{"id":1120,"date":"2026-10-15T19:50:53","date_gmt":"2026-10-15T16:50:53","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1120"},"modified":"2026-10-15T19:50:53","modified_gmt":"2026-10-15T16:50:53","slug":"ray-sigorta-ceosu-erdogan-aracinin-kimligi-degisecek","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1120","title":{"rendered":"Ray Sigorta CEO\u2019su Erdo\u011fan: \u201cArac\u0131n\u0131n kimli\u011fi de\u011fi\u015fecek\u201d"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Ray Sigorta CEO\u2019su Koray Erdo\u011fan, CEO Notlar\u0131 serisinin son yaz\u0131s\u0131nda, dijitalle\u015fmenin acentelerin \u00fcstlendi\u011fi g\u00f6revleri ve m\u00fc\u015fterilerine sunduklar\u0131 de\u011feri de\u011fi\u015ftirece\u011fini belirtti. Fiyat kar\u015f\u0131la\u015ft\u0131rma ve hasar y\u00f6netiminde teknolojinin daha fazla rol alaca\u011f\u0131n\u0131 ifade eden Erdo\u011fan, acenteli\u011fin gelece\u011finde riskleri \u00f6nceden fark etmenin ve m\u00fc\u015fterilerle s\u00fcrekli ili\u015fki kurman\u0131n \u00f6nemine dikkat \u00e7ekti.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>Ray Sigorta CEO\u2019su Koray Erdo\u011fan, \u201cDijitalle\u015fme Acenteleri Ger\u00e7ekten Ortadan Kald\u0131racak m\u0131?\u201d<\/strong> ba\u015fl\u0131kl\u0131 yaz\u0131s\u0131nda, teknolojinin sigorta da\u011f\u0131t\u0131m\u0131na etkisini de\u011ferlendirdi. \u0130nternet, do\u011frudan sat\u0131\u015f, kar\u015f\u0131la\u015ft\u0131rma platformlar\u0131 ve insurtech giri\u015fimlerinin ard\u0131ndan yapay zek\u00e2yla yeniden g\u00fcndeme gelen arac\u0131l\u0131k tart\u0131\u015fmas\u0131na de\u011finen Erdo\u011fan, as\u0131l sorunun gelece\u011fin arac\u0131s\u0131n\u0131n m\u00fc\u015fterisine hangi de\u011feri sunaca\u011f\u0131 oldu\u011funu vurgulad\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201c\u0130htiya\u00e7 var ama ihtiya\u00e7 her zaman talebe d\u00f6n\u00fc\u015fm\u00fcyor\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sigortan\u0131n di\u011fer \u00fcr\u00fcnlerden farkl\u0131 bir sat\u0131n alma dinami\u011fine sahip oldu\u011funu belirten Erdo\u011fan, telefon veya otomobilin faydas\u0131n\u0131n hemen g\u00f6r\u00fclebildi\u011fini, tatilde ise ya\u015fanacak deneyimin \u00f6nceden hayal edilebildi\u011fini anlatt\u0131. Sigortada ki\u015finin ger\u00e7ekle\u015fmesini istemedi\u011fi bir olay\u0131n finansal sonu\u00e7lar\u0131na kar\u015f\u0131 g\u00fcvence sat\u0131n ald\u0131\u011f\u0131n\u0131, en iyi senaryoda poli\u00e7esini y\u0131l boyunca kullanmad\u0131\u011f\u0131n\u0131 hat\u0131rlatt\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Erdo\u011fan, insanlar\u0131n risk alt\u0131nda olduklar\u0131n\u0131 ve sigortan\u0131n faydas\u0131n\u0131 bilmelerine ra\u011fmen \u00e7o\u011fu zaman y\u00f6nlendirme olmadan sat\u0131n alma karar\u0131 vermedi\u011fini ifade etti. Riskin uzak g\u00f6r\u00fclmesi, \u00fcr\u00fcn\u00fcn karma\u015f\u0131kl\u0131\u011f\u0131 ve faydas\u0131n\u0131n hemen hissedilmemesinin bu karar\u0131 etkiledi\u011fini belirterek, sigortan\u0131n de\u011ferinin \u00e7o\u011funlukla hasar ger\u00e7ekle\u015fti\u011finde anla\u015f\u0131ld\u0131\u011f\u0131n\u0131 kaydetti.<\/p>\n<p class=\"wp-block-paragraph\">Acente, broker ve di\u011fer da\u011f\u0131t\u0131m kanallar\u0131n\u0131n bu nedenle sat\u0131\u015f\u0131n yan\u0131nda talebi harekete ge\u00e7irme i\u015flevi \u00fcstlendi\u011fine dikkat \u00e7eken Erdo\u011fan; riskleri anlatman\u0131n, ihtiyac\u0131 g\u00f6r\u00fcn\u00fcr k\u0131lman\u0131n, karma\u015f\u0131k \u00fcr\u00fcnleri sadele\u015ftirmenin ve alternatifler aras\u0131nda se\u00e7im yap\u0131lmas\u0131na yard\u0131mc\u0131 olman\u0131n \u00f6nemini vurgulad\u0131. Bu ili\u015fkinin temel unsurlar\u0131ndan birinin de g\u00fcven oldu\u011funu belirtti.