Insurance for the New Possible was joined by Dr. Thamakorn Supathanarangsri,  the Head of Government Affairs at Lazada, Thailand and Andrew Nisbet, Country President, Chubb Samaggi Insurance, Thailand. Some of the insights they shared included: • Thailand’s e-commerce market is one of the largest in Southeast Asia and growing steadily. The country’s rapid digital transformation, spurred by increasing internet penetration and the Thai government’s push for widespread access to digital services, has made online shopping a central activity for millions. • “Shoppertainment," has become a major trend in Thailand’s e-commerce landscape. Consumers are increasingly shopping during moments of downtime, scrolling through engaging, highly interactive platforms. • Trust is fundamental to the success of any e-commerce platform. Insurance products embedded in the purchase process, provide an essential layer of security for consumers, particularly in high-value categories like electronics and home appliances. • Personalization and payment innovation are poised to play a larger role in Thailand’s e-commerce landscape. • The Thai regulatory environment not only ensures consumer protection but also encourages innovation, as seen in Chubb and Lazada’s collaboration to embed insurance products into e-commerce transactions.

Insurance for the New Possible was joined by Hena Mehta, a Co-Founder and CEO at Basis and Isabella Carvalho, the Digital Head, Overseas General Insurance at Chubb. Some of the insights they shared included: • Hena's career path is a vivid tapestry of bold moves and strategic transitions. This adaptability is crucial in today's fast-paced global economy, where professionals often need to reinvent themselves and their careers multiple times. • Hena’s decision to return to India from the U.S. to participate in its burgeoning startup scene underscores how FOMO can drive substantial life choices. This kind of motivation can be a powerful catalyst for career development, especially when aligned with one's personal and professional growth goals. • How Basis emphasizes the importance of targeted financial services that address the specific needs and contexts of women, acknowledging that generic solutions do not fully meet everyone's needs. • The establishment of female-focused communities is a testament to the power of spaces where women can share experiences, challenges, and advice. An emphasis on community highlights how peer support and targeted environments can significantly boost confidence and competence in financial matters. • The critical need for financial products designed with women’s specific life patterns and goals in mind. From investment products that accommodate periods of potential lower earnings to insurance products that take into account the longevity and health cost differentials of women, gender-sensitive design can lead to more effective and equitable financial services.

Insurance for the New Possible was joined by Monica Millares, Principal, Product Ways of Working at BigPay and Om Bhatia, Head of Digital Business for Asia Pacific at Chubb. Some of the insights they shared included: Empathy must underpin product design. By genuinely understanding the diverse challenges and true financial circumstances of their customers, both Monica and Om emphasize that empathy leads to more inclusive and impactful products. The importance of leveling up customers' lives one transaction at a time. This approach not only makes financial management accessible but also integrates it seamlessly into everyday life, allowing users from varied backgrounds, such as migrant workers, to experience significant empowerment and autonomy over their finances. How tailoring products to ‘micro-risks’ enables the crafting of insurance products that are not only more relevant but also more immediately beneficial to individuals' everyday lives. The challenge of maintaining financial tracking and budgeting tools that customers will continually engage with, stressing that the key to success is reducing customer effort, making technological solutions as frictionless as possible. The necessity of creating global products that respect local nuances and how this is crucial for FinTechs looking to scale globally but remain suitable and effective locally.

Insurance for the New Possible was joined by Ryota Hayashi, Founder and CEO of Finatext Holdings and Isabella Carvalho, Digital Head, Overseas General Insurance at Chubb. Some of the insights they shared included: The drive to innovate within Japan's InsurTech sector primarily stems from industry professionals rather than consumers. This is somewhat atypical compared to other markets where consumer demand can often dictate the pace and direction of technological adoption. While Japan is often seen as lagging behind in terms of adopting new technologies, once the momentum starts, whole industries moves in unison, creating powerful industry-wide shifts. This synchronized movement can be a strategic advantage, ensuring that when innovations are implemented, they are done quite thoroughly and effectively. How the global FinTech revolution significantly influenced the InsurTech space in Japan. The emergence of companies like TransferWise highlighted the stark contrast between the dynamic FinTech scene in London and the static financial landscape in Japan, underscoring how global trends and cross-pollination of ideas are crucial in sparking innovation in local markets. How one of the most formidable barriers to InsurTech innovation in Japan is the deep-rooted presence of legacy systems. These systems are not only technologically outdated but are also heavily integrated into the corporate culture and operational workflows of Japanese insurance companies. There is an optimism about the potential for regulatory bodies to play a more active role in fostering innovation and how the recent openness of Japan’s Financial Services Agency (FSA) to engage with startups and innovators could be a game changer.

