In this edition of our Spotlight on AI Horizons 2030, we speak with Carlos Cendra Falcón, Scouting & Investment Lead at MAPFRE Innovation, about the forces reshaping insurance innovation.

From an insurer’s perspective, the conversation explores how collaboration with startups and technology partners is influencing innovation agendas and accelerating experimentation across the value chain. We also examine how established insurers can balance large-scale digital transformation with the need to maintain customer trust, operational stability and regulatory confidence – particularly as emerging technologies reshape underwriting, claims and distribution.

The discussion turns to the shift from traditional risk pools to more dynamic, real-time and data-driven protection models, highlighting both the structural challenges and long-term opportunities this evolution presents. Finally, the interview looks at AI adoption at scale – and how incumbents can harness advanced technologies while preserving the human judgement, advisory strength and relationship-driven foundations that define insurance.

Watch the full interview as part of our series covering the AI Horizons 2030: Provocations for the Next Decade of Insurance summit, which was produced in partnership with Alchemy Crew Ventures. The summit brought together senior insurance executives, venture investors, and tech founders to explore how AI and emerging technologies can drive responsible, resilient, and customer-centric insurance. The event focused on tackling emerging risks, climate volatility, protection gaps, and AI ethics, while shaping strategies for scaling enterprise adoption across the industry.