{"id":21325,"date":"2024-09-30T14:31:37","date_gmt":"2024-09-30T19:31:37","guid":{"rendered":"https:\/\/bolttech.io\/insights\/insurtech%ec%9d%98-%eb%af%b8%eb%9e%98%ea%b0%80-%ec%97%ac%ea%b8%b0%ec%97%90-%ec%9e%88%ec%8a%b5%eb%8b%88%eb%8b%a4\/"},"modified":"2024-11-06T17:32:19","modified_gmt":"2024-11-06T22:32:19","slug":"insurtech%ec%9d%98-%eb%af%b8%eb%9e%98%ea%b0%80-%ec%97%ac%ea%b8%b0%ec%97%90-%ec%9e%88%ec%8a%b5%eb%8b%88%eb%8b%a4","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/insurtech%ec%9d%98-%eb%af%b8%eb%9e%98%ea%b0%80-%ec%97%ac%ea%b8%b0%ec%97%90-%ec%9e%88%ec%8a%b5%eb%8b%88%eb%8b%a4\/","title":{"rendered":"InsurTech\uc758 \ubbf8\ub798\uac00 \uc5ec\uae30\uc5d0 \uc788\uc2b5\ub2c8\ub2e4."},"content":{"rendered":"\n

\uc778\uc288\uc5b4\ud14c\ud06c\ub294 2018\ub144\uc5d0 \ubcf8\uaca9\uc801\uc73c\ub85c \ub4f1\uc7a5\ud588\uc2b5\ub2c8\ub2e4. \uc778\uc288\uc5b4\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc774 \uc131\uacf5\uc801\uc73c\ub85c \uc790\uae08\uc744 \uc870\ub2ec\ud558\uac70\ub098 \uc778\uc218\ud558\uace0, \uae30\uc874 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\uc774 \uc2e4\uc81c\ub85c \uae30\uc874 \ubcf4\ud5d8\uc0ac\uc640 \uacbd\uc7c1\ud558\uae30 \uc2dc\uc791\ud558\ub294 \uac83\uc744 \ubaa9\uaca9\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc774\ub7ec\ud55c \uc778\uc288\uc5b4\ud14c\ud06c \ud2b8\ub80c\ub4dc\ub294 2019\ub144\uc774 \uc804\uac1c\ub428\uc5d0 \ub530\ub77c \uc5c5\uacc4\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc785\ub2c8\ub2e4. 2025\ub144\uae4c\uc9c0 \uc778\uc288\uc5b4\ud14c\ud06c\ub294 \ubaa8\ub4e0 \uacf3\uc5d0 \uc801\uc6a9\ub420 \uac83\uc774\uba70, \ubcf4\ud5d8 \uc5c5\uacc4\uc758 \uc624\ub798\ub41c \uc2b5\uad00 \uc911 \uc0c1\ub2f9\uc218\uac00 \ub354 \ub098\uc740 \uacb0\uacfc\uc640 \ube44\uc6a9 \uc808\uac10, \uace0\uac1d \ub9cc\uc871\uc744 \uc81c\uacf5\ud558\ub294 \uae30\uc220 \ub3c4\uad6c\ub85c \ub300\uccb4\ub420 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n

\uc778\uc288\uc5b4\ud14c\ud06c\uc758 \uacfc\uac70: 2018\ub144\uc758 \ud2b9\uc9d5<\/h2>\n\n

\uc778\uc288\uc5b4\ud14c\ud06c\uc5d0 \ub300\ud55c \uc8fc\uc81c\ub294 2018\ub144 \uc5b4\ub514\uc5d0\ub098 \uc788\uc5c8\uc73c\uba70, \uc778\uc288\uc5b4\ud14c\ud06c \ud601\uc2e0\uc774 \uc5b8\ub354\ub77c\uc774\ud305\uc5d0\uc11c \uace0\uac1d \uae30\ub300\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \ubaa8\ub4e0 \uad6c\uc11d\uad6c\uc11d\uc744 \ud63c\ub780\uc5d0 \ube60\ub728\ub9ac\uae30 \uc2dc\uc791\ud55c \ub370\ub294 \uadf8\ub9cc\ud55c \uc774\uc720\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uae30\uc874 \ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\uc774 \uc6d0\uaca9 \uce21\uc815\uc5d0 \uc190\uc744 \ub300\uace0, \uc0ac\uc77c\ub85c\ud654\ub41c \ucef4\ud4e8\ud130 \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud569\ud558\uace0, \ub4dc\ub860\uc744 \ubc1c\uc0ac\ud558\uc5ec \uc190\ud574 \uccad\uad6c\ub97c \ud3c9\uac00\ud558\ub294 \ub3d9\uc548, \uac00\uc7a5 \ud070 \uc778\uc288\uc5b4\ud14c\ud06c \ud601\uc2e0\uacfc \ud63c\ub780\uc740 \ubcf4\uc774\uc9c0 \uc54a\ub294 \uacf3\uc5d0\uc11c \uc77c\uc5b4\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ud070 \uc774\uc790\ub294 \ud070 \uc790\uae08 \uc870\ub2ec\uc744 \uc758\ubbf8\ud588\ub2e4<\/h2>\n\n

