Stefan Scherrer

At the Zurich Agentic AI Hackathon, 200+ prototypes showed us how bold ideas can tackle real-world problems. One stood out: AgentricAI.   Their solution reimagines travel claims with a multi-agent AI system - speeding up resolution, reducing manual work, and ensuring transparency with human oversight where it matters most.   This is just a glimpse of how AI can transform the customer experience in insurance. We’re now moving into real-world pilots, guided by our principles of responsibility, transparency, and human control.   It’s another step in our proven innovation journey at Zurich Insurance – scale what works, solve what matters.   Meet the innovators shaping what’s next ➡️ 🔗 https://lnkd.in/eW2tSv8H   #ZurichInnovates #ZICAgenticAI Ericson Chan Paolo Mantero Antony Elliott Joel Agard Frank Verkerk Dr. Christian B. Westermann

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Scroll through LinkedIn and you’ll see two camps: • The Optimists painting Agentic AI as the savior of underwriting, claims, and customer experience overnight. • The Skeptics warning of runaway costs, regulatory chaos, and existential risks. Different words, same mentality. Both extremes miss the point. The truth? Agentic AI is neither a silver bullet nor a ticking time bomb. The real opportunity lies in orchestration of solving the last mile decision making where human judgment, legacy tech, and regulatory nuance collide. That’s the hard part, and it’s where most narratives stop short. At Genpact we talk about process DNA, the hidden complexity of how work really flows. Agentic AI will only succeed if it learns to navigate that DNA, not bulldoze over it. Insurance is built on trust, risk sense, and context. Automation alone won’t get you there, but an AI that can orchestrate across fractured systems, adapt to regulation, and augment human judgment? That’s where the value is. This isn’t hype or fear. It’s realism. And it’s more powerful than either extreme because it acknowledges insurance as it actually operates. Reminds me of Peter Drucker’s warning: “The greatest danger in times of turbulence is NOT the turbulence, it is to act with yesterday’s logic.” #AgenticAI #FutureOfInsurance #ProcessDNA #LastMileAI #DigitalTransformation #InsuranceInnovation

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🌐 Internet of Trust: The Interface of the Future is Emerging Now We are standing at the threshold of a new era of digital interaction. What we see today in a simple app screenshot may, in just a few years, prove to be the beginning of a second great Internet revolution. Three forces are working together: 1️⃣ The Wallet Container as a Standard A dynamic wallet container is becoming the central hub of our digital lives. It unites credentials, cards, permissions, and identities in one secure place – interoperable, portable, trustworthy. This architecture forms what is already being called the Internet of Trust: a digital layer where every credential is not only “displayed” but also verifiable, standardized, and usable everywhere. 2️⃣ From Tapping to Dialogue The classical static command sequences in apps are disappearing. Instead, we are entering into dialogue with our digital services. 🤖 AI-driven prompts replace menus, buttons, and forms. The app becomes a conversation. Instead of clicking through rigid flows, a dynamic interface responds to context and intent. Every interaction becomes more personal, more efficient – and radically simpler. 3️⃣ Regulation as an Enabler Europe is currently building – through eIDAS, the EUDI Wallet, and other initiatives – a regulatory framework that ensures trust is not left to chance. ⚖️ This creates the foundation for an ecosystem that is not only technologically sound but also legally secured. It is more than infrastructure – it is a value-based foundation for a new Internet. 📲 A single screenshot illustrates all of this in miniature: A loose collection of credentials – bank card, ID, customer card – combined within a wallet. Added to this is the idea of a chat-based interface that executes commands and dynamically generates detail views such as transactions or balances. What looks like a simple app screen becomes a symbol of what lies ahead: a digital ecosystem built on trust, dialogue, and clear rules. ✨ When these three developments converge, something arises that goes far beyond “apps.” We are moving toward a new foundational layer of the Internet – a trust-driven operating system for our digital lives. This is the chance not only to build new interfaces but to reshape the relationship between humans, technology, and society. The interface of the future will not emerge by accident – it will arise because technology, regulation, and interaction are being reimagined together. And right now, we are laying those foundations. Disclaimer: The interface depicted and the ideas expressed here do not represent the views of DSGV or the Sparkassen Finanzgruppe. They are early reflections from our lab and from myself personally. #InternetOfTrust #FutureOfInternet #DigitalIdentity #EUDIWallet #AIInterface #ConversationalUX #DigitalEurope #jobs #aptitude #nobi DSGV - Deutscher Sparkassen- und Giroverband Sparkasse

