This article examines the foreign experience in enhancing the competitiveness of insuranceservices, focusing on key factors such as service quality, innovation, digital transformation, and regulatoryframeworks. The study analyzes advanced practices implemented in developed countries, including risk-basedsupervision, the application of Solvency II standards, and the integration of financial technologies into insuranceoperations. Particular attention is given to the role of customer-oriented strategies and the diversification ofinsurance products in strengthening market competitiveness. The findings suggest that adopting internationalbest practices can significantly improve the efficiency, transparency, and sustainability of insurance services inemerging markets.
| Mualliflar | Umirov , Abdisalom |
|---|---|
| Jurnal | Innovation science and technologiy |
| Nashr sanasi | 2026-05-01 |
| Jild | 2 |
| Son | 5 |
| Til | Ingliz |
| DOI | 10.5281/zenodo.20527345 |
DOI: 10.5281/zenodo.20527345 · Maqolaning asl sahifasi
insurance services, competitiveness, digitalization, innovation, risk management, Solvency II, insurance market, customer-oriented strategy, financial technology, global experience
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