\uc9c0\ub09c \ud55c \ud574 \ub3d9\uc548 \uc218\uc2ed \uac1c\uc758 \uc778\uc288\uc5b4\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc774 \ubca4\ucc98 \uce90\ud53c\ud0c8 \ud68c\uc0ac\uc640 \ub3c5\ub9bd \ud22c\uc790\uc790\uc758 \uad00\uc2ec\uc744 \ub04c\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uc5c5\uacc4\uc5d0\uc11c \ub300\uaddc\ubaa8\uc758 \ube60\ub978 \ud22c\uc790\uac00 \uc774\ub8e8\uc5b4\uc84c\ub2e4\uace0 \ub514\uc9c0\ud138 \ubcf4\ud5d8 \ud3b8\uc9d1\uc7a5 Nathan Golia\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

2018\ub144 1\ubd84\uae30\uc5d0\ub294 66\uac74\uc758 \uc778\uc288\uc5b4\ud14c\ud06c \ud380\ub529\uc774 \uc131\uc0ac\ub418\uc5c8\uace0, 2\ubd84\uae30\uc5d0\ub294 71\uac74\uc758 \uac70\ub798\uac00 \uc131\uc0ac\ub418\uc5c8\ub2e4\uace0 Business Insider\uc758 \ud544\uc790\uc778 Lea Nonninger\ub294 \ub9d0\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 2\ubd84\uae30\uc5d0\ub294 \uc804\uccb4 \ud380\ub529 \uae08\uc561\uc774 \ub354 \uc801\uc5c8\ub294\ub370, \uc774\ub294 2019\ub144\uc774 \uc2e0\uc0dd \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\uc774 \ud22c\uc790\uc790\uc758 \uad00\uc2ec\uc744 \ub04c\uae30\ubcf4\ub2e4\ub294 \uc2dc\uc7a5\uc5d0\uc11c \uc2a4\uc2a4\ub85c\ub97c \uc99d\uba85\ud574\uc57c \ud558\ub294 \ud55c \ud574\uac00 \ub420 \uc218 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc131\uc7a5\ud1b5\uc744 \uadf9\ubcf5\ud558\uace0 \uc131\uc7a5\ud55c \uae30\uc874 \uc778\uc288\uc5b4\ud14c\ud06c \ud68c\uc0ac<\/h2>\n\n

\uadf8\ub7ec\ub098 2018\ub144 \uae30\uc874 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\uc758 \uc2e4\uc801\uc740 \uc2e0\uc0dd \uae30\uc5c5\uc5d0\uac8c \ud76c\ub9dd\uc758 \uc6d0\ucc9c\uc774 \ub429\ub2c8\ub2e4. \ube44\uc988\ub2c8\uc2a4 \uc778\uc0ac\uc774\ub354\uc758 \uc0ac\ub77c \ucf54\uc2dc\uc548\uc2a4\ud0a4 \uae30\uc790\ub294 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\ub4e4\uc740 \ucd08\uae30\uc758 \uc5b4\ub824\uc6c0\uc744 \ub51b\uace0 \uc5c5\uacc4\uc5d0\uc11c \uc548\uc815\uacfc \uc874\uacbd\uc744 \ubc1b\ub294 \uae30\uc5c5\uc73c\ub85c \uc131\uc7a5\ud588\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc624\ub298\ub0a0 \uac00\uc7a5 \uc601\ud5a5\ub825 \uc788\ub294 \ud22c\uc790\uc790\ub4e4\uc740 \uc0c8\ub85c\uc6b4 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\uc774 \uc544\ub2cc \ud6c4\uae30 \ub2e8\uacc4 \ubc0f \ud6c4\uc18d \ud380\ub529 \ub77c\uc6b4\ub4dc\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc744 \uc120\ud0dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd94\uc138\ub294 \ubcf4\ud5d8 \uc5c5\uacc4\uac00 \ubcc0\uace1\uc810\uc5d0 \ub3c4\ub2ec\ud588\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4\uace0 \ub51c\ub85c\uc774\ud2b8\uc758 \ub9ac\ub354\uc778 \uac1c\ub9ac \uc1fc\uc640 \uc0d8 \ud504\ub9ac\ub4dc\uba3c\uc740 \ub9d0\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd94\uc138\ub294 2019\ub144\uc5d0\ub3c4 \uacc4\uc18d\ub420 \uac83\uc73c\ub85c \ubcf4\uc774\uba70, \uc778\uc288\uc5b4\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc774 \uc57d\uc18d\uc744 \uc774\ud589\ud574\uc57c \ud55c\ub2e4\ub294 \uc555\ubc15\uc774 \ub354\uc6b1 \ucee4\uc9c8 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

