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1、January 2025RESEARCH INSTITUTECapgemini Financial ServicesTop Trends 2025Life InsuranceA qr code with black squaresDescription automatically generated Explore Top Trends 2025ExploreTop Trends 2025House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|3#FinancialSe

2、rvicesTrends2025The Capgemini FS Top Trends 2025 span three broad themesRevamping processes,teams,solutions,and operations to run enterprises with greater agility and operational efficiency to optimize the cost of doing businessLeveraging the most modern solutions to deliver an end-to-end digital ex

3、perience that transforms the value chain from design to delivery of intelligent products and servicesCustomer FirstEnterprise ManagementIntelligent IndustryTransforming customer experience focusing on omnichannel interactions and the value of products and servicesHouse with solid fillCapgemini FS To

4、p Trends 2025Public Capgemini 2025.All rights reserved|4#FinancialServicesTrends2025The Capgemini FS Top Trends in the Insurance sector by sub-domain(1/2)P&C InsuranceHealth InsuranceNiche market innovation:Carriers explore unique offers in cyber,pet,parametric,and other small markets with potential

5、Customer centricity:Carriers rebuild experiences,journeys,and offers around customers,to maximize win rates,cross-sell,and up-sellStrengthened security:Insurers invest in security capabilities to protect themselves from massive breachesBroker and agent engagement:Carriers drive distribution partner

6、engagement and loyalty through simple,fast,and easy experiencesProcess revolution:Artificial intelligence and Gen AI streamline processes across the value chainUnderwriting workbenches:Commercial line insurers invest in cutting-edge,robust underwriting platforms for a competitive edgeHigh-speed pric

7、ing:Insurers build capabilities for high-speed recalibration of risk models and pricing to keep up with market changesValue from data:Data estate renovations make the right information available where and when needed,across the value chainA focus on policies in force:Personal line leaders prioritize

8、 growing policies in force,versus past efforts to“re-underwrite the book”Cost take-out:Insurers shift operating models and technology strategies to enable scaled efficienciesPersonalization through partnerships:Collaborations with hospitals,healthcare providers,and technology companies help insurers

9、 develop personalized care plansFocus on value:Enhanced payer/provider collaboration,and improved provider data management and analytics help value-based care gain continued tractionRegulatory compliance:The evolving regulatory landscape continues to drive change and shape insurers financial success

10、Responsible AI and governance:Gen AI pilots pick up,especially in core operations and IT,but the greatest focus remains on governance and responsible AIBenefits advisory capabilities:As digital transactions increase member touchpoints,employers,brokers,and payers transform into health-benefit adviso

11、rsLegacy modernization:Rising healthcare costs drive insurers to digitize the core to unlock accessibility,affordability,and transparencyCustomer centricity:Product development lifecycle management enables custom,configurable,and accurate benefits administration to differentiate customer experienceE

12、xpanded coverage:Alternative care delivery widens to include behavioral,virtual,specialty,and home healthRisk management:Cloud-based service architecture augments insurers risk mitigation and data-breach protectionEnhanced security:Integrated and interoperable ecosystems require robust security for

13、highly regulated health dataCustomer FirstIntelligent IndustryEnterprise ManagementHouse with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|5#FinancialServicesTrends2025The Capgemini FS Top Trends in the Insurance sector by sub-domain(2/2)Customer FirstIntelligent I

14、ndustryEnterprise ManagementSustainable product opportunities:Growth in innovative and eco-friendly debt instruments and insurance productsSustainability as corporate DNA:Enterprise-wide sustainability with integration into operations,products and services and supply chainGoing beyond carbon emissio

15、ns:Financial services broaden focus beyond carbon emissions to include social and biodiversity factors in ESG strategiesGen AI aiding sustainability:The advent of Gen AI has made financial services look at more innovative ways of implementing SustainabilityGreenwashing and greenhushing:Financial Ins

16、titutions face scrutiny from customers and activists and possible penalties from regulators,consumers and activistsIndustrialized climate risk modeling:Financial institutions are intensifying efforts to assess,manage,and disclose climate related risks to stakeholdersSustainability service opportunit

17、ies:Financial institutions support their end-clients beyond financing to accelerate their net zero transition and resiliencyESG risk criteria:Financial institutions increasingly incorporate ESG risk factors into their investment strategies and risk management processesIncreased regulation:Enhanced r

18、egulatory frameworks and reporting reshapes corporate accountability through rigorous ESG standards by 2025Decarbonization of portfolios:Stakeholders increasingly prioritize low-carbon investments to reduce carbon footprints and align with climate goalsSustainabilityLife InsuranceModern experiences:

19、Insurers revamp experiences,journeys,and processes for customers with modern capabilities to increase engagement,win rates,and retentionRetention as a strategy:Insurers seek to retain capital through customer engagement strategies in response to changing customer behavior and an evolving economic la

20、ndscapeClaims as a growth tool:Investments in empathetic and intelligent claims processes enhance the beneficiary experience and encourage reinvestment with the insurerFortified security:With third-party integration and data breaches on the rise,insurers fortify security to protect clients and build

21、 trustSimplified onboarding:Insurers leverage a foundation of AI,Gen AI,automated risk assessments,and third-party data for low-touch and personalized onboarding through intelligent underwritingAdvisory capabilities:Intelligent technologies help agents/brokers assess clients and personalize recommen

22、dationsCustomer centricity:Consolidated view of existing and new customers enables cross-sell and up-sell strategiesNon-insurance services:Value-added services designed for the silver economy enhance customer lifetime value and capitalize on global aging demographicsOpening the youth segment:Carrier

23、s design new,flexible,life goal-based,and engagement-driven products for younger consumers to drive the next wave of revenueLegacy modernization:Core system modernizations through cloud for cost savings,speed-to-market gains,sustainability impacts,and enhanced customer experiencesHouse with solid fi

24、llCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|6#FinancialServicesTrends2025Modern experiences:Insurers revamp experiences,journeys,and processes for customers with modern capabilities to increase engagement,win rates,and retentionCustomer centricity:Consolidated view of exi

25、sting and new customers enables cross-sell and up-sell strategiesNon-insurance services:Value-added services designed for the silver economy enhance customer lifetime value and capitalize on global aging demographicsOpening the youth segment:Carriers design new,flexible,life goal-based,and engagemen

