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1、January 2025RESEARCH INSTITUTECapgemini Financial ServicesTop Trends 2025Property and Casualty 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 reser

2、ved|3#FinancialServicesTrends2025The Capgemini FS Top Trends 2025 span three broad themesTransforming customer experience focusing on omnichannel interactions and the value of products and servicesRevamping processes,teams,solutions,and operations to run enterprises with greater agility and operatio

3、nal efficiency to optimize the cost of doing businessLeveraging the most modern solutions to deliver an end-to-end digital experience that transforms the value chain from design to delivery of intelligent products and servicesCustomer FirstEnterprise ManagementIntelligent IndustryHouse with solid fi

4、llCapgemini FS Top 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 marke

5、ts with potentialCustomer 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 dist

6、ribution partner 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 ed

7、geHigh-speed pricing: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 l

8、eaders prioritize 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 compan

9、ies help insurers 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

10、financial successResponsible 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 heal

11、th-benefit advisorsLegacy 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 cus

12、tomer experienceExpanded 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 rob

13、ust security for 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 F

14、irstIntelligent IndustryEnterprise 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 beyo

15、nd carbon emissions: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 greenhush

16、ing:Financial Institutions 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 s

17、ervice opportunities: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 regu

18、lation:Enhanced regulatory 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 InsuranceMo

19、dern experiences: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 evo

20、lving economic landscapeClaims 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

21、clients and build 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 per

22、sonalize recommendationsCustomer 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 yout

23、h segment:Carriers 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 experiencesHo

24、use with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|6#FinancialServicesTrends2025Customer centricity:Carriers rebuild experiences,journeys,and offers around customers,to maximize win rates,cross-sell,and up-sellA focus on policies in force:Personal lines leaders

25、focus on growing policies in force,in a switch from past efforts to“re-underwrite the book”Underwriting workbenches:Commercial lines insurers invest in cutting-edge,robust underwriting platforms to gain a competitive advantageCost take-out:Insurers shifting operating models and technology strategies

26、 to find scaled efficienciesHigh-speed pricing:Insurers build capabilities for high-speed recalibration of risk models and pricing to keep up with market changesBroker and agent engagement:Carriers drive distribution partner engagement and loyalty through simple,fast,and easy experiencesProcess revo

27、lution:Artificial intelligence and Gen AI streamline processes across the value chainStrengthened security:Insurers invest in security capabilities to protect themselves from massive breachesValue from data:Data estate renovations make the right data available where and when needed,across the value

28、chainNiche markets for innovation:Carriers explore innovative offers in cyber,pet,parametric,and other small markets with reasonable potentialP&C Insurance Top Trends 2025 Priority MatrixMEDIUMHIGHSIGNIFICANTAdoption priority 2025Business impact 2025MEDIUMHIGHSIGNIFICANT22881177556644331010992211556

29、644338877101099CapgeminisPriority Matrixoutlines 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 cus

30、tomer centricity due to the impact of new-age 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 experienc

31、e(CX),operational excellence,regulatory compliance,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 2025Publ

32、ic Capgemini 2025.All rights reserved|8#FinancialServicesTrends2025ImpactBackground Customer engagement is a strategic imperative.Acquiring a new customer in insurance is five times more costly than keeping a current customer.1 As policyholder expectations evolve,the product-centric insurance era is

33、 over.To hedge against fragmented experiences and missed engagement opportunities,insurers are now prioritizing seamless interactions and personalized CX across all touchpoints.A majority(63%)of policyholders are willing to share more data to secure policy transparency and discounts.Insurers can sei

34、ze this opportunity to enhance customer centricity through personalization.2 By harnessing the power of data analytics,insurers can personalize proposals to deeply resonate with customers,driving higher win and retention rates.Insurers can leverage sensor data to unlock actionable customer insights.

35、By gaining a deeper understanding of policyholder behaviors,insurers can tailor offerings,optimize pricing,and drive significant growth through increased conversions,cross-selling,and up-selling.Customer-centric insurers can unlock new revenue streams and bolster customer loyalty by offering persona

36、lized products and value-added services like real-time alerts and predictive maintenance,positioning themselves as risk preventers versus simple claim processors.Source:1.Capgemini;2.Capgemini World Property&Casualty Insurance Report 2024;Capgemini Research Institute for Financial Services analysis,

37、2024Customer Customer F FirstirstTrend 1Customer centricityCustomer centricityCarriers rebuild experiences,journeys,and offers around customers,to maximize win rates,cross-sell,and up-sell2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved

38、|9#FinancialServicesTrends2025Customer Customer F FirstirstTrend 1Customer centricityCustomer centricityCarriers rebuild experiences,journeys,and offers around customers,to maximize win rates,cross-sell,and up-sellFigure 1:Key strategies to enhance the customer journeySource:1.State Farm;2.Zurich;Ca

39、pgemini Research Institute for Financial Services analysis,2024US insurer State Farm added an Accident Assistance feature to its Drive Safe&Save app that arranges necessary services after a collision.Providing support during challenging times has enhanced customer satisfaction.1Zurich UKs Hello Zuri

40、ch video and WhatsApp messaging services reduced claim time to 13 minutes and drove a 400%customer adoption growth,to enhance customer engagement.2State FarmZurichPersonalized insurance productsUse AI and data analytics to personalize products and communications.This will boost conversion rates and

41、retention,which in turn will drive revenue and customer loyalty.Leverage AI-driven platforms to send personalized messages and offers,enhancing customer engagement and loyalty.This strategy can boost satisfaction,retention,and lifetime value.Proactive engagementDevelop intuitive mobile apps and webs

42、ites for customers to easily manage their policiesseamlessly across all channels,drivinghigher customer retention and acquisition.Seamless digital experienceStreamline and expedite claims processing using AI to reduce turnaround time and errors to improvecustomer satisfaction andoperational efficien

43、cy.Enhanced claims processTailor rewards and loyalty programs to engage policyholders and foster lifetime value andlong-term relationships.Customized rewards and loyalty programs2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|10#Financ

