on big data management and applications; social media and recommendation systems; infrastructure for data science; basic theory and techniques for data science; machine learning for data science; multimedia data management and analysis; social media and recommendation systems; data security and privacy; applications of data science; education research, methods and materials for data science and engineering; research demo. |
| blockchain technology in insurance: Smart Computing and Communication Meikang Qiu, 2021-04-16 This book constitutes the proceedings of the 5th International Conference on Smart Computing and Communication, SmartCom 2020, which took place in Paris, France, during December 29-31, 2020. The 30 papers included in this book were carefully reviewed and selected from 162 submissions. The scope of SmartCom 2020 was broad, from smart data to smart communications, from smart cloud computing to smart security. The conference gathered all high-quality research/industrial papers related to smart computing and communications and aimed at proposing a reference guideline for further research. |
| blockchain technology in insurance: Handbook of Blockchain Law Matthias Artzt, Thomas Richter, 2020-07-16 Blockchain has become attractive to companies and governments because it promises to solve the age-old problem of mutability in transactions - that is, it makes falsification and recalculation impossible once a transaction has been committed to the technology. However, the perceived complexity of implementing Blockchain calls for an in-depth overview of its key features and functionalities, specifically in a legal context. The systematic and comprehensive approach set forth in this indispensable book, including coverage of existing relevant law in various jurisdictions and practical guidance on how to tackle legal issues raised by the use of Blockchain, ensures a one-stop-shop reference book for anyone considering Blockchain-based solutions or rendering advice with respect to them. Within a clear structure by fields of law allowing for a systematic approach, each contributor - all of them are practitioners experienced with Blockchain projects within their respective areas of expertise - elucidates the implications of Blockchain technology and related legal issues under such headings as the following: technical explanation of Blockchain technology; contract law; regulatory issues and existing regulation in a variety of jurisdictions; data protection and privacy; capital markets; information security; patents and other intellectual property considerations; and antitrust law. Keeping the legal questions and concepts sufficiently generic so that lawyers can benefit from the handbook irrespective of their jurisdiction and legal background, the authors cover such specific characteristics of Blockchain implementation as so-called smart contracts, tokenization, distributed ledger technology, digital securities, recognition of code as law, data privacy challenges and Blockchain joint ventures. Because Blockchain is a relatively new technology still in process and raises a multitude of legal questions, this well-balanced introduction - at a depth that allows non-IT experts to understand the groundwork for legal assessments - provides a solid basis for organizations and their legal advisors in identifying and resolving Blockchain-related issues. Legal practitioners, in-house lawyers, IT professionals and advisors, consultancy firms, Blockchain associations and legal scholars will welcome this highly informative and practical book. |
| blockchain technology in insurance: Transforming Businesses With Bitcoin Mining and Blockchain Applications Rajput, Dharmendra Singh, Thakur, Ramjeevan Singh, Basha, Syed Muzamil, 2019-09-27 The success of many companies through the assistance of bitcoin proves that technology continually dominates and transforms how economics operate. However, a deeper, more conceptual understanding of how these technologies work to identify innovation opportunities and how to successfully thrive in an increasingly competitive environment is needed for the entrepreneurs of tomorrow. Transforming Businesses With Bitcoin Mining and Blockchain Applications provides innovative insights into IT infrastructure and emerging trends in the realm of digital business technologies. This publication analyzes and extracts information from Bitcoin networks and provides the necessary steps to designing open blockchain. Highlighting topics that include financial markets, risk management, and smart technologies, the research contained within the title is ideal for entrepreneurs, business professionals, managers, executives, academicians, researchers, and business students. |
| blockchain technology in insurance: Mathematical Modeling and Soft Computing in Epidemiology Jyoti Mishra, Ritu Agarwal, Abdon Atangana, 2020-12-28 This book describes the uses of different mathematical modeling and soft computing techniques used in epidemiology for experiential research in projects such as how infectious diseases progress to show the likely outcome of an epidemic, and to contribute to public health interventions. This book covers mathematical modeling and soft computing techniques used to study the spread of diseases, predict the future course of an outbreak, and evaluate epidemic control strategies. This book explores the applications covering numerical and analytical solutions, presents basic and advanced concepts for beginners and industry professionals, and incorporates the latest methodologies and challenges using mathematical modeling and soft computing techniques in epidemiology. Primary users of this book include researchers, academicians, postgraduate students, and specialists. |