26、t-driven products for younger consumers to drive the next wave of revenueAdvisory capabilities:Intelligent technologies help agents/brokers assess clients and personalize recommendationsSimplified onboarding:Insurers leverage a foundation of AI,Gen AI,automated risk assessments,and third-party data

27、for low-touch and personalized onboarding through intelligent underwritingLegacy modernization:Core system modernizations through cloud for cost savings,speed-to-market gains,sustainability impacts,and enhanced customer experiencesRetention as a strategy:Insurers seek to retain capital through custo

28、mer engagement strategies in response to changing customer behavior and evolving economic landscapeFortified security:With third-party integration and data breaches on the rise,insurers fortify security to protect clients and build trustClaims as growth tool:Investments in empathetic and intelligent

29、 claims processes enhance the beneficiary experience and encourage reinvestment with the insurerLife Insurance Top Trends 2025 Priority MatrixAdoption priority 2025Business impact 2025MEDIUMHIGHSIGNIFICANTMEDIUMHIGHSIGNIFICANT55331010776611992244883311224455776688991010CapgeminisPriority Matrixoutli

30、nes our assessment of the impactof 2025 trends on operating environments facing:Softening inflation and high interest rates,coupled with stagflation trends Geopolitical instability Dynamic regulatory activity Intense competition and increased focus on customer centricity due to the impact of new-age

31、 players Operational cost overruns and high capital lock-in Adoption priority:The criticality of a 2025 trend to value creation because of its sector importance.Business impact:Each trends effect on 2025 sector business as it relates to customer experience(CX),operational excellence,regulatory compl

32、iance,or profitability.Circumstances will vary for each firm depending on business priorities,geographic location,and other factors.For more information,contact us at .Customer FirstIntelligent IndustryEnterprise ManagementCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|8#Finan

33、cialServicesTrends2025Source:1.Capgemini World Life Insurance Report 2025;2.Dimensions:Life Insurance IT Pressures&Priorities 2024:North American Edition,Celent,14 February 2024;3.Dimensions:Life&Health Insurance IT Pressures&Priorities:EMEA Edition,Celent,26 February 2024;Capgemini Research Institu

34、te for Financial Services analysis,2024ImpactBackground Policyholders are underwhelmed across the value chain,with 55%dissatisfied with claimsand surrenders,51%frustrated with onboarding,and 48%displeased with service underscoring the critical need to improve.1 With the rise of digital-native soluti

35、ons,34%of life insurers are focusing on AI-driven self-service tools to optimize the value chain and transform the customer journey.1 Gen AI is poised to revolutionize life insurance.73%of North American(NA)life insurers and 55%of EMEA life and health insurers ranked servicing and operations as a to

36、p-three impact area of Gen AI,while 40%of NA life insurers and 80%of EMEA life and health insurers did the same for customer engagement,onboarding,and marketing.2,3 Only 5%of life insurers have earned best-in-class customer experience status.1And now,mainstream carriers are adding modern capabilitie

37、s to:Build integrated customer views by unifying data across touchpointsImprove retention rates by focusing on lifetime value through tailored policy upgrades and cross-sell opportunities.Insurers can harness digital capabilities to promote policyholders financial wellness through comprehensive,flex

38、ible solutions and improve customer win rates by fostering trust and long-term relationships.Intelligent platforms boost life insurers adaptability,enhance data sharing,and improve collaboration,ensuring operational efficiency and a competitive edge.Customer Customer F FirstirstTrend 1Modern experie

39、ncesModern experiencesInsurers revamp experiences,journeys,and processes for customers with modern capabilities to increase engagement,win rates,and retention5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|9#FinancialServicesTrends2025

40、Source:1.Capgemini World Life Insurance Report 2025;2.PR Newswire;Capgemini Research Institute for Financial Services analysis,2024French bankinsurer Crdit Agricole Assurances(CAA),in partnership with Capgemini,launched a mobile self-care journey for life insurance top-ups.By adding mobile channel t

41、o the existing web experience,Credit Agricole Assurance almost doubled the amount of digital top-ups.1US-based MassMutual collaborated with Vitech for its pension risk transfer business using V3locity to automate processes and integrate CRM and document management.The effort enhanced efficiency in s

42、ales,onboarding,and payment processing,thereby boosting customer experience.2Crdit Agricole AssurancesMassMutualManage growthModern technologies enable insurers to:Scale operationsto handle growth in business without compromising service qualityDeliver tailored products to boost retention through me

43、aningful relationshipsOptimize processesDigital technology implementation helps insurers:Cultivatetalent and partnerships to drive customer-centric cultures and increase efficiencyacross the value chainFoster innovationIntelligent technologies help insurers to:Drive innovation in product development

44、 through strategic partnershipsBoost customer satisfaction through seamless and engaging journeysMake data-driven decisionsModern digital capabilities enable:Policyholder digital footprint analysis to identify pain points and revealup-selling and cross-selling opportunitiesFigure 1:Life insurers tha

45、t harness modern digital capabilities enhance customer satisfaction and fuel growthCustomer Customer F FirstirstTrend 1Modern experiencesModern experiencesInsurers revamp experiences,journeys,and processes for customers with modern capabilities to increase engagement,win rates,and retention553310107

46、7661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|10#FinancialServicesTrends2025Source:1.Capgemini World Life Insurance Report 2025;2.Capgemini World Life Insurance Report 2023;Capgemini Research Institute for Financial Services analysis,2024Impa

47、ctBackground 51%of life insurance policyholders feel underwhelmed by current product features,highlighting the need to better understand customer demands through a unified customer view.1 Only 28%of life insurers prioritize customer centricity through hyper-personalization despite growing policyhold

48、er expectations for transparency and tailored experiences.2 Less than a quarter(23%)of global life insurers have redesigned enterprise-wide core processes to connect the organization.This gap presents an opportunity to adopt integrated customer relationship management(CRM)systems for seamless,silo-f

49、ree data across customer touchpoints,and enhancing coordination in sales,service,and claims.1 A consolidated customer view help life insurers understand customer behavior across channels,streamline experiences through fewer redundancies,and dismantle silos between departments to ensure consistent se

50、rvice for enhanced engagement.Insights from a unified customer view enable life insurers to innovate products with needs and preferences aligned with policyholder age or life changes leaving scope for targeted cross-selling and upselling opportunities and increased retention rates.By utilizing analy

