In this edition, 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 conversation as part of our coverage of the AI Horizons 2030 summit.