<\/p>\n<p class=\"wp-block-paragraph\">Yaz\u0131s\u0131nda uluslararas\u0131 da\u011f\u0131t\u0131m verilerine de yer veren Erdo\u011fan, ABD\u2019de hayat d\u0131\u015f\u0131 sigorta primlerinin yakla\u015f\u0131k y\u00fczde 86\u2019s\u0131n\u0131n acenteler, brokerler ve MGA\u2019lar \u00fczerinden da\u011f\u0131t\u0131ld\u0131\u011f\u0131n\u0131 aktard\u0131. Almanya\u2019da oto ve sa\u011fl\u0131k hari\u00e7 hayat d\u0131\u015f\u0131 sigortalarda yeni i\u015fin yakla\u015f\u0131k y\u00fczde 86\u2019s\u0131n\u0131n geleneksel arac\u0131lar \u00fczerinden ger\u00e7ekle\u015fti\u011fini, oto sigortalar\u0131nda ise bu oran\u0131n y\u00fczde 71 oldu\u011funu belirtti.<\/p>\n<p class=\"wp-block-paragraph\">Erdo\u011fan, milyarlarca dolarl\u0131k dijitalle\u015fme yat\u0131r\u0131m\u0131na ra\u011fmen arac\u0131l\u0131 da\u011f\u0131t\u0131m\u0131n g\u00fc\u00e7l\u00fc konumunu korumas\u0131n\u0131, sigorta ihtiyac\u0131n\u0131n kendili\u011finden talebe d\u00f6n\u00fc\u015fmemesiyle ili\u015fkilendirdi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cTeknoloji ise arac\u0131n\u0131n yapt\u0131\u011f\u0131 i\u015fi de\u011fi\u015ftirecek\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Arac\u0131l\u0131k ihtiyac\u0131n\u0131n s\u00fcrmesinin mevcut acentelik modelinin de\u011fi\u015fmeden devam edece\u011fi anlam\u0131na gelmedi\u011fini belirten Erdo\u011fan, teknolojinin bir mesle\u011fi ortadan kald\u0131rmadan \u00f6nce o mesle\u011fin yapt\u0131\u011f\u0131 i\u015fleri d\u00f6n\u00fc\u015ft\u00fcrd\u00fc\u011f\u00fcn\u00fc ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Bankac\u0131l\u0131\u011f\u0131 \u00f6rnek g\u00f6steren Erdo\u011fan, fatura \u00f6deme, para transferi ve bakiye sorgulama gibi i\u015flemlerin dijitale ta\u015f\u0131nd\u0131\u011f\u0131n\u0131; \u015fubelerin ise kredi yap\u0131land\u0131rmas\u0131, yat\u0131r\u0131m, ticari finansman ve daha karma\u015f\u0131k m\u00fc\u015fteri taleplerine y\u00f6neldi\u011fini anlatt\u0131. Teknolojinin \u015fubelerin varl\u0131\u011f\u0131ndan \u00e7ok \u00fcstlendikleri g\u00f6revleri de\u011fi\u015ftirdi\u011fini belirterek, acentelikte de benzer bir d\u00f6n\u00fc\u015f\u00fcm bekledi\u011fini kaydetti.<\/p>\n<p class=\"wp-block-paragraph\">Erdo\u011fan\u2019a g\u00f6re bu de\u011fi\u015fim, acentelerin m\u00fc\u015fterilerine sundu\u011fu iki \u00f6nemli alanda belirginle\u015fecek: fiyat kar\u015f\u0131la\u015ft\u0131rma ve hasar an\u0131ndaki destek.<\/p>\n<p class=\"wp-block-paragraph\">M\u00fc\u015fteriye sunulan temel de\u011ferin 15\u201320 \u015firketten teklif toplay\u0131p en ucuzunu g\u00f6stermekle s\u0131n\u0131rl\u0131 kalmas\u0131n\u0131n gelecekte g\u00fc\u00e7l\u00fc bir rekabet avantaj\u0131 yaratmayaca\u011f\u0131n\u0131 belirten Erdo\u011fan, kar\u015f\u0131la\u015ft\u0131rma platformlar\u0131n\u0131n bug\u00fcn bu i\u015fi yapt\u0131\u011f\u0131n\u0131 hat\u0131rlatt\u0131. Yapay zek\u00e2n\u0131n ise fiyat\u0131n yan\u0131nda teminatlar\u0131, limitleri, muafiyetleri ve hizmetleri kar\u015f\u0131la\u015ft\u0131rarak m\u00fc\u015fterinin ihtiyac\u0131na uygun \u00f6neriler geli\u015ftirebilece\u011fini ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Erdo\u011fan, yapay zek\u00e2n\u0131n acentenin yapt\u0131\u011f\u0131 se\u00e7me, kar\u015f\u0131la\u015ft\u0131rma ve \u00f6nerme i\u015flerinin \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fc \u00fcstlenebilece\u011fine dikkat \u00e7ekti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cFiyat\u0131 teknoloji kar\u015f\u0131la\u015ft\u0131racak, hasar\u0131 teknoloji y\u00f6netecekse m\u00fc\u015fteri beni neden arayacak?