The Impact of Emerging Technology on Insurance Companies in Saudi Arabia
Roaa Badkook · Heba Gazzaz
International Journal of Finance & Banking Studies · 2025 · Vol. 14 / Issue 3 · 09-19
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Abstract
There is a limited understanding of the emerging technologies, such as blockchain, artificial intelligence (AI), Internet of Things (IoT), and machine learning (ML) and their effect on the insurance sector in the Saudi Arabian market. A structural equational modelling was implemented to investigate the impact of emerging technology on customer experience, business productivity, risk management, and financial performance in Saudi insurance companies. Online surveys were directed to the insurance sector to explore their perceptions of the use of technology and its effect in 2024. The sample includes 102 valid responses in the data analysis. The findings show that the development and integration of technology in the Saudi Arabian insurance sector significantly improve customer experience, business productivity, risk management, and financial performance, which aligns with accelerated transformation in the market to achieve the main goals of the Saudi Vision 2030.
Keywords: {'name': 'Insurtech, SEM, Digital Transformation, TAM.'}
Authors & affiliations
Roaa Badkook
Affiliation not supplied
Heba Gazzaz
Affiliation not supplied
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