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Insurance for the New Possible

Insurance is undergoing a profound transformation, where payments—once seen as a back-office function—are emerging as a critical driver of customer experience, fraud prevention, and business growth. In a dynamic conversation, Adrian Davis, Commercial Leader: Financial Services, Insurance and Enterprise Financial Products at Adyen, and Sebastian de Zulueta, Head of Digital Business, EMEA at Chubb, discussed how when integrated effectively, payments not only reduce friction but also enable innovations like embedded insurance, where coverage is offered contextually at the point of purchase. This shift aligns with modern consumer expectations, who benchmark insurers against digital leaders like Amazon and Netflix rather than other insurers.

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Some of the insights they shared included:

Payments are the gateway to capital movement through an insurer and play a pivotal role in customer acquisition. Payments aren’t just operational—they are strategic levers for growth and retention.
Digital-native consumers don’t benchmark insurers against one another—they compare them to platforms like Amazon or Netflix. The expectation is instant, seamless, and intuitive service.
Optimized and innovative payment functionality can help fight fraud and reduce costs.

While many envision AI personalizing consumer-facing insurance experiences, Adrian noted the most immediate impact today is behind the scenes: claims assessment, fraud detection, and process automation.
The conversation highlighted the insurance gap among SMBs and digital-first entrepreneurs, from Shopify sellers to independent online creators. Platforms that already serve SMBs could become powerful distribution channels for embedded insurance.

Adrian Davis

Commercial Leader: Financial Services, Insurance and Enterprise Financial Products
at Adyen

Adrian Davis is a dynamic and commercially focused business leader, advisor, and board director with a proven track record in driving digital transformation across Financial Services and Insurance. With over 25 years of strategy consulting and international business management experience, he has operated at the CxO level, leading and inspiring teams to achieve ambitious growth objectives.

Sebastian de Zulueta

Head of Digital Business EMEA
at Chubb

Sebastian is leads the Chubb digital business for EMEA, partnering with leading technology companies to deliver digital and embedded insurance programmes at scale. Over the last 12 years, Sebastian has been instrumental in introducing new technologies to the insurance sector. He began his career as a Property & Casualty (P&C) broker with Tysers, then transitioned to Lloyd’s of London as an Innovation Facilitator, where he played a key role in establishing the Lloyd’s Lab. Following this, he founded Market Minds, a boutique consultancy, and launched the London-based conference Insurance 3.0. Most recently, Sebastian worked at the FinTech company Stripe, leading their insurance partnerships in the UK and securing significant deals with Chubb and other leading firms.

Insurance for the New Possible

Once a month, find a new episode on Insurance for the New Possible. We gathered insurers, bankers, digital platform builders, Neo banks, airlines, and large investors to discuss the innovation, transformation, and technological evolution that is redefining the massive number of possibilities in the insurance industry.

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