Artificial Intelligence Deeply Enables the Insurance Industry: Research and Analysis of Insurance Question Answering Assistants based on User Needs and Market Analysis

Abstract

With the rapid development of artificial intelligence, the application prospect of AI in the insurance industry is becoming more and more broad. Based on this trend, this article will conduct an indepth investigation of insurance Q&A assistants from the perspective of user needs and market analysis, to explore their potential in enhancing customer experience, optimizing service processes, and driving business innovation. The survey found that the industry's emphasis on customer experience is increasing at the service level. Improving service quality is seen as the most attractive factor in marketing strategies for the insurance industry. The positive impact of digital transformation and technological innovation has been widely recognized. With the continuous development of technology and the gradual change in consumer habits, the rise of online sales channels will inevitably have a profound impact on traditional sales models, and the positive effects brought by digital transformation and technological innovation have been widely acknowledged. Additionally, this article conducts a heterogeneity analysis of different regions, finding significant differences in acceptance and awareness levels between Xinjiang and other developed areas. Based on the research analysis, this article proposes prospects for the future development trends of the insurance industry from four aspects: technological innovation and product transparency, intelligent and personalized services, application of artificial intelligence technology, and improvement in professionalism and practicality. Finally, this article identifies issues such as weak targeting, low risk control, and untimely recommendations in the AI-empowered insurance industry, and offers relevant suggestions to better promote the development of AI in the insurance sector.