| blockchain technology in insurance: Internet of Things Ovidiu Vermesan, Peter Friess, 2022-09-01 The book aims to provide a broad overview of various topics of the Internet of Things (IoT) from the research and development priorities to enabling technologies, architecture, security, privacy, interoperability and industrial applications. It is intended to be a standalone book in a series that covers the Internet of Things activities of the IERC ? Internet of Things European Research Cluster from technology to international cooperation and the global state of play. The book builds on the ideas put forward by the European research Cluster on the Internet of Things Strategic Research Agenda and presents global views and state of the art results on the challenges facing the research, development and deployment of IoT at the global level.Today we see the integration of Industrial, Business and Consumer Internet which is bringing together the Internet of People, Internet of Things, Internet of Energy, Internet of Vehicles, Internet of Media, Services and Enterprises in forming the backbone of the digital economy, the digital society and the foundation for the future knowledge and innovation based economy in supporting solutions for the emerging challenges of public health, aging population, environmental protection and climate change, the conservation of energy and scarce materials, enhancements to safety and security and the continuation and growth of economic prosperity.Penetration of smartphones and advances in machine to machine and wireless communication technology will be the main drivers for IoT development. The IoT contribution is in the increased value of information created by the number of interconnections among things and the transformation of the processed information into knowledge shared into the Internet of Everything. |
| blockchain technology in insurance: Blockchain Technology: Platforms, Tools and Use Cases , 2018-08-21 Approx.278 pagesApprox.278 pages |
| blockchain technology in insurance: Blockchain and Crypto Currency Makoto Yano, Chris Dai, Kenichi Masuda, Yoshio Kishimoto, 2020-04-15 This open access book contributes to the creation of a cyber ecosystem supported by blockchain technology in which technology and people can coexist in harmony. Blockchains have shown that trusted records, or ledgers, of permanent data can be stored on the Internet in a decentralized manner. The decentralization of the recording process is expected to significantly economize the cost of transactions. Creating a ledger on data, a blockchain makes it possible to designate the owner of each piece of data, to trade data pieces, and to market them. This book examines the formation of markets for various types of data from the theory of market quality proposed and developed by M. Yano. Blockchains are expected to give data itself the status of a new production factor. Bringing ownership of data to the hands of data producers, blockchains can reduce the possibility of information leakage, enhance the sharing and use of IoT data, and prevent data monopoly and misuse. The industry will have a bright future as soon as better technology is developed and when a healthy infrastructure is created to support the blockchain market. |
| blockchain technology in insurance: The Cambridge Handbook of Smart Contracts, Blockchain Technology and Digital Platforms Larry A. DiMatteo, Michel Cannarsa, Cristina Poncib-, 2019-10-31 The product of a unique collaboration between academic scholars, legal practitioners, and technology experts, this Handbook is the first of its kind to analyze the ongoing evolution of smart contracts, based upon blockchain technology, from the perspective of existing legal frameworks - namely, contract law. The book's coverage ranges across many areas of smart contracts and electronic or digital platforms to illuminate the impact of new, and often disruptive, technologies on the law. With a mix of scholarly commentary and practical application, chapter authors provide expert insights on the core issues involving the use of smart contracts, concluding that smart contracts cannot supplant contract law and the courts, but leaving open the question of whether there is a need for specialized regulations to prevent abuse. This book should be read by anyone interested in the disruptive effect of new technologies on the law generally, and contract law in particular. |
| blockchain technology in insurance: Smart Blockchain Meikang Qiu, 2019-11-04 This book constitutes the refereed proceedings of the Second International Conference on Smart Blockchain, SmartBlock 2019, held in Birmingham, UK, in October 2019. The 13 papers presented in this volume were carefully reviewed and selected from 100 submissions. They focus on a broad range of topics in the area of blockchain, from privacy-preserving solutions to designing advanced blockchain mechanism, from empirical studies to practical manuals. |
