Breaking down barriers in insurance: Why sharing data matters
Image: Supplied
Across the Middle East, insurers are racing to adopt AI and meet rising regulatory demands but many are still losing the race where it counts: data integration.
According to Norton Rose Fulbright's '
Yet, despite the buzz around innovation, most insurers are still shackled by siloed systems that can't talk to each other.
Data is often stored in different systems, slowing communication, creating errors, and frustrating customers. Solving this isn't just a technical upgrade – it's the next big leap toward real operational agility, trust, and regulatory readiness.
The unseen barrier behind delays and errors
AI may be the headline, but broken data systems are the footnotes where failure lives. Delayed quotes, slow claims processes, and inconsistent customer service often stem from fragmented systems and manual data transfers. Without seamless connections between systems, even the most sophisticated AI becomes blind ineffective.
This issue isn't just a technical inconvenience; it undermines the customer experience and affects the brand`s credibility.
Regulatory expectations are rising
In the Gulf, what was once guidance is fast becoming obligation. For example, in the
Insurance companies must now prove they can track where data originates, how it is used, and whether it is being handled with consent and integrity. This level of accountability is unachievable without robust, interconnected systems.
Why seamless data sharing will separate leaders from Laggards
While regulators demand it, leaders leverage it. When brokers can access customer data instantly, they reduce response times and enhance service quality. Efficient data exchange across insurers, healthcare providers, and repair shops reduces duplication and human error in claims.
Moreover, the performance of AI systems is directly tied to the quality and accessibility of data. Without structured, interoperable datasets, even the smartest algorithms can't deliver on their promises – from fraud detection to personalised coverage.
The tools powering interoperability
Despite the Middle East's reputation for innovation, insurers are still held back by entrenched workflows, legacy systems, and inconsistent data quality. But as adoption begins to accelerate, a new wave of tools is quietly enabling systemic interoperability — offering insurers a way to leapfrog outdated practices and unlock the next stage of transformation.
One of the most persistent issues across regional markets is the continued reliance on email as the primary placement method — a sign of deeper fragmentation in insurance processes. Many insurers are only now beginning to transition from legacy systems toward modern, integrated tools that enable true end-to-end data connectivity. These tools include:
Unified Dashboards: Modern dashboards consolidate underwriting, claims, and client data in real time. This single source of truth reduces duplication, enables quicker decision-making, and ensures that brokers and underwriters are aligned in servicing and risk evaluation.
AI and Automation: AI-enabled solutions are already being applied to streamline underwriting, automate claims processing, and flag potential fraud. Digital placing platforms and workflow automation tools significantly reduce time spent on manual tasks like re-keying data — freeing brokers and underwriters to focus on growth, advisory services, and value delivery.
Collaborative Portals: Secure digital portals are replacing PDF-based submissions, spreadsheets, and lengthy email threads. These collaborative environments allow stakeholders across the insurance lifecycle to exchange data, approve policies, and monitor progress in real time — dramatically improving speed and reducing operational friction.
Real business impact
This technology isn't just improving backend operations; it's shaping frontline outcomes and strategic partnerships.
Faster decision-making
:
Integrated systems mean approvals that once sat idle in inboxes now flow automatically. Leads convert faster, onboarding is frictionless, and no client is lost in the waiting.
Efficient claims handling: Today's AI tools assess claims quickly, flag suspicious ones, and speed up legitimate payouts. When linked to hospitals, repair shops, and legal teams, they create a fast and reliable claims process, just when customers need it most.
Transparency = trust: Visible workflows, predictable timelines, and steady communication make clients feel like partners. In a competitive market, this kind of transparency builds loyalty and drives referrals.
Preparing for what's next
The window to act is narrowing; As regulations toughen and customer expectations rise, insurers have a short window to embed transparency, security, and seamless data sharing into their operating core.
A smooth digital experience isn't just about compliance; it's a key to client satisfaction. Easy data sharing means clients stay longer, refer more business, and explore new services. The ecosystem is shifting fast. Collaboration between insurers, regulators, and tech enablers is no longer optional – it's a growth strategy.
With these foundations in place, insurers can not only meet today's demands, but they'll also be ready to grow, offer tailored products, and thrive through future challenges.
The writer is the regional VP, Southern EMEA & ME at Denodo.
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