1. AI across the entire value chain: from underwriting to claims — machine learning is no longer a promise; it has become infrastructure.

#ITCVegas #Insurtech #Inovação #Seguros #PSNA #TransformaçãoDigital Roberto Panucci

• Embedded insurance has matured: the focus is now on retention and experience, not just distribution.
• MGAs have become the new center of gravity: technology + data + reinsurance capital = real agility.
• Global regulatory infrastructure: sandboxes, frameworks and SupTechs converging — Brazil is a case study.
• The line between tech and capital has blurred: funds, reinsurers and VCs speaking the same language.
• APIs and interoperability have become standard: integration with banks, platforms and healthtechs is the new baseline.
• Data as the backbone of products: pricing, fraud and prevention increasingly data-driven.
• A more human customer journey: automation with empathy — "AI with a face" was the mantra of several panels.
• Sustainability and purpose are back in force: ESG has moved from discourse into underwriting.
• Brazil on the map: a record delegation, relevant panels and Brazilian insurtechs competing globally.

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