{"id":5363,"date":"2022-06-29T12:24:30","date_gmt":"2022-06-29T12:24:30","guid":{"rendered":"https:\/\/soeasyinsurance.com.cy\/2022\/06\/29\/the-insurance-market-of-2027-how-ready-are-we\/"},"modified":"2022-06-29T12:27:46","modified_gmt":"2022-06-29T12:27:46","slug":"the-insurance-market-of-2027-how-ready-are-we","status":"publish","type":"post","link":"https:\/\/soeasyinsurance.com.cy\/el\/2022\/06\/29\/the-insurance-market-of-2027-how-ready-are-we\/","title":{"rendered":"\u0397 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u03b1\u03b3\u03bf\u03c1\u03ac \u03c4\u03bf\u03c5 2027 – \u03a0\u03cc\u03c3\u03bf \u03ad\u03c4\u03bf\u03b9\u03bc\u03bf\u03b9 \u03b5\u03af\u03bc\u03b1\u03c3\u03c4\u03b5;"},"content":{"rendered":"

\u0393\u03b9\u03ce\u03c1\u03b3\u03bf\u03c2 \u039d\u03ac\u03c4\u03b1\u03c1 – B.Sc, M.Sc, MCyHRMA – \u03a0\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03b9\u03b7\u03bc\u03ad\u03bd\u03bf\u03c2 \u0395\u03ba\u03c0\u03b1\u03b9\u03b4\u03b5\u03c5\u03c4\u03ae\u03c2 \u0395\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u0391\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03c9\u03bd<\/p>\n

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\u03a3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c5\u03ba\u03b1\u03b9\u03c1\u03af\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03cc\u03c3\u03bf\u03c5\u03c2 \u03b8\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03ad\u03c4\u03bf\u03b9\u03bc\u03bf\u03b9<\/h2>\n

\u03a4\u03bf \u03ad\u03c4\u03bf\u03c2 2022 \u03bc\u03b1\u03c2 \u03c4\u03c1\u03bf\u03c6\u03bf\u03b4\u03bf\u03c4\u03b5\u03af \u03ae\u03b4\u03b7 \u03bc\u03b5 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1 \u03c0\u03bf\u03c5 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03bf\u03cd\u03bd \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c5\u03ba\u03b1\u03b9\u03c1\u03af\u03b5\u03c2 \u03c3\u03c4\u03b9\u03c2 \u03b1\u03c0\u03b1\u03b9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03bc\u03b9\u03b1\u03c2 \u03bd\u03ad\u03b1\u03c2 \u03b3\u03b5\u03bd\u03b9\u03ac\u03c2 \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd, \u03c3\u03c4\u03bf\u03c5\u03c2 \u03bc\u03b5\u03c4\u03b1\u03b2\u03b1\u03bb\u03bb\u03cc\u03bc\u03b5\u03bd\u03bf\u03c5\u03c2 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5\u03c2, \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03c4\u03b1\u03c7\u03b5\u03af\u03b1 \u03c5\u03b9\u03bf\u03b8\u03ad\u03c4\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c4\u03b5\u03c7\u03bd\u03bf\u03bb\u03bf\u03b3\u03af\u03b1\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf\u03c5\u03c2 \u03af\u03b4\u03b9\u03bf\u03c5\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2.\u00a0 \u0397 Denise Garth \u03c3\u03c4\u03b9\u03c2 13 \u0399\u03b1\u03bd\u03bf\u03c5\u03b1\u03c1\u03af\u03bf\u03c5 2022 \u03b1\u03bd\u03ad\u03c6\u03b5\u03c1\u03b5 \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03cc\u03c4\u03b9 \u03b7 \u03b2\u03b9\u03c9\u03c3\u03b9\u03bc\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03bf\u03c5 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03bf\u03cd \u03ba\u03bb\u03ac\u03b4\u03bf\u03c5 \u03c3\u03c5\u03bd\u03b4\u03ad\u03b5\u03c4\u03b1\u03b9 \u03b6\u03c9\u03c4\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03b7 \u03bd\u03ad\u03b1 \u03b3\u03b5\u03bd\u03b9\u03ac. \u00a0\u00ab\u0391\u03bd \u03c7\u03ac\u03c3\u03bf\u03c5\u03bc\u03b5 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b1\u03c6\u03ae \u03bc\u03b1\u03b6\u03af \u03c4\u03bf\u03c5\u03c2, \u03c4\u03cc\u03c4\u03b5 \u03b8\u03b1 \u03c7\u03ac\u03c3\u03bf\u03c5\u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b4\u03bf\u03c5\u03bb\u03b5\u03b9\u03ad\u03c2 \u03bc\u03b1\u03c2\u00bb \u03b4\u03ae\u03bb\u03c9\u03c3\u03b5. \u00a0\u03a4\u03bf \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03c4\u03bf\u03c0\u03af\u03bf \u03b1\u03bb\u03bb\u03ac\u03b6\u03b5\u03b9 \u03b4\u03c1\u03b1\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf 2027, \u03c3\u03b5 \u03c0\u03b9\u03bf \u03b3\u03c1\u03ae\u03b3\u03bf\u03c1\u03bf \u03c1\u03c5\u03b8\u03bc\u03cc \u03b1\u03bb\u03bb\u03b1\u03b3\u03ae\u03c2 \u03b1\u03c0\u03cc \u03b1\u03c5\u03c4\u03cc\u03bd \u03c0\u03bf\u03c5 \u03ad\u03c7\u03bf\u03c5\u03bc\u03b5 \u03b4\u03b5\u03b9 \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1, \u03bb\u03cc\u03b3\u03c9 \u03b4\u03cd\u03bf \u03b2\u03b1\u03c3\u03b9\u03ba\u03ce\u03bd \u03c4\u03ac\u03c3\u03b5\u03c9\u03bd: 1. \u03c4\u03b9\u03c2 \u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03c4\u03c9\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd \u03ba\u03b1\u03b9 2. \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03c4\u03ac\u03c7\u03c5\u03bd\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c4\u03b5\u03c7\u03bd\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ae\u03c2 \u03b5\u03be\u03ad\u03bb\u03b9\u03be\u03b7\u03c2.<\/p>\n

\u039c\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf 2027, \u03bf\u03b9 \u03b3\u03b5\u03bd\u03b9\u03ad\u03c2 \u03c4\u03c9\u03bd \u03bc\u03b9\u03bb\u03ad\u03bd\u03b9\u03b1\u03bb \u03ba\u03b1\u03b9 \u03bc\u03b5\u03c4\u03ac-\u03bc\u03b9\u03bb\u03ad\u03bd\u03b9\u03b1\u03bb \u03b8\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03bf\u03cd\u03bd \u03c3\u03c7\u03b5\u03b4\u03cc\u03bd \u03c4\u03bf \u03bc\u03b9\u03c3\u03cc \u03c4\u03bf\u03c5 \u03b5\u03bd\u03ae\u03bb\u03b9\u03ba\u03bf\u03c5 \u03c0\u03bb\u03b7\u03b8\u03c5\u03c3\u03bc\u03bf\u03cd. \u00a0\u0391\u03c5\u03c4\u03bf\u03af \u03bf\u03b9 \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03bf\u03af \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ad\u03c2 \u03b6\u03b7\u03c4\u03bf\u03cd\u03bd \u03b1\u03c0\u03c1\u03cc\u03c3\u03ba\u03bf\u03c0\u03c4\u03b5\u03c2, \u03c0\u03bf\u03bb\u03cd\u03c0\u03bb\u03b5\u03c5\u03c1\u03b5\u03c2 \u03b5\u03c0\u03b1\u03c6\u03ad\u03c2 \u03c3\u03b5 \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b9\u03ba\u03cc \u03c7\u03c1\u03cc\u03bd\u03bf, \u03b5\u03bd\u03c3\u03c9\u03bc\u03b1\u03c4\u03c9\u03bc\u03ad\u03bd\u03b5\u03c2 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03c0\u03bb\u03b1\u03c4\u03c6\u03cc\u03c1\u03bc\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03ae\u03b4\u03b7 \u03be\u03ad\u03c1\u03bf\u03c5\u03bd \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03bd\u03ad\u03b5\u03c2.<\/p>\n

