INFORMATION TECHNOLOGIES AND DIGITAL TRANSFORMATION IN INSURANCE SERVICES

Digital transformation and the integration of information technologies (IT) have become key drivers of efficiency, innovation, and competitiveness in the global insurance sector. In Uzbekistan, the adoption of IT solutions in insurance services is gradually increasing, enhancing operational efficiency, customer satisfaction, and risk management. This study examines the role of information technologies in the modernization of insurance services, evaluates digital transformation processes, and identifies challenges to effective implementation. Using a combination of regulatory analysis, case studies, and international comparisons, the research highlights innovations such as online policy issuance, automated claims processing, big data analytics, artificial intelligence, blockchain systems, and mobile platforms. Findings indicate that IT integration improves service quality, reduces operational costs, accelerates decision-making, and strengthens risk control. However, challenges including limited IT infrastructure, cybersecurity risks, and regulatory adaptation persist. The study concludes that Uzbekistan’s insurance sector can benefit from comprehensive IT strategies, digital literacy programs, and enhanced regulatory support to fully realize the potential of digital transformation.