フィンテックとインシュアテックが金融ビジネス領域に与えた影響と変化

Purpose: Previous studies of FinTech and InsureTech focused on how the introduction of new technologies and systems would affect the existing financial industry. Nevertheless, there were no studies approached from a comprehensive perspective on the relationship with InsurTech, a concept derived from FinTech, and its impact on the financial and insurance industries in the future. This study aims to contribute to related industries and academic fields by predicting the impact, differences, and future prospects of the concept and introduction of FinTech and insurtech on the financial industry. Research design, data, and methodology: Discuss the concept and status of FinTech and insurance technology through qualitative methods such as existing prior research and academic thesis books, and understand what influence it has on the current financial industry, insurance industry, and consumers. Results: Through the impact of each area of FinTech and InsureTech on the financial business area of this study, FinTech and InsureTech were similar concepts but differences could be identified. FinTech and InsureTech are still positively affecting the financial industry and consumers, but they are expected to become innovators that can lead the financial industry in the future. Implications: This study explained the concept of FinTech and InsureTech, and examined the impact of newly introduced high-tech technologies on the financial industry. Through this, it was possible to see the positive impact of FinTech and insurtech on the business sector and the general public. This author hopes that FinTech and InsureTech will be the driving force for new creation through improvement and innovation in each field.