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Navigating digital transformation in the GCC insurance sector

Navigating digital transformation in the GCC insurance sector

October 28, 2025

Digital Insurance Trends 2025 – GCC Edition

The insurance industry within the Gulf Cooperation Council (GCC) region is currently facing an unprecedented digital transformation. With rapid disruption, heightened client and boardroom expectations, and increasing pressure for cost efficiency, insurers are at a pivotal moment. As well as implementing swift technology upgrades, they must also adapt to evolving regulatory requirements while seizing opportunities in areas such as sovereign cloud technology, insurtech ecosystems and artificial intelligence (AI).

To stay competitive in a dynamic environment, insurers need strong digital agendas and execution roadmaps that enable them to adapt, innovate, and deliver value to customers.
To stay competitive in a dynamic environment, insurers need strong digital agendas and execution roadmaps that enable them to adapt, innovate, and deliver value to customers.
"The GCC insurance market stands at a crossroad - those who modernize, innovate, and consolidate will emerge as the regional champions."
Nizar Hneini
Senior Partner, Managing Director Middle East
Doha Office, Middle East

Our Digital 3.0 – Insurance Trends 2025: GCC Edition study explores the latest digital insurance market trends in the GCC, providing exclusive insights into how insurers are recalibrating their technology roadmaps to meet rising customer and shareholder expectations. From core insurance system replacements, new digital service offerings, regulatory impacts, AI, insurtech, and digital M&A, to talent management for digital insurance tech experts, this report highlights the strategies required to win digital market share and align with national visions for long-term prosperity.

Based on interviews with our clients and industry leaders across Riyadh, Abu Dhabi, Dubai, and Doha, the study identifies six strategic development clusters that are shaping the future of digital insurance in the GCC region.

Key insights

  • Top technology priorities: Discover the most pressing challenges and digital strategy priorities for CEOs, COOs, business leaders, CIOs, CDOs, CTOs, Chief Data Officers, and digital leaders in the GCC insurance sector.
  • Insurtech trends and AI opportunities: AI-driven use cases, including automated sales and operations, fraud-prevention, and AI- supported IT portfolio management are enabling insurers to capture digital market share and achieve strong RoI.
  • Six strategic clusters: Gain insights into six key pillars of digital transformation in GCC insurance: core insurance systems, insurance AI and data strategy, IT automation and cost efficiency, responding to the 'war for insurance tech talent', business and regulatory changes, and the role of digital M&A.
  • Regional insights: Explore exclusive findings from interviews with insurance leaders across major GCC hubs, including Dubai, Abu Dhabi, Riyadh, and Doha.
  • Future-proof insurance: Understand how GCC insurers are aligning their digital strategies with national visions for economic growth and generational prosperity.

These actionable insights provide a roadmap for CIOs, CTOs, CDOs, Chief Data Officers and IT leaders to navigate challenges and unlock the full potential of digital transformation. Discover how insurtech innovation, AI, and digital cost optimization are driving the next wave of growth and aligning with national visions for long-term prosperity.

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