Insurers are increasingly turning to predictive analytics to transform how data is captured, analyzed, and applied during underwriting and pricing. Traditional underwriting often relies on static data and manual reviews, limiting efficiency and slowing innovation. Smart data intake addresses this by automatically ingesting and structuring data from internal and external sources, enabling faster, more informed decisions. Predictive analytics also enables more precise pricing by helping insurers segment customers and tailor coverage to specific risk profiles, improving customer experience. Capco works with insurers to design and implement modern data architectures and operationalize smarter data intake across the value chain. If you’re interested in exploring how these capabilities can drive impact for your organization, connect with Capco’s insurance specialists at the upcoming Verisk Insurance Conference, where Insurance Partner @Paul Tiede will speak on a panel about navigating uncertainty with AI adoption.
Customer acquisition alone won’t make digital banks profitable. Many digital banks in Malaysia have successfully onboarded users but struggle to retain, monetize, or scale them. Our latest paper explores why incentives-driven growth is unsustainable, and what digital banks must do instead to build lasting customer relationships that translates to long term commercial viability. Discover the strategic shifts required to move from growth to profitability: https://www.capco.com/Intelligence/Capco-Intelligence/2026/02/the-path-to-profitability #CapcoMalaysia #digitalbanking
Insurers face the complex landscape of AI-enabled business solutions that offer value propositions for automated underwriting, pricing, and fraud risk assessments. With Automated Decision-Making Technology (ADMT) regulations tightening on January 1, 2027, insurers looking for a competitive advantage through implementation of automated solutions must design an enhanced regulatory compliance strategy. With our expertise in technology implementation strategy, regulatory compliance governance, and risk prevention management, Capco can help insurers navigate the complexities of ADMT compliance in an evolving AI landscape. Interested in learning more about how ADMT will transform insurance? Connect with USIP partner @Paul Tiede at the upcoming Verisk Insurance Conference, where he’ll join a panel on balancing AI uncertainty with adoption. In the meantime, read our latest insights on California’s new ADMT rules and what they mean for insurers: https://www.capco.com/intelligence/capco-intelligence/californias-new-automated-decision-making-technology-rules
Building a pan-European payment brand is brutally hard. Wero has to compete with Visa and Mastercard while also replacing local favorites like Bizum and iDeal. 👉 Read @Gunter Geysen and @Frederik Van Baelen analysis: https://www.capco.com/Intelligence/Capco-Intelligence/wero-how-belgian-banks-can-champion-europes-payment-independence So why should Belgian banks still lead? - Early implementation proves the concept: when Belgium shows Wero can handle all transaction types efficiently, other banks pay attention. - More traction means more government backing: that pushes other banks to either invest in Wero or at least offer seamless payment experiences across Europe. And Belgium gets positioned as the payment innovation hub again. - Fragmented bank alignment: local brands are entrenched, Apple and Android control access, infrastructure isn't ready everywhere. Banks that move now will shape the next decade of European payments.
eIDAS 2.0 marks the beginning of a new era of digital identities in Europe. For banks, the European Digital Identity Wallet (EUDI Wallet) offers opportunities to simplify KYC processes, accelerate onboarding and digitally redefine trust. 🔗 Our new article shows how financial institutions can strategically use eIDAS 2.0 to translate regulatory requirements into efficient, secure and user-centric identity solutions. Read now: https://www.capco.com/intelligence/capco-intelligence/eidas-2-0-a-new-era-for-digital-identity-in-the-eu
Staking has evolved from a crypto-native mechanism into an institutionally relevant component of the digital asset ecosystem. As proof-of-stake networks mature, financial institutions are increasingly evaluating how staking can be integrated into existing custody, governance, and client service models. 🔍 This whitepaper examines how staking works, the participation models available to financial institutions, and the operational and risk considerations that shape compliant implementation. 🔗 Read the full whitepaper to explore how Financial Institutions capture value from staking here: https://www.capco.com/Intelligence/Capco-Intelligence/how-financial-institutions-capture-value-from-staking Authors: @Joachim Högerle & @Philipp Kaspar
When legacy systems consume $200B in APAC insurance, modernization becomes existential. As @Simon Smallcombe warns in @The Asian Business Review: • Prioritize core transformation – not just front-end digitization • Deploy AI strategically: 92% reconciliation automation already proves ROI • Solve the talent crunch: 58% of legacy experts retire in 3 years Read the full article here: https://asianbusinessreview.com/insurance/exclusive/asia-pacific-insurers-face-200b-legacy-tech-burden
@Capco’s Chicago office was proud to host an incredible #InternationalWomensDay event last week with more than 150 attendees focused on When AI Met Reality, a panel featuring senior women leaders who are building the foundations for trustworthy, enterprise-scale AI. As AI becomes embedded in the #financialservices and #energy industries, the conversation focused on what truly makes #AI work at scale: strong data foundations, clear governance, and decision accountability — all while balancing innovation with trust. The panel also highlighted the trailblazing women translating regulation, consumer expectations, and complexity into operating models that enable organizations to move forward with confidence. Thank you to our panelists: Brianna Elsass, Emily Rudolph and Nikita Mehta—and to Capco Partner @Laurie Winters for moderating an engaging discussion. Thanks also to @Owen Priestley, @Dee McDougal, @Alex Kisten, and @Janee Jenkins for organizing the event, and to the clients, partners and colleagues who joined us for such an engaging discussion. #InternationalWomensDay #WomenInTech #ResponsibleAI #FinancialServices #Energy
The firms that operationalize data and AI effectively will define the next phase of growth in financial services. In 𝟭𝟬 𝗜𝗺𝗽𝗲𝗿𝗮𝘁𝗶𝘃𝗲𝘀 𝗳𝗼𝗿 𝗗𝗮𝘁𝗮 𝗮𝗻𝗱 𝗔𝗜 𝗶𝗻 𝟮𝟬𝟮𝟲, @Tiago Almeida, MSc, @Prashanth Sekar, and @Chris Probert examine the strategic priorities redefining scalable governance, enterprise data architecture, and measurable business impact. 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲 to assess how prepared your organization is for 2026: https://www.capco.com/Intelligence/Capco-Intelligence/10-imperatives-for-data-and-AI-in-2026
AI isn’t replacing mortgage teams; it’s helping them be more efficient. As banks and credit unions prepare for a projected rise in originations in 2026, technology is shifting the focus from cost-cutting to efficient scalable growth. In @National Mortgage News, Capco's @John Geertsema MBA explores how lenders are using AI to expand capacity and build on proven implementations already delivering results. With stronger integration and real-world momentum behind these tools, institutions are better positioned to scale without the boom-and-bust swings of past cycles. See how lenders are recalibrating their strategies and what it could signal for the broader market ahead: https://www.nationalmortgagenews.com/news/how-ai-is-supporting-bank-mortgage-growth-plans
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