44、ialServicesTrends2025ImpactBackground US personal auto and homeowners premiums rose by over 13%in 2023.Meanwhile,UK motor premiums surged 34%from Q4 2022 to Q4 2023.As carriers raised prices and restricted underwriting,policies in force(PIF)went down for most carriers in 2022-2023,resulting in fewer

45、 customers.1,2 Our World P&C Insurance Report 2024 revealed that 27%of personal line policyholders switched providers after two years,seeking lower premiums(60%)and better coverage(53%).Insurers should shift their focus from rate hikes to retaining and expanding their existing policyholder base or b

46、usiness viability will be threatened.3 Better distribution and segmentation of risks,using advanced data analytics and pricing models,to find better pricing for some groups allows insurers to grow their policy count prudently,balancing risk and profitability.As PIF volume grows,insurers must effecti

47、vely scale operations including claims processing,customer service,and policy administration.Investment in automation,digital tools,and process optimization will be required to handle increased volumes without sacrificing service quality.New technologies have equipped insurers to efficiently target

48、the right customers with the right risk profiles.This precision targeting maximizes customer lifetime value by leveraging data analytics and AI to identify cross-selling and upselling opportunities,enabling insurers to expand their policyholder base through deepening relationships.A larger policy da

49、taset enhances analytics.Insurers can leverage AI and predictive analytics to identify trends,forecast needs,and adjust offerings;this capability improves underwriting accuracy,risk assessment,and pricing strategies.Enhanced data insights also help identify emerging risks for proactive management an

50、d innovation.Source:1.Swiss Re;2.Association of British Insurers;3.Capgemini World Property&Casualty Insurance Report 2024;Capgemini Research Institute for Financial Services analysis,2024Customer Customer F FirstirstTrend 2A focus on policies in forceA focus on policies in forcePersonal lines leade

51、rs focus on growing policies in force(PIF),in a switch from past efforts to“re-underwrite the book”2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|11#FinancialServicesTrends2025Source:1.Zurich;2.Nationwide;Capgemini Research Institute

52、for Financial Services analysis,2024Zurich UK refocused its personal lines,home insurance,and motor insuranceto maximize growth in the high-net-worth market throughZurich Private Clients,MGA,and partnership channels,leveraging its strong market relationships.1Nationwide partnered with Arizona based

53、smart home solutions provider Resideo to integrate smart technology to reduce claims,improve customer satisfaction,and boost policyholder retention and acquisition.2ZurichNationwideFigure 2:Strategies for customer-base expansion beyond price adjustmentsCustomer acquisition and retentionEnhanced cust

54、omer experienceExpanded distribution channelsImplement AI-driven personalization in customer interactions,offering tailored policy recommendations.Streamline the claims process with digital tools.Collaborate with partners in auto dealerships,home sales,and online marketplaces to offer embedded insur

55、ance options.Empower agents and brokers through digital platforms and marketing campaigns for wider reach.Product innovation and bundlingIntroduce innovative products such as usage-based auto insurance and gig economy protection.Offer multi-policy discounts and explore cross-sell opportunities by bu

56、ndling products.Competitive pricing and value propositionUse predictive analytics and customer segmentation for targeted marketing.Invest in digital engagement through mobile apps and customer portals.Leverage agents and brokers to build relationships and provide personalized recommendations.Utilize

57、 dynamic pricing models and telematics data to offer competitive rates.Emphasize unique value proposition such as superior claims service and customer-centric benefits.Customer Customer F FirstirstTrend 2A focus on policies in forceA focus on policies in forcePersonal lines leaders focus on growing

58、policies in force(PIF),in a switch from past efforts to“re-underwrite the book”2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|12#FinancialServicesTrends2025ImpactBackground Globally,commercial line premiums grew only 2.4%in 2023 compa

59、red with6%for personal lines.US commercial premiums rose by only5%in Q1 24 compared with 15%for personal lines and 10%for the industryoverall.However,the industry combined ratio improved to 94%in Q1 24 amid greater underwriting discipline in both personal and commercial lines.1,2 Streamlining underw

60、riting processes are critical to adapt to this rapidly evolving insurance landscape,particularly as underwriters spend 41%of their time on administrative and operational tasks.3 Insurance trailblazers lead the charge in underwriting optimization,with 65%having mature,digitalized workbenches for unde

61、rwriters compared with only 19%of mainstream carriers.Trailblazers benefit from high underwriting efficiency and accuracy that boost growth potential.3,4 Underwriting workbenches enable real-time access to relevant data on a unified platform and streamline processes for underwriters struggling with

62、data integration.Commercial insurers can make informed decisions and price policies appropriately.Artificial intelligence and automation capabilities embedded in workbenches significantly bolster operational efficiency and customer experience by helping commercial insurers swiftly draft policies,red

63、uce response times,and automate broker communication.These solutions play a crucial role in talent development and retention.By automating routine tasks,these platforms allow underwriters to focus on complex risk analysis and strategic decision-making.This enhances job satisfaction and professional

64、growth.Source:1.Swiss Re;2.Swiss Re;3.Capgemini World Property&Casualty Insurance Report 2024;Capgemini Research Institute for Financial Services analysis,2024 Note:4.Underwriting Trailblazers leverage data-driven automated underwriting,embed 3rd-party with traditional data and exhibit strong intern

65、al collaborationEnterprise Enterprise ManagementManagementTrend 3Underwriting workbenchesUnderwriting workbenchesCommercial lines insurers invest in cutting-edge,robust underwriting platforms to gain a competitive advantage2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public

66、 Capgemini 2025.All rights reserved|13#FinancialServicesTrends2025Markel UK partnered with Cytora to digitize its underwriting process using AI,reducing quote turnaround time from one day to two hours and boosting productivity by 113%.1Munich Re Specialty of North America,adopted an underwriting pla

