دور الابتكار في تطوير منتجات التأمين في ظل التحول الرقمي

Abstract

This thesis aims to study the role of innovation in the development of insurance products in the context of digital transformation, through a case study of Alliance Insurance Company. The study also seeks to highlight how insurance companies can benefit from InsurTech technology and modern technologies (artificial intelligence, big data analytics, and cloud computing) to design and develop innovative insurance products that meet changing customer needs and enhance competitiveness. The study relied on the descriptive-analytical method, using primary data represented by a set of inter-views as the main means of information gathering, as well as secondary sources, with a focus on the experience of Alliance Insurance Company as a case study. The results found that digital innovation plays a crucial role in improving operational efficiency, reducing costs, and developing flexible and customized products, despite some regulatory and hu-man challenges. The memorandum also provides practical recommendations to enhance digital trans-formation in the Algerian insurance sector.