\uc0ac\uc774\ubc84 \ubcf4\uc548\uc774 \ud544\uc694\ud55c \uc0ac\uc774\ubc84 \ubcf4\ud5d8<\/h2>\n\n

2018\ub144\uc5d0\ub294 \uc0ac\uc774\ubc84 \ubcf4\uc548\uc774 \ubcf4\ud5d8\uc5c5\uacc4\uc758 \uac00\uc7a5 \ud070 \uad00\uc2ec\uc0ac\uc600\uc2b5\ub2c8\ub2e4. \uadf8 \uacb0\uacfc \uc628\ub77c\uc778 \ubcf4\ud5d8 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4 \uc2dc\uc7a5\uc740 \uacc4\uc18d \uc131\uc7a5\ud560 \uac83\uc774\ub77c\uace0 \ubcf4\ud5d8 \uc800\ub110\uc758 \ub9c8\uc774\ud074 \uce74\uc2a4\ub518 \uae30\uc790\uac00 \ubcf4\ub3c4\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uace0\uac1d \ubc0f \ubcf4\ud5d8\uc0ac \ub370\uc774\ud130\ub97c \uc545\uc6a9\ub418\uc9c0 \uc54a\ub3c4\ub85d \uc548\uc804\ud558\uac8c \ubcf4\ud638\ud574\uc57c \ud55c\ub2e4\ub294 \uc555\ubc15\uc774 \ub354\uc6b1 \ucee4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ub514\uc9c0\ud138 \ubcf4\uc548\uc5d0 \ub300\ud55c \uc6b0\ub824\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \uc804\ubbf8\ubcf4\ud5d8\uac10\ub3c5\uc790\ud611\ud68c(NAIC)\ub294 2017\ub144\uc5d0 \ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548 \ubaa8\ub378\ubc95\uc744 \ub9cc\ub4e4\uc5c8\ub2e4\uace0 \ubcf4\ud5d8 \uc800\ub110\uc758 \uc791\uac00 Don Jergler\ub294 \ub9d0\ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc5ec\ub7ec \uc8fc\uc5d0\uc11c \uadf8 \ub4a4\ub97c \ub530\ub790\uc2b5\ub2c8\ub2e4. 2018\ub144 \uc0ac\uc6b0\uc2a4\uce90\ub864\ub77c\uc774\ub098\uc8fc\ub294 NAIC\uc758 \ubaa8\ub378\ubc95\uacfc \uac70\uc758 \uc720\uc0ac\ud55c \ubcf4\ud5d8 \ub514\uc9c0\ud138 \ubcf4\uc548\ubc95\uc744 \uc81c\uc815\ud588\uc2b5\ub2c8\ub2e4. \ub274\uc695\ub3c4 \uc720\uc0ac\ud55c \ubcf4\uc548\ubc95\uc744 \uc81c\uc815\ud588\uc73c\uba70 \ub2e4\ub978 \uc5ec\ub7ec \uc8fc\uc5d0\uc11c\ub3c4 2019\ub144\uc5d0 \uc720\uc0ac\ud55c \ubc95\uc548\uc744 \uace0\ub824\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc624\ub298\ub0a0 \ubcf4\ud5d8\ud68c\uc0ac\uac00 \uc9c1\uba74\ud55c \ubb38\uc81c\ub294 \ubc95\ub960\uacfc \uaddc\uc815\uc774 \ubcc0\ud654\ud558\ub294 \ub514\uc9c0\ud138 \ubcf4\uc548 \uc218\uc694\ub97c \ub530\ub77c\uc7a1\uc744 \uc218 \uc788\ub290\ub0d0\ub294 \uac83\uc774\ub77c\uace0 Clark Hill\uc758 \ubcc0\ud638\uc0ac \ud06c\ub9ac\uc2a4\ud1a0\ud37c \ube0c\ub8e8\ubca0\uc774\ucee4(Christopher M. Brubaker)\ub294 \ub367\ubd99\uc785\ub2c8\ub2e4. \ubcf4\uc548 \ubb38\uc81c\uc5d0 \ud55c\ubc1c \uc55e\uc11c \ub300\uc751\ud574\uc57c \ud560 \ucc45\uc784\uc740 \uc778\uc288\uc5b4\ud14c\ud06c \uc601\uc5ed\uc5d0 \uc788\uc73c\uba70, \ubcf4\ud5d8\uc0ac\uc640 \uace0\uac1d \ubaa8\ub450\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc2e4\uc2dc\uac04\uc73c\ub85c \uc801\uc751\ud574\uc57c \ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