67、tform to support its rapid US expansion by enabling underwriters to focus on high ROI opportunities and optimally select risk.2MarkelMunich ReFigure 3:Workbenches enhance commercial underwriters journeyQuote request anddata collectionUnderwriters uses workbench to:Automate data gathering and standar

68、dization from various sourcesManage operations efficientlyRisk assessmentUnderwriter utilize workbench data intelligence and key insight features to:Conduct robust risk assessmentBoost assessment accuracyDecision-making and quote generationWorkbench helps underwriters:Create quotes swiftlythrough au

69、tomated rules enginesSend quotes to brokers in customizable formats as requiredValue-added relationshipsOmnichannel communications help underwriters:Act faster on broker feedbackFree up time forhigh-value customer engagements$Source:1.iireporter;2.Reinsurance News;Capgemini Research Institute for Fi

70、nancial Services analysis,2024Enterprise Enterprise ManagementManagementTrend 3Underwriting workbenchesUnderwriting workbenchesCommercial lines insurers invest in cutting-edge,robust underwriting platforms to gain a competitive advantage2288117755664433101099House with solid fillCapgemini FS Top Tre

71、nds 2025Public Capgemini 2025.All rights reserved|14#FinancialServicesTrends2025BackgroundEnterprise Enterprise ManagementManagementTrend 4HighHigh-speed pricingspeed pricingInsurers build capabilities for high-speed recalibration of risk models and pricing to keep up with market changes Telematics

72、and digital tools are transforming insurance,enabling real-time driving data collection for accurate,personalized premiums.In fact,72%of commercial insurers offer or plan to offer telematics-based products.1 Simultaneously,the rising frequency and severity of natural disasters have resulted in subst

73、antial economic losses,reaching USD 280 billion in 2023.Insured losses(at USD 108 billion)covered 40%of customer loss,higher than the previous decade average USD 89 billion.More carriers are expected to update their models to incorporate climate related risks and appropriate pricing.2 In addition,po

74、licyholders continue to demand personalized insurance pricing.Our World P&C Insurance Report 2023 customer survey found that 73%of policyholders seek personalized pricing.3Source:1.Insurance Journal;2.Swiss Re;3.Capgemini World Property&Casualty Insurance Report 2023;Capgemini Research Institute for

75、 Financial Services analysis,2024Impact Insurers with advanced high-speed pricing capabilities can react more quickly to market changes,potentially gaining a competitive edge.Frequent and granular price adjustments increase overall pricing volatility.Smaller insurers may struggle to keep pace,potent

76、ially leading to market consolidation.High-speed pricing enables rapid integration of new data sources and risk factors for accurate risk assessment and pricing.Policyholders benefit from pricing that reflects their individual risk profiles more precisely,although concerns about fairness and potenti

77、al price discrimination may result.Consumers often expect the flexible pricing they experience in other industries,leading to increased shopping and switching behavior.Clear communication about pricing changes will be crucial in 2025 and beyond.There may be a growing demand for flexible,usage-based

78、insurance products leveraging high-speed pricing capabilities.2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|15#FinancialServicesTrends2025Enterprise Enterprise ManagementManagementTrend 4HighHigh-speed pricingspeed pricingInsurers bu

79、ild capabilities for high-speed recalibration of risk models and pricing to keep up with market changesSource:1.hyperexponential;2.Reinsurance news;Capgemini Research Institute for Financial Services analysis,2024The Global Corporate and Specialty(GCS)team from UK insurer Aviva partnered with UK bas

80、ed insurance-pricing specialist hyperexponential to implement the hx Renew pricing platform,which cut Avivas build time by 75%and created 20 new models in nine months,freeing up time for actuarial tasks and business analysis.1US insurer Amica Mutual and ZestyAI,a provider of climate and property ris

81、k analytics solutions,expanded their partnership to improve climate-related property risk evaluations using predictive analytics models to bolster risk management and informed underwriting.2AvivaAmicaFigure 4:Approach for recalibrating risk models in P&C insuranceAutomated systemsDrive automation wi

82、th AI to streamline the recalibration process and ensure rapid response to market fluctuations reducing time and effort to update models.Collaborative platformsUtilize cloud-based platforms to enable seamless collaboration among underwriters,actuaries and data scientists to ensure accurate recalibra

83、tions aligned with market demands.Data processingContinuously gather and integrate data from various sources,using advanced data integration and machine learning(ML)algorithms to adjust risk models in real time.Agile frameworksAdopt agile methodologies to enhance flexibility and make swift adjustmen

84、ts for regulatory compliance,economic shifts and new risk factors.2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|16#FinancialServicesTrends2025ImpactBackground The P&C insurance industry faces ongoing profitability challenges,with the

85、 2023 underwriting combined ratio at 102.3%.However,significant rate increase,and transformation efforts are expected to drive this ratio below 98%by 2025.1,2 Cost reduction remains a top priority,with over 80%of P&C insurers in North America and EMEA considering it a significant or moderate priorit

86、y.3,4 Despite ongoing attempts,meaningful productivity improvements have eluded the industry with just 2.4%profitability for commercial lines and 6%profitability for personal lines in 2023,highlighting the need for transformative approaches.2 Automation and digitalization through RPA,AI,and ML enabl

87、e insurers to streamline claims processing,underwriting,and customer service andreduce operational expenses.Adopting a cost-efficiency framework backed by these technologies and a unified platform can help P&C insurers achieve efficiency on a global scale.Insurers are improving efficiencies locally,

88、but scaling globally remains challenging.The rise of Gen AI presents a promising opportunity to overcome these barriers,enabling insurers to unlock scaled efficiencies and enhance cost-effectiveness across regions.Achieving substantial cost efficiencies could drive significant market capitalization

89、growth,potentially reshaping industry leadership and attracting new capital.Source:1.beinsure;2.Swiss Re;3.Dimensions:P&C IT Pressures&Priorities:EMEA Edition,Celent,25 February 2024;4.Dimensions:North American P&C Insurance IT Pressures&Priorities 2024,Celent,20 February 2024;Capgemini Research Ins

