Purpose - The purpose of this paper is to examine the operational and regulatory positions of the employment of Blockchain in the insurance industry. Blockchain technology has attracted wide interest from various stakeholders. Many theorists are predicting that this technology will disrupt financial services, including insurance. As stated that the development of blockchain is dependent on regulatory acceptance of this technology, it is essential to establish the current state of play with regard to the application and use of blockchain from a commercial and regulatory standpoints. Design/methodology/approach - This review encompasses a number of approaches to view the current status of Blockchain applications. From a commercial approach, this research lists the current applications of blockchain within the insurance industry. From a regulatory point of view, the current positions of the EU and national regulatory bodies are enquired upon to establish how they are examining FinTech and Blockchain technologies within their regulatory processes. Findings - This review illustrates a number of Blockchain applications in situ from a commercial point of view. From a regulatory setting and following a call from international and EU levels, it appears that various regulatory bodies have begun the process of formulating testing processes for FinTech applications. There are two predominant types in operation, while others are forming points of contact for advice for FinTechs and a small amount who have not begun the process at all. Research limitations/implications - This review illustrates the current state of play of blockchain in insurance from a commercial and regulatory point of view. While this has been observational, this review pulls together information from various sources to encapsulate the regulatory positioning of evaluating FinTech and Blockchain technologies for academia, regulatory and industry audiences. Originality/value - This review offers a central resource of information with regard to the current state of blockchain technologies in operation and regulatory approaches to this and other FinTech developments.

中文翻译：

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区块链与保险：运营与监管回顾

目的-本文的目的是研究在保险行业中使用区块链的运营和监管状况。区块链技术吸引了众多利益相关者的广泛兴趣。许多理论家预测，这项技术将破坏包括保险在内的金融服务。如前所述，区块链的发展取决于该技术的监管接受度，从商业和监管角度而言，建立区块链的应用和使用的当前状态至关重要。设计/方法/方法-这篇评论涵盖了许多方法来查看区块链应用程序的当前状态。从商业角度来看，这项研究列出了保险业中区块链的当前应用。从监管的角度来看，需要询问欧盟和国家监管机构的当前立场，以确定他们如何在其监管流程中检查金融科技和区块链技术。调查结果-这篇评论从商业角度说明了许多区块链应用程序。从监管环境到国际和欧盟层面的呼吁，似乎各种监管机构已经开始为金融科技应用制定测试流程。有两种主要类型在运营，而其他类型正在形成向金融科技机构寻求建议的联系点，还有少数根本没有开始这一过程。研究局限性/意义-这篇评论从商业和监管的角度说明了区块链在保险业中的现状。虽然这只是观察性的，但本次审查收集了来自各种来源的信息，以囊括针对学术界，监管机构和行业受众评估金融科技和区块链技术的监管定位。原创性/价值-该评论提供了有关此和其他FinTech开发的运营中的区块链技术现状以及监管方法的中央信息资源。