\u03a4\u03b1\u03c5\u03c4\u03cc\u03c7\u03c1\u03bf\u03bd\u03b1, \u03bf\u03b9 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03ad\u03c2 \u03b8\u03b1 \u03c3\u03c5\u03bd\u03b5\u03c7\u03af\u03c3\u03bf\u03c5\u03bd \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2 \u03c4\u03bf\u03c5 \u03ac\u03bb\u03bb\u03bf\u03c5 \u03bc\u03b9\u03c3\u03bf\u03cd \u03c0\u03bb\u03b7\u03b8\u03c5\u03c3\u03bc\u03bf\u03cd, \u03c4\u03c9\u03bd \u03b3\u03b5\u03bd\u03b9\u03ce\u03bd \u03a7 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03bc\u03b5\u03c4\u03b1\u03c0\u03bf\u03bb\u03b5\u03bc\u03b9\u03ba\u03ae, \u03bf\u03b9 \u03bf\u03c0\u03bf\u03af\u03bf\u03b9 \u03b4\u03b5\u03bd \u03ad\u03c7\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03af\u03b4\u03b9\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2.<\/p>\n

\u0397 \u0395\u03c0\u03b9\u03c4\u03ac\u03c7\u03c5\u03bd\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c4\u03b5\u03c7\u03bd\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ae\u03c2 \u03b5\u03be\u03ad\u03bb\u03b9\u03be\u03b7\u03c2<\/h2>\n

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\u03c0\u03c1\u03cc\u03bb\u03b7\u03c8\u03b7 \u03b6\u03b7\u03bc\u03b9\u03ac\u03c2 \u03b1\u03c0\u03cc \u03c7\u03b1\u03bb\u03ac\u03b6\u03b9 \u03ae \u03b3\u03b9\u03b1 \u03b1\u03c0\u03bf\u03c6\u03c5\u03b3\u03ae \u03c0\u03b1\u03b3\u03b5\u03c4\u03bf\u03cd \u03ba\u03b1\u03b9 \u03c3\u03ba\u03ac\u03c3\u03b9\u03bc\u03bf \u03c3\u03c9\u03bb\u03ae\u03bd\u03c9\u03bd. \u039f\u03b9 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c0\u03bf\u03c5 \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03bf\u03cd\u03bd \u03c4\u03b7\u03bb\u03b5\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae \u03b8\u03b1 \u03b5\u03bd\u03b7\u03bc\u03b5\u03c1\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ac \u03c4\u03c9\u03bd \u03b5\u03c1\u03b3\u03b1\u03b6\u03bf\u03bc\u03ad\u03bd\u03c9\u03bd \u03c4\u03bf\u03c5\u03c2, \u03c0.\u03c7. \u03c0\u03c1\u03bf\u03b5\u03b9\u03b4\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03cc\u03c4\u03b9 \u03b5\u03c1\u03b3\u03b1\u03b6\u03cc\u03bc\u03b5\u03bd\u03bf\u03c2 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c0\u03bf\u03b8\u03ae\u03ba\u03b7 \u03c3\u03b7\u03ba\u03ce\u03bd\u03b5\u03b9 \u03b2\u03b1\u03c1\u03b9\u03ac \u03b1\u03bd\u03c4\u03b9\u03ba\u03b5\u03af\u03bc\u03b5\u03bd\u03b1 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c4\u03c1\u03ad\u03c7\u03b5\u03b9 \u03ba\u03af\u03bd\u03b4\u03c5\u03bd\u03bf \u03c4\u03c1\u03b1\u03c5\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03bf\u03cd.<\/p>\n

\u039f\u03b9 \u03a0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2 \/ \u0391\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03bc\u03ad\u03bd\u03bf\u03b9 \u03c4\u03b7\u03c2 \u039d\u03b5\u03b1\u03c2 \u0395\u03c0\u03bf\u03c7\u03ae\u03c2<\/h2>\n

\u039f\u03b9 Millennials \u03ba\u03b1\u03b9 \u03b7 Gen Z \u03c9\u03c2 \u03bf \u03ba\u03c5\u03c1\u03af\u03b1\u03c1\u03c7\u03bf\u03c2 \u03b1\u03b3\u03bf\u03c1\u03b1\u03c3\u03c4\u03ae\u03c2 (\u03b9\u03b4\u03b9\u03ce\u03c4\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03b9\u03b4\u03b9\u03bf\u03ba\u03c4\u03ae\u03c4\u03b5\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd), \u03bc\u03b5\u03c4\u03b1\u03c4\u03bf\u03c0\u03af\u03b6\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7 \u03c4\u03c9\u03bd \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03ce\u03bd, \u03b4\u03b9\u03cc\u03c4\u03b9 \u03b4\u03b5\u03bd \u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03bf\u03cd\u03bd \u03c4\u03b7\u03bd \u03c0\u03b1\u03c1\u03b1\u03b4\u03bf\u03c3\u03b9\u03b1\u03ba\u03ae \u03b6\u03c9\u03ae \u03ba\u03b1\u03b9 \u03c4\u03b1 \u03c0\u03c1\u03cc\u03c4\u03c5\u03c0\u03b1 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03c0\u03bf\u03c5 \u03bf\u03c1\u03af\u03b6\u03bf\u03c5\u03bd \u03bf\u03b9 \u03c0\u03b1\u03bb\u03b1\u03b9\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b3\u03b5\u03bd\u03b9\u03ad\u03c2. \u0395\u03af\u03bd\u03b1\u03b9 \u03bd\u03ad\u03bf \u03ad\u03b4\u03b1\u03c6\u03bf\u03c2. \u0388\u03c7\u03bf\u03c5\u03bd \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03b5\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2.\u00a0 \u03a3\u03b5\u00a0\u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 \u03c4\u03b7\u03c2 McKinsey \u03b4\u03b9\u03b1\u03c0\u03b9\u03c3\u03c4\u03ce\u03b8\u03b7\u03ba\u03b5 \u03cc\u03c4\u03b9 \u03bf\u03b9 \u03bd\u03ad\u03bf\u03b9 \u03ad\u03c7\u03bf\u03c5\u03bd \u03b1\u03bb\u03bb\u03ac\u03be\u03b5\u03b9 \u03c4\u03bf\u03c5\u03c2 \u03c4\u03cd\u03c0\u03bf\u03c5\u03c2 \u03c4\u03c9\u03bd \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ce\u03bd \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03c9\u03bd, \u03c4\u03b7\u03bd \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b7 \u03b5\u03c0\u03b9\u03b8\u03c5\u03bc\u03af\u03b1 \u03b3\u03b9\u03b1 \u03c5\u03c0\u03b7\u03c1\u03b5\u03c3\u03af\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c3\u03c4\u03b9\u03b8\u03ad\u03bc\u03b5\u03bd\u03b7\u03c2 \u03b1\u03be\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03b5\u03be\u03b1\u03c4\u03bf\u03bc\u03b9\u03ba\u03b5\u03c5\u03bc\u03ad\u03bd\u03b7 \u03b1\u03bd\u03b1\u03b4\u03bf\u03c7\u03ae, \u03b1\u03be\u03b9\u03bf\u03c0\u03bf\u03b9\u03ce\u03bd\u03c4\u03b1\u03c2 \u03bd\u03ad\u03b5\u03c2 \u03c0\u03b7\u03b3\u03ad\u03c2 \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03c9\u03bd, \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03b1\u03bd\u03bf\u03bc\u03ad\u03bd\u03c9\u03bd \u03c3\u03c5\u03c3\u03ba\u03b5\u03c5\u03ce\u03bd \u0394\u03b9\u03b1\u03b4\u03c5\u03ba\u03c4\u03af\u03bf\u03c5 \u03c4\u03c9\u03bd \u03a0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03c9\u03bd (IoT). \u00a0\u00a0\u0391\u03c5\u03c4\u03ad\u03c2 \u03bf\u03b9 \u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2 \u03b8\u03b1 \u03bf\u03b4\u03b7\u03b3\u03ae\u03c3\u03bf\u03c5\u03bd \u03c4\u03b7 \u03b6\u03ae\u03c4\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03bd\u03ad\u03b1, \u03ba\u03b1\u03b9\u03bd\u03bf\u03c4\u03cc\u03bc\u03b1 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1 \u03ba\u03b1\u03b9 \u03c5\u03c0\u03b7\u03c1\u03b5\u03c3\u03af\u03b5\u03c2.<\/p>\n

