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