Digitalization of the insurance sector in algeria implementation, challenges, and Issues: case study ALGERIA FINLAB

Abstract

This thesis explores Digitalization of the insurance sector in Algeria Implementation, challenges, and Issues, through a case study of Algeria FinLab, a key actor in supporting digital innovation across the national market. The central research question asks: How is digitalization evolving in Algeria’s insurance industry, and what role can innovation platforms like Algeria FinLab play in enhancing service quality? The study aims to analyze the current state of digitalization, identify the organizational and technical barriers hindering its progress, and assess future opportunities from the perspective of sector stakeholders. The theoretical framework examines the technical and organizational dimensions of digitalization within institutions, with a specific focus on the insurance sector, which depends heavily on data processing and remote service delivery. Methodologically, the research follows a qualitative approach involving document analysis, semi-structured interviews with representatives from the UAR and SAA, and field observations conducted during an internship. The findings highlight that digital transformation has become a strategic necessity. However, its implementation in Algeria remains constrained by weak infrastructure, outdated legal frameworks, and a shortage of digital expertise. The study concludes with several recommendations, including legal modernization, structured digital training, partnerships with InsurTech platforms, and strengthening the strategic role of Algeria FinLab as a catalyst for innovation and transformation.