Digital Revolution in the Insurance Industry: An AI and Big Data-Driven Future

GTech Partner and CTO Özgür Sarıgül evaluated the impact of rapidly evolving technology and the artificial intelligence (AI) revolution on the insurance sector, highlighting the role of AI, machine learning, big data analytics, and automation technologies in driving transformation.

Sarıgül stated:

“The insurance sector is one of the industries that feels the effects of digital transformation the fastest and deepest. AI, machine learning, big data analytics, and automation technologies are fundamentally reshaping core business processes. From risk assessment to customer experience, from policy pricing to claims management, digital solutions are now at the heart of operations.

AI-powered risk analysis and dynamic pricing models make it possible to process customer data in real time and offer personalized, competitive premiums. Unlike traditional methods that rely on fixed criteria, smart algorithms that assess customer behavior, past claims records, and external factors together enable companies to make more accurate and profitable decisions.

Moreover, big data analytics allows for much faster detection of suspicious activities and fraud attempts, resulting in both cost advantages and reduced reputational risks. These technologies not only enhance operational efficiency but also necessitate innovation and dynamism at a strategic scale. Thanks to machine learning and advanced analytics solutions, insurance companies can combine historical data, customer behavior, and environmental factors to predict claims and risks more accurately, paving the way for faster and more effective decisions that increase customer satisfaction.”

How does technology impact B2B communication between insurance companies and their assistance partners?

“Insurance companies must closely follow technological innovations when collaborating with their assistance sector partners. Assistance services, which intervene at critical moments when the insured needs urgent support, represent one of the most important touchpoints between the brand and the customer. Therefore, the quality and efficiency of B2B integrations are critically important.

Automation and AI-supported technologies speed up data flow between assistance companies and insurance firms, minimizing errors. For example, when a customer reports an accident, AI algorithms can instantly integrate with assistance companies’ systems and organize the right service within seconds, without the need for manual processes or phone traffic. As a result, services such as towing, ambulance dispatch, or other emergency assistance can be provided immediately.

Big data analytics further improves these processes by offering deep insights into the source, time, and type of service requests, enabling continuous optimization of operations for both insurance and assistance companies. Thanks to API-based integration solutions, data flow is accelerated, and operational efficiency significantly improves.”

GTech produces important technological solutions for the insurance ecosystem. What are your innovative technological services and solutions for the insurance and service provider ecosystem?

“At GTech, we combine our 25+ years of experience with an innovative vision to deliver data-driven, advanced analytics, and AI-based solutions to the insurance and assistance ecosystem. With our industry-specific products, we not only shorten what traditionally seemed like long and costly data warehouse projects but also strengthen companies’ strategic decision-making processes for the future.

Today, going beyond retrospective reporting and generating concrete future insights has become crucial. At GTech, we develop AI and advanced analytics models that move beyond backward-looking analyses to clarify future roadmaps. This enables our clients to not only examine past data in detail but also anticipate future risks and opportunities, allowing them to take proactive steps.

With our modern infrastructure and expertise, we support a wide range of needs — from real-time tracking of critical metrics like outstanding claims and earned premiums to developing more complex predictive models by integrating various data sources. Our scenario analyses, built using machine learning techniques, allow companies to test different future possibilities and base strategic decisions on solid foundations.

In our projects, we establish an analytical infrastructure that overcomes performance issues and generates value-added insights while embedding a data-driven management culture into companies. This enables executives not only to interpret past performance correctly but also to quickly plan future actions. As a result, a business model that increases competitiveness, anticipates risks, and captures opportunities early is implemented.

Ultimately, GTech’s innovative perspective and deep industry expertise provide companies with the ability to not only analyze the past but also predict the future and gain strategic advantages. By combining our data-driven value creation approach with advanced analytics and AI-based insights, we continue to play an active role in transforming the insurance and assistance sectors.”

– Originally published in Sigorta Partner on March 21, 2025.