Saadet Kutlu Hızlan, General Manager of Koalay.com, shared her insights on the current state and future of digital transformation in the insurance sector in a post on LinkedIn.
Hızlan noted that when she entered the insurance sector in 2014, she believed digital transformation in individual products would be completed in a short time, but pointed out that as of 2026, industry stakeholders are still debating the question, “Will digital transformation happen?” Emphasizing that her answer to this question is clear, Hızlan stated that digital transformation will indeed take place.
In his remarks, Hızlan also addressed the actors playing a role in the digitalization process, noting that although there are only a limited number of aggregators, they have taken on a significant portion of the process. Hızlan explained that these structures bear a significant portion of R&D costs, technological infrastructure investments, and the formation of digital customer habits, noting that the integration of numerous insurance companies, the generation of millions of quotes, and policy issuance are among the tangible outcomes of these investments.
Drawing attention to banks as well, Hızlan noted that these institutions possess strong potential in the digital insurance sector thanks to their financial data and CRM infrastructures. He stated that if banks shift their focus toward digital insurance, they could assume a decisive role in the market.
In his assessment of insurance agencies, he noted that large-scale agencies could successfully undergo transformation, but medium and small-scale agencies—which constitute the majority of the market—might face challenges in the digitalization process. Hızlan stated that agencies integrated with the right platforms would become an active part of the transformation.
Hızlan emphasized that digital transformation is only possible through an ecosystem supported by sustainable growth and efficiency, and expressed his hope that the sector’s digital bottlenecks would be overcome collectively.