\"\"<\/figure>\n\n

Insurtech Present : 2019 \ub144 \uc0c1\uc2b9 \ucd94\uc138<\/h2>\n\n

2018\ub144\uc758 \ub9ce\uc740 \ud2b8\ub80c\ub4dc\ub294 2019\ub144\uc5d0\ub3c4 \uacc4\uc18d \uc131\uc7a5\ud558\uace0 \ubc1c\uc804\ud560 \uac83\uc785\ub2c8\ub2e4. \uc778\uc288\uc5b4\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc740 \uacc4\uc18d \ub4f1\uc7a5\ud560 \uac83\uc774\uba70, \uc774\ub7ec\ud55c \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \ub300\ud55c \ud380\ub529 \uad00\uc2ec\uc740 \ub2f9\ubd84\uac04 \uc9c0\uc18d\ub420 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc778\uc288\uc5b4\ud14c\ud06c\uc758 \uc131\uc7a5\uc5d0\uc11c \uad50\ud6c8\uc744 \uc5bb\uace0\uc790 \ud558\ub294 \ubcf4\ud5d8\uc0ac\ub294 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uae30\uc5c5\uacfc \uc774\ub4e4\uc774 \ucc44\ud0dd\ud558\uace0 \uc788\ub294 \ud234\uc744 \uc8fc\uc2dc\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc778\uc288\uc5b4\ud14c\ud06c, \uc0ac\uc77c\ub85c\ud654 \ud574\uc18c\uc5d0\uc11c \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc73c\ub85c \uc774\ub3d9<\/h2>\n\n

2018\ub144\uc5d0\ub3c4 \uc0ac\uc77c\ub85c \ud574\uccb4\ub294 \uc5ec\uc804\ud788 \uc8fc\uc694 \ud654\ub450\uc600\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 2019\ub144\uc774 \uc2dc\uc791\ub418\uba74\uc11c \uc778\uc288\uc5b4\ud14c\ud06c \uc0b0\uc5c5\uc758 \ucd5c\ucca8\ub2e8\uc740 \ub2e8\uc21c\ud55c \ud0c8\uc2e4\ub9c1\uc744 \ub118\uc5b4 \uc644\uc804\ud788 \ud1b5\ud569\ub41c \uc0dd\ud0dc\uacc4 \ubaa8\ub378\uc744 \uc218\uc6a9\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c \ub098\uc544\uac00\uace0 \uc788\ub2e4\uace0 \ub9e5\ud0a8\uc9c0\uc758 \uc0ac\uc774\uba3c \ucf00\uc2ac\ub7ec\uc640 \ud3a0\ub9ad\uc2a4 \uc204\ub9c8\uc774\uc5b4\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

“\uc0dd\ud0dc\uacc4\uc5d0 \ucc38\uc5ec\ud558\uba74 \ubcf4\ud5d8 \uc5c5\uccb4\ub294 \ub124\ud2b8\uc6cc\ud06c \ud6a8\uacfc\ub97c \ud1b5\ud574 \uac00\uce58\ub97c \ub354\ud558\uace0(\uc608: \ub3d9\ub9f9\uad6d\uc758 \uc774\ubbf8 \uad6c\ucd95\ub41c \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud568) \ubcf4\ud5d8 \uc11c\ube44\uc2a4\ub97c \ub2e4\ub978 \uc0c1\ud488\uc5d0 \ud1b5\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.”<\/p>\n\n

\ubcf4\ud5d8 \uc0ac\uace0 \ub9ac\ub354\uc2ed\uc758 \uc800\uc790 \ub85c\uc800 \ud398\ubca0\ub810\ub9ac\uc640 \ub808\uc9c0 \ub4dc \ud398\ub2c9\uc2a4\ub294 \uc5d0\ucf54\uc2dc\uc2a4\ud15c \ubaa8\ub378\uc774 \uace0\uac1d \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \uac1c\uc120\ud558\uace0 \uc2e0\ub8b0\ub97c \uad6c\ucd95\ud558\uba70 \uace0\uac1d \uc0dd\ud65c\uc758 \ub9e5\ub77d\uc5d0 \uc801\ud569\ud558\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubcf4\ud5d8\uc0ac\ub294 \ubaa8\uae30\uc9c0 \ud68c\uc0ac\uc640 \ud611\ub825\ud558\uc5ec \uc8fc\ud0dd \uad6c\ub9e4\uc790\uac00 \uc5b4\ub835\uac8c \uad6c\uc785\ud55c \uc8fc\ud0dd\uc5d0 \ub300\ud55c \ubcf4\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \ub370 \uc788\uc5b4 \uadc0\uc911\ud55c \uc9c0\uc6d0\uc790\ub85c \uc790\ub9ac\ub9e4\uae40\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