\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Hasar\u0131n uzun y\u0131llar m\u00fc\u015fteri ile acente aras\u0131ndaki en \u00f6nemli temas noktalar\u0131ndan biri oldu\u011funu belirten Erdo\u011fan, karma\u015f\u0131k ve manuel s\u00fcre\u00e7lerde belge temini, takip ve y\u00f6nlendirme ihtiyac\u0131n\u0131n acentenin de\u011ferini art\u0131rd\u0131\u011f\u0131n\u0131 anlatt\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Mobil uygulamalar, dijital hasar ihbar\u0131, uzaktan ekspertiz, g\u00f6r\u00fcnt\u00fc i\u015fleme, otomatik belge kontrol\u00fc ve yapay zek\u00e2yla birlikte bu s\u00fcre\u00e7lerin u\u00e7tan uca dijitalle\u015fti\u011fini ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Erdo\u011fan, \u00f6n\u00fcm\u00fczdeki y\u0131llarda m\u00fc\u015fterinin uygulamaya foto\u011fraf y\u00fcklemesiyle ba\u015flayan bir s\u00fcrecin; yapay zek\u00e2yla hasar de\u011ferlendirmesi, uygun servise y\u00f6nlendirme, dosya a\u00e7\u0131lmas\u0131 ve \u00f6demenin takibine kadar ilerleyebilece\u011fini belirtti. Bu geli\u015fmelerin, m\u00fc\u015fterinin hasar an\u0131nda ne yapaca\u011f\u0131n\u0131 \u00f6\u011frenmek i\u00e7in acentesini arama ihtiyac\u0131n\u0131 azaltaca\u011f\u0131n\u0131 \u00f6ng\u00f6rd\u00fc.<\/p>\n<p class=\"wp-block-paragraph\">Acenteli\u011fin gelece\u011fini bu de\u011fi\u015fim kar\u015f\u0131s\u0131nda m\u00fc\u015fteriye sunulacak de\u011ferin belirleyece\u011fini vurgulayan Erdo\u011fan, tart\u0131\u015fman\u0131n gelece\u011fin arac\u0131s\u0131n\u0131n kim olaca\u011f\u0131na ve hangi i\u015flevleri \u00fcstlenece\u011fine odaklanmas\u0131 gerekti\u011fini ifade etti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cM\u00fc\u015fteriyle daha fazla anlaml\u0131 temas noktas\u0131 yaratmak\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">M\u00fc\u015fteri ili\u015fkisinin \u00e7o\u011fu zaman sat\u0131\u015f, hasar ve yenileme d\u00f6nemleriyle s\u0131n\u0131rl\u0131 kald\u0131\u011f\u0131n\u0131 belirten Erdo\u011fan, acentelerin bu temaslar\u0131n aras\u0131ndaki ya\u015fam\u0131 da takip etmesi gerekti\u011fini vurgulad\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Yeni ara\u00e7 veya ev al\u0131m\u0131, \u00e7ocuk sahibi olma ve i\u015fini b\u00fcy\u00fctme gibi de\u011fi\u015fimlerin farkl\u0131 koruma ihtiya\u00e7lar\u0131 do\u011furdu\u011funu ifade eden Erdo\u011fan; acentenin bu geli\u015fmeleri izlemesi, yeni riskleri fark etmesi, eksik veya gereksiz teminatlar\u0131 a\u00e7\u0131klamas\u0131 ve risk ger\u00e7ekle\u015fmeden \u00f6nce m\u00fc\u015fterisini uyarmas\u0131 gerekti\u011fini kaydetti.<\/p>\n<p class=\"wp-block-paragraph\">Bu yakla\u015f\u0131m\u0131n acenteyi, m\u00fc\u015fterisinin hayat\u0131ndaki riskleri s\u00fcrekli takip eden bir profesyonele d\u00f6n\u00fc\u015ft\u00fcrebilece\u011fini belirten Erdo\u011fan, gelecekte as\u0131l de\u011ferin hasar olu\u015fmadan \u00f6nce riskin y\u00f6netilmesinde ortaya \u00e7\u0131kabilece\u011fini ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Erdo\u011fan, teknolojinin bu modelde acentenin m\u00fc\u015fterisini daha iyi tan\u0131mas\u0131na, riskleri erken g\u00f6rmesine ve zaman\u0131nda ileti\u015fim kurmas\u0131na yard\u0131mc\u0131 olan g\u00fc\u00e7l\u00fc bir ara\u00e7 olabilece\u011fini vurgulad\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cArac\u0131l\u0131k ortadan kalkmayacak. Arac\u0131n\u0131n kimli\u011fi de\u011fi\u015fecek.