\u039f\u03b9 \u03bd\u03b5\u03cc\u03c4\u03b5\u03c1\u03bf\u03b9 \u03b5\u03bd\u03b4\u03b9\u03b1\u03c6\u03ad\u03c1\u03bf\u03bd\u03c4\u03b1\u03b9 (80%) \u03b3\u03b9\u03b1 \u03c4\u03b9\u03bc\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7 \u03bc\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b7\u03bd \u03bf\u03b4\u03b7\u03b3\u03b9\u03ba\u03ae \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ac \/ \u03b1\u03c0\u03bf\u03c3\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03ac\u03bb\u03bb\u03b5\u03c2 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03b7\u03bd \u03bf\u03b4\u03ae\u03b3\u03b7\u03c3\u03b7, \u03c4\u03b7 \u03b4\u03b9\u03b1\u03c4\u03ae\u03c1\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03bf\u03c7\u03ae\u03bc\u03b1\u03c4\u03cc\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03b1\u03c3\u03c6\u03b1\u03bb\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bd\u03c4\u03b7\u03c1\u03b7\u03bc\u03ad\u03bd\u03bf, \u03c4\u03b7\u03bd \u03b1\u03be\u03af\u03b1 \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03bd\u03b5\u03ce\u03c3\u03b5\u03b9\u03c2 \u03ac\u03b4\u03b5\u03b9\u03b1\u03c2 \u03ba\u03bb\u03c0. \u039a\u03b1\u03b9 \u03b1\u03c5\u03c4\u03cc \u03ad\u03c7\u03b5\u03b9 \u03c9\u03c2 \u03b5\u03c0\u03af\u03c0\u03c4\u03c9\u03c3\u03b7 \u03b7 \u03b6\u03ae\u03c4\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03bf\u03c7\u03b7\u03bc\u03ac\u03c4\u03c9\u03bd \u03c3\u03c4\u03b7 \u03b2\u03ac\u03c3\u03b7 Usage-Based Insurance (UBI), \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03bd\u03ad\u03b5\u03c2 \u03c5\u03c0\u03b7\u03c1\u03b5\u03c3\u03af\u03b5\u03c2 \u03c0\u03c1\u03cc\u03c3\u03b8\u03b5\u03c4\u03b7\u03c2 \u03b1\u03be\u03af\u03b1\u03c2, \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c3\u03b4\u03b9\u03bf\u03c1\u03af\u03b6\u03bf\u03c5\u03bd \u03c4\u03bf\u03bd \u03b1\u03bd\u03c4\u03b1\u03b3\u03c9\u03bd\u03b9\u03c3\u03bc\u03cc, \u03c4\u03b7\u03bd \u03b1\u03c6\u03bf\u03c3\u03af\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5\u03c2 \u03b7\u03b3\u03ad\u03c4\u03b5\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2.<\/p>\n

\u0395\u03c0\u03af\u03c3\u03b7\u03c2, \u03b7 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ce\u03bd \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b5, \u03bc\u03b5 \u03c4\u03bf\u03c5\u03c2 Millennials & Gen Z \u03bd\u03b1 \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03bf\u03cd\u03bd Apple \/ Samsung Pay \u03c3\u03c4\u03bf 53%, \u03b5\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ad\u03c2 (Amazon, Starbucks) \u03c3\u03c4\u03bf 73%, \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ac \u03c0\u03bf\u03c1\u03c4\u03bf\u03c6\u03cc\u03bb\u03b9\u03b1 \u03c3\u03c4\u03bf 68% \u03ba\u03b1\u03b9 Bitcoin \u03c3\u03c4\u03bf 25%, \u03bc\u03b5 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03bf\u03b9 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03ad\u03c2 \u03bd\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03c3\u03c4\u03b7\u03c1\u03af\u03be\u03bf\u03c5\u03bd \u03b5\u03c5\u03c1\u03b5\u03af\u03b1 \u03b3\u03ba\u03ac\u03bc\u03b1 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ce\u03bd \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ce\u03bd \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd, \u03c4\u03cc\u03c3\u03bf \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03b1\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03c4\u03c1\u03c9\u03bd, \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03b1\u03be\u03b9\u03ce\u03c3\u03b5\u03c9\u03bd.<\/p>\n

\u03a4\u03bf \u039d\u03ad\u03bf \u0391\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03a3\u03cd\u03c3\u03c4\u03b7\u03bc\u03b1<\/h2>\n

