ЦИФРОВІЗАЦІЯ СТРАХОВОГО СЕКТОРУ: ПІДВИЩЕННЯ ЕФЕКТИВНОСТІ, КОНКУРЕНТОСПРОМОЖНОСТІ ТА ЯКОСТІ ПОСЛУГ

LAW IN DIGITAL REALITY

일본의 ‘사회적 과제 해결형’ 4차 산업혁명에 관한 연구 (Japan's 4th Industrial Revolution Efforts in Response to Social Challenges)

The relevance of the paper is due to the fact that the use of artificial intelligence (AI) technologies in education is determined by global trends in the digitalization of the learning process and the need to adapt educational systems to contemporary challenges. Foreign experience in implementing AI demonstrates significant potential for personalizing learning, automating assessment, and analyzing data on the performance of participants in the educational process. Studying successful practices from other countries can reveal effective methods for integrating innovative technologies into the learning process. The purpose of the present article is to examine the current state of the use of artificial intelligence technologies in the educational processes of various countries around the world. The methodology of the research is based on the general scientific and special methods of cognition such us analysis, synthesis, logical method, monitoring, and the method of visualization of the research results. The conclusions. The global experience of applying artificial intelligence in education demonstrates significant potential for these technologies to personalize learning, enhance the effectiveness of the educational process, and expand opportunities for both higher education students and educators. Foreign experience shows that various countries are already actively using AI-based innovative solutions to enhance the effectiveness and quality of education. At the same time, the implementation of AI in education is accompanied by certain challenges and risks that must be considered and addressed at both national and international levels. However, given the rapid growth of investments and innovations in this field, it can be expected that AI will become an integral part of the education of the future, transforming the learning process and opening new horizons for the development of human potential. The scientific novelty of the research. A comparative analysis of the implementation of artificial intelligence technologies in the educational process of different countries, including China, the USA, the United Kingdom, and Japan, has been conducted. Key features of AI integration in the field of education and its impact on learning personalization, process automation, and the improvement of educational outcomes have been presented. The practical significance of the article. The research results can be used to develop strategic approaches for the implementation of artificial intelligence in Ukrainian higher education institutions. The proposed recommendations will enable educators to effectively integrate innovative technologies to enhance the quality of education and improve student learning outcomes through personalized learning and the automation of routine tasks.

The main focus is on studying the prospects and possibilities of using artificial intelligence technology systems in detecting, investigating and preventing crimes. Ensuring the use of artificial intelligence technologies in law enforcement activities should become an urgent task of forensic science. The use of artificial intelligence technologies to predict crimes or illegal behavior of certain individuals, detect a possible criminal, as well as the use of these technologies for forensic purposes are considered promising areas of research. The article reflects the idea that it is impossible to ensure a positive result from the use of digital technologies in forensic activities only through the formulation of theoretical provisions and scientific discussions, despite the lack of large-scale and significant results of applied research in this area. Promising use of artificial intelligence and digital technologies in forensic and law enforcement practice will achieve higher results.

In recent decades, technological progress has contributed to a consistent change in approaches to organizing the provision of medical care in various regions of the world. Electronic data-gathering systems make it possible to create extensive information databases about the health status of the population of certain territories or entire states. The introduction of technological solutions based on the use of artificial intelligence (AI) technologies makes it possible to provide a systematic analysis of large volumes of information, as well as to develop new treatment methods of life-threatening diseases. The use of AI technologies not only has significant potential for improving the organization of medical care, but also brings essential risks of human rights restriction, it may also form discriminatory practices or even cause harm to health. The authors demonstrate the importance of AI technologies in improving separate stages of medical care and the circulation of healthcare technologies, and also present various approaches to defining the notion of “artificial intelligence”, that is a crucial element in specifying the object of legal regulation. The article systematizes the list of threats and challenges to human security associated with the use of AI technologies. The development of legal regulation of this sphere at the national (United States of America) and supranational (European Union) levels is analyzed, and also the main directions of development of this field in the Russian Federation are presented.