Insurance for the New Possible was joined by Geeta Chauhan, Co-Founder of HiWiPay, and Gabriel Lazaro, Head of Digital Business at Chubb Overseas General Insurance. Some of the insights they shared included: HiWiPay was born out of this need to simplify and streamline international payments, especially in a market where domestic systems like UPI (Unified Payments Interface) have become highly efficient. The idea was not just about moving money but making the process easier, faster, and more compliant with international standards. The potential uses of emerging technologies and a cautious approach toward its adoption until regulatory frameworks are established demonstrate a strategic balance between innovation and compliance. This cautious yet forward- looking approach to technology adoption is crucial for fintech companies aiming to innovate while ensuring security and trust among users. Why insurance is important for students going overseas, and how HiWiPay facilitates access to protection.  How the strategic approach to bundling value-added services with core remittance offerings is a prime example of how fintech companies can increase their service utility and stickiness. Using established channels to introduce innovation not only accelerates user acquisition but also enhances the value proposition for all stakeholders involved. How a tactical leveraging of advanced technology can simplify processes, expand reach, and transform a traditional service model into a tech-driven, efficient operation.

Insurance for the New Possible was joined by Gabriel Lazaro, Head of Digital Business for Chubb Overseas General, and Jessica Lam, Chief Strategy Officer at WeLab. Some of the insights they shared included: • The transition from working at a global, traditional financial services firm to a FinTech startup can be both challenging and exhilarating. Most importantly, it requires a fundamental shift in mindset. • Inspired by the digital financial services prevalent in the United States, WeLab was founded on the idea that innovation drives financial services to be both more efficient and inclusive. • It is important to adapt and localize financial products to meet diverse customer needs. Understanding local consumer behavior and financial needs is crucial in ensuring the success of these financial products in different geographical markets. • The ability to offer tailored financial services through advanced data analytics and artificial intelligence is a game changer in the fintech sector. • Collaborating with well-established companies in new markets can help startups leverage existing trust and customer bases. Furthermore, partnerships with companies can help integrate complementary services such as insurance, enhancing the overall customer offering and building trust.

Insurance for the New Possible was joined by Alexander Blake, Senior Vice President, Global Head of Travel Insurance at Chubb and Peter Altmann, Vice President, Mobility & Travel Protection at Amadeus. Some of the insights they shared included: How strategic partnerships can revolutionize the travel experience and travel protection The pivotal shift towards creating more personalized and seamless experiences for travelers An emphasis on understanding travelers' needs through extensive research and data analysis Travel insurance plays a critical role in alleviating the fears and uncertainties associated with travel, particularly for new or inexperienced travelers The constant need for innovation and adaptation in the travel and insurance industries as consumer behaviors and expectations evolve

Insurance for the New Possible was joined by Alexander Blake, Senior Vice President, Global Head of Travel Insurance at Chubb and Patee Sarasin, the CEO of Really Cool Airlines. Some of the insights they shared included: Leveraging crises as opportunities and catalysts for innovation How advice from Patee’s father to, “build a legacy and not just a business” should encourage entrepreneurs to think beyond financial success and consider the lasting impact of their ventures Building an amazing customer experience as the core of any business strategy and the role insurance can play in solidifying trust and loyalty The critical role technology can play in enhancing the travel experience, creating a personalized, integrated travel experience that begins well before the flight and extends beyond landing In an era where consumers are increasingly skeptical of corporate messaging, the authentic experiences shared by customers themselves become the most valuable form of promotion

