Thoughtworks：2026年欧洲、中东及非洲（EMEA）保险业关键技术趋势研究报告（英文版）（16页）.pdf

1、Insurance in EMEA:Key tech trends for 2026Insurance in EMEA:Key tech trends for 2026November 2025Insurance in EMEA:Key tech trends for 20262Executive summary 3Trend one:AI-driven,predictive risk ecosystems 5Trend two:Parametric and automated climate insurance 7Trend three:Embedded and ecosystem-base

2、d distribution 9Trend four:Health and wellness integration 11Trend five:Quantum-enhanced catastrophe modeling 13Authors 15Insurance in EMEA:Key tech trends for 20263Executive summaryThe Europe,Middle East and Africa(EMEA)insurance industry is at the precipice of a profound and irreversible transform

3、ation.This is not an incremental change,but a fundamental rewiring of the sectors operating model,driven by a powerful convergence of forces:the maturation of enterprise-scale AI,a wave of prescriptive regulation and rising customer expectations for seamless embedded experiences.The era of siloed pr

4、oducts and reactive services is over.The future belongs to intelligent,ecosystem-driven institutions that are not just compliant,but indispensable.Insurance is evolving from a reactive player to a proactive,preventative partnerThe model is shifting from simply paying claims to using AI,IoT and clima

5、te data to predict and prevent losses before they occur.Distribution is moving from traditional channels to being seamlessly embedded at the customers point of need,while new partnerships in health and wellness are expanding the industrys role beyond protection.For EMEAs leaders,the strategic impera

6、tive is clear and urgent.Legacy modernization is no longer a choice,but a prerequisite for survival,as outdated systems are the biggest blockers to compliance and growth.To stay competitive,insurers must think in platforms,embrace AI across the enterprise and treat trust and regulation as strategic