EFFICIENCY OF IMPLEMENTING DIGITAL TECHNOLOGIES IN INSURANCE COMPANIES

The implementation of digital technologies is transforming the insurance sector globally by enhancing operational efficiency, reducing costs, and improving customer experience. In Uzbekistan, insurance companies are increasingly adopting digital solutions such as online policy issuance, mobile applications, automated claims processing, and data analytics. This study evaluates the effectiveness of digital technology implementation in Uzbek insurance companies, examining improvements in efficiency, customer satisfaction, and market competitiveness. Using case studies, comparative analysis, and regulatory review, the research identifies key success factors, challenges, and best practices. Findings indicate that digitalization reduces operational costs, accelerates service delivery, improves risk management, and strengthens customer engagement. The study concludes that comprehensive digital strategies, workforce training, and regulatory support are essential to maximize the benefits of digital technology adoption in the insurance sector.