Insurance for the New Possible was joined by Alexander Blake, Senior Vice President, Global Head of Travel Insurance at Chubb and Mike Szücs, Chief Executive Officer at Cebu Pacific Air. Some of the insights they shared included: The vital role of airlines in connecting an archipelago like the Philippines Digitalization as a catalyst for improved customer experiences and airline efficiency Employing data to understand customer preferences and creating personalized experiences Working together to continuously innovate travel insurance products The intertwined roles of tech, data, and customer centricity in shaping the future of travel

Insurance for the New Possible was joined by Kaleb Adams, Head of Data Analytics, Overseas General Insurance at Chubb and Max Ang, Insurance Technology Research Advisor APAC at Celent. Some of the insights they shared included: The Evolution of Data Usage in Insurance - From Pricing to Comprehensive Value Chain Integration Innovative Data Utilization and Customer Experience Enhancement The Intersection of Big Data and IoT in Insurance The Challenges in Managing Diverse and Abundant Data The Cultural Shift and Skill Development in Data Analytics - Importance of Data Literacy and Business Understanding

Insurance for the New Possible welcomed Gabriel Lazaro, the Head of Digital, Overseas General Insurance at Chubb back to the show to discuss what emerging technologies will play a pivotal role in digital insurance in 2024 and the intersection of insurance and e-commerce. Some of the topics Gabriel addressed in detail included key information from Chubb’s report on “Increased trust in social media shopping driving online sales”: 69% of consumers believe insurance increases trust in e-commerce, highlighting the essential role of insurance in enhancing online shopping experiences 75% of consumers report they have experienced financial fraud within their online transactions Building trust for online sellers is fundamental: For them, trust is the cornerstone for brand building and business growth Consumer trust varies across platforms with consumers indicating that they have greater trust in social media commerce than traditional e-commerce platforms Yet, online sellers’ trust in platforms is reversed, relying more on traditional e-commerce platforms, especially for back-end processes

Insurance for the New Possible was joined by Johan Oosthuizen, the Global Digital CTO at Chubb and John Brisco, a co-founder and CEO at Coherent. Some of the topics that Johan and John covered in detail included: - The power of global connectivity - The importance of building and maintaining a strong company culture - The strategies for modernizing legacy technology - How the real value in embedded insurance lies in the partnership and commitment between insurance providers and their partners. - The massive opportunity in Asia and how to effectively address it

Join us to discuss Collaboration, Team Effort, and Building a Vision and Staying the Course with Michael Waitze, Co-Founder at UnderCover Media. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss The Evolution of Social Shopping and Insurance with Om Bhatia, Head of Digital Revenue Growth, Overseas General at Chubb. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Designing for Humans, Segmentation and Personalized Product Recommendations with Isabella Carvalho, Head of Digital, Asia Pacific at Chubb. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Grab's Beginnings, Grab Maps and GrabFin with Kell Jay, Regional Head at GrabFin. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Digitization in FinTech and InsurTech and Serving the Underserved with Ethan Zhang, Chief Strategy Officer at Koinworks. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Continuous Innovation, Customer Experience and the Inevitability of Embedded Finance with Rajat Sharma, Chief Revenue Officer at InsureMO. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss AI as an Enabler, Having and Engaged Workforce and Phygital Experiences in Insurance with George Kesselman, the President & Founder of InsurTechAsia Association. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Financial Inclusion, Financial Literacy, and True Product Relevance with Winsley Bangit, VP for New Businesses at GCash. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss The Partner Experience and The Importance of Chubb Studio with Sidharth Panwar, Chubb Studio Partner Experience Product Owner at Chubb. Link to Chubb Studio: https://studio.chubb.com Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Customer Engagement, Embedded Finance, Being Happy With Your Money with Walter de Oude, the Founder & CEO at Chocolate Ventures. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss AI, Commercialization, and Emerging Trends with Sunita Kannan, the Global Lead of AI Product Strategy at Microsoft. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Catering to the Young, Underbanked and Customers' First Exposure to Credit with Andy Tan, the Chief Commercial Officer at Atome. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss A Rental Market Revolution and Mitigating Tenant and Landlord Disputes with Dominic Schacher, a Co-founder at Rently. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Embedding Insurance, Omni-channel Distribution and Phygital Experiences with Gabriel Lazaro, the Head of Digital Business, Overseas General Insurance at Chubb. Link to the FinTech report : https://www.chubb.com/sg-en/articles/partners/banks-and-the-digital-wallet-race-the-embedded-insurance-strategy.html Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Solving Problems and Fixing Pain Points with Sarita Singh, the Managing Director, Southeast Asia, India, Greater China at Stripe. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Join us to discuss Digitalization in Commercial Insurance and Bridging the Gap on Platform and e-Commerce with Ian Ovenden, the Head of SME and Mid-Market, Asia at Chubb. Banking, Fintech, and the Insurance Revolution – What Are the Key Trends Driving Change? During this broadcast at the Singapore Fintech Festival, we discussed the trends at the forefront of this transformation including phygital experiences, changing customer and partner expectations, emerging risks, the needs of underserved populations and so much more! Learn more : https://insuranceforthenewpossible.com

