Vol. 21, N°3 (2026)

78

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The impact of Digital transformation on reducing fraud in marine insurance: a survey study in a company in Iraq

Résumé

     The objective of this study was to examine impact of digital transformation on reducing fraud in marine insurance, in light of rapid advancements in digital technologies and new opportunities they have created for improving insurance operations and enhancing insurers’ capabilities in risk management and detection of fraudulent practices, research was prompted by growing number and diversity of fraudulent schemes in marine insurance. and challenges this poses for insurance companies in verifying information and documents and reviewing insurance claims-a situation that calls for use of modern digital technologies to curb these practices and mitigate their effects. Study adopted digital transformation as an independent variable, with its technical and administrative dimensions. Behavioral, and strategic dimensions, while reduction of marine insurance fraud represents a dependent variable. To achieve research objectives, a descriptive-analytical approach was adopted, and a questionnaire was designed to collect data from members of   target sample at national and Iraqi insurance companies involved in marine insurance.  The data is then analyzed using appropriate statistical methods to test research hypotheses and identify nature of relationship among variables. The study aims to provide a practical framework that illustrates extent to which digital transformation contributes to enhancing insurance companies’ ability to combat marine insurance fraud and to identify the digital factors that have greatest impact on reducing it. It also aims to provide a set of recommendations that can help insurance companies’ management teams develop their digital systems, improve claims management and verification mechanisms, and enhance their capabilities in early detection of fraudulent practices, thereby contributing to reducing losses and improving efficiency of insurance operations.

Comment citer cet article

Ban Hatem Jassam, Asmaa Adeeb Abdulwhud and Sahar Kamil Khaleel (2026), " The impact of Digital transformation on reducing fraud in marine insurance: a survey study in a company in Iraq ", International Journal of Management And Technologies, Vol.21, N°3, pp: 1-25 http://www.ijmat.tn/pages/articles/32/188