90、titute for Financial Services analysis,2024 Enterprise Enterprise ManagementManagementTrend 5Cost takeCost take-outoutInsurers shifting operating models and technology strategies to find scaled efficiencies2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.A

91、ll rights reserved|17#FinancialServicesTrends2025Source:1.Allianz;2.AIG;Capgemini Research Institute for Financial Services analysis,2024Allianz Asia Pacific(AZAP)launched a regional delivery center(RDC)in Kuala Lumpur,Malaysia jointly structured with Allianz Technology SE to enhance operational eff

92、iciency and customer experience through modernizing IT services.1AIG launched an initiative focused on innovation and long-term strategic transformation,AIG Next,with a target of generating USD 500 million in annual savings by streamlining operations using digital technologies like AI,data analytics

93、,and automation.2AllianzAIGFigure 5:Strategies for transformative efficiencyStructural simplificationRadically simplify organizational structures and product portfolios to reduce complexity and associated costs,potentially improving agility and market responsiveness while breaking silos.Leverage eco

94、system partnerships and strategic outsourcing to access specialized capabilities and achieve variable cost structures,reducing fixed overheads,e.g.,externalize part of the value chain.Strategic sourcing and partnershipsImplement a cloud-native,API-driven architecture to enable flexible,modular opera

95、tions that can scale efficiently and adapt quickly to market changes;rebalance IT spending from maintenance to innovation.Technology-enabled operating modelLeverage technologies like predictive analytics and machine learning to streamline both underwriting and claims processes for instant risk asses

96、sment and quick claim settlement.Straight through processing and data-driven decision makingConsider which costs contribute to the bottom line and generate value,versusthose that are bad costs to decide which ones should be prioritized for cost-cutting.Focus on good versus bad costsEnterprise Enterp

97、rise ManagementManagementTrend 5Cost takeCost take-outoutInsurers shifting operating models and technology strategies to find scaled efficiencies2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|18#FinancialServicesTrends2025ImpactBackgr

98、ound Premiums written by brokers(2024 to 2028)are projected to grow globally at a 7.8%CAGRand are expected to reach USD 1.8 trillion by 2028.In 2023,independent agents and brokers dominated P&C distribution,accounting for 82-87%of commercial line premiums in both the UK and United States.1,2,3 Altho

99、ugh 93%of P&C insurers want to streamline business with agents,51%rate their digitization efforts as average or less than average.4 To close this gap insurers are making substantial investments in digital tools and training programs.To enhance agent capabilities and loyalty,65%of insurers offer comp

100、rehensive training programs.4 Digital tools like policy management systems,claims processing software,and CRM platforms reduce administrative tasks and allow agents to focus on sales and policyholder relationships that boost productivity and customer satisfaction.Data analytics tools help agents off

101、er policyholders personalized advice that boosts insurers market positionand customerloyalty.Enhanced agent capabilities also enable more relevant solutions that opencross-selling opportunities andreduce churn.Insurers that provide agents and brokers with on-demand training through digital platforms

102、 to keep them up todate and knowledgeable so they can deliver deliver high-quality service and ensure compliance.Training keeps agents engaged and loyal to the organization.Source:1.2024 Global Insurance Broker Market Report,GobalData,April 2024,reproduced under license from GlobalData PLC,copyright

103、 2024;2.UK Insurance Brokers Report 2024,GlobalData,July 2024,reproduced under license from GlobalDataPLC,copyright 2024;3.Insurance Journal;4.Digitizing the Agent:How Property&Casualty Insurers View Their Current And Future State,Celent,29 October,2023;Capgemini Research Institute for Financial Ser

104、vices analysis,2024Enterprise Enterprise ManagementManagementTrend 6Broker and agent engagementBroker and agent engagementCarriers drive distribution partner engagement and loyalty through simple,fast,and easy experiences2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public C

105、apgemini 2025.All rights reserved|19#FinancialServicesTrends2025RSA Insurance launched an enhanced broker and customer claims portal powered by Guidewire Cloud to streamline the claims process,offering features like real-time status updates,live chat support,and automated communications to improve e

106、fficiency and user experience.1US insurer The Hartford launched digital submission tools for agents and brokers for easier data sharing and quote requests to save time and increase accuracy for general liability,auto,property,and workers compensation coverage.2RSA InsuranceThe HartfordSource:1.Reins

107、urance News;2.The Hartford;Capgemini Research Institute for Financial Services analysis,2024Figure 6:Enhancing P&C insurance agents journey with digital toolsClient relationship managementPolicy quoting and managementClaims handling and supportContinuing education and professional developmentInsurer

108、s that integrate external data sources can provide more accurate and faster quotes.AI-driven tools used for product recommendations and advanced policy management systems can help streamline processes to ensure quick turnaround and precision.Insurers can offer a centralized platform with all claims-

109、related information,for agents to track claims.The platform equips agents with virtual communication tools for real-time client interaction to improve transparency and efficiency.Insurers can develop e-learning platforms with gamification and personalized learning paths,alongside digital libraries a

110、nd certification programs that emphasize change management and cultural shifts to realize the most benefit from digital tools.Insurers that equip agents with advanced CRM systems,predictive analytics,and real-time access to data-driven insights enable them to proactively engage with policyholders,pe

111、rsonalize services,boost efficiency,and strengthen client relationships.Enterprise Enterprise ManagementManagementTrend 6Broker and agent engagementBroker and agent engagementCarriers drive distribution partner engagement and loyalty through simple,fast,and easy experiences2288117755664433101099Hous

112、e with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|20#FinancialServicesTrends2025ImpactBackground Between 2023 and 2024,favorable sentiment among insurers toward Gen AI grew by 38%(5.4 to 7.5 out of 10),indicating that insurers are becoming more confident in Gen A

113、I potential.1 69%of insurers with Gen AI solutions in production focused on employee use cases to enhance internal processes and improve efficiency,and 19%focused on customer-facing use cases,aiming to enhance customer interactions and provide more personalized services.1 Our World Property and Casu