\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">G\u00f6m\u00fcl\u00fc sigortay\u0131 da d\u00f6n\u00fc\u015f\u00fcm\u00fcn \u00f6rneklerinden biri olarak ele alan Erdo\u011fan, m\u00fc\u015fterinin \u00e7o\u011fu zaman sigorta sat\u0131n almak amac\u0131yla hareket etmedi\u011fini; otomobil, seyahat veya telefon al\u0131rken sigortayla kar\u015f\u0131la\u015ft\u0131\u011f\u0131n\u0131 anlatt\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Sigortan\u0131n ba\u015fka bir \u00fcr\u00fcn\u00fcn i\u00e7ine yerle\u015ftirilmesinin, sat\u0131\u015f\u0131n zaman\u0131n\u0131 ve sat\u0131\u015f\u0131 yapan taraf\u0131 de\u011fi\u015ftirdi\u011fini belirten Erdo\u011fan; gelecekte arac\u0131n\u0131n bir acente, banka, otomobil \u00fcreticisi, dijital platform veya m\u00fc\u015fterinin yapay zek\u00e2 asistan\u0131 olabilece\u011fini ifade etti. \u0130htiya\u00e7 kendili\u011finden talebe d\u00f6n\u00fc\u015fmedi\u011fi s\u00fcrece, bunu harekete ge\u00e7iren bir arac\u0131n\u0131n varl\u0131\u011f\u0131n\u0131 s\u00fcrd\u00fcrece\u011fini savundu.<\/p>\n<p class=\"wp-block-paragraph\">Acentelerin gelece\u011fine karamsar bakmad\u0131\u011f\u0131n\u0131, ancak mevcut modelin aynen devam etmesini de beklemedi\u011fini belirten Erdo\u011fan; yaln\u0131zca fiyat veren, teklif toplayan veya poli\u00e7e d\u00fczenleyen arac\u0131lar\u0131n i\u015finin zorla\u015faca\u011f\u0131n\u0131 kaydetti. Sadece hasar s\u0131ras\u0131nda devreye giren arac\u0131lar\u0131n bug\u00fcn sundu\u011fu de\u011ferin de \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fc teknolojinin \u00fcstlenebilece\u011fini ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Buna kar\u015f\u0131l\u0131k m\u00fc\u015fterisinin riskini anlayan, do\u011fru teminat\u0131 anlatabilen, g\u00fcven olu\u015fturan ve yenileme d\u00f6nemi d\u0131\u015f\u0131nda da ili\u015fki kuran acentelerin de\u011ferini koruyaca\u011f\u0131n\u0131 vurgulayan Erdo\u011fan, yaz\u0131s\u0131n\u0131 \u015fu de\u011ferlendirmeyle tamamlad\u0131:<br \/>\u201cGe\u00e7mi\u015fte acente m\u00fc\u015fterisinin risk ger\u00e7ekle\u015fti\u011finde yan\u0131nda olan ki\u015fiydi. Gelecekte ise as\u0131l de\u011fer, risk ger\u00e7ekle\u015fmeden \u00f6nce m\u00fc\u015fterisinin yan\u0131nda olabilmekte olacak.\u201d<\/p>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fray-sigorta-ceosu-erdogan-aracinin-kimligi-degisecek%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Ray Sigorta CEO\u2019su Koray Erdo\u011fan, CEO Notlar\u0131 serisinin son yaz\u0131s\u0131nda, dijitalle\u015fmenin acentelerin \u00fcstlendi\u011fi g\u00f6revleri ve m\u00fc\u015fterilerine sunduklar\u0131 de\u011feri de\u011fi\u015ftirece\u011fini belirtti. Fiyat kar\u015f\u0131la\u015ft\u0131rma ve hasar y\u00f6netiminde teknolojinin daha fazla rol alaca\u011f\u0131n\u0131 ifade eden Erdo\u011fan, acenteli\u011fin gelece\u011finde riskleri \u00f6nceden fark etmenin ve<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1120","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1120"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1120\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}