The article discusses the essence and features of modern Internet marketing based on the use of artificial intelligence (AI) technologies. The article examines how AI can help online marketers collect and analyze consumer data, segment and personalize audiences, create and distribute effective content, optimize and automate advertising campaigns, and measure and improve marketing results. The article also analyzes the latest trends in the use of AI technologies by Ukrainian and foreign companies and identifies their advantages.The investigation identified effective AI tools in online marketing, such as chatbots, recommender systems, text generators, sentiment analysers, face and speech recognition systems, etc. The article presents a comparison of AI tools in online marketing of Ukrainian and foreign companies. Foreign companies use modern products that have no analogues in Ukraine. This is due to the popularity of the trend of using AI technologies in foreign companies. In Ukraine, this trend is developing and we can see it in the use of chatbots and CRM systems. They have been implemented by such companies as PrivatBank and Promodo. Despite this, the development of foreign companies is progressive. Previously, only large corporations could afford to use AI technologies, but now young startups are catching up with the trend. AI combined with human capabilities can actually turn business into a universal tool for profit. However, this path is not without obstacles, so the article highlights the challenges of AI that may affect the economic, legal, ethical, and social spheres of life. Scenarios for preventing possible problems allow for the effective use of AI's potential. The article suggests measures that should help society adapt to changes in the socio-economic environment associated with the displacement of humans by AI. It is important to understand the advantages and disadvantages of modern online marketing tools to ensure effective solutions to business problems.

Digitalization of the petrochemical complex is focused on the use and creation of end-to-end technologies, such as distributed ledger systems, advanced manufacturing technologies, industrial Internet, Internet of Things, and big data. These technologies are now sufficiently advanced to integrate with the main production processes of petrochemical enterprises for the digital transformation of operations and the provision of "smart" supply chains, as well as the development and implementation of new business models. Smart manufacturing is a new paradigm that provides speed and flexibility through the introduction of digital innovations that create a circular economy model, facilitating the use of solutions such as digital platforms, smart devices, and artificial intelligence that contribute to resource optimization. The article deals with the issues of personnel support for petrochemical enterprises that contribute to improving production efficiency in the digital economy. Integrating human resource management into the strategic planning process allows you to create and develop the necessary skills and competencies to achieve effective results, opportunities and competitive advantages. The introduction of more efficient and faster production systems and innovative technologies allows you to reduce production processes, accelerate the entry of new products and services to the market, as well as the associated delivery times, reduce production stages and increase the ability to differentiate products.

Digital transformation has emerged as a central driver of change in modern business. It leverages emerging technologies like big data, artificial intelligence (AI), automation, and blockchain to fundamentally alter business models, especially in the realm of electronic commerce. These technologies enable businesses to enhance efficiency, reduce operational costs, and provide more personalized services to consumers, creating new avenues for competitive advantage. Platforms that connect suppliers with consumers, data analytics, and automation are reshaping traditional business practices, making it necessary for companies to adapt to the evolving digital landscape. In this context, digital business models have introduced new challenges and opportunities. Traditional business models, often based on resource ownership and control of production processes, are being replaced by platform-based models. These models connect users, products, and services without the need for businesses to own physical assets. The advent of digital platforms has facilitated rapid access to markets, lowered barriers for entry, and led to the development of new business strategies. Platform-based business models are particularly effective in electronic commerce, where they offer direct interaction between suppliers and consumers, streamlining transactions and minimizing logistical challenges. Additionally, platforms utilize network effects, where the value of the service increases with the number of users, further accelerating growth. The rise of platforms such as Amazon, Uber, and Airbnb exemplifies how businesses can succeed without extensive infrastructure investments. However, the transition to digital business models also brings challenges. Companies must navigate the complexities of data security, ethics, and privacy concerns, as the digital economy generates vast amounts of data. Furthermore, businesses must adapt organizationally to new digital tools, requiring significant investments in technology, training, and restructuring. Digital transformation is reshaping the market structure by promoting the emergence of new business models that emphasize collaboration, flexibility, and data-driven decision-making. With the continued advancement of technologies like AI, blockchain, and automation, businesses must remain agile, focusing on adopting these tools to enhance their competitiveness and ensure long-term sustainability in the digital economy. The future of business in the digital age will depend on how well companies can leverage these innovations to meet evolving consumer needs and adapt to a rapidly changing market environment.