114、alty Insurance Report 2023 found that 79%of P&C insurers understand that AI/ML is critical to success.Then,our 2024 Report determined that 62%of executives believe these technologies elevate underwriting quality and reduce fraud.2,3 Gen AI personalizes customer interactions with tailored onboarding

115、experiences and targeted marketing,with 35%of surveyed insurers saying AI improves personalized recommendations.Contextual engagement enhances customer engagement,retention,and satisfaction.3 Gen AI will enable fully automated underwriting processes,significantly accelerating evaluation,risk assessm

116、ent,and decision-making stages.According to surveys conducted as part of our World Property and Casualty Insurance Report 2024,AI implementation has helped 51%of underwriters to reduce their data entry workload,42%to generating quotes faster,and 33%to improve access to real-time data.3 AI-driven aut

117、omation will streamline insurance claims processing tasks like first notice of loss(FNOL),document verification,and initial assessments,reducing processing time and operational costs.This allows human adjusters to focus on more complex claims,improving efficiency.Source:1.GenAI-oneers In Insurance,C

118、elent,20 May 2024;2.Capgemini World Property&Casualty Insurance Report 2023;3.Capgemini World Property&Casualty Insurance Report 2024;Capgemini Research Institute for Financial Services analysis,2024Intelligent Intelligent IndustryIndustryTrend 7Process revolutionProcess revolutionArtificial intelli

119、gence and Gen AI streamline processes across the value chain2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|21#FinancialServicesTrends2025German insurer Munich Res REALYTIX team launched gen AI co-pilot on its REALYTIX ZERO platform to

120、 streamline specialized insurance product developmentreducing costs and increasing transparency in product logic and premium calculations.1Chubb North America collaborated with UK based Insurtech Cytorafor Gen AI-powered claims processing.The aim is to transform Chubbs claims document management pro

121、cess through automated digitization.2Munich ReChubbSource:1.Insurance Business;2.Cytora;Capgemini Research Institute for Financial Services analysis,2024Figure 7:Transform P&C insurance processes using AI and Gen AIUnderwritingIntegrate diverse data sources to enhance the accuracy of risk evaluation

122、.Utilize AI to forecast potential risks and trends.Gain deeper insights into customer profiles using AI,allowing for more tailored pricing and coverage options.Use Gen AI assistance to handle routine tasks,perform quick data analysis,and generate quotes quickly.Customer onboarding and engagement Use

123、 AI to automate the submission and verification of documents.Implement chatbots for real-time query assistance and a secure onboarding process.Leverage AI to analyze customer data and predicttheir needs.Equip agents with Gen AI bots for instant query responses and integrate data to enable tailored o

124、fferings based on individual preferences.Claims processingImplement AI to capture and summarize claims handling status and outstanding actions.Leverage Gen AI to enhance interaction with claimants through automated updates and query handling.Deploy AI to identify forged documents or detect unusual p

125、atterns.Reduce claims turnaround time by automating processing.Apply AI to predict potential risks and trends to proactively manage claims.Intelligent Intelligent IndustryIndustryTrend 7Process revolutionProcess revolutionArtificial intelligence and Gen AI streamline processes across the value chain

126、2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|22#FinancialServicesTrends2025ImpactBackground Cybersecurity remains crucial for P&C insurers,with 86%in EMEA and 76%in North America considering it a significant or moderate priority.1,2

127、 P&C carriers use advanced encryption,multi-factor authentication,and security audits to mitigate data breaches.However,a lack of technical expertise and complacency hinder these efforts,while new risks like AI-powered attacks,add complexity.3 P&C insurers are boosting cybersecurity budget allocatio

128、ns:projected 2023-2024 growth was 5.3%in the EMEA region and 5.9%in North America.1,2 Investing in advanced security solutions can ensure operational continuity,potentially avoiding costly downtime and severe service delivery disruption.Security helps P&C insurers maintain critical systems,such as c

129、laims processing and policy management.Strong data and cybersecurity data protocols earn policyholder trust and loyalty.They safeguard sensitive customer data,including personal information and claims history,to maintain or improve retention rates and market reputation.P&C insurers that invest in ro

130、bust security are prepared to comply with stringent regulatory requirements related to data protection and privacy.When the risk of fines and legal actions is reduced,operations remain compliant and financially sound.Source:1.Dimensions:P&C IT Pressures&Priorities:EMEA Edition,Celent,25 February 202

131、4;2.Dimensions:North American P&C Insurance IT Pressures&Priorities 2024,Celent,20 February 2024;3.P&C specialist;Capgemini Research Institute for Financial Services analysis,2024Intelligent Intelligent IndustryIndustryTrend 8Strengthened securityStrengthened securityInsurers invest in security capa

132、bilities to protect themselves from massive breaches2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|23#FinancialServicesTrends2025Source:1.USAA;2.AXA;Capgemini Research Institute for Financial Services analysis,2024After data breaches

133、in late 2022 and early 2023,US insurer USAA enhanced cybersecurity with advanced threat detection,multi-factor authentication,and employee training.As a result,USAA blocked over700 million attacks and 3,200 phishing websites.1UK insurer AXA,in collaboration with Microsoft,developed AXA Secure GPT,a

134、secure Gen AI-powered platform for employees to ensure data privacy and prevent leaks,breaches,and intellectual property loss.2USAAAXAIntelligent Intelligent IndustryIndustryTrend 8Strengthened securityStrengthened securityInsurers invest in security capabilities to protect themselves from massive b

135、reaches2288117755664433101099Figure 8:Enhancing security across P&C insurance functionsDisaster recovery and business continuityEmployee training and awarenessReal-time threat detectionRegulatory compliance and fraud prevention AI-powered threat monitoring helps to identify and mitigate cyber risks

136、instantly.Cloud offers advanced security features such as real-time security updates,and automated threat detection,which protects sensitive data.Internet of Things(IoT)devices trigger immediate alerts when unusual behavior or threats are detected.Cloud offers secure backup and disaster recovery sol

