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nological transformation. Concluding his while noting that its true value lies in Bancassurance at TEB, as speakers.
remarks with a striking message, Yavuz enabling insurers to better understand The third session, titled “A New Era in
Ölken, CEO of AXA Türkiye, described customers and guide them towards the Corporate Risk Management and Insur-
the current phase of the industry as a right solutions. They highlighted that it ance Intermediation,” focused on rein-
“return to factory settings.” He em- has become increasingly critical for in- surance mechanisms, resilience and sus-
phasised the need to refocus on the core surance agents to save time and devote tainability. Addressing risk management
principles of insurance, including trust, greater attention to customer engage- from multiple perspectives, the panel
customer centricity, risk expertise and ment, adding that digital visibility is no examined the evolving challenges and
long-term value creation, and expressed longer optional but essential. opportunities facing the sector. Chaired
his confidence that the insurance in- by Cem Yılmazer, the session brought
dustry would successfully complete this The panel also underlined that insurance together Levent Atakan, Financial Ser-
transformation. is not merely about issuing policies, but vices Sector Leader at Ernst & Young
about providing protection and support Türkiye, Barış Altın, Chief Technical Of-
The Inevitable Impact of the Digital when customers need it most. The speak- ficer of AXA Sigorta, Bora Akdoğanlar,
Ecosystem and Artificial Intelligence ers agreed that effective data manage- Chairman of the Board of the Corporate
Discussed ment and the human-centred use of ar- Risk Management Association, Ebru
tificial intelligence will play a defining Yüksekbilgili, General Manager of Cor-
The first session of the second day fea- role in shaping the future of the industry. porate Risk and Insurance at Lockton
tured the panel titled “The Inevitable Omni Sigorta ve Reasürans Brokerliği,
Impact of the Digital Ecosystem and The second session, titled “The Grow- and Dr. Selçuk Tiftik, Chairman of the
Artificial Intelligence: Operations, Lead ing Influence of Financial Distribution Board of Remed Assistance.
Management, Insurance Agents and On- Channels in Insurance,” explored the de-
line Sales Channels,” moderated by Ni- velopment of bancassurance, the impact Accurately Identifying Protection
hal Asker, CEO of RS Holding. Sanem of participation finance on the insurance Gaps Is Essential for the Insurance
Çıngay Buçukoğlu, President of Sales, industry, and the increasing adoption of Industry
Corporate Communications and Health alternative distribution models. The pan-
at AXA Sigorta, Çiğdem Kılıç, Deputy ellists highlighted that integration within Speaking during the fourth session, ti-
General Manager of Türkiye Sigorta, the broader financial ecosystem is one of tled “Preventive Insurance and the New
Cüneyt Aşuk, Deputy General Manag- the key drivers of higher insurance pen- Risk Management,” Yavuz Ölken, CEO
er responsible for Technology at Agito, etration. of AXA Türkiye, said that changing life-
and Ataman Kalkan, CEO of Sigortam. styles, technological transformation, and
net, shared valuable insights during the Moderated by Cem Yılmazer, the pan- emerging risk areas are creating signifi-
session. el featured Sami Kaya, Deputy General cant protection gaps in the insurance in-
Manager of Neova Sigorta, Asude Yüce dustry, and that the future of the sector
The panellists emphasised that artifi- Korkmaz, Consumer Finance Market- will be shaped by its ability to accurately
cial intelligence is improving efficiency ing Manager at Kuveyt Türk, Gökhan identify these gaps and develop effective
across a wide range of areas, from pol- Sertsöz, Deputy General Manager of solutions. Emphasizing that protection
icy issuance processes to risk profiling, BNPPC, and Ali Lülü, Group Director of gaps are not only a source of risk but also
a major opportunity for the growth of the
insurance industry and the strengthening
of societal resilience, Ölken noted that
preventive insurance will play a critical
role in the 2030 vision. He also stated
that, in the face of increasing risk com-
plexity, the transition from systems that
respond only after a loss has occurred
to integrated systems capable of antici-
pating and managing risks proactively is
inevitable.
Ölken noted that changing customer be-
havior is also transforming the insurance
industry, stating that the expectations of
younger generations, new lifestyle hab-
its, and evolving needs are reshaping the
entire structure, from product design to