API\uac00 \uc911\uc2ec\uc774 \ub418\ub2e4<\/h2>\n\n

\uc560\ud50c\ub9ac\ucf00\uc774\uc158 \ucc98\ub9ac \uc778\ud130\ud398\uc774\uc2a4(API)\ub97c \uc0ac\uc6a9\ud558\uba74 \uc0ac\uc6a9\uc790\uac00 \ub450 \ud504\ub85c\uadf8\ub7a8 \uc0ac\uc774\ub97c \uc804\ud658\ud560 \ud544\uc694 \uc5c6\uc774 \ucef4\ud4e8\ud130 \ud504\ub85c\uadf8\ub7a8\uc774 \uc11c\ub85c \ub300\ud654\ud560 \uc218 \uc788\ub2e4\uace0 FreeCodeCamp\uc758 Petr Gazarov\ub294 \uc124\uba85\ud569\ub2c8\ub2e4. \uc0ac\uc6a9\uc790 \uc785\uc7a5\uc5d0\uc11c\ub294 \uc775\uc219\ud55c \ub2e8\uc77c \uc571 \ub610\ub294 \uc778\ud130\ud398\uc774\uc2a4 \ub0b4\uc5d0\uc11c \uc791\uc5c5\uc774 \uc218\ud589\ub429\ub2c8\ub2e4.<\/p>\n\n

API\ub294 \uc774\ubbf8 \ud5ec\uc2a4\ucf00\uc5b4\uc640 \uac19\uc740 \ubd84\uc57c\uc5d0\uc11c \uc0ac\ub78c\uc758 \uac1c\uc785 \uc5c6\uc774 \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c\uacfc \ud1b5\uc2e0\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\ub294 \ub4f1 \ub2e4\uc591\ud55c \ubd84\uc57c\uc5d0\uc11c \ud65c\uc6a9\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8 \ud68c\uc0ac\ub294 API\ub97c \ud65c\uc6a9\ud558\uc5ec \uc774\uc804\uc5d0 \uc0ac\uc77c\ub85c\ud654\ub418\uc5b4 \uc788\ub358 \ubd80\uc11c \uac04\uc758 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \uac1c\uc120\ud560 \uc218 \uc788\ub2e4\uace0 InsurTech Connect\uc758 \uacf5\ub3d9 \uc124\ub9bd\uc790\uc778 Caribou Honig\ub294 \ub9d0\ud569\ub2c8\ub2e4. \ud638\ub2c9\uc740 2019\ub144\uc5d0 API\uac00 \ub354\uc6b1 \ubcf4\ud3b8\ud654\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc778\uc288\uc5b4\ud14c\ud06c, \ud569\ubcd1 \ucd94\uc9c4<\/h2>\n\n

2018\ub144\uc5d0\ub294 \uc778\uc218\ud569\ubcd1\uc774 \uc778\uae30 \uc788\ub294 \uc8fc\uc81c\uc600\uc73c\uba70, 2019\ub144\uc5d0\ub3c4 \uc778\uc218\ud569\ubcd1\uc740 \ub354\uc6b1 \uc99d\uac00\ud560 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4. \uae30\uc874 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc2dc\uc7a5\uc5d0\uc11c \uac80\uc99d\ub41c \uc18c\uaddc\ubaa8 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\uc744 \uc778\uc218\ud558\uace0 \uc788\ub2e4\uace0 Accenture\uc758 \ubd84\uc11d \ucc45\uc784\uc790 Sharad Sachdev\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

“\uc6b0\ub9ac\ub294 \uc774\ubbf8 \ub300\ud615 \ubcf4\ud5d8\ud68c\uc0ac\ub4e4\uc774 \ud601\uc2e0\uc801\uc778 \uc18c\uaddc\ubaa8 \uc2a4\ud0c0\ud2b8\uc5c5\uc744 \uc778\uc218\ud558\ub294 \uac83\uc744 \ubcf4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ud1b5\ud569\uc758 \uc774\uba74\uc5d0 \uc788\ub294 \uc0dd\uac01\uc740 \ub9e4\uc6b0 \uac04\ub2e8\ud569\ub2c8\ub2e4 \u2013 \uadf8 \ud68c\uc0ac\ub294 \uc6b0\ub9ac\uc5d0\uac8c \uacbd\uc7c1 \uc6b0\uc704\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uace0 \uc6b0\ub9ac\ub294 \uc6b0\ub9ac \uc790\uc2e0\uc744 \uc704\ud574 \uadf8 \uacbd\uc7c1 \uc6b0\uc704\ub97c \uac16\uae30\ub97c \uc6d0\ud569\ub2c8\ub2e4.”<\/p>\n\n