51、tics and predictive modeling to determine optimal offerings,life insurers can forge partnerships to deliver tangible value-added services as part of personalized wellness plans,advisory services,and beneficiary management.Customer Customer F FirstirstTrend 2Customer centricityCustomer centricityCons

52、olidated view of existing and new customers enables cross-sell and up-sell strategies5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|11#FinancialServicesTrends2025Source:1.Reltio;2.Reltio;3.Zeta Global;Capgemini Research Institute for

53、Financial Services analysis,2024Canadian life insurer Empire Life used Reltios connected data platform with Account 360 solution accelerator to create a unified customer view that provides reliable data access across channels to heighten engagement andservice quality.1,2Generali Poland partnered wit

54、h New York-based Zeta to leverage the tech marketers AI-Powered Marketing Cloudto better engage policyholders.Unified real-time interactions with website visitors boosted the insurers lead conversion by 24%and increased online engagement.3Empire LifeGeneraliCustomer Customer F FirstirstTrend 2Custom

55、er centricityCustomer centricityConsolidated view of existing and new customers enables cross-sell and up-sell strategies5533101077661199224488Figure 2:Navigate data by building a four-step 360-degree customer viewData consolidationCapture all policyholder touchpoints by integrating data across poli

56、cy administration systems,claims management,customer service interactions,and digital platforms into a centralized repositoryCustomer segmentationDevelop a robust customer data platform to manage policyholder information in real time,ensuring consistent,accurate profiles for efficient customer relat

57、ionship management by life insurersAnalytics and AI-driven insight generationLeverage data to derive insights,identify trends,predict customer needs and behaviors,and personalize products,communication,and servicesData governance and regulationEnsure data integrity and security while complying with

58、regulations through resilient governance,encryption,and regular auditsto safeguard data and earn policyholder trustHouse with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|12#FinancialServicesTrends2025Source:1.Capgemini World Life Insurance Report 2023;Capgemini Re

59、search Institute for Financial Services analysis,2024ImpactBackground Global demographics are shifting dramatically,with individuals aged 50+projected to represent 33%of the global population by 2050 according to the World Life Insurance Report 2023,presenting a significant market opportunity for li

60、fe insurers.1 Theres a growing demand for value-added services among this demographic,with 44%of affluent and mass affluent customers aged 50+expecting such offerings from their insurers.However,only 32%of life insurers have prioritized these services in recent years.1 However,there is a significant

61、 innovation gap.75%of policyholders seek innovative life insurance products,yet only 27%of life carriers possess advanced product development capabilities to create tailored offerings and value-added services for older customers to boost engagement and demand.1 Early engagement with policyholders th

62、rough wellness services and lifestyle-aligned care solutions bolsters insurers relevance.It boosts customer experience,which drives long-term loyalty and maximizes lifetime value.With 57%of the aging population demanding regular and personalized engagement,integrating AI-powered platforms to deliver

63、 tailored longevity solutions can create avenues for differentiation and help life insurers gain a competitive edge in the market.1 Offering value-added services in collaboration with ecosystem players enables seamless data sharing,allowing life insurers to gain insights into the aging customers nee

64、ds and behaviors,thereby enhancing risk assessment and pricing strategies.Customer Customer F FirstirstTrend 3NonNon-insurance servicesinsurance servicesValue-added services designed for the silver economy enhance customer lifetime value and capitalize on global aging demographics5533101077661199224

65、488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|13#FinancialServicesTrends2025Source:1.Capgemini World Life Insurance Report 2023;2.Metlife;3.GlobeNewswire;CapgeminiResearch Institute for Financial Services analysis,2024US insurer MetLife partnered with

66、Micruity to create Universal Digital Retirement Platform,a tool for education,planning,and annuity purchases that help plan sponsors address financial concerns.It offersretirement income education and expanded access to immediate annuities,while streamlining operations for insurers and enhancing pla

67、n participant experience.2Huize,in partnership with New China Life Insurance launched Bliss No.2,a customized annuity product offering rapid cash growth,flexible payouts,and value-added benefits like hospital escort and home nursing care.It addresses the need for diversified retirement solutions and

68、 enables insurers to capitalize on the need for long-term financial care.3MetLifeNew China Life InsuranceFigure 3:72%of well-off 50+policyholders prefer digital interactions that can open new engagement and service delivery avenues1Intergenerational financial solutionsDigital platforms with integrat

69、ed multi-channel options to manage added health services and fast self-service features for aging customers and their families can secure long-term market position by fostering transparent planning and wealth growth across generationDigital tools for wealth managementLife insurers that offer compreh

70、ensive wealth management services through AI-driven integrated financial dashboards and advisory services can significantly expand the share of wallet and policyholder lifetime valueWealth-health integrationCombining flexible long-term care policies that cover in-home care,assisted living,and nursin

71、g homes,with wellness services unlocks AI-driven insights that help customers plan for future expenses while potentially reducing long-term claim costsCustomer Customer F FirstirstTrend 3NonNon-insurance servicesinsurance servicesValue-added services designed for the silver economy enhance customer

72、lifetime value and capitalize on global aging demographics5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|14#FinancialServicesTrends2025Source:1.Capgemini World Life Insurance Report 2025;2.2024 Insurance Barometer Study,LL Global,Inc,

73、15 July 2024;3.Beinsure;Capgemini Research Institute for Financial Services analysis,2024Note:Millennials are born between 1981-1996 and Gen Z are born between 1997-2012.ImpactBackground Life insurance has shifted from a must-have to a maybe across generations,with policyholders allocating just 8%of

74、 surplus funds to increasing coverage.Insurers that address generational financial concerns and design flexible products will better engage younger customers.1 49%of Gen Z and 46%of millennials say they dont have sufficient life insurance coverage;66%of millennials cited cost as a key barrier to inv

75、esting in life insurance.This presents a significant opportunity for life insurers to engage younger adults and address their evolving financial protection needs.2,3 61%of young consumers rely on recommendations from friends,family,and agents/advisors,while 57%consider online customer reviews when p

76、urchasing life insurance.Thus,carriers prioritizing digital channel adoption can improve financial literacy and guide young consumers in purchasing decisions.1 Life insurers that become partners in young consumers financial journeys by offering life-goal-based products can foster long-term relations

77、hips,drive repeat engagements,and earn positive advocacy.To hedge against declining life insurance penetration rates,carriers must engage with younger consumers.By prioritizing flexibility,affordability,and wellness incentives,insurers can foster loyalty,boost long-term retention,and reshape the ind