\u039f \u03a8\u03b7\u03c6\u03b9\u03b1\u03ba\u03cc\u03c2 \u039c\u03b5\u03c4\u03b1\u03c3\u03c7\u03b7\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03cc\u03c2 \u03b5\u03c0\u03b9\u03ba\u03b5\u03bd\u03c4\u03c1\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03c4\u03b1\u03c7\u03cd\u03c4\u03b5\u03c1\u03b7, \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03ba\u03b1\u03b9 \u03b5\u03be\u03c5\u03c0\u03bd\u03cc\u03c4\u03b5\u03c1\u03b7 \u03b4\u03ad\u03c3\u03bc\u03b5\u03c5\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd.\u00a0 \u0397 \u03c4\u03b1\u03c7\u03b5\u03af\u03b1 \u03c5\u03b9\u03bf\u03b8\u03ad\u03c4\u03b7\u03c3\u03b7 \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ce\u03bd \u03c4\u03b5\u03c7\u03bd\u03bf\u03bb\u03bf\u03b3\u03b9\u03ce\u03bd \u03b3\u03b9\u03b1 \u03b1\u03b3\u03bf\u03c1\u03ad\u03c2, \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c5\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c3\u03c0\u03af\u03c4\u03b9 \u03ad\u03c7\u03b5\u03b9 \u03bf\u03b4\u03b7\u03b3\u03ae\u03c3\u03b5\u03b9 \u03c3\u03b5 \u03b1\u03bd\u03b1\u03c4\u03c1\u03bf\u03c0\u03ae \u03c4\u03b7\u03c2 \u03b9\u03c3\u03bf\u03c1\u03c1\u03bf\u03c0\u03af\u03b1\u03c2 \u03b9\u03c3\u03c7\u03cd\u03bf\u03c2 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c4\u03c9\u03bd \u03b5\u03b4\u03c1\u03b1\u03b9\u03c9\u03bc\u03ad\u03bd\u03c9\u03bd \u03c6\u03bf\u03c1\u03ad\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03bd\u03ad\u03c9\u03bd \u03c0\u03c1\u03bf\u03ba\u03bb\u03ae\u03c3\u03b5\u03c9\u03bd \u03c3\u03b5 InsurTech \u03ba\u03b1\u03b9 FinTech.<\/p>\n

\u039f\u03b9 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b1\u03bd\u03b1\u03c3\u03c7\u03b5\u03b4\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03bf\u03c5\u03bd \u03c3\u03c4\u03bf\u03c7\u03b5\u03c5\u03bc\u03ad\u03bd\u03b1 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1 \u03ba\u03b1\u03b9 \u03c5\u03c0\u03b7\u03c1\u03b5\u03c3\u03af\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03bd\u03b1 \u03b1\u03bd\u03c4\u03b1\u03c0\u03bf\u03ba\u03c1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03bd\u03ad\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03c4\u03c9\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03c3\u03c5\u03bc\u03b2\u03b1\u03b4\u03af\u03b6\u03bf\u03c5\u03bd \u03bc\u03b5 \u03c4\u03bf\u03c5\u03c2 \u03bd\u03ad\u03bf\u03c5\u03c2 \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03bf\u03cd\u03c2 \u03b7\u03b3\u03ad\u03c4\u03b5\u03c2. \u0397 \u03b3\u03bd\u03ce\u03c3\u03b7, \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03c3\u03ad\u03bb\u03ba\u03c5\u03c3\u03b7 \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd \u03b5\u03af\u03bd\u03b1\u03b9 \u03b6\u03c9\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c3\u03b7\u03bc\u03b1\u03c3\u03af\u03b1\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u00ab\u03ad\u03be\u03c5\u03c0\u03bd\u03b7 \u03b4\u03ad\u03c3\u03bc\u03b5\u03c5\u03c3\u03b7 \u03c4\u03bf\u03c5\u03c2\u00bb.<\/p>\n

\u03a4\u03bf \u00ab\u0391\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u039f\u03b9\u03ba\u03bf\u03c3\u03cd\u03c3\u03c4\u03b7\u03bc\u03b1\u00bb \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03bd\u03ad\u03b1 \u03ba\u03b1\u03b9\u03bd\u03bf\u03c4\u03bf\u03bc\u03af\u03b1 \u03c3\u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1 \u03bc\u03b1\u03c2.\u00a0 \u039f \u03cc\u03c1\u03bf\u03c2 \u00ab\u03bf\u03b9\u03ba\u03bf\u03c3\u03cd\u03c3\u03c4\u03b7\u03bc\u03b1\u00bb \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03ad\u03bd\u03b1 \u03b4\u03b9\u03b1\u03c3\u03c5\u03bd\u03b4\u03b5\u03b4\u03b5\u03bc\u03ad\u03bd\u03bf \u03c3\u03cd\u03c3\u03c4\u03b7\u03bc\u03b1 \u03c0\u03c1\u03bf\u03c3\u03c6\u03bf\u03c1\u03ce\u03bd \u03b1\u03c0\u03cc \u03bc\u03b9\u03b1 \u03c0\u03bf\u03b9\u03ba\u03b9\u03bb\u03af\u03b1 \u03c3\u03c5\u03bc\u03bc\u03b5\u03c4\u03b5\u03c7\u03cc\u03bd\u03c4\u03c9\u03bd \u03c0\u03b1\u03c1\u03cc\u03c7\u03c9\u03bd, \u03c0\u03bf\u03c5 \u03b5\u03c0\u03b9\u03c4\u03c1\u03ad\u03c0\u03b5\u03b9 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2 \u03bd\u03b1 \u03b5\u03ba\u03c0\u03bb\u03b7\u03c1\u03ce\u03c3\u03bf\u03c5\u03bd \u03c0\u03bf\u03bb\u03bb\u03b1\u03c0\u03bb\u03ad\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2 \u03bc\u03ad\u03c3\u03c9 \u03bc\u03b9\u03b1\u03c2 \u03bf\u03bb\u03bf\u03ba\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03bd\u03b7\u03c2 \u03b5\u03bc\u03c0\u03b5\u03b9\u03c1\u03af\u03b1\u03c2 \u03c7\u03c1\u03ae\u03c3\u03c4\u03b7.\u00a0 \u0395\u03af\u03bd\u03b1\u03b9 \u03b1\u03c5\u03c4\u03cc \u03c0\u03bf\u03c5 \u03ac\u03c1\u03c7\u03b9\u03c3\u03b5 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1 \u03bd\u03b1 \u03bf\u03bd\u03bf\u03bc\u03ac\u03b6\u03b5\u03c4\u03b1\u03b9 \u00ab\u0395\u03bd\u03c3\u03c9\u03bc\u03b1\u03c4\u03c9\u03bc\u03ad\u03bd\u03bf\u03c2 \u03ba\u03af\u03bd\u03b4\u03c5\u03bd\u03bf\u03c2\u00bb \u03b4\u03b7\u03bb\u03b1\u03b4\u03ae \u03bc\u03b9\u03b1 \u03c4\u03b5\u03c7\u03bd\u03b9\u03ba\u03ae \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7\u03c2 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 \u03c0\u03bf\u03c5 \u03c3\u03c5\u03bd\u03b4\u03c5\u03ac\u03b6\u03b5\u03b9 \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03b5\u03c4\u03b9\u03ba\u03ad\u03c2 \u03ba\u03b1\u03bb\u03cd\u03c8\u03b5\u03b9\u03c2 \u03c3\u03b5 \u03ad\u03bd\u03b1 \u03b5\u03bd\u03b9\u03b1\u03af\u03bf \u03c0\u03bf\u03bb\u03c5\u03b5\u03c4\u03ad\u03c2 \u03c3\u03c5\u03bc\u03b2\u03cc\u03bb\u03b1\u03b9\u03bf \u03ae \u03c0\u03c1\u03cc\u03b3\u03c1\u03b1\u03bc\u03bc\u03b1 \u03bc\u03b5 \u03ad\u03bd\u03b1 \u03ae \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03b1 \u03ba\u03bf\u03b9\u03bd\u03ac \u03cc\u03c1\u03b9\u03b1 \u03b5\u03c5\u03b8\u03cd\u03bd\u03b7\u03c2.<\/p>\n