\uc62c\ud574 \ub354 \ub9ce\uc740 \uc778\uc288\uc5b4\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc774 \uc2a4\uc2a4\ub85c\ub97c \uc785\uc99d\ud568\uc5d0 \ub530\ub77c \uae30\uc874 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\ub4e4\uc744 \uc7ac\uc815\uc801\uc73c\ub85c \uc9c0\uc6d0\ud560 \ub354 \ub9ce\uc740 \uc774\uc720\ub97c \uac16\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

\"\"<\/figure>\n\n

\uc778\uc288\uc5b4\ud14c\ud06c\uc758 \ubbf8\ub798: 2025\ub144\uae4c\uc9c0 \ubcf4\uac8c \ub420 \uac83<\/h2>\n\n

\ub2e4\uac00\uc624\ub294 \ubcc0\ud654\ub85c \uc778\ud574 2025\ub144\uc758 \ubcf4\ud5d8 \ud658\uacbd\uc740 \uc9c0\uae08\uacfc\ub294 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc624\ub298\ub0a0\uc758 \uc778\uc288\uc5b4\ud14c\ud06c \ud2b8\ub80c\ub4dc\ub85c \uc778\ud574 \ud5a5\ud6c4 6\ub144 \uc548\uc5d0 \ubcf4\ud5d8\uc774 \uc5b4\ub5a4 \ubc29\ud5a5\uc73c\ub85c \ub098\uc544\uac08\uc9c0 \uc0b4\ud3b4\ubcf4\uc138\uc694.<\/p>\n\n

\uc778\uacf5 \uc9c0\ub2a5\uc740 \uc778\uac04\uc758 \uc9c0\ub2a5\uc744 \ubcf4\uc644\ud560 \uac83\uc785\ub2c8\ub2e4.<\/h2>\n\n

\uc778\uacf5\uc9c0\ub2a5(AI)\uc740 \uc774\ubbf8 \ub9ce\uc740 \uae30\uc5c5\uc5d0\uc11c \uace0\uac1d \uc11c\ube44\uc2a4, \ub370\uc774\ud130 \ubd84\uc11d \ubc0f \uc774\uc640 \uc720\uc0ac\ud55c \uc791\uc5c5\uc744 \uac1c\uc120\ud558\uae30 \uc704\ud574 \ud65c\uc6a9\ub418\uace0 \uc788\ub2e4\uace0 PropertyCasualty360\uc758 \uc791\uac00\uc778 Luke Cohler\ub294 \ub9d0\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc624\ub298\ub0a0\uc758 AI\ub294 \uc5ec\uc804\ud788 \uc778\uac04\uc73c\ub85c\ubd80\ud130 \ud559\uc2b5\ud558\uace0 \uc788\uc73c\uba70, \uc57d\uc18d\ub41c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uae30 \uc704\ud574 \uc885\uc885 \uc778\uac04\uc758 \uba74\ubc00\ud55c \uac10\ub3c5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc55e\uc73c\ub85c \uba87 \ub144 \ud6c4\uc5d0\ub294 \uc0c1\ud669\uc774 \ub2ec\ub77c\uc9c8 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. AI\ub294 \ube60\ub974\uac8c \ubc1c\uc804\ud558\uace0 \uc788\uc73c\uba70, 2025\ub144\uc5d0\ub294 \uc77c\uc0c1 \uc0dd\ud65c\uc5d0 \ub108\ubb34 \uae4a\uc219\uc774 \ub4e4\uc5b4\uc640\uc11c AI\uac00 \uc81c\uacf5\ud558\ub294 \uc9c0\uc6d0\uc744 \uac70\uc758 \uc54c\uc544\ucc28\ub9ac\uc9c0 \ubabb\ud560 \uac83\uc774\ub77c\uace0 Google\uc758 \uc218\uc11d \uc774\ucf54\ub178\ubbf8\uc2a4\ud2b8\uc778 Hal Varian\uc740 \uc608\uce21\ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\uc5d0\uac8c \uc788\uc5b4 AI\uc758 \ubd80\uc0c1\uc740 \uc774\uc804\uacfc\ub294 \ub2e4\ub978 \ubc29\uc2dd\uc73c\ub85c \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc758 \uc218\uc900\uc744 \ub192\uc5ec\uc904 \uac83\uc785\ub2c8\ub2e4. \ud2b9\ud788 AI\ub294 \uc0ac\ub78c\uc758 \uc8fc\uc758\ub97c \ub2e4\ub978 \uacf3\uc73c\ub85c \ub3cc\ub9ac\uc9c0 \uc54a\uace0\ub3c4 \uc758\ub8cc\uc9c4\uc774 \uac1c\uc778\uc801 \ucc28\uc6d0\uc5d0\uc11c \ud074\ub808\uc784\uc744 \ub354 \uc798 \uc774\ud574\ud558\uace0 \ucc98\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/p>\n\n

