On this episode of the Scouting For Growth podcast, Sabine VdL talks about the technology trends shaping the future of insurance and finance in 2025, the big shifts, from AI wizardry to climate tech disruptors, that are revolutionizing how we manage risk, measure reward, and generally conduct business in these fast-changing industries.

KEY TAKEAWAYS

• AI in insurance alone is predicted to jump from just over $8 billion in 2024 to potentially over $140 billion in 2034. With generative AI tools creating on-the-fly risk assessments and personalized product recommendations, the old “one-size-fits-all” insurance model is heading out the door. Soon, underwriting or credit-check processes that once took days could be done in mere minutes.

• With 5G insurers can collect real-time driving data to offer usage-based policies – like getting rewarded for being a safe driver. Meanwhile, finance companies roll out mobile-first investment platforms that update your portfolio in microseconds. VR is also taking the stage, letting financial advisors or insurance agents hold “virtual meetings” with you inside immersive 3D worlds. This creates deeper engagement and a better understanding of the coverage you’re getting.

• With hurricanes, floods, and wildfires happening more often, insurance providers are analyzing climate risks like never before. Some are even adjusting policies in real-time based on environmental data, which is crucial for those living in high-risk areas. Meanwhile, finance giants are offering “green bonds” or environmentally friendly investment options. Sustainable practices aren’t just an afterthought; they’re part of corporate strategy, and regulators are stepping in to promote responsible business.

• “Financial Services 2.0,” covers InsurTech, embedded finance, embedded insurance, blockchain, and more. This signals a future where financial services, insurance, and other industries blend into platform-based experiences. Blockchain is a game-changer here. From frictionless cross-border payments to “smart contracts” that auto-trigger claims payouts, the possibilities are endless. We’re also seeing digital currencies – from stablecoins to central bank digital currencies (CBDCs) – gain traction.

 

BEST MOMENTS

‘Insurance is flipping from driver-centric to vehicle-centric as self-driving cars become more common. Meanwhile, in big cities, sensors track traffic to reduce congestion, meaning fewer accidents and lower claims.’
‘Cybercrime could cost the world up to USD 10 trillion annually by 2025. For insurers, that spells an opportunity to offer robust cyber coverage, but it also means constantly updating your own defences.’
‘AI and data-sharing help shape new solutions—but trust erodes quickly if people sense their data is being misused or if algorithms are biased. Transparency and good governance are your best friends.’
‘Step outside the old “policy mindset” and start innovating in ways that deeply resonate with how people live, work, and move..’

ABOUT THE HOST

Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner.

 

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