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🚨📋 Check out the new AXA Future Risks Report - it's highly relevant as always, one of my favorite report on the topic! 🔥 This is a #MustRead for Chief Security Officers around the globe https://lnkd.in/e3f7vn8D 1️⃣ #ClimateChange remains the top risk and the sense of vulnerability is high. Only 12% of experts and 32% of the general population believe that public authorities are well prepared to handle it 🔥 2️⃣ #Geopolitical instability is increasingly worrying experts. 84% of experts and 79% of the general population think there is a significant risk that geopolitical tensions lead to a global war. 3️⃣ #Cybersecurity remains a top threat. The risks are tied to geopolitical instability, #AI advancements, and growing reliance on large-scale providers 🔐 Here are two other key takeaways imo: 🔑 #Fragmentation: A majority of both experts/general population believe their countries face “a deep and worrying social divide” or people have “fewer and fewer common values and aspirations”. Numbers are higher in Europe and the United States than the Asia-Pacific region. 🔑 #Convergence of cyber risks, misinformation, AI, and geopolitical instability is striking 🌐 It’s time to rethink security organizations and adopt a holistic, integrated approach. It has now become essential to drive coherence in actions! #RiskManagement #AXA #ClimateChange #Geopolitics #AI #Cyber #FutureRisks #SecurityTransformation

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*Insurance cycles detection using neural networks* by hamza hanbali – published in the July 2025 issue of the Annals of Actuarial Science. Link to full text in the comments. Abstract: This paper utilizes neural networks (NNs) for cycle detection in the insurance industry. The efficacy of NNs is compared on simulated data to the standard methods used in the underwriting cycles literature. The results show that NN models perform well in detecting cycles even in the presence of outliers and structural breaks. The methodology is applied to a granular data set of prices per risk profile from the Brazilian insurance industry. #actuarialscience #research #insurance #cycles #neuralnetworks

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You don't stand a chance with us without AI - for good reason. To use #AI or not is a question of mindset. The world is changing rapidly - and we want to play an active role in shaping this change. New technologies are constantly creating new opportunities. AI is our benchmark today and tomorrow. It’s a game changer. AI implementations focus on scalable business cases with material impact.   At some point it will be a new technology. But the engine always remains the same: the willingness to embrace new things, to see change as an opportunity and to want to learn in order to grow continuously. The right mindset asks: "How can we do even better?" Anyone who lives this spirit is in the right place with us - regardless of role or experience. We promote a #performance culture that thrives on people with this mindset. And we therefore also promote talented people who want to learn, are open to new perspectives and have the courage to embrace change. AI is our current benchmark - but mindset will always remain our central recruitment criterion. How do you cultivate a mindset that thrives on innovation?

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Feeling Stuck? While everyone talks about #AI transformation, fewer than 20% of companies are actually scaling generative AI meaningfully. Most remain trapped in endless experimentation—countless pilots that never deliver real business impact. The problem isn't technology. It's strategy. Too many organizations treat AI as another IT deployment instead of what it really is: a fundamental shift in how we compete and create value. Two strategic imperatives separate winners from laggards. First, AI transformation must be driven from the top with executive ownership, clear vision, and integration into core performance metrics. Teams need explicit direction to make changes of this magnitude. Second, focus beats fragmentation. Instead of chasing hundreds of use cases, concentrate on four to five critical domains where AI can reshape entire systems of work. Think complete customer lifecycles, not isolated tasks. These become your competitive battlegrounds. The companies pulling ahead aren't the ones with the flashiest demos or biggest budgets. They're making disciplined strategic choices and executing with operational rigor. Kudos to Chuck Whitten, Sarah Elk, Florian Mueller, and Richard Fleming with Bain & Company for sharing their insights. https://lnkd.in/e36Q_cwG

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