\ubcf4\ud5d8\uc740 \uc2a4\ub9c8\ud2b8 \uacc4\uc57d\uc744 \ud65c\uc6a9\ud560 \uac83\uc785\ub2c8\ub2e4.<\/h2>\n\n

\ube14\ub85d\uccb4\uc778 \ub610\ub294 \ubd84\uc0b0 \uc6d0\uc7a5 \uc2dc\uc2a4\ud15c\uc740 \uc774\ubbf8 \ubcf4\ud5d8 \uc5c5\uacc4 \uc804\ubc18\uc5d0\uc11c \ubcf4\uc548\uacfc \ub370\uc774\ud130 \uc800\uc7a5\uc744 \uac1c\uc120\ud558\ub294 \ub370 \uc0ac\uc6a9\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ube14\ub85d\uccb4\uc778\uc740 \uc2a4\ub9c8\ud2b8 \uacc4\uc57d\uc744 \ub9cc\ub4e4 \uc218 \uc788\ub294 \uae30\ud68c\ub3c4 \uc81c\uacf5\ud558\uba70, \ubcf4\ud5d8\uc774 \uc774 \uae30\uc220\uc758 \ud61c\ud0dd\uc744 \uac00\uc7a5 \ub9ce\uc774 \ubc1b\uc744 \uc218 \uc788\ub294 \ubd84\uc57c\uac00 \ubc14\ub85c \uc774 \ubd84\uc57c\ub77c\uace0 \ubcf4\ud5d8 \uc0ac\uace0 \ub9ac\ub354\uc2ed\uc758 \uc800\uc790 \uc81c\uc774 \ub4dc\ube44\ubcf4\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc2a4\ub9c8\ud2b8 \ucee8\ud2b8\ub799\ud2b8\ub294 \ud2b9\uc815 \uc870\uac74\uc774 \ucda9\uc871\ub418\ub294 \uc2dc\uc810\uc744 \ucd94\uc801\ud55c \ub2e4\uc74c, \uc801\uc808\ud558\uace0 \ubbf8\ub9ac \uc815\ud574\uc9c4 \ud2b9\uc815 \uc791\uc5c5\uc744 \ud2b8\ub9ac\uac70\ud558\uc5ec \ub300\uc751\ud55c\ub2e4\uace0 CryptoVest\uc758 J.R. \uad6c\ud2f0\uc5d0\ub808\uc988\ub294 \uc124\uba85\ud569\ub2c8\ub2e4. \uacc4\uc57d\uc11c\ub294 \ube14\ub85d\uccb4\uc778\uc5d0 \uc800\uc7a5\ub418\uae30 \ub54c\ubb38\uc5d0 \ubb38\uc11c\uc758 \ubaa8\ub4e0 \ud589\uc704\uc640 \ub2f9\uc0ac\uc790\ub97c \ud574\ud0b9\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc6b0 \uc2a4\ub9c8\ud2b8 \ucee8\ud2b8\ub799\ud2b8\ub97c \ud1b5\ud574 \ubcf4\ud5d8\uae08 \uccad\uad6c\uc5d0 \uc790\ub3d9\uc73c\ub85c \ub300\uc751\ud558\uac70\ub098 \ubcf4\ud5d8\ub8cc \uc9c0\uae09\uc5d0 \ub9de\uac8c \ubcf4\uc7a5 \ubc94\uc704\ub97c \uc870\uc815\ud558\ub294 \ub4f1\uc758 \uc870\uce58\ub97c \ucde8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc778\uac04 \uc791\uc5c5\uc790\ub294 \ucef4\ud4e8\ud130\uac00 \uc815\ud655\ud558\uac8c \ud3c9\uac00\ud560 \uc218 \uc5c6\ub294 \uc138\ubd80 \uc0ac\ud56d\uc5d0 \uc9d1\uc911\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uae30\uc874 \ubcf4\ud5d8\uc0ac\ub294 \uc778\uc288\uc5b4\ud14c\ud06c \ud68c\uc0ac\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/h2>\n\n