The digital transformation of healthcare is revolutionizing the management of medical institutions, improving operational efficiency, patient outcomes, and data security. With the increasing complexity of healthcare systems, the integration of cutting-edge technologies such as Artificial Intelligence. The COVID-19 pandemic significantly accelerated digital transformation, compelling healthcare institutions to adopt telemedicine, AI-assisted diagnostics, and cloud-based medical records to meet growing patient demands and resource constraints. The rapid digital transformation of healthcare is driven by advancements in Artificial Intelligence (AI), blockchain, the Internet of Things (IoT), and Big Data. This review article aims to analyze the objectives and implications of digital transformation in medical institutions, focusing on the integration of AI, blockchain, and IoT in hospital management. The methodological approach for this review article focuses on synthesizing existing literature to examine the role of Artificial Intelligence (AI), blockchain, the Internet of Things (IoT), and Big Data in the digital transformation of healthcare management. The integration of Artificial Intelligence (AI), Blockchain, Internet of Things (IoT), and Big Data has demonstrated significant improvements in healthcare management, enhancing efficiency, patient outcomes, and data security.

Orientation: Organisations are undergoing digital transformation and incorporating artificial intelligence (AI) into business processes and functions. The use of AI technologies, instead of people to perform specific low-level repetitive tasks has become common practice.Research purpose: The research aimed to investigate the impact of AI technologies on the South African workforce, specifically from the perspective of senior human resource (HR) managers.Motivation for the study: The adoption and implementation of AI, robotic process automation (RPA) and large language models, such as ChatGPT in a business, change the way personnel perform specific tasks, interact and participate in business processes.Research approach/design and method: The study used a qualitative research design and a deductive approach. A survey with open-ended questions was conducted among senior HR managers working for leading manufacturing organisations and institutions in South Africa. Content analysis was used to analyse the responses.Main findings: Human resource managers emphasised the importance of AI and RPA in remaining globally competitive and streamlining business and HR processes, highlighting the need to empower the workforce, identify ideal employee traits for AI and RPA integration and effectively manage these technologies within organisations.Practical/managerial implications: The senior HR managers offered advice on how to manage the use of AI and RPA technologies in an organisation.Contribution/value-add: The study highlights senior HR managers’ perceptions of the use and impact of AI and RPA in organisations in South Africa

The current increase in the number of publications on the use of artificial intelligence (AI) technologies in neurosurgery indicates a new trend in clinical neuroscience.The aim of the study was to conduct a systematic literature review to highlight the main directions and trends in the use of AI in neurosurgery.Methods.Using the PubMed search engine, 327 original journal articles published from 1996 to July 2019 and related to the use of AI technologies in neurosurgery, were selected. The typical issues addressed by using AI were identified for each area of neurosurgery.Results.The typical AI applications within each of the five main areas of neurosurgery (neuro-oncology, functional, vascular, spinal neurosurgery, and traumatic brain injury) were defined.Conclusion.The article highlights the main areas and trends in the up-to-date AI research in neurosurgery, which might be helpful in planning new scientific projects.

Digitalization penetrates all areas of economic activity, including the banking industry. Therefore, the purpose of the article is to analyze the transformation of banking services in the digital era based on an integrated approach. In the course of conducting scientific research, the authors used a set of scientific methods of cognition: the method of system analysis; the bibliographical method; the method of extrapolation and forecasting, which made it possible to identify patterns and trends in the development of digital transformation in banking. The digital transformation of banking leads to the introduction of innovative technologies to protect personal data, transaction data, the array of collected data, convenience and ease of use of mobile banking applications, speed of payments, etc. Such innovative technologies in the banking and financial sector are: mobile banking, AI, Blockchain, Machine Learning, Internet of Things, Big Data and open banking, etc. Each of the above areas of technological change contains the following characteristics: mobile banking – for digital interaction of banks with their clients; financial consultants based on artificial intelligence – to help in using the main functions of banking services, making informed management decisions; Blockchain – to reduce banking costs, the number of employees and increase the security of transactions; Machine Learning – to obtain a positive customer experience; Internet of Things – to integrate disparate types of equipment, devices for data exchange; Big Data – for collecting, processing, analyzing large data sets and making forecasts based on them and Open Banking – for the free exchange of financial data between different financial providers. The digital technology market is dominated by companies from the USA (Oracle, Microsoft, IBM, Amazon, etc.), as well as the UK and the EU. Forecasts of well-known consulting companies indicate the growth of digital technologies and the gradual transition to a virtual environment, where there is no need for the physical presence of the client in a bank. Keywords: digital transformation, banking structures, banking services, digital technologies, artificial intelligence, mobile banking, Blockchain technologies, Internet of Things, machine learning, big data, open banking.

