أثر الذكاء الاصطناعي على التأمين المعتمد على البيانات: دراسة تطبيقية باستخدام نماذج التعلم الآلي

1. Adeline Chan. (28 Apr, 2023). Can AI Be Used for Risk Assessments?تاريخ الاسترداد 4 Dec, 2025، من ISACA: https://www.isaca.org/resources/news-and-trends/industry-news/2023/can-ai-be-used-for-risk-assessments

2. Ansel Durant، Farren McClure، Maheshwari Karunakaran، وLiam Anderson.(2022). ARTIFICIAL INTELLIGENCE IS TRANSFORMING THE INSURANCE INDUSTRY, INTRODUCING INNOVATIVE METHODS THAT REVOLUTIONIZE THE BUYING PROCESS FOR CUSTOMERS. Journal of Transformative Global Research، 12(9)، 105-113. تاريخ الاسترداد 18 Nov, 2025، من https://www.researchgate.net/publication/386050902

3. Association of International Certified Professional Accountants (AICPA). (13 Jul, 2022). Artificial intelligence is a game changer for auditors. تاريخ الاسترداد 4 Dec, 2025، من AICPA & CIMA: https://www.aicpa-cima.com/news/article/artificial-intelligence-is-a-game-changer-for-auditors.

4. B.J. Copeland. (6 SEP, 2025). artificial intelligence. تم الاسترداد من Encyclopedia Britannica: https://www.britannica.com/technology/artificial-intelligence.

5. Babalola Olabowale. (Sep, 2024). AI-Driven Dynamic Pricing Models in Insurance Policies. تاريخ الاسترداد 7 Dec, 2025، من https://www.researchgate.net/publication/397435431_AI-Driven_Dynamic_Pricing_Models_in_Insurance_Policies.

6. Benjamin Leidman. (Mar, 2021). The impact of artificial intelligence and predictive analytics on insurance risk assessment in the digital age. Periodicals of Engineering and Natural Sciences (PEN)، 9(3)، 375-388. doi:10.21533/pen.v13.i2.392.

7. Brenda Boultwood. (18 Dec, 2020). How Artificial Intelligence Will Change Qualitative Risk Management. تاريخ الاسترداد 4 Dec, 2025، من GARP: https://www.garp.org/risk-intelligence/technology/how-artificial-intelligence-will-change-qualitative-risk-management.

8. CGI. (2023). Data-driven insurance: A path to strategic. تاريخ الاسترداد 6 Dec, 2025، من CGI: https://www.cgi.com/sites/default/files/2023-06/whitepaper-cgi-data-driven.pdf.

9. Christian Janiesch، Patrick Zschech، و Kai Heinrich. (8 Apr, 2021). Machine learning and deep learning. Electronic Markets، 31، 685-695. doi:doi.org/10.1007/s12525-021-00475-2.

10. Christopher P. Holland. (2022). Artificial Intelligence (AI) and Digital Transformation in the Insurance Market: A Case Study Analysis of BGL Group. The 55th Hawaii International Conference on System Sciences (الصفحات 4539-4548). تاريخ الاسترداد 19 Nov, 2025من https://scholarspace.manoa.hawaii.edu/server/api/core/bitstreams/dc20bb63-6143-4f40-9137-9ce1298d078c/content.

11. Citigroup Inc. (29 Apr, 2019). Citi Global Trade Uses AI to Digitize Compliance in Next Generational Project. تاريخ الاسترداد 4 Dec, 2025، من Citigroup Inc: https://www.citigroup.com/global/news/press-release/2019/citi-global-trade-uses-ai-to-digitie-compliance-in-next-generational-project.

12. Donato Malerba، و Vincenzo Pasquadibisceglie. (Oct, 2024). Data-Centric AI. Journal of Intelligent Information Systems، 62(6)، 1-10. doi:10.1007/s10844-024-00901-9.

