Algorithmic Trust: AI, Blockchain, and the Reinvention of Insurance

İÇİNDEKİLER

INTRODUCTION

The Age of Algorithmic Trust

CHAPTER 1

FROM RISK TO ALGORITHMIC TRUST: THE HISTORICAL EVOLUTION OF INSURANCE

1.1. The Origins of Risk and Mutual Protection

1.2. Institutionalization of Insurance and the Economics of Trust

1.3. The Information Age and Digitalization

1.4. The Advent of AI and Blockchain as Trust Machines

1.5. Synthesis: From Social Solidarity to Algorithmic Trust

CHAPTER 2

THE LOGIC OF RISK: FROM PROBABILITY TO PREDICTIVE ANALYTICS

2.1. From Uncertainty to Probability: The Origins of

Risk Calculation

2.2. The Rise of Actuarial Science and

Institutionalized Prediction

2.3. Digitalization and the Advent of Predictive Analytics

2.4. Algorithmic Models and Ethical Challenges

2.5. The Transformation of Risk Logic: From Mathematical Certainty to Algorithmic Reflexivity

CHAPTER 3

ALGORITHMIC INFRASTRUCTURE AND SMART CONTRACT ECONOMIES

3.1. From Digital Ledgers to Algorithmic Economies

3.2. The Architecture of Smart Contracts

3.3. Decentralized Finance and Risk Distribution

3.4. Governance, Regulation, and Ethical Paradoxes

3.5. Insurance Beyond Institutions: Toward

Algorithmic Markets of Trust

CHAPTER 4

THE ARCHITECTURE OF ALGORITHMIC

TRUST IN FINANCIAL REGULATION

4.1. The Regulatory Challenge of Automation

4.2. Regulatory Technology (RegTech) and Embedded Governance

4.3. Ethical Algorithms and the Problem of Accountability

4.4. Hybrid Governance: Reconciling Code and Law

4.5. Toward a Reflexive Regulatory Paradigm

CHAPTER 5

ARTIFICIAL INTELLIGENCE IN UNDERWRITING AND RISK ASSESSMENT

5.1. From Human Judgment to Automated Underwriting

5.2. Machine Learning in Risk Evaluation

5.3. Ethical and Epistemic Tensions in

Algorithmic Underwriting

5.4. Integrating AI and Blockchain in

Claims and Risk Verification

5.5. The Future of Algorithmic Risk Judgment

CHAPTER 6

PREDICTIVE CAPITAL AND AUTOMATED RISK MARKETS

6.1. The Financialization of Prediction

6.2. Algorithmic Pricing and Real-Time Capital Allocation

6.3. Blockchain Infrastructure and Decentralized Risk Pools

Contents

6.4. Ethical and Systemic Risks of Predictive Capital

6.5. The Future of Risk Markets and Reflexive Regulation

CHAPTER 7

ALGORITHMIC GOVERNANCE AND

ETHICAL REGULATION IN INSURANCE

7.1. From Compliance to Algorithmic Governance

7.2. The EU AI Act and Global Regulatory Responses

7.3. Ethical AI in Insurance: Fairness,

Transparency, and Explainability

7.4. Blockchain as Regulatory Infrastructure

7.5. Reflexive Ethics and the Future of

Algorithmic Accountability

CHAPTER 8

REGIONAL CASE STUDIES AND MEDITERRANEAN PERSPECTIVES

8.1. Introduction: Regionalization of Algorithmic Insurance

8.2. Türkiye’s Digital Insurance Landscape

8.3. Mediterranean and Southern European Models

8.4. Climate Risk, Parametric Insurance, and Regional Resilience.87

8.5. Toward a Mediterranean Model of Ethical Digital Insurance.89

CHAPTER 9

DEFI, DECENTRALIZED RISK TRANSFER, AND THE

FUTURE OF REINSURANCE

9.1. From Traditional Reinsurance to Algorithmic Risk Sharing

9.2. Decentralized Finance (DeFi) and Insurance Convergence

9.3. Blockchain-Orchestrated Reinsurance Networks

9.4. Systemic Risks, Regulatory Dilemmas,

and Ethical Implications

9.5. The Future of Reinsurance: Toward a Decentralized, Ethical, and Transparent Model

CHAPTER 10

THE ROAD AHEAD: ETHICAL FUTURES OF INSURTECH AND

PREDICTIVE SOCIETY

10.1. From Reactive Protection to Predictive Governance

10.2. Algorithmic Surveillance and Behavioral Insurance

10.3. AI Regulation, Transparency, and the

EU Ethical Framework

10.4. Global Futures: Cross-Cultural

Adaptations of Ethical InsurTech

10.5. Beyond Insurance: Algorithmic

Trust and the Predictive Social Contract

EPILOGUE – THE HUMAN CONDITION AFTER RISK

REFERENCES