\u0391\u03c5\u03c4\u03ac \u03c4\u03b1 \u03c0\u03c1\u03bf\u03b3\u03c1\u03ac\u03bc\u03bc\u03b1\u03c4\u03b1 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03bd \u03bd\u03b1 \u03b2\u03bf\u03b7\u03b8\u03ae\u03c3\u03bf\u03c5\u03bd \u03c4\u03bf\u03c5\u03c2 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03bc\u03ad\u03bd\u03bf\u03c5\u03c2 \u03bd\u03b1 \u03b1\u03c0\u03bf\u03ba\u03c4\u03ae\u03c3\u03bf\u03c5\u03bd \u03c0\u03b9\u03bf \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03bf\u03cd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03c4\u03bf\u03c5\u03c2 \u03ba\u03b1\u03b9 \u03b5\u03bd\u03b4\u03b5\u03c7\u03bf\u03bc\u03ad\u03bd\u03c9\u03c2 \u03bd\u03b1 \u03bc\u03b5\u03b9\u03ce\u03c3\u03bf\u03c5\u03bd \u03c4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03bc\u03b5\u03c4\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5.<\/p>\n

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\u03a4\u03b1 \u0394\u03af\u03ba\u03c4\u03c5\u03b1 \u0394\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u0391\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03c9\u03bd<\/h2>\n

\u039f\u03b9 \u0394\u03b9\u03b1\u03bd\u03bf\u03bc\u03b5\u03af\u03c2 \u0391\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03c9\u03bd \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03ba\u03b1\u03b8\u03bf\u03c1\u03af\u03c3\u03bf\u03c5\u03bd \u00ab\u03c0\u03bf\u03b9\u03bf\u03b9 \u03b8\u03ad\u03bb\u03bf\u03c5\u03bd \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9\u00bb \u03ba\u03b1\u03b9 \u00ab\u03c0\u03c9\u03c2 \u03b8\u03ad\u03bb\u03bf\u03c5\u03bd \u03bd\u03b1 \u03c0\u03b1\u03af\u03b6\u03bf\u03c5\u03bd\u00bb.\u00a0 \u0391\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b3\u03af\u03bd\u03b5\u03b9 \u03bd\u03ad\u03bf\u03c2 \u03ba\u03b1\u03b8\u03bf\u03c1\u03b9\u03c3\u03bc\u03cc\u03c2 \u03bf\u03c1\u03ac\u03bc\u03b1\u03c4\u03bf\u03c2 \u03c0\u03bf\u03c5 \u03bd\u03b1 \u03c3\u03c7\u03b5\u03c4\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c4\u03bf \u03bd\u03ad\u03bf \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03c3\u03ad\u03b3\u03b3\u03b9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bf\u03bb\u03bf\u03ba\u03bb\u03ae\u03c1\u03c9\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03ac\u03c4\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03bf\u03c5\u03bd \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03b5\u03c0\u03b9\u03c4\u03b5\u03c5\u03c7\u03b8\u03bf\u03cd\u03bd \u03bf\u03b9 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9.\u00a0 \u0394\u03b7\u03bb\u03b1\u03b4\u03ae \u03b1\u03c5\u03c4\u03cc \u03c0\u03bf\u03c5 \u03b3\u03b5\u03bd\u03b9\u03ba\u03ac \u03c3\u03c4\u03bf \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b5\u03af\u03bd \u03bf\u03bd\u03bf\u03bc\u03ac\u03b6\u03b5\u03c4\u03b1\u03b9 \u00ab\u03a3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae \u03a3\u03ba\u03ad\u03c8\u03b7\u00bb.<\/p>\n

\u039c\u03ad\u03c3\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03a3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae \u03a5\u03bb\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7, \u03c4\u03b1 \u03b4\u03af\u03ba\u03c4\u03c5\u03b1 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u03b1\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03c9\u03bd \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03bc\u03b5\u03bb\u03b5\u03c4\u03bf\u03cd\u03bd \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03ba\u03b1\u03c4\u03b1\u03bd\u03bf\u03bf\u03cd\u03bd \u03c3\u03c5\u03bd\u03b5\u03c7\u03ce\u03c2, \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03ba\u03c0\u03b1\u03b9\u03b4\u03b5\u03cd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03b2\u03ac\u03b8\u03bf\u03c2 \u03bc\u03b5 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ae \u03c3\u03b5 \u03bf\u03c0\u03bf\u03b9\u03bf\u03bd\u03b4\u03ae\u03c0\u03bf\u03c4\u03b5 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03ba\u03bb\u03ac\u03b4\u03bf \u03b1\u03c0\u03bf\u03c6\u03b1\u03c3\u03af\u03c3\u03bf\u03c5\u03bd, \u03ce\u03c3\u03c4\u03b5 \u03bd\u03b1 \u03b1\u03c0\u03bf\u03ba\u03c4\u03b7\u03b8\u03b5\u03af \u03b5\u03be\u03b5\u03b9\u03b4\u03af\u03ba\u03b5\u03c5\u03c3\u03b7.\u00a0\u00a0 \u03a4\u03bf \u03b4\u03af\u03ba\u03c4\u03c5\u03bf \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03b9 \u03c3\u03c5\u03bd\u03b5\u03c7\u03ce\u03c2 \u03c0\u03c1\u03cc\u03c3\u03c6\u03b1\u03c4\u03b5\u03c2 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c0\u03bb\u03b7\u03c1\u03bf\u03c6\u03bf\u03c1\u03af\u03b5\u03c2 \u03c4\u03c9\u03bd \u03ba\u03bb\u03ac\u03b4\u03c9\u03bd \u03b5\u03be\u03b5\u03b9\u03b4\u03af\u03ba\u03b5\u03c5\u03c3\u03b7\u03c2, \u03bc\u03ad\u03c3\u03c9 \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ce\u03bd, \u03c0\u03b9\u03bd\u03ac\u03ba\u03c9\u03bd, \u03b1\u03c1\u03b9\u03b8\u03bc\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c0\u03bf\u03bb\u03bb\u03ce\u03bd \u03ac\u03bb\u03bb\u03c9\u03bd \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ce\u03bd \u03bc\u03ad\u03c3\u03c9\u03bd.\u00a0 \u00a0\u039f \u03c3\u03ba\u03bf\u03c0\u03cc\u03c2 \u03b1\u03b3\u03b9\u03ac\u03b6\u03b5\u03b9 \u03c4\u03b1 \u03bc\u03ad\u03c3\u03b1.\u00a0 \u0398\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c0\u03b9\u03bf \u03ad\u03be\u03c5\u03c0\u03bd\u03b5\u03c2 \u03b1\u03c0\u03bf\u03c6\u03ac\u03c3\u03b5\u03b9\u03c2 \u03bc\u03b5 \u03c4\u03b5\u03ba\u03bc\u03b7\u03c1\u03b9\u03c9\u03bc\u03ad\u03bd\u03b7 \u03b3\u03bd\u03ce\u03bc\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03bc\u03ad\u03bb\u03bb\u03bf\u03bd, \u03b1\u03bd\u03b1\u03bb\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b9\u03c2 \u03b1\u03bd\u03b1\u03b4\u03c5\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03c4\u03ac\u03c3\u03b5\u03b9\u03c2.<\/p>\n

