DIGITAL TRANSFORMATION AND METHODOLOGICAL IMPROVEMENT OF BUSINESS PROCESSES IN INSURANCE SERVICES

Abstract

Abstract. The rapid development of digital technologies has significantly transformed the insurance industry, creating new opportunities for improving operational efficiency and service quality. This study examines the role of digital transformation in enhancing business processes within insurance services and analyzes methodological approaches to optimizing insurance operations. The research explores the application of Business Process Management (BPM), Business Process Reengineering (BPR), artificial intelligence, big data analytics, blockchain technology, and cloud computing in insurance organizations. The findings indicate that digital transformation contributes to reducing operational costs, increasing customer satisfaction, improving risk assessment accuracy, and strengthening the competitiveness of insurance companies. Furthermore, the study proposes methodological recommendations for the continuous improvement of insurance business processes in the context of digital transformation.