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