137、utions to ensure business continuity during system failures or cyberattacks.Data replication across regions prevents data loss and minimizes downtime.Insurers can use AI-driven systems to maintain operations and IoT devices to protect assets.Cloud solutions automate compliance tracking with industry

138、 regulations like GDPR.AI-driven analytics help detect fraudulent patterns in claims,reducing potential losses.Machine learning models analyze claims and underwriting data to detect fraudulent patterns.Regular and continuous training programs ensure employees stay updated on the latest threats and b

139、est practices.Use engaging medium like gamified content and ensure cybersecurity policies are accessible and updated regularly.Foster a culture of security with leadership support.House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|24#FinancialServicesTrends202

140、5ImpactBackground Data-related challenges hinder insurers from creating superior customer experiences for P&C policyholders.Among obstacles cited by insurers,54%listed inadequate access to data and 51%named legacy systems,according to the World P&C Insurance Report 2024.1 Data management technology

141、use is on the rise.In 2024,a significant number of insurers in both EMEA(71%)and North America(56%)invested in,or planned to invest in,machine learning operations(MLOps),analytics,and artificial intelligence.2,3 Many insurers adopt cloud-based solutions to enhance scalability,flexibility,and real-ti

142、me data access.49%of P&C insurers say they already use cloud for data analytics.4 Modern data infrastructure enables real-time and accurate data access.It improves decision-making in underwriting,claims processing,and reinsurance.It boosts operational efficiency and risk managementand reduces IT cos

143、ts with flexible pay-as-you-go models.Centralizing and standardizing data provides a 360-degree view of customers,allowing for personalized insurance offerings and quicker claims settlements.Better access to data improves customer satisfaction,boosts retention,and enhances cross-sell opportunities.C

144、loud-based data estates reduce operational burdens,streamline workflows,and ensure compliance with evolving regulations,allowing insurers to quickly adapt to market changes and regulatory demands.Source:1.Capgemini World Property&Casualty Insurance Report 2024;2.Dimensions:P&C IT Pressures&Prioritie

145、s:EMEA Edition,Celent,25 February 2024;3.Dimensions:North American P&C Insurance IT Pressures&Priorities 2024,Celent,20 February 2024;4.Is Moving to Cloud Worth It?,Celent,24 June 2023;Capgemini Research Institute for Financial Services analysis,2024Intelligent Intelligent IndustryIndustryTrend 9Val

146、ue from dataValue from dataDataestate renovations make the right data available where and when needed,across the value chain2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|25#FinancialServicesTrends2025Allstate adopted a cloud-first ap

147、proach to digital transformation,focusing on rebuilding core applications from scratch to enhance data analytics,customer insights and claims processing.Digitizing 40%of processes cut claim filing time from four minutes to 43 seconds.1Aviva UK partnered with London based Symfos to leverage its Orche

148、stra software to enhance weather-eventexposuremanagement,visualize risks and automate data processing,by gaining insights from real-time data.The resulted in 60-70%improvement in efficiency.2AllstateAvivaSource:1.CIO;2.Insurance Business;Capgemini Research Institute for Financial Services analysis,2

149、024Intelligent Intelligent IndustryIndustryTrend 9Value from dataValue from dataDataestate renovations make the right data available where and when needed,across the value chain2288117755664433101099Figure 9:Data estate renovation as a catalyst for business transformationTalent strategyInvestment in

150、 cutting-edge data infrastructure signals a commitment to innovation,potentially enhancing employer brand and attracting top digital talent in a competitive marketGlobal expansion enablerInsurers that use standardized,cloud-based data estates can enter new geographic markets faster,and potentially a

151、ccelerate international growth strategies.Ecosystem leadershipRobust data management positions insurers as attractive partners in broader ecosystems(e.g.,smart homes,connected cars),potentially opening new revenue streams and strengthening market positionStrategic risk managementAdvanced analytics c

152、an refine risk assessment and pricing strategies,to potentially enable expansion into previously underserved markets or customer segments.Operational excellenceAI-driven automation,powered by clean,accessible data,can significantly enhance efficiency ratios,potentially freeing up resources for strat

153、egic initiatives and innovation.House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|26#FinancialServicesTrends2025Source:1.Munich Re,2.Nationwide;3.beinsure;Capgemini Research Institute for Financial Services analysis,2024Background Niche markets present substa

154、ntial opportunities for P&C insurers to innovate and expand.Early entry into these rapidly growing markets opportunities can provide insurers with a competitive edge,allowing them to establish brand leadership and set industry standards.Niche markets open doors for innovative P&C offers:Cyber insura

155、nce:Expected to grow from USD 14 billion to USD 29 billion(2023-2027).1Parametric insurance:On track to reach USD 29.3 billion by 2031,up from USD 11.7 billion in 2021.2Pet insurance:Estimated 14%CAGR(2023-2030)to reach USD 18 billion.3 Emerging sectors represent opportunities for insurers to addres

156、s evolving customer needs and capitalize on technological advancements to potentially reshape traditional insurance models.Impact Expanding in niche markets helps P&C insurers diversify risks,reduce reliance on traditional lines,and explore faster time to market for innovative products due to less r

157、egulatory complexity and a softer competitive landscape.Investing in niche markets like parametric helps in precision risk management and rapid claims payout during emergencies helping insurers achieve ESG impacts.Expanding presence enables customer trust,differentiates the brand,and enhances custom

158、er satisfaction.Entering new markets help insurers position themselves as comprehensive providers helping clients across multiple touchpoints now,as well as positioning themselves for future relevancy as cyber will be one of the largest risk pools in the future.Intelligent Intelligent IndustryIndust

159、ryTrend 10Niche markets for innovationNiche markets for innovationCarriers explore innovative offers in cyber,pet,parametric,and other small markets with reasonable potential2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|27#FinancialS