| blockchain technology in insurance: Social Security Policy in a Changing Environment Jeffrey R. Brown, Jeffrey B. Liebman, David A. Wise, 2009-12-15 Social Security Policy in a Changing Environment analyzes the changing economic and demographic environment in which social insurance programs that benefit elderly households will operate. It also explores how these ongoing trends will affect future beneficiaries, under both the current social security program and potential reform options. In this volume, an esteemed group of economists probes the challenge posed to Social Security by an aging population. The researchers examine trends in private sector retirement saving and health care costs, as well as the uncertain nature of future demographic, economic, and social trends—including marriage and divorce rates and female participation in the labor force. Recognizing the ambiguity of the environment in which the Social Security system must operate and evolve, this landmark book explores factors that policymakers must consider in designing policies that are resilient enough to survive in an economically and demographically uncertain society. |
| blockchain technology in insurance: White Paper Blockchain in Trade Facilitation United Nations, 2020-12-28 Blockchain technology is one of the most talked about topics in the sphere of information technology as well as in the facilitation of electronic business. The cryptocurrency Blockchain applications are well known and well-publicized, however, this technology has the potential to influence the way that we do business today, as its use expands to new areas. Blockchain, which is one form of Distributed Ledger Technology (DLT), offers opportunities to increase the reliability and security of trade transactions. The repetition of data among multiple ledgers in a network, as well as the immutability of information after it has been integrated into the Blockchain, can increase levels of confidence for both traders and regulators. |
| blockchain technology in insurance: Blockchain Technologies and Applications for Digital Governance Nijalingappa, Pradeep, Ghonge, Mangesh Manikrao, 2021-11-05 Since its inception, blockchain has evolved to become a crucial trending technology that massively impacts the fast-paced digital world. It has been a game-changing technology that is underpinned with cryptocurrencies like Ethereum and Bitcoin that eventually closed the doors for hacking activities. As blockchain is utilized across areas such as banking, voting, finance, healthcare, and manufacturing, it is important to examine the current trends, difficulties, opportunities, and future directions in order to utilize its full potential. Blockchain Technologies and Applications for Digital Governance addresses the impacts and future trends of blockchain, particularly for digital governance, and demonstrates the applications of blockchain in digital governance using case studies. Covering a range of topics from cybersecurity to real estate tokenization, it is ideal for industry professionals, researchers, academicians, instructors, practitioners, and students. |
| blockchain technology in insurance: Can Blockchain Revolutionize International Trade? Emmanuelle Ganne, 2018 Trade has always been shaped by technological innovation. In recent times, a new technology, Blockchain, has been greeted by many as the next big game-changer. Can Blockchain revolutionize international trade? This publication seeks to demystify the Blockchain phenomenon by providing a basic explanation of the technology. It analyses the relevance of this technology for international trade by reviewing how it is currently used or can be used in the various areas covered by WTO rules. In doing so, it provides an insight into the extent to which this technology could affect cross-border trade in goods and services, and intellectual property rights. It discusses the potential of Blockchain for reducing trade costs and enhancing supply chain transparency as well as the opportunities it provides for small-scale producers and companies. Finally, it reviews various challenges that must be addressed before the technology can be used on a wide scale and have a significant impact on international trade. |
| blockchain technology in insurance: The Emerald Handbook of Blockchain for Business H. Kent Baker, Ehsan Nikbakht, Sean Stein Smith, 2021-03-09 This handbook equips academics, practitioners, and students with an understanding of the cutting-edge developments and applications of emerging blockchain technology. Covering the basic concepts while showcasing practical applications in intricate real-world situations, readers benefit from a useful balance of detailed and user-friendly coverage. |