\u0397 \u03c3\u03c5\u03bd\u03c4\u03b1\u03b3\u03ae \u03b5\u03af\u03bd\u03b1\u03b9 \u03cc\u03c3\u03bf \u03b1\u03c0\u03bb\u03ae \u03ae\u03c4\u03b1\u03bd \u03c0\u03ac\u03bd\u03c4\u03b1. \u00ab\u0391\u03bd\u03b1\u03c0\u03c4\u03cd\u03be\u03c4\u03b5 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03c7\u03b5\u03af\u03c1\u03b7\u03c3\u03ae \u03c3\u03b1\u03c2, \u03ba\u03b1\u03b9 \u03c7\u03c4\u03af\u03c3\u03c4\u03b5 \u03bc\u03b9\u03b1 \u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03b7\u03bc\u03ad\u03bd\u03b7 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2\u00bb.\u00a0 \u03a4\u03bf \u03bd\u03ad\u03bf \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03af\u03b1\u03c2 \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03c5\u03c0\u03bf\u03c7\u03c1\u03b5\u03c9\u03c4\u03b9\u03ba\u03ac \u03bd\u03b1 \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03b9 \u03c5\u03c0\u03cc\u03c8\u03b7 \u03c4\u03b9\u03c2 \u03b4\u03bf\u03bc\u03ad\u03c2 \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7\u03c2, \u03c4\u03b7\u03bd \u03b5\u03c0\u03af\u03b2\u03bb\u03b5\u03c8\u03b7 \u03c4\u03c9\u03bd \u03ba\u03b5\u03c1\u03b4\u03bf\u03b6\u03b7\u03bc\u03b9\u03ce\u03bd, \u03c4\u03b7 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03b1\u03bb\u03ad\u03bd\u03c4\u03c9\u03bd \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03bf\u03cd \u03b5\u03c1\u03b3\u03b1\u03c4\u03b9\u03ba\u03bf\u03cd \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03bf\u03cd \u03b3\u03b9\u03b1 \u03cc\u03bb\u03bf \u03c4\u03bf \u03b3\u03c1\u03b1\u03c6\u03b5\u03af\u03bf \u03ba\u03b1\u03b9 \u03c4\u03b7 \u03bc\u03b5\u03c4\u03b5\u03be\u03ad\u03bb\u03b9\u03be\u03b7 \u03c4\u03c9\u03bd \u03c0\u03b1\u03bb\u03b1\u03b9\u03ce\u03bd \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03ac\u03c4\u03c9\u03bd \u03bc\u03b5 \u03b5\u03bd\u03c3\u03c9\u03bc\u03b1\u03c4\u03c9\u03bc\u03ad\u03bd\u03b5\u03c2 \u03c0\u03bb\u03b1\u03c4\u03c6\u03cc\u03c1\u03bc\u03b5\u03c2 \u03bc\u03b5 \u03c3\u03c5\u03c3\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1 \u03b1\u03c1\u03c7\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c1\u03bf\u03ce\u03bd \u03b5\u03c1\u03b3\u03b1\u03c3\u03b9\u03ce\u03bd \u03ba\u03b1\u03b9 \u03bc\u03b5 \u03c3\u03c5\u03bd\u03b5\u03c0\u03ae \u03ba\u03b1\u03b9 \u03b5\u03bd\u03bf\u03c0\u03bf\u03b9\u03b7\u03bc\u03ad\u03bd\u03b1 \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b1\u03c0\u03bb\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c1\u03b3\u03b1\u03c3\u03b9\u03ce\u03bd \u03b1\u03c5\u03c4\u03ce\u03bd. \u03a4\u03bf \u03c0\u03b9\u03bf \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03cc\u03bc\u03c9\u03c2 \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1 \u03c4\u03c9\u03bd \u03b4\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03b9\u03ce\u03bd \u03c0\u03b1\u03c1\u03bf\u03c7\u03ae\u03c2 \u03c5\u03c0\u03b7\u03c1\u03b5\u03c3\u03b9\u03ce\u03bd \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7\u03c2 \u03c3\u03c7\u03ad\u03c3\u03b5\u03c9\u03bd \u03bc\u03b5 \u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03c0\u03bf\u03c5 \u03c0\u03c1\u03bf\u03c9\u03b8\u03bf\u03cd\u03bd \u03c4\u03b9\u03c2 \u03c3\u03c9\u03c3\u03c4\u03ad\u03c2 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03bf\u03b4\u03b7\u03b3\u03bf\u03cd\u03bd \u03c3\u03c4\u03b1 \u03b5\u03c0\u03b9\u03b8\u03c5\u03bc\u03b7\u03c4\u03ac \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1.<\/p>\n

\u039f\u03b9 \u03b2\u03b1\u03c3\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c1\u03c9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae\u03c2 \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03af\u03b1\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03b4\u03af\u03ba\u03c4\u03c5\u03b1 \u03c0\u03bf\u03c5 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b1\u03c0\u03b1\u03bd\u03c4\u03b7\u03b8\u03bf\u03cd\u03bd \u03b5\u03af\u03bd\u03b1\u03b9:<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u03c4\u03b9 \u03ba\u03ac\u03bd\u03bf\u03c5\u03bc\u03b5 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf\u03c5\u03c2 \u03ac\u03bb\u03bb\u03bf\u03c5\u03c2 \u03ce\u03c3\u03c4\u03b5 \u03bd\u03b1 \u03bc\u03c0\u03bf\u03cd\u03bc\u03b5 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03b9\u03c3\u03c4\u03bf\u03cd\u03c2 \u00ab\u03c9\u03c2 \u03bf\u03b9 \u03b5\u03b9\u03b4\u03b9\u03ba\u03bf\u03af\u00bb ;<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u03c0\u03c9\u03c2 \u03b8\u03b1 \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03bf\u03c0\u03bf\u03b9\u03b7\u03b8\u03bf\u03cd\u03bc\u03b5 \u03ba\u03b1\u03b9 \u03bc\u03b5 \u03c0\u03bf\u03b9\u03b1 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1 \u03ba\u03b1\u03b9 \u03c5\u03c0\u03b7\u03c1\u03b5\u03c3\u03af\u03b5\u03c2;<\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u03c0\u03bf\u03b9\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03b1 \u03c4\u03bc\u03ae\u03bc\u03b1\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03ba\u03b1\u03b9 \u03bf\u03b9 \u03b3\u03b5\u03c9\u03b3\u03c1\u03b1\u03c6\u03b9\u03ba\u03ad\u03c2 \u03c0\u03b5\u03c1\u03b9\u03bf\u03c7\u03ad\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03bc\u03b5\u03af\u03c2 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03bb\u03ac\u03b2\u03bf\u03c5\u03bc\u03b5 \u03bd\u03b1 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5;<\/p>\n

