Digitalization is transforming the insurance industry by improving service efficiency, enhancing customer experience, and reducing operational costs. In Uzbekistan, insurance companies are increasingly adopting digital mechanisms such as online policy issuance, automated claims processing, mobile applications, digital payments, and data analytics. This study explores modern mechanisms for digitalizing insurance services, evaluates their effectiveness, and identifies challenges and opportunities for implementation. Using case studies, regulatory analysis, and international best practices, the research finds that digitalization enhances operational efficiency, accelerates service delivery, and improves customer satisfaction. Challenges include limited IT infrastructure, digital literacy gaps, and cybersecurity concerns. The study concludes that comprehensive digital strategies, workforce training, and regulatory support are essential for maximizing the benefits of digitalization in the insurance sector.
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Anvarovich et al. (2026) studied this question.
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