| blockchain technology in insurance: Blockchain Technology in the Automotive Industry Ghulam Yasin, Amit Kumar Tyagi, Tuan Anh Nguyen, 2024-10-30 Nowadays, the latest technologies can be found not only in healthcare and space application but also in hybrid supercars. Supercars and hypercars require high-performance materials with high strength, high stiffness, and light weight. For higher performance, car engines now become stronger but smaller and with lower fuel consumption (with cleaner exhaust). Currently, the automotive industry involves batch production, but in the near future, personalized and individualized automobiles with low and limited quantities can be fabricated in smart factories, which integrate all companies working in the supply chain, from manufacturing to marketing and services. In this regard, future automobiles in smart cities become more personalized (single user, limited version, personal spare parts), safer, and smarter. Blockchain technology is the key to these future perspectives toward intelligent automobiles without any risk of safety, accident, security, theft, or traffic jam. In the current industry, blockchain technology can explore the interconnection of blockchain with other innovative technologies and trends, such as the Internet of Things (IoT) and artificial intelligence (AI), and analyzes the potential to transform business processes and whole industries if these innovations are applied jointly. In the case of the manufacturing sector, manufacturing can provide a high return on investment. It was reported that $1 of investment in manufacturing can create ~$2.5 of economic activity. In addition, smart products should be fabricated from smart materials via the intelligent manufacturing system framework. In smart production, if the products and machines are integrated, embedded, or otherwise equipped with smart sensors and devices, the system can immediately collect the current operating parameters and predict the product quality and then communicate the optimal parameters to machines in the production line. For smart city applications, the global smart cities market size is expected to grow from USD 410.8 billion in 2020 to USD 820.7 billion by 2025 at a compound annual growth rate (CAGR) of 14.8%. For smart city applications, blockchain technology can build on decentralization, immutability, and consensus characteristics. Additionally, intelligent wireless sensor networks can provide big information to monitor and manage the city’s regular operations and services, including traffic and transportation systems, street lighting systems, power plants, water supply networks, waste management, libraries, hospitals, schools, universities, etc. A blockchain-based distributed framework can be used for automobiles in the smart city. This framework can include a novel miner node selection algorithm for the blockchain-based distributed network architecture. This book explores how blockchain technology can be used in the automotive industry from smart manufacturing to the smart city. |
| blockchain technology in insurance: A Practical Guide to Smart Contracts and Blockchain Law Aaron Grinhaus, 2019 This book is a comprehensive text addressing tax, securities, regulatory and other issues that are essential to practicing in this multidisciplinary space. It surveys legal issues related to blockchain, distributed ledger technology and smart contracts, which is an interdisciplinary area of law requiring expertise in tax, securities, anti-money laundering and FINTRAC regulations, class actions, estate planning, commercial transactions and others. -- |
What is blockchain and what can it do? - The World Econo…
Apr 5, 2021 · Enter blockchain, which has the potential to disrupt that process completely. And not just for payments, but other forms of transaction including the flow of …
Blockchain is in from the cold - The World Economic Forum
Jan 15, 2024 · This growing embrace of blockchain is reflected in the strong interest among traditional financial firms. In just the last few months, BlackRock, JP Morgan, Standard …
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Jun 17, 2016 · Using cryptography to keep exchanges secure, blockchain provides a decentralized database, or “digital ledger”, of transactions that everyone on the network can see. …
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Feb 7, 2025 · Furthermore, blockchain facilitates the tokenization of contributions and rewards, creating new incentive structures to motivate and fairly compensate participants. …
Blockchain: what it is, how it really can change the world
Jun 23, 2016 · Blockchain – the technology behind the bitcoin digital currency – is a decentralized public ledger of transactions that no one person or company owns or …
Blockchain technology: the application and influence on …
Blockchain technology helps insurance industry break through development bottlenecks The characteristics of blockchain such as information backup, security and non-tamperingcan …
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blockchain) technology for some time. Chain Of A Lifetime, published in 2014, explored the potential for blockchain technology to transform personal insurance. This study of blockchains …
1 THE CASE FOR BLOCKCHAIN TECHNOLOGY IN THE …
/DLT technology across the (re)insurance value chain. B. BLOCKCHAIN AND SMART CONTRACTS Blockchain is a distributed and tamper-proof digital ledger that provides a shared single source …
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blockchain technology through considerable investments from both big and small companies [14,15], investigations from consultancy firms [4,16,17], and the creation, in 2016, of the B3i, the …
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challenges in healthcare and insurance industries. 170 Blockchain technology solutions for the security of IoT-based ... Blockchain technology is a concept that came to light in the event of the ...
