THE IMPACT OF DIGITALIZATION ON GENERAL INSURANCE UNDERWRITING
DOI:
https://doi.org/10.5281/zenodo.23499103Abstract
This research examines the transformative role of digitalization in general insurance underwriting. By analyzing the adoption of automated risk assessment models, big data analytics, AI, and telematics, the study evaluates how technology enhances underwriting speed, risk selection precision, and fraud detection. The findings indicate that digital tools can reduce processing costs and enable personalized, dynamic pricing, while highlighting opportunities to further strengthen data privacy and modernize legacy systems.Keywords
digitalization, general insurance, underwriting, risk assessment, artificial intelligence, big data analytics, InsurtechReferences
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