78、ustrys growth trajectory.As younger consumers prefer flexible and personalized coverage,leveraging advanced analytics to gain deeper insights into their behavior and lifestyle habits will enable life insurers to offer customized coverage options,stay relevant,and enhance customer satisfaction.Custom

79、er Customer F FirstirstTrend 4Opening the youth segmentOpening the youth segmentCarriers design new,flexible,life goal-based,and engagement-driven products for younger consumers to drive the next wave of revenue5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2

80、025.All rights reserved|15#FinancialServicesTrends2025Source:1.Businesswire;2.Etiqa;Capgemini Research Institute for Financial Services analysis,2024US-based Symetra Life Insurance introduced SwiftProtector an indexed universal life product that is digitally automated from application to policy issu

81、ance.It offers guaranteed death benefit protection and index-based growth as young consumers seek flexibility over traditional policies.1EtiqaInsurance Singapore introduced iqCashSaver,a capital-guaranteed endowment plan designed to meet the evolving financial needs of young families and adults.The

82、fully digital Tiq application offers flexible plan lengths and premium options,with guaranteed capital at maturity for financial stability.2SymetraEtiqaWellness-driven growthAlign with younger consumers focus on wellness and technology by using real-time data from wearables and apps to tailor reward

83、s for insurance purchases,healthy choices,and timely payments,driving revenue growth through improved customer retentionDigital-first engagementDeploy digital tools to seamlessly integrate AI-augmented distribution and chatbots to attract younger agents while rejuvenating the customer base with incr

84、easing relevance and engagementEcosystem integrationPartner with FinTech,wellness,and lifestyle brands to offer embedded,flexible,pay-as-you-go,and microinsurance policies that align with young consumers evolving financial needsGamified customer experienceFeature AI-driven gamified experiences that

85、simulate financial scenarios about budgeting,saving,and investing to counter young peoples disinterest in life insurance.Customer Customer F FirstirstTrend 4Opening the youth segmentOpening the youth segmentCarriers design new,flexible,life goal-based,and engagement-driven products for younger consu

86、mers to drive the next wave of revenue5533101077661199224488Figure 4:Appeal to younger policyholders with goal-based solutionsHouse with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|16#FinancialServicesTrends2025Source:1.Capgemini World Life Insurance Report 2023;2

87、.Digitizing the Agent:How Life and Annuity Insurers View Their Current And Future State,Celent,29 October 2023;3.Capgemini World Life Insurance Report 2025;Capgemini Research Institute for Financial Services analysis,2024ImpactBackground With 61%of agents struggling with lead conversion and only 50%

88、of life insurers providing analytics tools,agents face difficulties leveraging unified customer views for data-driven decisions.1,2 But life insurers are expanding digital tools for agents.95%of carriers primary focus is to enhance agents digital experiences to streamline business operations,while 6

89、5%primarily focus on empowering agents to improve customer service.2 44%of life insurers prioritize intelligent agent and staff augmentation platforms to support agents in improving customer interactions and optimizing workflow processes efficiently.3 Life insurers can drive transformation by priori

90、tizing innovation through data-driven distribution and engagement,providing agents with intelligent platforms for transparent,personalized recommendations.AI-augmented workbenches provide agents with real-time customer data and predictive models,enabling proactive engagement and effectively addressi

91、ng client needs to deepen relationships.These advanced capabilities automate administrative tasks so that agents can focus on meaningful client discussions,enhance customer engagement,and create up-sell and cross-sell opportunities.Enterprise Enterprise ManagementManagementTrend 5Advisory capabiliti

92、esAdvisory capabilitiesIntelligent technologies help agents/brokers assess clients and personalize recommendations5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|17#FinancialServicesTrends2025Source:1.Allianz Life;2.Reinsurance News;Ca

93、pgemini Research Institute for Financial Services analysis,2024Allianz Life North America partnered with Ensight to launch Illustrations with Impact,a tool for agents to create interactive proposals addressing inflation,taxation,market volatility,and life expectancy.1French reinsurer SCOR teamed up

94、with AIMCOR,to launch AIMCOR QuickLife,using Techficients platform for online term life underwriting that offers agents faster,streamlined application processes.2Allianz North AmericaSCORFigure 5:Life insurers leverage intelligent technologies to empower agentsIntegrate customer viewIntelligent tech

95、nologies help agents to:Analyze vast datasets to uncover risk factors,enabling accurate risk profilingRecommendpolicyholder coverage based on their unique needsStreamline onboardingIntelligent technologies can:Automate routine tasks and inquiriesFree agents time to focus on high-impact customer enga

96、gementManage leadsAI-enabled tools empower agents to:Prioritizehigh-quality leads through customer insightsOffer personalized product recommendationsRefine engagementDigital tools help agents to:Quickly analyze customer feedback to optimize their engagement approachReduce customer churn through proa

97、ctive communicationEnterprise Enterprise ManagementManagementTrend 5Advisory capabilitiesAdvisory capabilitiesIntelligent technologies help agents/brokers assess clients and personalize recommendations5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All ri

98、ghts reserved|18#FinancialServicesTrends2025Source:1.Capgemini World Life Insurance Report 2025;2.Dimensions:Life Insurance IT Pressures&Priorities 2024:North American Edition,Celent,14 February 2024;3.Dimensions:Life&Health Insurance IT Pressures&Priorities:EMEA Edition,Celent,26 February 2024;Capg

99、emini Research Institute for Financial Services analysis,2024ImpactBackground With 37%of customers struggling with complex policy terms and unclear benefits,life insurers can strengthen customer relationships by streamlining onboarding processes across both third-party and proprietary channels to ad

100、dress these concerns.1 75%of North America(NA)life insurers have allocated a budget for Gen-AI projects or are actively researching initiatives.40%of NA life insurers and 80%of those in Europe,Middle East,and Africa(EMEA)ranked customer engagement,onboarding,and marketing as a top-three impact area

101、of Gen AI.2,3 44%of life insurers are prioritizing swift risk assessment and instant policy issuance to optimize onboarding through intelligent,data-driven distribution and rapid risk assessment.1 By leveraging intelligent,data-driven rapid risk assessment,life insurers can:Optimize onboarding for a

102、 seamless,personalized experience Enhance customer satisfaction and reduce unnecessary touchpoints.For life insurers,streamlined onboarding with advanced underwriting reduces manual processes to boost operational efficiency through higher throughput rates and lower underwriting costs.Gen AI-assisted

