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Industries where blockchain can work miracles

"The blockchain symbolizes a shift in power from the centers to the edges of the networks." William Mougayar

There is an opportunity to recreate the financial world as we know it in the parallel universe that is the blockchain. We are writing rules for this whole new universe." Patrick M. Byrne

The world has split into two camps: the people from the first camp still remain resistant to tech changes, blockchain in particular, they avoid discussing and seeking the essence of this phenomenon and turn their blind eye on its benefits and opportunities. The other camp — we happy to belong to it — are charmed by blockchain. Regardless to the camp and the individual motivation, you cannot deny the fact — blockchain is taking the world by storm. It is my firm belief, that the existence of the former camp owes to the lack of awareness and knowledge of the matter.

Blockchain technology is erroneously perceived as the one that enables cryptocurrency trading across the globe. In reality it is much more than that. At a very fundamental level, blockchain makes up a decentralized system for management and authentication of data. The word 'decentralized' bares all the value of this technology. We have lived in the world, where industries, businesses small and large companies were dependant on the authorities not necessarily fair, law-abiding and honest. Within blockchain no one entity controls or owns any of the data.

Recognizing this, blockchain is gaining ground in numerous sectors, and this technology is much closer to our everyday lives than we think. Form many companies blockchain is enticing, and transparent and immutable nature of this technology makes many people race to engage them into their IT-strategies. So, blockchain can make a change in a vast array of spheres, and it is doing it now, while you are reading this blog. Let's dwell on the three areas, where blockchain will be solution for many issues.

Insurance

I am 100% sure that the future of the insurance industry is in joining the blockchain movement and exposure to tech innovations. In the context of insurance, blockchain-based applications can be and are applied in five key areas: fraud detection and risk prevention, claims prevention and management, Internet of Things and product development, new distribution and payment models and reinsurance.

For decades insurance industry has been permeated by unbelievable fraud rates, red-tape which resulted in less than negative press. The industry image is tarnished. Blockchain is the fundamentals of the qualitatively new insurance, built from scratch. Blockchain enablement of increased trust, fairness and transparency speaks directly to the heard of the insurance industry. Rethinking of the insurance business is implied by new business model, which is build from the bottom to top, where the customers become co-creators and regulators of the entire sphere. This is our philosophy — go2solution(Kasko2go) is about creating the community of safe drivers, where each of us can make difference.

Healthcare

The advantages of the blockchain tech in healthcare is related to the sharing and storing the huge amounts of medical data and records. Also it is about personalization, that is of high demand these days. The fraud and corrupt schemes are something that healthcare industry has not managed to escape — well, who has? the potential for fraud, errors or lost records have become the grounds for the mistrust. Here blockchain technology can be useful.

Blockchain can actually bring back the trust and credibility to the sphere by providing secure storage and immutability of the data. The medical records are kept accurately and can be transferred to doctors and other authorized people. Also blockchain can help with the identification of the patients.

Regulation and Legal

As a matter of fact, the absence of the regulatory framework within insurtech is deemed as one of the major challenges of the sphere. The major problem is in the inability of the regulators to keep the pace with the technological advancements. Thus, it is quite logical, that this particular area requires tech touch of blockchain. The technology can do a lot of good with regard to storage and verification of data, it can eliminate the litigation concerning resolving of wills or other documentation.

Businesses are becoming more comfortable with digitally secure contracts, as the deals are facilitated in real-time. The lawyers are poised to serve as the catalysts for blockchain. The legal sphere demands new standards for smart legal agreements, and the new framework must tackle important policy issues raised by this new, impactful technology.

 

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