Insurance for the New Possible was joined by Santiago Franzini, Senior Vice President & Head of Accident & Health at Chubb Latin America and Bruno Ferrari, Co-Founder & COO at 123Seguro. Some of the topics Santiago and Bruno discussed: How technology can drive significant changes in the insurance industry A significant mindset shift from disruption to collaboration The real power of hybrid models The important role of mobile technology in insurance distribution The true potential of artificial intelligence in insurance

Insurance for the New Possible was joined by Gabriel Lazaro, Head of Digital, Overseas General Insurance, Chubb and George Kesselman, the Founder and President of InsurTech Asia Association. Some of the topics Gabriel and George discussed: The rise of FinTech and the integration of technology in the financial industry. The development and importance of Chubb’s technology platform, Chubb Studio. The benefits of a blended reality, combining digital and offline experiences. The importance of data analysis in developing new products and distribution channels. The need for understanding customer pain points and delivering excellent customer experiences. The potential of AI and automation in enhancing human capabilities in the insurance industry.

Insurance for the New Possible was joined by Rodrigo Valiente, VP and Head of Digital for Latin America at Chubb, and Hugues Bertin, CEO at Digital Insurance LatAm and a Partner at HCS Capital. Some of the topics Rodrigo and Hugues discussed: Solving customer problems as opposed to merely selling solutions The importance of collaboration between InsurTechs and traditional Insurers Embracing new technologies in a way that adds real value for customers and partners The necessity to understand the needs of the underserved in Latin America A focus on long-term solutions to billion-dollar problems

Insurance for the New Possible was joined by Marcos Gunn, Senior Vice President, Chubb Group and Regional President Latin America at Chubb, and Eduardo della Maggiora, Founder & CEO at Betterfly. Some of the topics Marcos and Eduardo discussed: How SMEs are completely underserved in the employee benefits space in Latin America The importance of being culturally aligned with one’s business partners The deep, underlying social purpose of the insurance and benefits industry How putting Purpose first is the secret to Betterfly’s success The power of customer engagement and how Betterfly does this differently Helping people live their best lives

Insurance for the New Possible was joined by Isabella Carvalho, Head of Digital APAC at Chubb, and Rajive Keshup, Partner at Cathay Innovation. Some of the topics Isabella and Rajive discussed: - Lessons learned from their experiences in Management and Strategy Consulting - How to enhance the insurance value proposition with strategic partnerships - The importance of internal selling to jump-start innovative initiatives - The necessity to expand internal mentality to impact external results - The true potential for disruption versus real value chain innovation - Startup valuations and volatility in public equity markets