103、 application submission helps life insurers simplify onboarding,automate underwriting for low-risk cases,and drive financial growth through cross-selling opportunities.Enterprise Enterprise ManagementManagementTrend 6Simplified onboardingSimplified onboardingInsurers leverage a foundation of AI,Gen

104、AI,automated risk assessments,and third-party data for low-touch and personalized onboarding through intelligent underwriting5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|19#FinancialServicesTrends2025Source:1.Swiss Re;2.Nationwide;C

105、apgemini Research Institute for Financial Services analysis,2024Zurich based reinsurer Swiss Re launched Life Guide Scout,a Gen AI-powered underwriting assistant designed to empower underwriters with AI-generated responses,enabling faster and more accurate decision-making.1US-based Nationwide partne

106、red with insurtech,DigitalOwl to use AI for transforming medical records into concise summaries,augmenting life underwriting by streamlining data review and enabling quicker,more accurate assessments.2Swiss ReNationwideOnboarding and offboardingSimplify employee group onboardingand offboardingby int

107、egrating with the client firms HR communication,processes,and systemsDeploy AI-powered algorithms to streamline policy issuanceand automate payments,rapid processing,reduced wait times,and automated escalations for complex casesIntegrate data that empowers agents and brokers with AI-driven advice to

108、 personalize policyholders financial wellness solutionsDeploy intelligent chatbots to quickly resolve policyholder queries,extract policy details to foster transparency and help customers understand policy termsAutomated payments and policy issuancesAI-driven recommendation toolsIntelligent chatbots

109、Figure 6:Life insurers approach to optimize onboarding through intelligent underwriting Enterprise Enterprise ManagementManagementTrend 6Simplified onboardingSimplified onboardingInsurers leverage a foundation of AI,Gen AI,automated risk assessments,and third-party data for low-touch and personalize

110、d onboarding through intelligent underwriting5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|20#FinancialServicesTrends2025Source:1.Capgemini World Life Insurance Report 2025;2.Life&Annuity(L&A)Insurance State of the Market 2024,Everes

111、t Group,28 June 2024;3.Is Moving to Cloud Worth It?,Celent,24 June 2023;Capgemini Research Institute for Financial Services analysis,2024ImpactBackground Legacy technology is a challenge for more than half(52%)of life insurers worldwide,limiting their ability to meet customer expectations,upgrade sy

112、stems,and yield returns from core transformation investments.1 Life insurers have started to focus on core modernization,with IT outsourcing in life and annuities expected to grow from USD 24.7 billion in 2023 to USD 28 billion by 2026.2 Operational efficiency through cloud deployments tops the valu

113、e realization category,as reported by 52%of life insurers,while 60%leverage cloud for data analytics to unlock deeper insights.3 Modernized systems offer life insurers advanced analytics and real-time insights into customer preferencesto facilitate better risk assessment and faster product deploymen

114、ts,thereby reducing time-to-market and driving customer engagement.Cloud-based CRM platforms empower carriers to leverage real-time data from multiple sources,enablingpersonalized,multi-channel communications that meets policyholders needs and strengthens long-term relationships.Legacy modernization

115、 helps life insurers meet sustainability goals by achieving energy efficiency through modern systems with a reduced carbon footprint and compliance with reporting standards.Enterprise Enterprise ManagementManagementTrend 7Legacy modernizationLegacy modernizationCore system modernizations through clo

116、ud for cost savings,speed-to-market gains,sustainability impacts,and enhanced customer experiences5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|21#FinancialServicesTrends2025Source:1.Silicon Angle;2.Reinsurance News;Capgemini Researc

117、h Institute for Financial Services analysis,2024US insurer Guardian Life transitioned 80%of its applications to AWS,boosting efficiency,enhancing customer service,and establishing an AI Factory to accelerate digital transformation.1Hong Kong-based insurer FWD Group and Microsoft partnered to leverag

118、e Azure OpenAI Service to enhance customer experiences and improve operations across areas like underwriting and claims handling,supporting FWDs cloud-first strategy.2Guardian Life FWD InsuranceFigure 7:Modernized core systems add value across life insurance processes and systemsAdd Text hereCloud-b

119、ased CRM platforms enable life insurers to centrally manage policyholders data across multiple sourcesPredictive analytics and AI in cloud-based infrastructure empower life insurers with more accurate risk assessment,efficient underwriting,and faster claims resolutionLife insurers can leverage custo

120、mer insights to personalize and target communications and product recommendations based on individual personasModern core systems with advanced encryption,real-time threat detection,and automated compliance help life insurers build trust and ensure regulatory complianceCloud systems with Gen AI capa

121、bilities enable life insurers to monitor market trends,track sales,and identify cross-sell/up-sell opportunitiesData collection and managementReal-time risk assessmentProactive customer engagementData security controls Growth managementEnterprise Enterprise ManagementManagementTrend 7Legacy moderniz

122、ationLegacy modernizationCore system modernizations through cloud for cost savings,speed-to-market gains,sustainability impacts,and enhanced customer experiences5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|22#FinancialServicesTrends

123、2025Source:1.Capgemini World Retail Banking Report 2024;2.Capgemini World Life Insurance Report 2025;Capgemini Research Institute for Financial Services analysis,2024Background Consumers financial well-being is under pressure,with 72%reporting a significant impact from high inflation,according to th

124、e World Retail Banking Report 2024.1 Life insurances share of consumer wallets has eroded by 23%over 15 years,dropping from 7.5%in 2007 to 5.8%in 2023,while equities have surged from 15.9%to 23.4%.This shift reflects customers search for higher returns and market accessibility.2 Only 14%of life insu

125、rers have advanced capabilities for proactively communicating with customers.This highlights an opportunity for insurers to improve engagement by helping policyholders identify high-return investment options that address their financial needs.2 Enterprise Enterprise ManagementManagementTrend 8Retent

126、ion as a strategy Retention as a strategy Insurers seek to retain capital through customer engagement strategies in response to changing customer behaviorand evolving economic landscape5533101077661199224488Impact By transitioning from policy providers to trusted financial advisors,life insurers can

127、 offer tailored financial planning based on lifestyle changes to deepen customer engagement,reduce churn,and drive profitability by managing customer wealth:retaining existing customers is generally more cost-effective than acquiring new ones.Leveraging AI chatbots and personalized omnichannel commu

