Capgemini – Financial Services Top Trends Insurance, Jan 2026

The report focuses on key trends in the insurance industry for 2026, emphasizing three interconnected areas: distribution and interaction, technological innovations, and operational efficiency.

Consumers prefer 'phygital' channels of interaction, requiring insurers to adapt and partner with ecosystem players to create embedded offerings. The adoption of hybrid cloud technologies and artificial intelligence is accelerating to modernize IT infrastructure and enhance competitiveness. There is a need to overcome challenges with siloed data and traditional risk models to increase decision-making speed and reduce costs.