Writing
On insurance, technology and digital transformation.
The real test of digital transformation: claims
The test of digital transformation isn't in flashy products; it's in claims, the one moment the customer truly experiences insurance.
Europe is downshifting on digital regulation
The EU is loosening its data and AI rules: flexibility for innovation, or a retreat under competitive pressure?
Not a by-product, but a strategy: Tesla and insurance
Tesla's insurance move isn't a policy sale; it's a strategy to control the total cost of ownership of the car.
Embedded insurance: easy distribution isn't enough
Putting insurance everywhere doesn't make it matter to the customer. The real issue isn't distribution; it's value, trust and operations.
Telematics 3.0: a journey to the source of data
Telematics' real issue isn't its existence, but its strategic execution. Whoever reaches the data at its source sets the game.
Collective resilience in a fragmented world
In the age of polycrisis, risk is managed not one by one but as an interconnected whole; and the insurer is at the front line of this resilience.
Strategic paralysis: the illusion of neutrality
Claiming to defend everything is really defending nothing. In insurance, where interests sharply diverge, neutrality is often a state of paralysis.
Who is a broker's real customer?
A distributor whose revenue depends on a few large carriers isn't an independent player; it's an extension of those companies.
AI in insurance: budget and strategy
The question is no longer "will we invest in AI"; it's how we'll manage the ratio between two budgets.
Climate resilience and sustainable insurance: from risk to opportunity
Climate risk is no longer just a threat; through resilience, adaptation and prevention it's a new area of opportunity.
The two faces of innovation: product or game plan?
The real break is between making a better policy and changing the very way insurance exists.
The customer is no longer a policyholder, but a risk partner
Insurance is ceasing to be a product touched once a year. But what keeps this continuous relationship alive isn't technology, it's the frequency of interaction.
Will AI replace the agent? Wrong question
The right question isn't whether AI will put the agent out of work; it's how technology will make the agent stronger.
The longevity economy: insurance's new test
Longevity changes not only retirement but the entire design logic of insurance products. The winners won't be those who sell policies, but those who understand the life cycle.
Strategic resistance: the irrational competitor
The biggest obstacle to innovation in insurance isn't technology; it's the irrational competitor willing to give up profit to buy market share, and the industry's hard resistance.
Embedded insurance: why Turkey should look at Germany
The real obstacle to embedded insurance isn't technology, it's the legal framework. Germany has solved it; Turkey is next.
Responsible AI: no longer optional
In insurance, AI's success is measured not by accuracy but by trust. The question is no longer "can we do it"; it's "can we do it accurately, fairly and explainably".
In insurance, the real problem isn't the claim, it's liquidity
The question is no longer "how big was the loss"; it's "did the parameter trigger." The future of insurance isn't in more coverage, but in fast payment at the right moment.
The strategic power of being a deep generalist in insurance
In a stagnant industry the biggest competitive edge isn't a faster server, it's a wider perspective.
The real competition is at the customer interface
Competition in insurance is no longer only between carriers; it plays out over who controls the customer interface and the infrastructure beneath it.
AI in insurance: from hype to reality
AI is no longer insurance's future, it's its present. The real divide is between those who experiment with it and those who turn it into an institutional capability.