Insurance for the New Possible was joined by Rodrigo Valiente, a Vice President, Head of Digital for Latin America at Chubb and Moises Flores, the CFO at Kavak.com. Some of the topic Moises and Rodrigo discussed: The used car market in Latin America is huge Having a global mindset Building the ecosystem for car sales and service Building financing capabilities and lending underwriting Buying, Selling, Financing and Servicing automobiles Bank partnerships and available credit lines Data analysis and loan stabilization

Insurance for the New Possible was joined by Neil Trinidad, the Chief Marketing Officer at GCash and Om Bhatia, the Head of Digital Revenue Growth, at Chubb. Some of the topics Neil and Om covered: Being more excited about insurance than crypto How to make insurance part of the everyday experience of the hustling mass Using transactional data to understand potential clients’ risk composition The power of data and being able to A/B test in real-time Innovation and the willingness to take some risks to build the right products How technology deserves a business application

Insurance for the New Possible was joined by Khue Dinh, the Country President in Vietnam at Chubb, and Terry Li, the Head of Insurance at Techcombank. Some of the topics Khue and Terry discussed: The need to simplify operating models and distribution channels to reach more potential customers The youth market in Vietnam is a huge opportunity In Vietnam, people still don’t consider insurance as a risk management tool The necessity to understand customers’ needs and priorities to get them the right coverage Customers want personalization and tailored solutions Partnering with other companies and industries to create an ecosystem of benefits for customers The role financial literacy plays in increasing insurance penetration in Vietnam Data-powered insights and product personalization

Insurance for the New Possible was joined by Joaquin Richards, the Senior Product Lead at NuBank and Rodrigo Valiente, a VP and Head of Digital for Latin America at Chubb. Some of the topics Rodrigo and Joaquin discussed: The immense opportunity to build a digital-first bank in Brazil Customer-focused and mobile-first to create seamless experiences Providing amazing digital experiences to satisfy customer expectations The development of new underwriting models and experimentation with new data points Product building should be based on experiences customers will love The need to accept some uncertainty when launching new products The challenge of integrating change in a fast-growth environment

Insurance for the New Possible was joined by Adrian Hill, the Head of Consumer Propositions for Asia Pacific at Chubb, and Elysia Chan, Insurance Practice Leader. Some of the topics Adrian and Elysia discussed: What it means to be a “Post-Digital Insurer” New business models and new technologies Changing corporate culture to fixate on experiences Partnerships and collaboration - driven by customer centricity Aligning yourself with the customer’s lifestyle Data sharing and how customers can benefit

Insurance for the New Possible was joined by Serene Neo, the Head of Consumer Lines at Chubb in Singapore and Evy Wee a Managing Director at DBS.  Some of the topics Serene and Evy discussed:  Breaking down consumer behavior and finding insights  Helping consumers discover what they want  Without financial security it is hard to achieve life goals  How one’s financial life responds to life events  The importance of financial literacy  Protection and Investment - How To Strike a Balance  Choice vs. Complexity and Convenience vs. Information

Insurance for the New Possible was joined by Edward Ler, Executive Vice President and Head of Southeast Asia at Chubb, and Iwan Juwono, the Head of Insurance at Grab.  Some of the topics Edward and Iwan covered:  Designing product strategy and segmentation  Making insurance more accessible  Creating access for people that don’t currently have access to insurance  Financial literacy and its impact on the underserved  The emergence of new risks  The impact of GDP per capita on insurance penetration  The ongoing importance of the smartphone for distribution  How transaction costs affect small transactions Why partnerships matter and how they enable democratization  Can AI be used to automate claims settlement?

Insurance for the New Possible was joined by Sean Ringsted, the Chief Business Digital Officer for Chubb and Hugh Terry, the CEO and Founder of The Digital Insurer.  Some of the topics Sean and Hugh discussed:  The rise of ecosystems and the platform economy  The impact of embedded insurance and product relevance Alternative forms of distribution and hybrid engagement models  The importance of being customer focused   Being data-driven and hyper-personalization   Being a triple-geek Developing content to provide awareness