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62 S. Ahmad and C. Saxena Keywords Articial intelligence · Blockchain · Technology · InsurTech · Covid-19 · Insurance business 1 Introduction As a result of the presentation of advanced and ...
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Blockchain technology has become an active area of research and a technological option for many businesses and industrial communities. With its distributed, decentralized, and trustless ...
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and Early equity investor stages However, blockchain is not the silver bullet solution for all the pain points in the industry Blockchain is a nascent technology with the potential to bring about step …
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scoring to blockchain and is building a protocol for managing identity, risk, and credit scoring using blockchain technology. INSURANCE Most blockchain applications in the insurance industry today …
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insurance touchpoints in cyber risk, business interruption and parametric insurance, business models ... networks. Blockchain technology is becoming mainstream post pandemic. Properly …
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• Blockchain technologies can be used to catalog and verify the ownership of high-value assets, such as art, jewelry and other collectibles. This is already taking place as companies such as …
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For example, blockchain technology-related revenues for the insurance industry are expected to rise from their 2022 level of $425 million to about $37 billion by 2030. This represents revenue …
MedBlockSure: Blockchain‐based insurance system
Overall, a blockchain‐based insurance system can provide several benefitsto the insurance industry including increased efficiency, transparency, and security. By leveraging the power of blockchain …
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Blockchain 2.0 is contracts and refers to all the financial applications that are being built on the blockchain technology other than the transfer of currency. Examples are stock or bond …
Blockchain Climate Risk Crop Insurance
insurance company , without the need of a duplicate risk pool to anticipate payouts. The actors involved remain the same, but the blockchain technology platform would partner directly with …
Blockchain-based approach for Crop Index Insurance in …
crop insurance [18] etc. Blockchain technology, which is a foundational element of cryptocurrencies like Bitcoin, is a decentralized and immutable ledger system that securely
BlockChain Technology - UC Berkeley Sutardja Center
Blockchain technology is finding applications in wide range of areas—both financial and non-financial . ... this report we focus on few key applications of Blockchain technology in the area of …
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Blockchain technology is rapidly evolving and gathering momentum within the financial industry. Many insurers and other financial institutions are taking interest in blockchain technology due to …
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Chairman of Ambassadors International Insurance Society Blockchain technology as a platform for digitization | 1 1 For example, KSI-enabled blockchain, an open standard recently deployed using …
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Health Insurance Premium Prediction Using Blockchain Technology and Random Forest Regression Algorithm. International Journal of Engineering Science Technologies, 6(3), 74-82. doi: …
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Takaful” and “blockchain insurance.” However, ScienceDirect did not retrieve studies on the term “blockchain Takaful,” probably because research on blockchain technology is still in its nascent …
Insurtech & Blockchain: Implementation of Technology in …
Insurtech & Blockchain: Implementation of Technology in Insurance Operations and its Environmental Impact E H Halima, T Yassine* Department of economics and management, …
How Blockchain is Transforming the Mortgage Industry
Several title insurance companies have adopted blockchain technology to facilitate the exchange of prior insurance policies and support remote online notarization. Leveraging blockchain …
Use of Blockchain Technology in integrating Heath …
ty,handling the drawbacks of the current insurance system by using blockchain technology as solution([7]).By using block-chain technology in health insurane, a)provides solution for …
EVALUATING THE EFFICACY AND ACCEPTANCE OF …
Smart contracts or blockchain technology motivates the farmer's participation in crop insurance (Freudenreich & Mubhoff, 2018). Blockchain technology is a decentralized and secure digital …
Blockchain Technology in Automobile Insurance Claim …
insurance, blockchain technology can simultaneously act on two aspects: one is vehicle information monitoring system based on the Internet of things; the other is intelligent contract to improve …
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technology (IT), operations and support functions as well as insurance frauds.1 In health insurance, blockchain has the potential to solve the most widespread challenges related to interoperability …
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Six examples of blockchain concepts applicable in insurance 02 Blockchain technology has a wide variety of use cases in insurance, and the examples discussed below are just the tip of the …
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Blockchain technology offers a wide range of applications in healthcare, addressing critical challenges related to data privacy, security, interoperability, and trust. Below are key areas where
New Technology, New Opportunities - Are you blockchain …
Blockchain and Insurance 5 ConsenSys Insights Executive summary This paper is intended as the first in a series on the role that blockchain technology can play in the insurance sector, both now …
Parametric insurance: - DXC Technology
Advanced technology is opening up new revenue opportunities for insurance companies. Blockchain, increased automation and the ability to process IoT data in real time are examples of …
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based solutions. The study highlighted the essentiality of the Blockchain technology for the health insurance claim adjudication. The major findings the potential benefits and challenges of …
How smart contracts can change the insurance industry
1 1. Introduction This chapter introduces the background of Blockchain, smart contracts and the insurance industry and how the technology has developed the past three decades.
