The EMEA insurance industry has undergone significant transformation in several areas, driven by advances in technology, data analytics and changing customer expectations. 

In some of these areas, such as InsurTech, predictive modelling or embedded insurance, we have seen remarkable innovation. However, economic conditions and global uncertainty require very selective technology investments and continued value tracking over the next few years. Where are we seeing the key investments in 2023-2025 to meet evolving customer needs, improve operational efficiency and effectively manage risk?