\uae30\uc874 \ubcf4\ud5d8\uc0ac\uc640 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5 \uac04\uc758 \uc778\uc218\ud569\ubcd1\uc774 \uc99d\uac00\ud558\ub294 \ucd94\uc138\ub294 \ub370\uc774\ud130\ub97c \uc774\ud574\ud558\uace0 \ud65c\uc6a9\ud574\uc57c \ud560 \ud544\uc694\uc131\uc774 \ub192\uc544\uc9c4 \ub370 \ub530\ub978 \uac83\uc774\ub77c\uace0 Insurance Journal\uc758 Stephan Hochburger\ub294 \ub9d0\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774\ub294 \ub514\uc9c0\ud138 \ubcf4\ud5d8 \ud601\uc2e0\uc758 \uccab \ub2e8\uacc4\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/p>\n\n

\ubcf4\ud5d8\ud68c\uc0ac\uc640 \uc778\uc288\uc5b4\ud14c\ud06c \ub9ac\ub354\uc758 \ud569\ubcd1\uc740 \uc774\ub7ec\ud55c \uad00\uacc4\ub97c \ucd94\uad6c\ud558\ub294 \ubcf4\ud5d8\uc0ac\uc758 \ub0b4\ubd80 \ubb38\ud654\ub97c \ubcc0\ud654\uc2dc\ud0ac \uac83\uc785\ub2c8\ub2e4. \ubcf4\ud5d8 \ud504\ub85c\uc138\uc2a4\uc5d0 \uae30\uc220\uc774 \uacc4\uc18d \ub3c4\uc785\ub428\uc5d0 \ub530\ub77c \uae30\uc874 \ubcf4\ud5d8\uc0ac\uc640 \uc778\uc288\uc5b4\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5 \uac04\uc758 \uacbd\uacc4\uac00 \ubaa8\ud638\ud574\uc9c8 \uac83\uc785\ub2c8\ub2e4. 2025\ub144\uae4c\uc9c0 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc790\uccb4\uc801\uc73c\ub85c \uac1c\ubc1c\ud55c \uae30\uc220 \ub3c4\uad6c\ub97c \ud14c\uc2a4\ud2b8\ud558\uace0 \ucd9c\uc2dc\ud560 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n

\uc778\uc288\uc5b4\ud14c\ud06c \ud68c\uc0ac\ub294 \uc5ec\uc804\ud788 \uc874\uc7ac\ud560 \uac00\ub2a5\uc131\uc774 \ub192\uc9c0\ub9cc \ubcf4\ud5d8 \ud68c\uc0ac \ubc0f \uc778\uc288\uc5b4\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5 \ubaa8\ub450\uc5d0 \ub9de\uc11c \ud601\uc2e0\uc744 \uc704\ud574 \uacbd\uc7c1\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\uc778\uc288\uc5b4\ud14c\ud06c\ub294 2018\ub144\uc5d0 \ubcf8\uaca9\uc801\uc73c\ub85c \ub4f1\uc7a5\ud588\uc2b5\ub2c8\ub2e4. \uc778\uc288\uc5b4\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc774 \uc131\uacf5\uc801\uc73c\ub85c \uc790\uae08\uc744 \uc870\ub2ec\ud558\uac70\ub098 \uc778\uc218\ud558\uace0, \uae30\uc874 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\uc774 \uc2e4\uc81c\ub85c \uae30\uc874 \ubcf4\ud5d8\uc0ac\uc640 \uacbd\uc7c1\ud558\uae30 \uc2dc\uc791\ud558\ub294 \uac83\uc744 \ubaa9\uaca9\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc778\uc288\uc5b4\ud14c\ud06c \ud2b8\ub80c\ub4dc\ub294 2019\ub144\uc774 \uc804\uac1c\ub428\uc5d0 \ub530\ub77c \uc5c5\uacc4\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc785\ub2c8\ub2e4. 2025\ub144\uae4c\uc9c0 \uc778\uc288\uc5b4\ud14c\ud06c\ub294 \ubaa8\ub4e0 \uacf3\uc5d0 \uc801\uc6a9\ub420 \uac83\uc774\uba70, \ubcf4\ud5d8 \uc5c5\uacc4\uc758 \uc624\ub798\ub41c \uc2b5\uad00 \uc911 \uc0c1\ub2f9\uc218\uac00 \ub354 \ub098\uc740 \uacb0\uacfc\uc640 \ube44\uc6a9 \uc808\uac10, \uace0\uac1d \ub9cc\uc871\uc744 \uc81c\uacf5\ud558\ub294 \uae30\uc220 \ub3c4\uad6c\ub85c \ub300\uccb4\ub420 \uac83\uc785\ub2c8\ub2e4. […]<\/p>\n","protected":false},"featured_media":5285,"template":"","insight-category":[],"class_list":["post-21325","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/21325","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media\/5285"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=21325"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=21325"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}