In rural areas of Pakistan, families often face daily challenges. A health emergency, failed crops, or the loss of a family’s main earner can lead to a financial crisis. These communities usually do not have access to insurance or formal…
Pakistan’s insurance industry stands at a critical juncture. With digital adoption accelerating and customer expectations evolving rapidly, insurers must modernize or risk falling behind. At Tidal Waves, we’re pioneering this transformation by providing cutting-edge digital solutions tailored for Pakistan’s unique…
In today’s digital world, the life insurance industry is changing fast. As people want quicker and easier service, old ways of selling insurance can’t keep up. There’s a growing need for smarter, tech-based and customer-friendly methods. That’s where the idea…
In today’s fast-moving world, everything is going digital – including insurance. From online applications to mobile apps, technology is changing how people buy and manage their insurance. But even with all this tech, one thing hasn’t changed: people still need…
The insurance landscape in Pakistan is undergoing a major transformation. With the Securities and Exchange Commission of Pakistan (SECP) releasing its new Digital Insurance Regulations, the pathway is now clear for insurers to fully embrace digitization, modernize their offerings, and…
Financial inclusion is still a major challenge in many parts of the world. Traditional systems often miss out on reaching wider customer segments. However, technology is changing this by helping insurers offer simple, affordable, and scalable insurance products for people…
The insurance industry in Pakistan is undergoing a significant transformation, driven by regulatory reforms and technological advancements. The Securities and Exchange Commission of Pakistan (SECP) is leading the push toward digitization, making insurance more accessible, efficient, and inclusive. A key…
The insurance industry is undergoing a major digital transformation, reshaping traditional processes to improve efficiency, customer experience, and regulatory compliance. With rapid technological advancements, insurers use digital tools to streamline operations, enhance underwriting accuracy, and introduce new distribution channels. This…
The insurance industry in Pakistan is undergoing a significant transformation. With advancements in technology, evolving customer expectations, and new regulations introduced by the Securities and Exchange Commission of Pakistan (SECP), insurtech companies are redefining life and health insurance. At Tidal…
In today’s fast-evolving insurance industry, data-driven decision-making is essential for optimizing risk management, enhancing profitability, and maintaining a competitive edge. However, many insurance companies still rely on outdated methods such as spreadsheets and manual data entry, leading to inefficiencies, errors,…
In a world where technology is reshaping industries, the insurance and Takaful sectors in Pakistan are on the brink of a transformative era. The recent “Directive for Sale of Life Insurance Savings Products through Technology-Based Distribution Channels, 2025”, introduced by…
Bancassurance—the collaboration between banks and insurance providers—has transformed significantly with the rise of digital technology. As customer expectations shift, regulatory landscapes evolve, and competition intensifies, adopting the right technology is no longer optional—it’s a necessity. At Tidal Waves, we specialize…