160、ervicesTrends2025Source:1.Reinsurance News;2.Insurance Business;Capgemini Research Institute for Financial Services analysis,2024Francebased AXA Climate partnered with climate risk modeling solutions provider Reaskto offer parametric windstorm insurancebased on precise wind speed data that improved

161、affordability,risk management,and claims processing.1US insurer Chubb partnered with cybersecurity company NetSPIto offer advanced cyber solutions,including attack surface management and penetration testing for US and Canadian policyholders,aiming to improve security and reduce cyber risks.2AXA clim

162、ateChubbAccelerate digital transformationIntegrate ecosystemsAttract talentBoost customer relevanceEnhance risk managementEntering technology-driven markets like cyber insurance requires advanced data analytics and AI capabilities to possibly accelerate broader digital transformation efforts across

163、the organization.Success in niche markets often requires partnerships with specialized technology providers,fostering an ecosystem mindset that can drive innovation across all business lines.Focusing on emerging advanced technology sectors can position insurers as innovative employers attractive to

164、top talent in data science,cybersecurity,and other critical fields.Carriers that offer comprehensive solutions,including niche coverage can increase their relevance among policyholders and power retention and cross-selling opportunities across their entire portfolio.Continuous real-time data and ana

165、lyticshelp insurers improve risk management practices to strengthen their overall risk profile.Figure 10:Growth strategies for niche insurance marketsIntelligent Intelligent IndustryIndustryTrend 10Niche markets for innovationNiche markets for innovationCarriers explore innovative offers in cyber,pe

166、t,parametric,and other small markets with reasonable potential2288117755664433101099House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|28#FinancialServicesTrends2025Partner with CapgeminiAgency Digitization Ease of Doing BusinessTake the ease of doing business

167、 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 with that features all ecosystem capabilities,process transformation,and AI

168、-based enhancements for operational success.A single unified front-end experience for sales across all lines of business will catalyze success with the targeted use of automated workflows,data fill,and muti-line functionality.Data Estate ModernizationModernize data estate infrastructure for secure a

169、nd always-available data:Liberate the total value of data investments by ramping up the use,adoption,and availability of data assets while saving money through automation.We will help achieve desired outcomes through automated data extraction and transformation.We will load business-relevant cadence

170、s from legacy systems into centralized cloud-based data lakes with standardized integration and API layers.Embedded InsuranceMake B2B2C distribution super-intuitive and hyper-convenient:Improve omni-channel distribution strategies through B2B2C spoke to existing intermediaries and direct digital cha

171、nnels.Capgemini will help adoption of a new ecosystem-led operating model to innovate at pace to embed the right products and services at the right moments.Insurers can leverage our highly secure Open Insurance AWS cloud native platform to expedite the implementation of open API architecture,using A

172、CORD Next-Gen Digital Standards,thus making the insurer future ready.Underwriting WorkbenchEmpower underwriters with a unified interface bringing everything together:Underwriters need a comprehensive,streamlined solution that integrates risk evaluation,authority-controlled pricing,policy manuscripti

173、on,and external report ordering into a single interface.Capgemini brings in the value of AI and automation reducing mundane tasks,allowing them to focus on core decisions and sales.Our system delivers timely,data-driven insights,simplifying book management with ML thus ensuring quick market response

174、,adapting swiftly to emerging risks and opportunities.Public Capgemini 2025.All rights reserved|28#FinancialServicesTrends2025House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|29#FinancialServicesTrends2025Shane CassidyInsurance Business Unit Leader Shane Cas

175、sidy 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 evolution.Kiran BoosamGlobal Portfolio Leader for Insurance Kiran Boosam leads Capgeminis Glob

176、al Insurance Portfolio.A career P&C and life insurance expert,Kiran assesses the industry dynamics,forecasts Insurance CXOs strategies,shapes fitting innovative portfolios,and enables key accounts to leverage the power of the Capgemini Group,external ecosystems,and emerging technologies.Nathan Summe

177、rsManaging Director of Financial Services,Capgemini Invent Nathan Summers is the Managing Director of Financial 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 initiatives.A

178、dam DenningerGlobal Industry Leader for Insurance Adam Denninger leads Capgeminis global strategy,offers,and go-to-market for the insurance industry.Adam has spent 20+years creating business and technology strategies and solutions to transform the operating capabilities of leading insurersAsk the ex

179、pertsLotfi BaccoucheCo-lead of Insurance Practice,Capgemini ILotfi Baccouche is co-leading Capgemini Invent insurance practice globally.He advises major insurance firms on business strategy and operating models.He supports insurance firms in improving their operational efficiencies and risk profiles

180、 by developing and implementing technologically enabled solutions.Luca RussignanHead of Insurance and Deputy Head of Capgemini Research Institute for Financial SLuca Russignan is an insurance expert with more than 15 years of experience with industry-leading consultancies and insurers.At Capgemini,h

181、e enables CxOconversations in the insurance sector through data-driven thought leadership to shape insurance business strategy.Elias GhanemGlobal Head of Capgemini Research Institute for Financial SElias Ghanem leads Capgeminis global portfolio of financial services thought leadership.He oversees a

182、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 collaboration between incumbents and startups.Thierry LorasHead of Insurance Practice for Conti

183、nental EThierry Loras leads the Insurance Practice for Continental Europe at Capgemini.He oversees 200+insurance specialists across France,Belgium,Netherlands,and Germany.He has more than 19 years of experience in Insurance,specializing in business and IT transformations and complex program manageme

184、nt,putting strategy into actions,enabling performance with tech.House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|30#FinancialServicesTrends2025Key contactsShane Cassidy Adam DGlobalAustralia and New ZealandRoshnai Chaudhuri Saugata Ghosh BelgiumJan Verlinden

185、 Patricia BSanjay JFranceThierry LLena Pastor GermanyJoachim RThomas HIndiaAshwin RaghunathaCRajesh Kumar Sinharajesh-Italy Matteo Bonati Lorenzo Busca JapanKazuhira TAtsushi TLatAMRicardo Acacio Renata Ramos NordicsJimut Basa Johan Bergstrm(Sweden,Finland and Denmark)Cecilie Vatn(Norway)PortugalGui

