Al-Noor Journal for Legal Studies
The Official Journal for College of Law and Political Science, Alnoor University

The Role of Artificial Intelligence in Developing Insurance Systems for Financial Risk-Comparative legal study-

https://doi.org/10.69513/jnfls.v2.i4.a12
Volume 2, Issue 4
Autumn 2025
Pages 143-152
Al-Noor Journal for Legal Studies

Document Type : Original Article

Author

Ammar Al-Bana

College of law\ University of Ninevah

Abstract
This research addresses the role of artificial intelligence (AI) applications in developing insurance systems against financial risks by examining the technical and legal aspects related to the use of these modern technologies. Artificial intelligence has become a central tool in enhancing the efficiency of insurance companies through data analysis and accurate risk assessment, contributing to reducing losses and strengthening trust in the financial sector. The study found that the absence of regulatory legislation governing the use of AI poses a challenge to achieving justice and determining liability in cases of technical errors. Among the main challenges identified are weak digital infrastructure and a shortage of specialized expertise. In conclusion, the research recommends establishing a clear legal framework, improving technical infrastructure, and adopting the principle of algorithmic transparency to ensure the safe and effective use of artificial intelligence in financial insurance systems.

Keywords

: Artificial Intelligence
Financial Insurance
Financial Risks
Data Security
Algorithms
Subjects
  • Receive Date 16 November 2025
  • Revise Date 18 December 2025
  • Accept Date 22 December 2025
  • Publish Date 27 December 2025

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