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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
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