HAVE In this regard, Interworld organized on Friday, November 4, 2022 in Casablanca, in collaboration with INSA Alumni Morocco, the African forum for the digitization of insurance and insurance services (Digital Assur).

This event aims to present the various players in the insurance and insurance ecosystem, the new legal provisions, technological innovations and IT solutions for the creation, distribution and administration of products.

Speaking on the topic of securing insurance contracts and electronic signatures, Omar El Araki Tantaoui, director of application solutions at Intelcia IT solutions, first focused on the use of electronic signatures in Morocco. In this sense, he recalled that this mechanism to ensure that an electronic document is not rejected can be used to sign an estimate, an invoice, a tender, a certificate of ownership, etc.
In addition, Tantaoui pointed out that the rules recognize different levels of signature, namely qualified signature and advanced signature. The use of one or the other is used in accordance with the limitations and obligations.

“Presumed reliable, the qualified signature is based on a qualified signature creation device attested by a certificate of conformity issued by the national authority, whereas the advanced signature, which is legally recognized without being presumed reliable, is based on a signature creation device without necessarily being qualified,” said he.

For his part, Anouar Berra, deputy managing director in charge of operations and transformation at La Marocaine Vie, a company specializing in personal insurance, noted that the company began by implementing the electronic signature internally. “For two years, we have carried out massive investments in digital. To date, 90% of our back office processes are electronically signed. From 2023, we plan to implement this mechanism externally, especially with our customers,” he said.

Regarding the advantages of using an electronic signature, Berra believes that this method makes it possible to enter into a restrictive framework by putting an end to the risk of impersonation. And to add that this mechanism also makes it possible to reduce the use of paper, to speed up the signature process and to democratize remote work, since people can sign their documents remotely.

Yassine Rahmi, co-founder of Sygma.ai, a startup using artificial intelligence in auto insurance, said of the impact of artificial intelligence (AI) on the insurance industry that “AI can be applied to roles that require a strong ability to synthesize data and make decisions autonomously. This is one of the main reasons why artificial intelligence is incredibly applicable to the demands of the insurance industry.”

And to continue: “The Covid-19 pandemic has reduced AI adoption times by significantly accelerating digitization for insurers. Organizations had to adapt to a new reality and update their digital capabilities to be able to distribute and interact with their customers remotely” .

Similarly, Yassine Rahmi explained that thanks to artificial intelligence, the experience of “buying insurance” has become faster, with less active involvement from the insurance company and the customer.