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More than 30,000 professionals make up the ecosystem of Cetif: we facilitate the meeting and exchange between banks, insurers and companies in an academic Center, competent and independent environment to share knowledge, experience and strategies on the most innovative drivers of change.
16 Research Hubs focused on dynamics of strategic evolution, regulatory updates, organizational and process practices, and the effects of digitization: we study innovation trends and best practices and share them with our communities.
Over 60 events including Main events (Workshop and Summit) and Community events (related to research activities) and Webinar: we bring together banks, insurance companies and businesses for shared growth on trends and challenges to outline innovative development strategies.
More than 40 Executive Education tracks, 4 Master's programs and numerous Company Specific Programs: we transfer innovative financial-oriented content with a scientific approach.
An experimental spin off combining academic research and entrepreneurial approach: we turn innovation and digitization into a concrete business advantage.
In recent years, the insurance sector has been undergoing a period of profound transformation, accelerated by external factors—such as the pandemic emergency, regulatory changes, and the increase in the frequency of extreme weather events—and by internal dynamics linked to technological innovation and changing customer expectations. Emerging trends point to an industry increasingly focused on extended protection, advanced consulting, and data-driven operating models.
In terms of products, there is a significant increase in interest in health, personal, and home insurance, partly in response to the perception that the public welfare system is under pressure. This is accompanied by renewed interest in solutions related to catastrophic risks, supported by regulatory intervention and increased customer awareness of their exposure. The offering is evolving towards more modular and customizable models that can be adapted to the risk profile and behavior of the insured, moving beyond standardized approaches.
Distribution is increasingly becoming omnichannel. Physical agencies remain a central hub for customer relations, but are gradually being integrated with digital touchpoints that expand opportunities for contact throughout the entire customer journey. Today's customers are more informed and aware, demanding continuous and consistent interaction across channels, alternating between high value-added consulting and self-service digital services. In this context, the digitization of underwriting, signing, and after-sales processes becomes a key lever for improving the experience and increasing engagement frequency.
From a technological standpoint, the adoption of solutions based on artificial intelligence and automation is affecting both front-end and internal processes. Virtual assistants, advanced chatbots, and intelligent document search tools support distribution networks and customer care, improving operational efficiency and the quality of customer responses. At the same time, the dematerialization of communications and the growing use of digital channels contribute to sustainability and cost reduction objectives. Finally, M&A operations are part of a strategy to strengthen the industry and expand skills.
The mergers aim not only to grow in size, but also to acquire technological know-how, specialist skills, and new service models, with a view to greater integration between insurance, financial services, and external ecosystems. Overall, the insurance sector is moving towards a more proactive paradigm, in which protection, prevention, and ongoing customer relations are becoming distinctive features of an increasingly advanced and interconnected offering.