128、nication enables life insurers to strengthen relationships and boost customer satisfaction and retention through seamless self-service,timely reminders,and proactive policy management.Life insurers can harness predictive analytics to address customer needs proactively.This forward-looking approach,c

129、ombined with behavioral economic principles,has the potential to significantly boost retention rates,ensuring long-term growth in an increasingly competitive market.House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|23#FinancialServicesTrends2025Source:1.PR Ne

130、wswire;2.Mutual of Omaha;Capgemini Research Institute for Financial Services analysis,2024London-based YuLife,in collaboration with Partners&,offers group life,health,and income protection focused on customer wellbeing.This partnership drove 38%new business growth,improved retention,and achieved a 9

131、6 NPS-triple the industry average.With 73%of insured employees actively using the app,user engagement far outpaces regular health apps.1US-based Mutual of Omaha partnered with data management specialist Acxiom to launch Customer Intelligence Solution,which offers personalized messages and marketing

132、campaigns through unified data;this ensures communications reach appropriate audiences at critical moments to support data-driven decisions and customer engagement.2Yu LifeMutual of OmahaEnterprise Enterprise ManagementManagementTrend 8Retention as a strategy Retention as a strategy Insurers seek to

133、 retain capital through customer engagement strategies in response to changing customer behaviorand evolving economic landscape5533101077661199224488Figure 8:Optimize customer engagement,deliver value,and grow businessOpportunities for innovationLife insurers can partner with tech and health provide

134、rs to integrate insurance with health and wellness solutions,to proactively position themselves as policyholders well-being collaboratorsData-driven decision-makingBy leveraging customer engagement data,insurers can refine pricing,marketing,and service offerings to create a virtuous retention cycleG

135、uided financial decision-makingCarriers that leverage behavioral economics can influence policyholders financial decisions through choice framing,timely reminders,and healthy-behavior incentives to boost retention,and customers well-being and financial securityLifetime value enhancementDeep customer

136、 relationships boost policyholder lifetime valueand help to transform satisfied clients into brand ambassadors reducing acquisition costsHouse with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|24#FinancialServicesTrends2025Source:1.Capgemini World Cloud Report-Fina

137、ncial Services 2025;2.Dimensions:Life Insurance IT Pressures&Priorities 2024:North American Edition,Celent,14 February 2024;3.Dimensions:Life&Health Insurance IT Pressures&Priorities:EMEA Edition,Celent,26 February 2024;Capgemini Research Institute for Financial Services analysis,2024ImpactBackgroun

138、d Integrating and leveraging data generated from multiple third-party sources,coupled with legacy technology,brings its own set of challenges.70%of financial services organizations report challenges in protecting customer data and maintaining privacy.1 Cybersecurity remains critical:53%of North Amer

139、ican(NA)and 45%of EMEA life insurers citing it as a significant driver of their future tech investments.2,3 Budgetary allocations reflect this shift,with cybersecurity spending in life insurance expected to increase by 8.6%in North America and 5.8%in EMEA in 2024,underscoring its growing strategic i

140、mportance.2,3 Enhanced cybersecurity measures strengthen the integrity and reliability of policy servicing,promoting transparency that assures policyholders their sensitive data is secure,and encouraging greater confidence and willingness to share.For life insurers,increasing reliance on third-party

141、 providers heightens the need for stringent cybersecurity practices.Implementing AI-powered cybersecurity tools enables secure data exchange,real-time threat monitoring,and automated updates-helping to preempt evolving threats,reduce fraud losses,and cut operational costs through greater efficiency

142、and minimized downtime Robust cybersecurity practices are critical for regulatory compliance including GDPR and HPAA,helping insurers avoid penalties,lawsuits,and reputational damage while reducing vulnerability to ransomware and data breaches.Intelligent Intelligent IndustryIndustryTrend 9Fortified

143、 securityFortified securityWith third-party integration and data breaches on the rise,insurers fortify security to protect clients and build trust5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|25#FinancialServicesTrends2025Source:1.Sp

144、lunk;2.Aviva;Capgemini Research Institute for Financial Services analysis,2024In the US,Mississippi-based Southern Farm Bureau Life Insurance partnered with Splunk to implement Splunk Attack Analyzer to cut investigation time for suspicious emails,URLs,and files from 20 to 5 minutes for analysis,coo

145、rdination,and response,resulting in better protection of customers sensitive data.1UK insurer Aviva launched a cybersecurity initiative that actively monitors the threat environment and enhances IT infrastructure and cyber controls to effectively identify,detect,and prevent cyberattacks.Aninternal e

146、thical hacking team regularly tests cyber defenses to keep systems secure.2Southern Farm Bureau Life InsuranceAvivaFigure 9:Robust cybersecurity creates win-win outcomes for life insurers and policyholdersImproved customer experienceAdvanced threat detectionSecured internal operationsRegular vulnera

147、bility assessments and employee training on emerging cyber threats enhance insurers visibility into potential risks,including third-party data breaches,reinforcing defenses and fostering trust among policyholdersIntegrate advanced fraud detection tools and secure access to third-party databases to v

148、erify data,identify false claims,and reduce payoutsto streamline operations and improve customer experienceAdvanced security methods like biometrics and facial recognition can help improve onboardingand enhance customer experience while strengthening risk management and ensuring business continuity

149、during cyber threatsIntelligent Intelligent IndustryIndustryTrend 9Fortified securityFortified securityWith third-party integration and data breaches on the rise,insurers fortify security to protect clients and build trust5533101077661199224488House with solid fillCapgemini FS Top Trends 2025Public

150、Capgemini 2025.All rights reserved|26#FinancialServicesTrends2025Source:1.Capgemini World Life Insurance Report 2025;Capgemini Research Institute for Financial Services analysis,2024Background Customer frustration with claims processes remains a critical pain point,with 35%of individual customers fi

151、nding them complex and 38%of group customers finding it difficult to understand their claim status and requirements.1 With only 10%of life insurers offering digital claims submission,and 12%using workforce copilots and agent empathy training,a significant opportunity exists for life insurers to enha

152、nce customer experience and streamline operations.1 Forward-thinking insurers are taking note:38%prioritize deployingintelligent claims platforms to streamline processes and enhance customer experience.1Intelligent Intelligent IndustryIndustryTrend 10Claims as growth toolClaims as growth toolInvestm

