THE IMPACT OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES ON THE PROCESSES OF DIGITAL TRANSFORMATION IN THE INSURANCE INDUSTRY

THE IMPACT OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES ON THE PROCESSES OF DIGITAL TRANSFORMATION IN THE INSURANCE INDUSTRY

Authors

  • D.D.Omonova

DOI:

https://doi.org/10.5281/zenodo.17630416

Keywords:

artificial intelligence, insurance, digital transformation, automation, data security.

Abstract

This paper analyzes the impact of artificial intelligence (AI) on the digital transformation of the insurance sector.
AI improves efficiency, enhances risk assessment, and personalizes customer services. However, ethical issues, data
security, and regulatory challenges must be addressed

Author Biography

D.D.Omonova




Tashkent International University

References

1. Khalisa, Arvidhia (2024). The Digitalization in Insurance Broker Industry: How Artificial Intelligence Affect This

Industry. https://core.ac.uk/download/596252125.pdf

2. Hernady, Joddy, Narimawati, Umi, Syafei, M. Yani (2025). Digitalization of Insurance Business Processes on Life

Insurance Sales Productivity. https://core.ac.uk/download/660478183.pdf

3. G.Anjappa, Dr.M.Prathapan (2025). Impact of Technological Advancements on Life Insurance Policyholder Experience

in Kancheepuram District. https://core.ac.uk/download/640070937.pdf

4. Crozier, David, Donaldson, Sam (2025). Artificial Intelligence Capability Census:A baseline study of AI adoption,

opportunity and impact in Northern Ireland (August 2025). https://core.ac.uk/download/672811567.pdf

5. Kaznowska, Oliwia Anna (2023). Impact analysis of new technologies on business model in insurance industry -

artificial intelligence. https://core.ac.uk/download/621578484.pdf

6. FIGURA, Marcel, IMPPOLA, Jorma, JURACKA, Denis (2025). From Idea to Impact: The Role of Artificial Intelligence

in the Transformation of Business Models. https://core.ac.uk/download/669010897.pdf

7. Kurczewski, Wiktor Aleksander (2023). Impact analysis of new technologies on business model in insurance industry

- smart devices. https://core.ac.uk/download/621578487.pdf

8. Ali, A., Ali, A., Dadwal, S., Dadwal, et al. (2023). Investigating the Factors, Challenges, and Role of Stakeholders

in Implementing Industry 5.0 and Its Impact on Supply Chain Operations: A Study of the Global Agri-Food Supply

Chain. https://core.ac.uk/download/568109606.pdf

9. AYODEJI, IBUKUNOLUWA ADETOLA (2024). Fraud Detection and Prevention in the Nigerian Financial Industry. https://

core.ac.uk/download/639356011.pdf

10. Sreenivasarao Amirineni (2024). Leveraging Machine Learning, Cloud Computing, and Artificial Intelligence for

Fraud Detection and Prevention in Insurance: A Scalable Approach to Data-Driven Insights. https://core.ac.uk/

download/636456587.pdf

11. Inter-American Development Bank (2025). The Robotics Revolution: Technology, Trends, and Impact in 2024. https://

core.ac.uk/download/671663594.pdf

12. Fedotova, Kseniia (2024). Digitalization and Operational Efficiency in the Banking Sector: A Study of Banks in

Finland. https://core.ac.uk/download/638723106.pdf

13. Haili, Li, Kostka, Genia (2024). Navigating the Digital Age: The gray digital divide and digital inclusion in China. https://

core.ac.uk/download/621473281.pdf

14. TABLE Trading Option Portfolios Using Expected Profit and Expected Loss Metrics (2025). Trading Option Portfolios

Using Expected Profit and Expected Loss Metrics. **. Retrieved from https://www.mdpi.com/2227-9091/12/8/129 *Note.*

Adapted from Trading Option Portfolios Using Expected Profit and Expected Loss Metrics, by Trading Option Portfolios

Using Expected Profit and Expected Loss Metrics, 2025. Retrieved from https://www.mdpi.com/2227-9091/12/8/129.