The Impact of Blockchain Technology on the Financial …
Blockchain technology has diverse applications across different type sof financial services. Aside from traditional banking, it can be used in investment management, insurance, and payment …
ARTIFICIAL INTELLIGENCE IN INSURANCE 1 - University of …
2021). In addition to the positive transformations of the insurance sector, there have also been negative implications as a result of artificial intelligence. New technology is not cheap, and …
Technological University Dublin ARROW@TU Dublin
Keywords Regulation,Compliance,Insurance,FinTech,Blockchain,Sandbox PapertypeGeneralreview. Introduction Blockchain technology and its development in the FinTech sector are dependent on …
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2 Barriers to Blockchain Adoption in Insurance To evaluate whether blockchain technology is adapted to the Moroccan insurance sector, we have chosen to analyze the reasons that may not …
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from the adoption of blockchain is insurance [17]. Many blockchain insurance firms are working to improve the end-user experience as well as the businesses that handle people's insurance. …
Blockchain, a catalyst for new approaches in insurance - PwC
relevant blockchain applications for Facebook. In PwC’s third annual Global Blockchain Survey (3), published in 2018, of 600 executives from 15 countries and territories, 84% report blockchain …
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asset insurance is rising, the market remains nascent, characterized by limited coverage and understanding ... blockchain technology compounds the growth of cyber risks. Malicious actions …
International Journal Information Management Data Insights
blockchain technology to other non-financial domains and till now there are still many opportunities to work on in the Insurance sec- tor ( Amponsah et al., 2021 , Swan, 2015 , Mittal et al., 2021 ).
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Blockchain in Re/Insurance Technology with a Purpose Swiss Re Institute Paul Meeusen, Head Distributed Ledger Technology, Swiss Re Alessandro Sorniotti, Research Staff Member, IBM …
Blockchain-based smart contract technology application in …
blockchain technology can upend the insurance value chain (Lorenz et al., 2016) by helping to cut acquisition, management, documentation, and compliance costs. This technology can drive the …
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solvable by use of blockchain technology. Blockchain technology allows for a variety of network transactions to be carried out even by parties lacking confidence. It is possible to record and …
BLOCKCHAIN CLIMATE RISK CROP INSURANCE
RISK CROP INSURANCE Blockchain Climate Risk Crop Insurance is a digital platform for standardized crop insurance for smallholder farmers in Africa, ... The technology platform will …
A Survey on Applications of Game Theory in Blockchain
Abstract—In the past decades, the blockchain technology has attracted tremendous attention from both academia and industry. ... (IoT) [6], healthcare [7], and insurance [8]. In general, blockchain …
BLOCKCHAIN IN LOGISTICS - DHL
services and insurance applications including digital cur-rencies and identities, as well as the continuing develop-ment of this technology and growth from major vendors. ... Blockchain …
BLOCKCHAIN - University at Buffalo
Blockchain (distributed ledger technology) is being considered by more than half of the world's big corporations, according to a Juniper market research survey released Jul 2017 ... Healthcare: …
Blockchain Technology for Preventing Counterfeit in Health …
insurance using Blockchain technology by integrating the data from all the insurance companies, the main drawback is the system using only the insurance companies, the evaluate not
