Paper Title
Assessing the Role of Digital Transformation in Asset and Liability Management for Moroccan Insurance Companies

Abstract
This study investigates the influence of digital transformation on asset and liability management (ALM) in the Moroccan insurance industry, with a particular focus on quantitative outcomes. Utilizing a mixed-methods research approach, data was gathered through surveys involving 500 Moroccan insurance professionals and 20 interviews with decision-makers. The findings reveal that 78% of the surveyed companies have adopted digital technologies in the last five years, with 65% reporting an increase in adoption over the past two years. The adoption rates for specific digital tools include 72% for data analytics, 68% for AI and machine learning, and 40% for block chain technology. The implementation of these technologies led to a 30% reduction in error margins during risk assessment and allowed 85% of respondents to react more promptly to market shifts. The study concludes that digital transformation has notably enhanced ALM processes, particularly in terms of proactive asset allocation and improved accuracy in risk assessment. However, challenges related to regulatory compliance and integrating digital tools with legacy systems continue to hinder full-scale transformation. Keywords - Digital Transformation, Asset and Liability Management, Moroccan Insurance Industry, Risk Assessment, Operational Efficiency.