Purpose This paper aims to fill important research gaps by understanding how companies implement digital transformation (DT), what technologies are being applied, what practices are being used in the DT process and how they can add value to companies. Design/methodology/approach The research method utilized is a multiple-case study conducted with companies from the retail segment. This approach allows for an in-depth analysis of these companies’ strategies, technologies and practices in their DT processes. Findings The results indicate that the strategies and practices applied by the companies highlight the evolving nature of organizational functions. The standard digital technologies used by the three companies are digital platforms, mobile devices and communication tools. Only companies A and C stand out for using big data analytics, the Internet of things (IoT) and artificial intelligence (AI). Interviews revealed that companies are following the DT offensive but are also working internally to accelerate the DT journey, startup acquisition, new positions, innovation lab creation and agile concepts. Originality/value By addressing the research questions, we can systematically identify and categorize key strategies, practices, challenges and outcomes associated with DT in the retail sector. This can lead to developing a comprehensive framework that guides retail companies in implementing effective DT initiatives.

Subject. Digital transformation of the agro-industrial complex necessitates the use of artificial intelligence technologies and big data analysis as key factors in increasing the efficiency of agricultural production. Objectives. The article aims at the analysis of international and Russian experience in the implementation of artificial intelligence technologies. Methods. The study rests on the analysis of scientific publications, method of comparative analysis, the systems approach, which enables objective examination of the impact of artificial intelligence and big data on agriculture. Results. We assessed the level of digitalization of agriculture in Russia and in the leading agricultural countries, identified key differences and factors influencing the pace of technology adoption. This helped reveal best practices and consider their potential for adaptation in domestic conditions. Furthermore, we examined interrelationships between various elements of digital transformation, defined existing barriers and possible ways to overcome them. The results obtained are of practical importance for the agro-industrial complex of the Republic of Tatarstan, as they contribute to strategies formation for digital transformation of the industry. Conclusions. The integration of AI technologies and big data analysis methods will increase agricultural productivity, reduce costs, and improve the management system of agricultural enterprises. The study enables to identify key barriers to the introduction of these technologies and offer recommendations to overcome them. The latter is especially important for small and medium-sized agricultural enterprises in the region.

Aim. The work aimed to study the consequences of implementing products using artificial intelligence technologies in economic security systems.Objectives. The work seeks to analyze the development directions and results of artificial intelligence technologies; to assess the capabilities (beneficial effects) of these technologies in economic security systems of organizations; to identify specific threats to economic security, associated with the use of artificial intelligence technologies in organizations; to develop recommendations for mitigating these threats.Methods. The study employed comparative and retrospective analysis, economic-statistical and index methods, as well as special methods for studying economic security, expert-analytical and system approaches.Results. It has been established that the use of artificial intelligence in economic security systems can produce a significant beneficial effect. The advantages of its use in the field under consideration are associated with the fact that in formal analysis (from the standpoint of its rate, accuracy, consistency and taking into account the maximum possible number of factors), the artificial intelligence products surpass human capabilities. This results in a gradual replacement (moreover in the future) of human intelligence with artificial intelligence in the field under consideration, at least in cases of tasks that do not require non-standard, creative solutions, based sometimes on the paradoxical nature of human thinking. At the same time, such a development of events gives rise to a number of specific threats to economic security, namely “engagement” of many products using AI technologies; the possibility of manipulating information; loss of critical thinking skills by officials; the growing importance of cyberattacks.Conclusions. The development of digital technologies, including artificial intelligence technologies, has an ambiguous impact on economic security at all levels of the economic system. Overcoming the problems identified in the study requires activities in a number of fields, namely the formation of national products using artificial intelligence technologies, within the implementation of state policy to achieve technological sovereignty; strengthening the information component of systemic measures to ensure economic security; revision of approaches to the formation of competencies of specialists in the field of economic security, who use (or can potentially use) artificial intelligence products in their activities.