• Yash Kant Gautam

The FNOL (First Notice of loss) process has been an age-old anchor to claims handling in the insurance business, it has really transformed a lot with emerging technologies. This paper, therefore, presents a discussion on how modernization of FNOL-throwing in digital tools such as artificial intelligence, mobile applications, cloud computing, and the Internet of Things-is finally upending claims management dynamics. In addition, modernization efforts have sought improvement in the customer experience, hastening the resolution of claims, enhancement of fraud detection, and reduction of operational costs. Furthermore, this paper discusses in detail the application architecture of a modern-day FNOL system and how all these components fit together for seamless function.

FNOL, claims management, digital transformation, AI, fraud detection, customer experience, application architecture, cloud computing.

"Optimizing Claims Handling The Role of AI in FNOL Modernization", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 2, page no.d663-d667, February-2025, Available :http://www.jetir.org/papers/JETIR2502374.pdf

"Optimizing Claims Handling The Role of AI in FNOL Modernization", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 2, page no. ppd663-d667, February-2025, Available at : http://www.jetir.org/papers/JETIR2502374.pdf