مجلة العلوم الاقتصادية والتسيير والعلوم التجارية
Volume 19, Numéro 1, Pages 379-393
2026-06-30
Artificial Intelligence Adoption In The Algerian Insurance Sector: An Exploratory Multi Case Study
Authors : Hamni Houria . Mihoub Sameh . Benmahamed Houda .
Abstract
This study aims to provide an exploratory mapping of early AI initiatives in the Algerian insurance sector through multiple cases. Using a qualitative approach, research suggests that AI adoption unfolds within a multi-level ecosystem comprising operational, analytical, customer interaction, and institutional dimensions. Preliminary findings indicate improved efficiency, enhanced fraud detection, better customer service, and asymmetric adoption driven by institutional gaps and capability differences. The study proposes an AI Adoption Ecosystem Framework and introduces the concept of asymmetric AI adoption in emerging markets as a tentative analytical lens.
Keywords
Artificial intelligence ; InsurTech ; Digital transformation ; Machine learning ; Emerging markets ; Algeria
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