Trading Option Portfolios Using Expected Profit and Expected Loss Metrics (2025). Trading Option Portfolios Using

Expected Profit and Expected Loss Metrics. **. Retrieved from https://www.mdpi.com/2227-9091/12/8/129 *Note.*

Adapted from Trading Option Portfolios Using Expected Profit and Expected Loss Metrics, by Trading Option Portfolios

Using Expected Profit and Expected Loss Metrics, 2025. Retrieved from https://www.mdpi.com/2227-9091/12/8/129.

15. TABLE Adrienne A. Harris (2024). DFS Superintendent Harris Adopts Insurance Guidance to Combat Discrimination

in Artificial Intelligence. *New York Department of Financial Services*. Retrieved from https://www.dfs.ny.gov/reports_

and_publications/press_releases/pr20240711241 *Note.* Adapted from DFS Superintendent Harris Adopts Insurance

Guidance to Combat Discrimination in Artificial Intelligence, by Adrienne A. Harris, 2024, New York Department of

Financial Services. Retrieved from https://www.dfs.ny.gov/reports_and_publications/press_releases/pr20240711241.

Martin Eling (2019). How insurance can mitigate AI risks. *The Brookings Institution*. Retrieved from https://www.

brookings.edu/articles/how-insurance-can-mitigate-ai-risks/ *Note.* Adapted from How insurance can mitigate AI risks,

by Martin Eling, 2019, The Brookings Institution. Retrieved from https://www.brookings.edu/articles/how-insurancecan-

mitigate-ai-risks/. U.S. Department of the Treasury (2025). U.S. Department of the Treasury. *U.S. Department

of the Treasury*. Retrieved from https://home.treasury.gov/news/press-releases/jy2607 *Note.* Adapted from U.S.

Department of the Treasury, by U.S. Department of the Treasury, 2025, U.S. Department of the Treasury. Retrieved

from https://home.treasury.gov/news/press-releases/jy2607. . . **. Retrieved from https://oci.wi.gov/Pages/Regulation/

Bulletin20250318AI.aspx *Note.* , 2025. Retrieved from https://oci.wi.gov/Pages/Regulation/Bulletin20250318AI.

aspx.

16. TABLE . . *U.S. Department of the Treasury*. Retrieved from https://home.treasury.gov/news/press-releases/jy2607

*Note.* , 2025, U.S. Department of the Treasury. Retrieved from https://home.treasury.gov/news/press-releases/

jy2607.

17. Framework for Digital Transformation in Organizations [FIGURE]. (2025). Retrieved from https://www.mdpi.com/

information/information-13-00253/article_deploy/html/images/information-13-00253-g001.png

18. Overview of Innovative Insurance Concepts and Practices [FIGURE]. (2025). Retrieved from https://www.iot-now.com/

wp-content/uploads/2024/08/Picture1-1.png

19. Key Benefits of Digital Transformation [FIGURE]. (2025). Retrieved from https://global.hitachi-solutions.com/

wp-content/uploads/2022/01/image-20.png

20. Impact of Generative AI on the Insurance Sector [FIGURE]. (2025). Retrieved from https://www.swissre.com/dam/

jcr:810d231b-aa9a-4af0-b9c5-943ee3ef4123/2024-05-generativeAI-impact-on-insurance.png?20240502085715AM

Downloads

Published

2025-11-01

How to Cite

D.D.Omonova. (2025). THE IMPACT OF ARTIFICIAL INTELLIGENCE TECHNOLOGIES ON THE PROCESSES OF DIGITAL TRANSFORMATION IN THE INSURANCE INDUSTRY. GREEN ECONOMY AND DEVELOPMENT, 3(11). https://doi.org/10.5281/zenodo.17630416
Loading...