International Journal on Science and Technology

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Implementing Continuous Monitoring of IoT Data Streams into Legacy Database Analytics for Dynamic Underwriting

Author(s) Pavan Kumar Veerapally
Country United States
Abstract The proliferation of the Internet of Things (IoT) has catalyzed a fundamental transformation in data generation across the financial services landscape, yet the insurance industry remains largely tethered to legacy database architectures that favor batch processing over real-time agility. This paper addresses the critical systemic gap between high-velocity IoT data streams and the static nature of traditional risk assessment frameworks. We propose a novel hybrid integration framework designed to ingest continuous streams from telematics and sensor-based ecosystems directly into legacy analytical environments. By establishing a specialized middleware layer for data normalization and schema compatibility, the framework enables a transition from periodic, historical risk evaluation to dynamic underwriting. The study delineates a methodology for stream processing that respects the structural rigidities of incumbent relational databases while leveraging machine learning techniques for feature extraction. Our findings demonstrate that integrating real-time telemetry not only enhances the granularity of risk intelligence but also optimizes operational responsiveness in policy pricing and fraud detection. This research provides a technical roadmap for institutional digital transformation, proving that legacy infrastructure can be effectively augmented to support the next generation of predictive financial analytics without requiring immediate, wholesale system replacement.
Keywords IoT, Continuous Monitoring, Legacy Systems, Dynamic Underwriting, Data Streams, Insurance Analytics, Machine Learning, Predictive Risk Modeling, Stream-to-Legacy Integration, Architectural Middleware.
Field Engineering
Published In Volume 11, Issue 1, January-March 2020
Published On 2020-01-09
DOI https://doi.org/10.71097/IJSAT.v11.i1.11599
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Crossref DOI prefix of IJSAT is 10.71097/IJSAT

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