13. Guy Thomas. (4 May, 2017). Risk Classification and Moral Hazard. In: Loss Coverage: Why Insurance Works Better with Some Adverse Selection. doi:https://doi.org/10.1017/9781316178843.012.

14. Iryna Fedorovych، Oleksiy Rykhalskyy، و Dmytro Poltavskyi. (2025). Digital Transformation of Insurance Industry: Implications of AI Tools Integration. International Journal of Organizational Leadership، 14(1)، 508-522. تاريخ الاسترداد 18 Nov, 2025من https://ijol.cikd.ca/article_60837_6a17e2d107742a968a15329f786a2473.pdf.

15. Libby Bevin. (9 Sep, 2021). Using Artificial Intelligence in Risk Management. تاريخ الاسترداد 4 Dec, 2025، من zenGRC.

16. Martin Eling، Davide Nuessle، و Julian Staubli . (Apr, 2022). The impact of artificial intelligence along the insurance value chain and on the insurability of risks. The Geneva Papers on Risk and Insurance - Issues and Practice، 47، 205–241. doi:https://doi.org/10.1057/s41288-020-00201-7.

17. Naoki Aizawa، و Ami Ko. (8 Aug, 2025). Dynamic Pricing Regulation and Welfare in Insurance Markets. Journal of Political Economy، 133، 2371-2413. doi:https://doi.org/10.1086/735512.

18. Patricia Maroto. (3 Jul, 2025). Impact of AI on Data Analytics. تاريخ الاسترداد 4 Dec, 2025، من Halian International: https://www.halian.com/article/impact-of-ai-on-data-analytics.

19. Paul Kirvan، و Sean Michael Kerner. (20 Oct, 2025). What is a large language model (LLM)? تاريخ الاسترداد 4 Dec, 2025، من TechTarget: https://www.techtarget.com/whatis/definition/large-language-model-LLM.

20. Pradeep Viswanathan. (28 Mar, 2023). Microsoft announces Security Copilot, an AI-powered security analysis tool for enterprises. تاريخ الاسترداد 4 Dec, 2025، من BigTechWire: https://www.bigtechwire.com/2023/03/28/microsoft-announces-security-copilot-an-ai-powered-security-analysis-tool-for-enterprises/.

21. Satyam Prakash Srivastava، Rupa Khanna Malhotra، و Ranjit Kumar Mukherjee. (2024). Data Driven Decision Making in Insurance. 2023 International Conference on Smart Devices (ICSD)، (الصفحات 1-5). Dehradun. doi:10.1109/ICSD60021.2024.10751068.

22. SentinelOne. (29 Aug, 2025). AI Vulnerability Management: Risks, Tools & Best Practices. تاريخ الاسترداد 6 Dec, 2025، من SentinelOne: https://www.sentinelone.com/cybersecurity-101/cybersecurity/ai-vulnerability-management/.

23. Sergiu Gatlan. (28 Mar, 2023). Microsoft brings GPT-4-powered Security Copilot to incident response. تاريخ الاسترداد 4 Dec, 2025، من BleepingComputer: https://www.bleepingcomputer.com/news/microsoft/microsoft-brings-gpt-4-powered-security-copilot-to-incident-response/.

24. Shashank Lohani، Nimisha Asthana، و Mohammad Osama. (2024). Data Analytics in Insurance Product Management. Journal of Artificial Intelligence General science (JAIGS)، 6(1)، 3006-4023. doi:10.60087.

25. Siddharth Misr، و Hao Li. (2020). Deep neural network architectures to approximate the fluid-filled pore size distributions of subsurface geological formations. تأليف Siddharth Misra، Hao Li، و Jiabo He، Machine Learning for Subsurface Characterization (الصفحات 184-216). Elsevier Inc. doi:https://doi.org/10.1016/C2018-0-01926-X.

26. Xi Xin، و Fei Huang. (2024). Antidiscrimination Insurance Pricing: Regulations, Fairness Criteria,and Models. North American Actuarial Journa، 28، 285–319. doi:10.1080/10920277.2023.2190528.