<\/h2>\n

\u039f\u03b9 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u0391\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2 \u03c4\u03b7\u03c2 \u0391\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u0391\u03b3\u03bf\u03c1\u03ac\u03c2 \u03c3\u03b5 \u03b1\u03c1\u03b9\u03b8\u03bc\u03bf\u03cd\u03c2<\/h2>\n

\u03a4\u03bf \u0394\u03b9\u03b1\u03b4\u03cd\u03ba\u03c4\u03b9\u03bf \u03c4\u03c9\u03bd \u03a0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03c9\u03bd (IoT) \u03c5\u03c0\u03bf\u03bb\u03bf\u03b3\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03c0\u03c4\u03c5\u03c7\u03b8\u03b5\u03af \u03c3\u03b5 \u03ba\u03cd\u03ba\u03bb\u03bf \u03b5\u03c1\u03b3\u03b1\u03c3\u03b9\u03ce\u03bd, \u03bc\u03b5 \u03bc\u03ad\u03c3\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 22% \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf 2027, \u03c6\u03c4\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c3\u03c4\u03b1 $525 \u03b4\u03b9\u03c2, \u03b1\u03c0\u03cc $190 \u03b4\u03b9\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1.<\/p>\n

\u03a4\u03bf \u03bc\u03ad\u03b3\u03b5\u03b8\u03bf\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03c4\u03c9\u03bd \u0391\u03bd\u03b1\u03bb\u03c5\u03c4\u03b9\u03ba\u03ce\u03bd \u03c0\u03bf\u03c5 \u03b3\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b1 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac (Insurance Analytics) \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b1\u03c5\u03be\u03b7\u03b8\u03b5\u03af \u03c3\u03b5 $25 \u03b4\u03b9\u03c2 \u03b1\u03c0\u03cc $10 \u03b4\u03b9\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1, \u03c5\u03c0\u03bf\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1.<\/p>\n

\u0397 \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u0394\u03b9\u03b1\u03b4\u03b9\u03ba\u03c4\u03c5\u03b1\u03ba\u03ae \u0391\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u0391\u03b3\u03bf\u03c1\u03ac \u03b5\u03af\u03bd\u03b1\u03b9 \u03ad\u03c4\u03bf\u03b9\u03bc\u03b7 \u03bd\u03b1 \u03bc\u03b5\u03b3\u03b1\u03bb\u03ce\u03c3\u03b5\u03b9 \u03bc\u03b5 \u03bc\u03ad\u03c3\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 7,6% \u03ad\u03c9\u03c2 \u03c4\u03bf 2027.<\/p>\n

\u0397 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7 \u03c0\u03bf\u03c5 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c6\u03bf\u03c1\u03ac \u03c3\u03b5 \u03c0\u03bf\u03bb\u03bb\u03bf\u03cd\u03c2 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03bf\u03cd\u03c2 \u03ba\u03bb\u03ac\u03b4\u03bf\u03c5\u03c2 \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf 2027.<\/p>\n

\u0397 \u03c0\u03b1\u03b3\u03ba\u03cc\u03c3\u03bc\u03b9\u03b1 \u03b1\u03b3\u03bf\u03c1\u03ac \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2 \u03c5\u03b3\u03b5\u03af\u03b1\u03c2 \u03b8\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 $2,76 \u03c4\u03c1\u03b9\u03c2 \u03c4\u03bf 2022 \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03c6\u03c4\u03ac\u03c3\u03b5\u03b9 \u03c4\u03b1 $4,46 \u03c4\u03c1\u03b9\u03c2 \u03ad\u03c9\u03c2 \u03c4\u03bf 2027, \u03c4\u03bf \u03bc\u03ad\u03b3\u03b5\u03b8\u03bf\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2 \u03c0\u03c5\u03c1\u03ba\u03b1\u03b3\u03b9\u03ac\u03c2 \u03b8\u03b1 \u03c6\u03c4\u03ac\u03c3\u03b5\u03b9 \u03c4\u03b1 $99,5 \u03b4\u03b9\u03c3 \u03c4\u03bf 2027, \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03bc\u03ad\u03c3\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 7,30% \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03af\u03bf\u03b4\u03bf 2022-2027.
\n\u03a3\u03c4\u03b7\u03bd \u0395\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03ae \u0391\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03b7 \u03b1\u03b3\u03bf\u03c1\u03ac \u03b8\u03b1 \u03c6\u03c4\u03ac\u03c3\u03b5\u03b9 \u03c3\u03b5 \u03b1\u03be\u03af\u03b1 $1 \u03c4\u03c1\u03b9\u03c3. \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf 2027, \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03bc\u03ad\u03c3\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 7,20% \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03af\u03bf\u03b4\u03bf 2022-2027.<\/p>\n

\u0397 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03ba\u03c5\u03b2\u03b5\u03c1\u03bd\u03bf\u03c7\u03ce\u03c1\u03bf\u03c5 (cyberinsurance) \u03c3\u03c4\u03b9\u03c2 \u03bc\u03b9\u03ba\u03c1\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03b9\u03ba\u03ad\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ad\u03c2 \u03b8\u03b1 \u03c6\u03c4\u03ac\u03c3\u03b5\u03b9 \u03c4\u03bf 2027 \u03c3\u03c4\u03b1 $650 \u03b5\u03ba\u03b1\u03c4\u03bf\u03bc. \u03b1\u03c0\u03cc $70 \u03b5\u03ba\u03b1\u03c4\u03bf\u03bc. \u03c0\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1.<\/p>\n

\u0397 \u03c0\u03b1\u03b3\u03ba\u03cc\u03c3\u03bc\u03b9\u03b1 \u03c4\u03b1\u03be\u03b9\u03b4\u03b9\u03c9\u03c4\u03b9\u03ba\u03ae \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03b8\u03b1 \u03c6\u03c4\u03b1\u03c3\u03b5\u03b9 \u03c4\u03b1 $44 \u03b4\u03b9\u03c2, \u03b1\u03c0\u03cc \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03bf \u03b1\u03c0\u03cc $20 \u03b4\u03b9\u03c2 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1.<\/p>\n

\u03a3\u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03ce\u03c0\u03b7, \u03b7 \u03b1\u03bd\u03b5\u03c1\u03c7\u03cc\u03bc\u03b5\u03bd\u03b7 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03ba\u03b1\u03c4\u03bf\u03b9\u03ba\u03b9\u03b4\u03af\u03c9\u03bd \u03b8\u03b1 \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03bc\u03ad\u03c3\u03b7 \u03c4\u03b9\u03bc\u03ae 6,3%, \u03ba\u03b1\u03b9 \u03b8\u03b1 \u03c6\u03c4\u03ac\u03c3\u03b5\u03b9 \u03c3\u03c4\u03b1 $5,2 \u03b5\u03ba\u03b1\u03c4\u03bf\u03bc. \u03b1\u03c0\u03cc $3 \u03b5\u03ba\u03b1\u03c4\u03bf\u03bc. \u03c0\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1.<\/p>\n