186、lherme Duro Barrosoguilherme.durao-Laura Magalhaes South-east AsiaSivakumar VLaurent Liotard-Vogt laurent.liotard-SpainJordi Valls Ribasjordi.valls-Antonio Luis Nuez Piteraantonio-luis.nunez-The NetherlandsJimut Basa Ewout BUKWendy Williamsonwendy-Lotfi BUSA and CanadaSatish Weber Lars B Ian Campos

187、Nathan Summers House with solid fillCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|31#FinancialServicesTrends2025AcknowledgementsWe want to thank the following teams and individuals for helping to create,produce,and promote Property and Casualty Insurance Top Trends 2025Capgem

188、ini 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 Bandyopadhyay and Aranya Adak for project management.Priyanka Kumari for in-depth market analysis,researc

189、h and compilation of insights.Dinesh Dhandapani Dhesigan for graphical interpretation and design.Capgeminis global Insurance Network:Cyril Francois,Kartik Ramakrishnan,Pierre-Olivier Boue,Shinichi Tonomura,Shane Cassidy,Adam Denninger,Kiran Boosam,Nathan Summers,Lotfi Baccouche,Thierry Loras,Ian Cam

190、pos,Vijaydeep Singh,Vikash Kumar Singh,Arjun Vijay,Doli Karmakar,Nagaraj Ranga;we offer special thanks to all our executives who contributed their valuable time during the Property and Casualty Insurance Top Trends 2025 survey.Marketing and Promotion:Meghala Nair,Jyoti Goyal,David Merrill,Neha Georg

191、e,Fahd Pasha,Manasi Sakpal,Anthony Tourville,Manisha Singh for their overall marketing support for the trends book;the Creative Services Team:Sushmitha Kunaparaju,Pravin Kimbahune,Sushmita Singh and Chirantan Kulkarni for trends book production;and Tejaswini Tadepalli and Rohan Nair for enabling the

192、 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 2024-2025 calendarWORLDWEALTH REPORT 2024WORLDPAYMENTS REPORT 2025WORLDP&C INSURANCE REPORT 2024S

193、USTAINABILITYPOINT 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 202414 Nov 20243rd edition2ndeditionHow insurers can regain relevancy by putting customers back

194、 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 and personalized experiencesDriving operational efficiency and topline innovation in financial se

195、rvices with the Cloud28th edition17th edition20th edition20th edition10th editionDriving sustainability reporting,compliance,and business growth in FS through enhanced ESG data managementInsuranceBankingHow can wealth management firms capitalize on the UHNWI segment2ndeditionHouse with solid fillCap

196、gemini 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 up to date with our Insurance industry researchPoint of ViewProperty&casualtyLifeCloud for FSWor

197、ld reportsTrends booksLatestLatestLatestDriving growth in the evolving mobility ecosystemChart your transformation across a shifting risk landscapeHow trust and engagement can unlock growth for insurersEnsure life insurance relevancy through relentless customer centricityCreate business value in an

198、innovation-powered futureSustainabilityPreviousPreviousPreviousA palm trees on a beachDescription automatically generatedYour feedback matters Subscribe to receive Capgemini financial services thought leadershipSubscribe to receive Capgemini financial services thought leadershipA qr code with black

199、squaresDescription automatically generatedHouse with solid fillPropel top-line growth with your cloud journeyCapgemini FS Top Trends 2025Public Capgemini 2025.All rights reserved|34#FinancialServicesTrends2025Reach out to the Capgemini Research Institute for Financial ServicesCapgemini Research Inst

200、ituteFinancial ServicesTREND BOOKSCapgemini Research InstituteFinancial ServicesWORLD REPORTSCapgemini Research InstituteOTHER BUSINESS SECTORSContact usElias Ghanem Global HeadCapgemini Research Institute for Financial SLuca RussignanDeputy Head,Head of InsuranceCapgemini Research Institute for Fin

201、ancial SAdam DenningerGlobal Industry Leader for IThought leadership that empowers financial services Thought leadership that empowers financial services executives to make insightsexecutives to make insights-driven business decisionsdriven business decisionsThe Capgemini Research Institute for Fina

202、ncial 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 annually publishes its signature Financial Services World Reports series that draw on voice of the customer surveys,CxO in

203、terviews,and partnerships with technology companies as well as academia to uncover emerging trends and explore how AI,cloud,data,and digitalization are driving transformative business outcomes.Supported by time-series global datasets,our industry experts offer actionable insights,trend analyses,and

204、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.Visithttps:/ The Future You Want|A qr code with black squaresDescription automatically generatedA qr code with black squaresDes

205、cription automatically generatedA qr code on a white backgroundDescription automatically generatedHouse with solid fillThis presentation contains information that may be privileged or confidential and is the property of the Capgemini Group.Copyright 2025 Capgemini.All rights reserved.About Capgemini

206、Capgemini 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 enterprises and society.It is a responsible and diverse group of 340,000 team members in more than 50 c

207、ountries.With its strong over 55-year heritage,Capgemini is trusted by its clients to unlock the value of technology to address the entire breadth of their business needs.It delivers end-to-end services and solutions leveraging strengths from strategy and design to engineering,all fueled by its mark

208、et leading capabilities in AI,cloud and data,combined with its deep industry expertise and partner ecosystem.The Group reported 2023 global revenues of 22.5 Bn.Get the future you want|DisclaimerThe information contained herein is general in nature and is not intended and should not be construed as p

209、rofessional advice or opinion provided to the user.Capgemini assumes no liability for errors or omissions,or use of this material.This document is provided for informational purposes only;it is meant solely to provide helpful information to the user.This document does not purport to be a complete st

210、atement of the approach or steps necessary to address or solve any particular matter or to accomplish any particular business goal.The user also is cautioned that this material may not be applicable to,or suitable for,the users specific circumstances or needs and may require consideration of additio

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