Legacy CIAM slows insurers’ digital transformation by creating fragmented user journeys, high maintenance costs and security risks. The paper shows how modern CIAM improves customer experience with seamless, multi channel authentication, SSO, biometrics and eIDs while strengthening compliance and security. It also supports scalable access control for complex ecosystems of brokers, partners and subsidiaries. Case studies from a.s.r., Admiral and Baloise illustrate how modern CIAM delivers agility, unified identities, faster onboarding and better operational efficiency, enabling insurers to meet evolving digital expectations.

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