Allianz Türkiye Puts Artificial Intelligence at the Core of Its Business Model

Allianz Türkiye has invested over EUR 15 million in artificial intelligence and data over the past five years, extending artificial intelligence beyond technology projects. Focusing on customer experience, risk management, operational efficiency and employee capabilities, the company has created over EUR 20 million in value through AI-enabled applications to date.

Artificial intelligence is becoming not just a tool for technological transformation in the business world, but also a key element of competitive advantage. In the insurance sector, converting the potential offered by artificial intelligence into concrete business results; safely scaling the technology, improving decision quality and delivering customer value are important.

Allianz Türkiye has been pursuing its artificial intelligence transformation built on the data and analytics infrastructure it has developed since 2018, in line with this approach. Over the past five years, while investing over EUR 15 million in artificial intelligence and data, the company has structured its efforts around four core objectives: better understanding customers and delivering personalized services, more accurately forecasting risks and fraud, accelerating operational decisions and enabling employees to generate higher added value working alongside technology.

AI investments converting to measurable business value
Allianz Türkiye evaluates the success of its artificial intelligence investments not just by the number of models or applications used, but by the concrete business results achieved. Today, AI-enabled applications are being used across a wide range of areas; from claims management to pricing, commercial quotes to health provisioning, document processing to customer churn forecasting.

The main results delivered by the company's artificial intelligence applications are as follows:

Claims decision timeframes reduced fivefold.
Commercial quote preparation time reduced from 4 hours to 15 minutes.
99 percent accuracy achieved in document processing workflows.
Success rate of AI-enabled fraud detection models increased by 30 percent.
AI applications have created over EUR 20 million in value to date.
Understanding customer needs before they emerge

Allianz Türkiye uses large language models and generative artificial intelligence not only for automation purposes, but also to better analyze customer behaviors and experience areas.

Through advanced analysis performed on call center data, the aim is to identify recurring needs, problem areas and customer expectations earlier. In this way, artificial intelligence goes beyond being a tool that accelerates existing processes and also contributes to decision-making processes aimed at improving products, services and customer experience.

The Smart STP system used in health insurance completes provisioning processes in seconds, while AI-enabled fraud detection models contribute to protecting customers and insurance pools. With these applications, Allianz Türkiye aims not only to process transactions faster; but also to create more consistent decisions, more accurate risk assessments and more reliable customer experience.

New efficiency frontier: AI-assisted and Agentic AI
Another important pillar of Allianz Türkiye's artificial intelligence transformation is software development processes. Over 300 software developers within the company benefit from the AI-assisted software development approach in their daily workflows.

More than 15 coding agents are actively used, from frontend, mobile and backend development to testing and quality assurance processes. Allianz Türkiye aims for one of every two activities in the software development lifecycle to be conducted with GenAI support, achieving a 50 percent efficiency increase in this area.

In the next phase, the transition is targeted to a new Agentic AI-based engineering model in which artificial intelligence agents capable of planning and executing specific tasks work alongside human expertise and oversight.

In AI transformation, people are as much a focus as technology
Allianz Türkiye does not pursue its artificial intelligence transformation solely under the responsibility of technology teams. Through the "AI for All" program, the aim is to enable employees to use artificial intelligence effectively, correctly and responsibly and to promote a data-driven decision-making culture throughout the organization.

This approach aims to transform artificial intelligence from being a technology used only by specific teams into a shared capability that improves how the company operates across the board.

Security, governance and human oversight as core elements of transformation
Scaling artificial intelligence in insurance; alongside speed and efficiency, makes data security, explainability, ethical use and human oversight critical.

Allianz Türkiye therefore positions artificial intelligence not as a technology that replaces human decision-making, but as a capability that strengthens human decision-making. In the company's approach, scaling technology and safe and responsible use of artificial intelligence are treated as two complementary core elements of the same transformation program.

Tolga Gürkan: "In artificial intelligence, competition is a race to convert technology into customer value"
Tolga Gürkan, CEO of Allianz Türkiye, said the following regarding the position of artificial intelligence in the company's business model:

"Today, artificial intelligence is no longer just a technology heading; it is the new playing field where competition is waged. However, the real difference emerges not from having the technology, but from being able to scale it and create concrete value for customers and business. We use artificial intelligence not just to process transactions faster; but to forecast risks more accurately, better understand our customers, strengthen our employees' decisions and make insurance more accessible and personal. In the coming period, generative artificial intelligence and Agentic AI will accelerate this transformation further. We will not compromise on transparency, ethical approach, data security and human oversight in doing so. Because for us, the success of artificial intelligence, no matter how advanced the technology is, is ultimately measured by how much value it adds to customers and people."

Next phase: Scaling artificial intelligence across the organization
Allianz Türkiye's focus in the coming period is to move successful artificial intelligence use cases beyond individual applications to transform them into scalable capabilities across the organization.

The company aims to expand the use of generative artificial intelligence and Agentic AI in software development, customer interaction, operational decision-making and risk management. Along with the financial value created in this process, customer experience, decision quality and employee productivity are planned to be among the key indicators measuring the success of the transformation.