153、ents in empathetic and intelligent claims processes enhance the beneficiary experience and encourage reinvestment with the insurer5533101077661199224488Impact Advanced digital capabilities enable insurers to deliver personalized,empathetic claims experiences at scale,potentially transforming a tradi

154、tionally negative touchpoint into a loyalty-building opportunity Life insurers can use modern technologies to analyze claims data and support beneficiaries during grief,building trust through personalized assistance.Through an empathetic approach,insurers foster lasting relationships,encouraging ben

155、eficiaries to choose them for future financial decisions.Advanced analytics empower life insurers to analyze claims data for patterns and anomalies,minimizing fraud-related losses while streamlining genuine claims to enhance customer satisfaction and operational efficiency.House with solid fillCapge

156、mini FS Top Trends 2025Public Capgemini 2025.All rights reserved|27#FinancialServicesTrends2025Source:1.NewYork Life;2.Swiss Re;3.Swiss Re;Capgemini Research Institute for Financial Services analysis,2024New York Life partnered with Empathy(an organization that guides families that have lost a loved

157、 one)and launched a digital portal for employer-sponsored life insurance claims that seamlessly streamlined processes and connected beneficiaries to essential support.1Swiss Re developed a behavioral science-driven Automated Claims Experience portal with digital intake,easy document uploads,automate

158、d follow-ups,and real-time status updates.This streamlined process reduced call traffic,allowing agents to focus on more value-added activities for policyholders.2,3New York LifeSwiss ReIntelligent Intelligent IndustryIndustryTrend 10Claims as growth toolClaims as growth toolInvestments in empatheti

159、c and intelligent claims processes enhance the beneficiary experience and encourage reinvestment with the insurer5533101077661199224488Figure 10:Intelligent claims can pave the way for the next wave of revenueAsset ManagementEarly beneficiary engagement via AI-driven digital channels allows insurers

160、 to leverage claims data,personalizing communication to foster trust and boost asset retention through reinvestment opportunitiesEmpathetic workforceEmpathy-focused staff training,combined with intelligent claims systems,enables insurers to elevate customer experience through seamless approachesDigi

161、tal transformation acceleratorLeveraging modern technologies,the claims process-being a key customer touchpoint-drives digital transformationacross and strengthens the insurance value chainProduct developmentInsight from claims data enable life insurers to identify customer trends and emerging prefe

162、rences,so they can tailor products to enhance relevance and appeal across diverse customer segmentsHouse with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|28#FinancialServicesTrends2025Partner with CapgeminiAgency Digitization Ease of Doing BusinessTake the ease of

163、 doing business to the next level powered by digital agency:Formulate a technology-driven agent/customer experience strategy as a competitive differentiator.With Capgemini,get to the bottom of structural IT challenges,and build a blueprint that features all ecosystem capabilities,process transformat

164、ion,and AI-based enhancements for operational success.A single unified front-end experience for sales across all lines of business will catalyze success through targeted use of automated workflows,data fill,and muti-line functionality.AI-Assisted Legacy MigrationMigrate legacy with AI-first tools an

165、d frameworks:Harness the value of Gen AI/AI to extract processing logic and rules from legacy administrative systems.Modernization will meet timeline expectations cost-effectively with higher quality than traditional methods.Capgemini will help migrate your operations to a modern cloud-based environ

166、ment,redesign related service processes,and retrain and rationalize staff,as necessary.Data Estate ModernizationModernize data estate infrastructure for secure and always available data:Liberate the total value of data investments by ramping up the use,adoption,and availability of data assets while

167、saving money through automation.We will help achieve desired outcomes through automated data extraction and transformation.We will load business-relevant cadences from legacy systems into centralized cloud-based data lakes with standardized integration and API layers.Integrated Wealth and Asset Mana

168、gementElevate products to capture present and future growth:Reinvent products with new,scalable services to attract evolving customer segments,building a personalized and human-centered relationship.Employ Capgeminis 360capability across strategy,business,applications,and infrastructure to innovate

169、new integrated wealth and asset management business models,empower advisors,embrace sustainability,and onboard wealth-as-a-service.We bring end-to-end expertise across front,middle,and back-office functions needed for such complex and multi-geography projects.Public Capgemini 2025.All rights reserve

170、d|28House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|29#FinancialServicesTrends2025AsktheexpertsAdam DenningerGlobal Industry Leader for IAdam Denninger leads Capgeminis global strategy,offers,and go-to-market for the insurance industry.Adam has spent 20+yea

171、rs creating business and technology strategies and solutions to transform the operating capabilities of leading insurersKiran BoosamGlobal Portfolio Leader for IKiran Boosam leads Capgeminis Global Insurance Portfolio.A career P&C and life insurance expert,Kiran assesses the industry dynamics,foreca

172、sts Insurance CXOs strategies,shapes fitting innovative portfolios,and enables key accounts to leverage the power of the Capgemini Group,external ecosystems,and emerging technologiesNathan SummersManaging Director of Financial Services,Capgemini INathan Summers is the Managing Director of Financial

173、Services at Capgemini Invent.He has more than 25 years of consulting leadership experience and works with senior client leaders on group strategy and strategic transformation initiativesLuca RussignanHead of Insurance and Deputy Head of Capgemini Research Institute for Financial SLuca Russignan is a

174、n insurance expert with more than 15 years of experience with industry-leading consultancies and insurers.At Capgemini,he enables CXO conversations in the insurance sector through data-driven thought leadership to shape insurance business strategy.Shane CassidyInsurance Business Unit LShane Cassidy

175、is the head of Capgeminis Global Insurance Business Unit.Shane has been at the forefront of digital disruption and innovation for two decades,identifying and developing solutions to address the market evolutionElias GhanemGlobal Head of Capgemini Research Institute for Financial SElias Ghanem leads

176、Capgeminis global portfolio of financial services thought leadership.He oversees a team of strategy consultants and sector analysts who deliver market insights to help clients build future-proofing strategies.He has more than 25 years of financial services experience,focusing on win-win collaboratio

177、n between incumbents and startups.Samantha ChowGlobal Life and Annuity Sector LSamantha Chow is an expert in the global life,annuity,and benefits markets and has 25 years of experience.She has deep expertise in driving the growth of enterprise-wide capabilities that facilitate transformational and c

178、ultural change,focusing on customer experience,operational efficiency,legacy modernization,and innovation to support competitive advancementLotfi BaccoucheCo-lead of Insurance Practice,Capgemini ILotfi Baccouche is co-leading Capgemini Invent insurance practice globally.He advises major insurance fi

