DIGITAL REVOLUTION IN THE INSURANCE SECTOR: INTEGRATION OF ARTIFICIAL INTELLIGENCE IN UZBEKISTAN AND STRATEGIC ACHIEVEMENTS AND RISKS IN GLOBAL MARKETS

Abstract

This article analyzes the current state of digital transformation in Uzbekistan's insurance market, the economic efficiency of integrating artificial intelligence (AI), and its impact on global market strategic competition. The study is based on a mixed methodological approach, including national and international experiences, company examples, and expert opinions. The results show that the gradual implementation of AI technologies improves service quality, reduces fraud cases, and optimizes costs. However, AI can exacerbate issues such as digital inequality, data security, and labor market challenges. The study offers practical recommendations for transforming Uzbekistan's insurance system based on AI and can serve as a foundation for developing digital strategies.