Insurance Digital Transformation and AI Fraud Detection: Key Insights from insurance events

In late 2025, two major regional insurance events brought together insurers, regulators, and technology leaders to address the most pressing challenges facing the industry: insurance digital transformation, AI-driven fraud detection, and advanced insurance analytics.

The 9th Serbian Insurance Days in Zlatibor and the insurance conference “Who Will Insure Whom?” in Bled, Slovenia, both focused on how insurance organisations can remain resilient, compliant, and competitive in an environment shaped by increasing risk complexity, regulatory pressure, and rapid technological change.

Salviol Global Analytics participated in both events and actively contributed to the professional dialogue on the strategic role of artificial intelligence and analytics in insurance.

Robert Jančigaj (Salviol Global Analytics) delivered a presentation on AI in insurance fraud processes at The 9th Serbian Insurance Days in Zlatibor.

Shared Strategic Priorities Across the Insurance Industry

Despite different regional contexts, both conferences highlighted the same strategic priorities facing insurers today:

• managing increasingly complex insurance risks,

• responding to climate-driven loss patterns,

• complying with evolving regulatory frameworks, and

• accelerating insurance digital transformation through technology.
  

At the 9th Serbian Insurance Days (25–28 November 2025), organised by the Association of Serbian Insurers, discussions focused on market stability, responsible risk management, and the growing importance of data-driven insurance decision-making. The conference was officially opened by Dr Željko Jović, Vice Governor of the National Bank of Serbia, who emphasised the role of insurance in protecting economic resilience and public trust.

In Bled, the conference “Who Will Insure Whom?”, organised by the Association of Insurance and Reinsurance Brokers of Slovenia, explored similar challenges through the lens of artificial intelligence, future insurance business models, and digital responsibility. As the main sponsor, Salviol Global Analytics supported a programme that encouraged open discussion on how AI is reshaping insurance processes, governance, and accountability.

Insurance Analytics and Market Trends Shaping the Future

Across both events, several recurring topics emerged as critical for the future of the insurance industry:

• trends in property and non-life insurance,

• global reinsurance market dynamics and capacity optimisation,

• the impact of climate change on underwriting and claims management,

• regulatory requirements such as Solvency II and IFRS 17,

• insurance analytics, data governance, and reporting,

• organisational transformation and evolving HR and skills requirements.

A consistent conclusion emerged: modern insurers must rely on advanced insurance analytics platforms and integrated data environments to improve efficiency, risk visibility, and regulatory compliance.

AI Fraud Detection in Insurance: From Reactive to Proactive

Artificial intelligence in insurance fraud detection was a central theme at both conferences.

Robert Jančigaj (Salviol Global Analytics) delivered a presentation on AI in insurance fraud processes. The session demonstrated how insurers can transition from reactive fraud investigation to proactive fraud detection and prevention using AI-powered analytics, automation, and structured case management.

Key focus areas included:

• reducing false positives in fraud detection,

• accelerating investigation and decision-making cycles,

• improving case prioritisation and risk scoring,

• optimising the use of expert and investigative resources.
  

These discussions closely aligned with the themes in Bled, where AI was addressed not only as a technological capability, but as a strategic enabler of trust, transparency, and sustainable insurance operations.

Accelerating Insurance Digital Transformation with RAALS

At Salviol Global Analytics, we support insurers in accelerating their insurance digital transformation through RAALS, our advanced analytics and investigation platform designed for AI fraud detection insurance, case management, and risk intelligence.

RAALS enables insurance organisations to:

• detect and prevent fraud using AI-driven insurance analytics,

• unify claims, investigations, and evidence in a single platform,

• automate workflows while maintaining expert oversight,

• improve operational efficiency, transparency, and regulatory readiness.

Discover how RAALS helps insurers move from reactive fraud response to proactive fraud prevention.

👉 Explore RAALS and AI-powered insurance analytics