179、rms on business strategy and operating models.He supports insurance firms in improving their operational efficiencies and risk profiles by developing and implementing technologically enabled solutionsHouse with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|30#Financ

180、ialServicesTrends2025Key contactsItalyMatteo BLorenzo Busca JapanKazuhira TAtsushi TLatAMRicardo ARenata Ramos PortugalGuilherme Duro Barroso guilherme.durao-Laura Magalhaes SE AsiaSivakumar VLaurent Liotard-Vogt laurent.liotard-SpainJordi Valls Ribasjordi.valls-Antonio Luis Nuez Pitera antonio-luis

181、.nunez-The NetherlandsJimut Basa Ewout BAustralia and New ZealandRoshnai Chaudhuri Saugata Ghosh BelgiumJan Verlinden Patricia Boydens Sanjay JFranceThierry LLena Pastor GermanyAlexander PThomas Hillar NordicsJimut Basa Johan Bergstrm(Sweden,Finland,Denmark)Cecilie Vatn(Norway)UKSree Vishala Ravipat

182、isree-Lotfi Baccouche IndiaAarti Rao Ujjwalita PUSA and CanadaSamantha Chow Lars BShane Cassidy Adam DGlobalIan Campos Nathan Summers House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|31#FinancialServicesTrends2025AcknowledgementsWe want to thank the followin

183、g teams and individuals for helping to create,produce,and promote Life Insurance Top Trends 2025Capgemini Research Institute for Financial Services:Elias Ghanem,Luca Russignan,Vivek Singh for their overall leadership.Tamara McKinney Berry for editorial contributions and content leadership.Chayan Ban

184、dyopadhyay and Aranya Adak for project management.Satavisa Roy for in-depth market analysis,research and compilation of insights.Dinesh Dhandapani Dhesigan for graphical interpretation and design.Capgeminis global Insurance Network:Cyril Francois,Kartik Ramakrishnan,Pierre-Olivier Boue,Shinichi Tono

185、mura,Shane Cassidy,Adam Denninger,Samantha Chow,Kiran Boosam,Nathan Summers,Lotfi Baccouche,Thierry Loras,Ian Campos,Vijaydeep Singh,Vikash Kumar Singh,Divij Chopra,Doli Karmakar,Nagaraj Ranga;we offer special thanks to all our executives who contributed their valuable time during the Life Insurance

186、 Top Trends 2025 survey.Marketing and Promotion:Meghala Nair,Jyoti Goyal,David Merrill,Neha George,Fahd Pasha,Manasi Sakpal,Anthony Tourville,Manisha Singh for their overall marketing support for the trends book;the Creative Services Team:SushmithaKunaparaju,Pravin Kimbahune,Sushmita Singh and Chira

187、ntan Kulkarni for trends book production;and Tejaswini Tadepalli and Rohan Nair for enabling the promotion of the trends book.House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|32#FinancialServicesTrends2025Capgemini Research Institute for Financial Services 2

188、024-2025 calendarWORLDWEALTH REPORT 2024WORLDPAYMENTS REPORT 2025WORLDP&C INSURANCE REPORT 2024SUSTAINABILITYPOINT OF VIEWTRENDS BOOKS2024WORLDLIFE INSURANCE REPORT 2025WORLDRETAIL BANKING REPORT 2024WORLDCLOUD FOR FSREPORT 202515 Jan 202405 Mar 202417 Apr 202405 Jun 202410 Sep 202423 Sep 202415 Oct

189、 202414 Nov 20243rd edition2ndeditionHow insurers can regain relevancy by putting customers back at the coreBecome a leader by seizing the instant payment opportunityHow can underwriting transformation unlock efficiency,accuracy and better CXHow can banks become intelligent to deliver frictionless a

190、nd personalized experiencesDriving operational efficiency and topline innovation in financial services with the Cloud28th edition17th edition20th edition20th edition10th editionDriving sustainability reporting,compliance,and business growth in FS through enhanced ESG data managementInsuranceBankingH

191、ow can wealth management firms capitalize on the UHNWI segment2ndeditionHouse with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|33#FinancialServicesTrends2025Download the Capgemini FS Top 10 trendsDownload the Capgemini FS Top 10 trendsShare your feedback and stay

192、up to date with our Insurance industry researchPoint of ViewProperty&casualtyLifeCloud for FSWorld reportsTrends booksLatestLatestLatestDriving growth in the evolving mobility ecosystemChart your transformation across a shifting risk landscapeHow trust and engagement can unlock growth for insurersEn

193、sure life insurance relevancy through relentless customer centricityCreate business value in an innovation-powered futureSustainabilityPreviousPreviousPreviousA palm trees on a beachDescription automatically generatedYour feedback matters Subscribe to receive Capgemini financial services thought lea

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195、s2025Reach out to the Capgemini Research Institute for Financial ServicesCapgemini Research InstituteFinancial ServicesTREND BOOKSCapgemini Research InstituteFinancial ServicesWORLD REPORTSCapgemini Research InstituteOTHER BUSINESS SECTORSContact usElias Ghanem Global HeadCapgemini Research Institut

196、e for Financial SGet The Future You Want|Luca RussignanDeputy Head,Head of InsuranceCapgemini Research Institute for Financial SSamantha ChowGlobal Life and Annuity Sector LThought leadership that empowers financial services Thought leadership that empowers financial services executives to make insi

197、ghtsexecutives to make insights-driven business decisionsdriven business decisionsThe Capgemini Research Institute for Financial Services is the in-house think tank focused on digital,innovation,and technology issues impacting banks,wealth management firms,payments players and insurers.The Institute

198、 annually publishes its signature Financial Services World Reports series that draw on voice of the customer surveys,CxO interviews,and partnerships with technology companies as well as academia to uncover emerging trends and explore how AI,cloud,data,and digitalization are driving transformative bu

199、siness outcomes.Supported by time-series global datasets,our industry experts offer actionable insights,trend analyses,and innovative solutions to address the dynamic challenges of financial institutions in a fast-changing global economy.Dont miss out.Subscribe to receive reports as they launch.Visi

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201、nd is the property of the Capgemini Group.Copyright 2025 Capgemini.All rights reserved.About CapgeminiCapgemini is a global business and technology transformation partner,helping organizations to accelerate their dual transition to a digital and sustainable world,while creating tangible impact for e

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