He worked for over five years as CIO at the Swiss company Zurich Insurance, was the transformation leader at AXA and change manager at P&V and therefore knows the sector extremely well. ‘I don’t digitise insurance, I focus on making it accessible, scalable and human,“ says Didier Muréna, co-founder of Swinz. This is a digital mobile solution that positions itself as the ‘Spotify of insurance”. His solution is offered both directly and indirectly (existing insurance companies without a mobile solution). ‘It’s about reinventing business models, not just being online. The gap between insurers and consumers is leaving entire market segments untouched and creating new markets. Didier Muréna created an ecosystem of technology (including Amazon Web Services), insurers (including Axa and Europe Assistance) and brokers (Febratel) for a complete digital solution. This enables Swinz to develop insurance solutions in a matter of days, rather than months, to create smart contracts and new insurance user experiences. It’s multi-channel by design, unlocking the 350 billion euro embedded insurance market. Paper is now a thing of the past.