\u03a3\u03c5\u03bc\u03c0\u03b5\u03c1\u03ac\u03c3\u03bc\u03b1\u03c4\u03b1<\/h2>\n

\u039c\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03cc\u03bb\u03b5\u03c2 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2, \u03b5\u03af\u03bd\u03b1\u03b9 \u03c6\u03b1\u03bd\u03b5\u03c1\u03cc \u03cc\u03c4\u03b9 \u03cc\u03bb\u03b1 \u03b8\u03b1 \u03b1\u03c5\u03be\u03b7\u03b8\u03bf\u03cd\u03bd \u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03b1\u03bb\u03bb\u03b1\u03b3\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03ba\u03b1\u03b9\u03bd\u03bf\u03c4\u03bf\u03bc\u03af\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03c0\u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9.\u00a0 \u03a4\u03bf \u039c\u03bf\u03bd\u03cc\u03b4\u03c1\u03bf\u03bc\u03bf \u039c\u03bf\u03bd\u03bf\u03c0\u03ac\u03c4\u03b9 \u03c4\u03b7\u03c2 \u0391\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2 \u03ba\u03b1\u03b8\u03bf\u03c1\u03af\u03b6\u03b5\u03b9 \u03c0\u03bb\u03ad\u03bf\u03bd \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03b2\u03c1\u03af\u03c3\u03ba\u03b5\u03c4\u03b1\u03b9 \u03bf \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc\u03c2 \u03c4\u03bf\u03bc\u03ad\u03b1\u03c2 \u03c4\u03b7\u03c2 \u039a\u03cd\u03c0\u03c1\u03bf\u03c5 \u03c4\u03bf 2027.\u00a0 \u0397 \u03bf\u03bc\u03ac\u03b4\u03b5\u03c2 \u0394\u03b9\u03ba\u03c4\u03cd\u03c9\u03c3\u03b7\u03c2 \u03c0\u03bf\u03c5 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03b7\u03b8\u03bf\u03cd\u03bd \u03b5\u03af\u03bd\u03b1\u03b9 \u03bc\u03ad\u03c1\u03bf\u03c2 \u03c4\u03b7\u03c2 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae\u03c2 \u03bc\u03b1\u03c2 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2. \u0391\u03c5\u03c4\u03cc \u03b8\u03b1 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03ae\u03c3\u03b5\u03b9 \u03bd\u03ad\u03b5\u03c2 \u03c0\u03b1\u03c1\u03b1\u03b3\u03c9\u03b3\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c7\u03ad\u03c3\u03b5\u03b9\u03c2, \u03ba\u03b1\u03b9 \u03b8\u03b1 \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03b5\u03b9 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03b9\u03ba\u03ad\u03c2 \u03bb\u03cd\u03c3\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03b5\u03ba\u03bc\u03b5\u03c4\u03ac\u03bb\u03bb\u03b5\u03c5\u03c3\u03b7 \u03c4\u03c9\u03bd \u03bd\u03ad\u03c9\u03bd \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03b5\u03c5\u03ba\u03b1\u03b9\u03c1\u03b9\u03ce\u03bd.<\/p>\n

\u03a0\u03c1\u03b1\u03ba\u03c4\u03b9\u03ba\u03ac \u03b8\u03b1 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03ae\u03c3\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03b1\u03c0\u03b1\u03c1\u03b1\u03af\u03c4\u03b7\u03c4\u03b5\u03c2 \u03c3\u03c5\u03c3\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03b2\u03b5\u03bb\u03c4\u03af\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b7\u03b3\u03b5\u03c3\u03af\u03b1\u03c2, \u03c4\u03b7\u03c2 \u03c3\u03ba\u03ad\u03c8\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03c4\u03b5\u03c7\u03bd\u03bf\u03b3\u03bd\u03c9\u03c3\u03af\u03b1\u03c2 \u03c4\u03bf\u03c5 \u03ba\u03bb\u03ac\u03b4\u03bf\u03c5. \u00a0\u0397 \u03b4\u03b9\u03ba\u03c4\u03cd\u03c9\u03c3\u03b7 \u03b4\u03b5\u03bd \u03b1\u03c6\u03bf\u03c1\u03ac \u03bc\u03cc\u03bd\u03bf \u03c4\u03b9\u03c2 \u03c3\u03c5\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2, \u03b1\u03bb\u03bb\u03ac \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03b5\u03cd\u03b5\u03b9 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03c9\u03c2 \u03ad\u03bd\u03b1\u03c2 \u03b4\u03c1\u03cc\u03bc\u03bf\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1 \u03bc\u03b1\u03ba\u03c1\u03bf\u03c0\u03c1\u03cc\u03b8\u03b5\u03c3\u03bc\u03c9\u03bd \u03c3\u03c7\u03ad\u03c3\u03b5\u03c9\u03bd \u03bc\u03b5 \u03b1\u03bc\u03bf\u03b9\u03b2\u03b1\u03af\u03b1 \u03bf\u03c6\u03ad\u03bb\u03b7. <\/em>\u039c\u03b5 \u03cc\u03bb\u03b1 \u03b1\u03c5\u03c4\u03ac \u03c0\u03bf\u03b9\u03cc\u03c2 \u03b4\u03b5\u03bd \u03ba\u03b1\u03c4\u03b1\u03bb\u03b1\u03b2\u03b1\u03af\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 \u03b7 \u03a8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ae \u0395\u03c0\u03b1\u03bd\u03ac\u03c3\u03c4\u03b1\u03c3\u03b7 \u03b2\u03c1\u03af\u03c3\u03ba\u03b5\u03c4\u03b1\u03b9 \u03ae\u03b4\u03b7 \u03c3\u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7 \u03c4\u03b7\u03c2; \u0395\u03bc\u03b5\u03af\u03c2;<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0393\u03b9\u03ce\u03c1\u03b3\u03bf\u03c2 \u039d\u03ac\u03c4\u03b1\u03c1 – B.Sc, M.Sc, MCyHRMA – \u03a0\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03b9\u03b7\u03bc\u03ad\u03bd\u03bf\u03c2 \u0395\u03ba\u03c0\u03b1\u03b9\u03b4\u03b5\u03c5\u03c4\u03ae\u03c2 \u0395\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u0391\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03c9\u03bd \u0397 \u0391\u03bd\u03ac\u03b3\u03ba\u03b7 \u03b3\u03b9\u03b1 \u03b1\u03bb\u03bb\u03b1\u03b3\u03ae \u03a3\u03ae\u03bc\u03b5\u03c1\u03b1, \u03b7 \u03b1\u03c3\u03c4\u03ac\u03b8\u03b5\u03b9\u03b1 \u03c4\u03b7\u03c2 \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ae\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03ad\u03c7\u03b5\u03b9 \u03b3\u03af\u03bd\u03b5\u03b9 \u03bc\u03b9\u03b1 […]<\/p>\n","protected":false},"author":1,"featured_media":5361,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[31],"tags":[],"class_list":["post-5363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"\n\u0397 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u03b1\u03b3\u03bf\u03c1\u03ac \u03c4\u03bf\u03c5 2027 - \u03a0\u03cc\u03c3\u03bf \u03ad\u03c4\u03bf\u03b9\u03bc\u03bf\u03b9 \u03b5\u03af\u03bc\u03b1\u03c3\u03c4\u03b5; 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