The insurance industry has undergone significant transformation in several areas, driven by advancements in technology, data analytics, and changing customer expectations. In some of the areas, such as InsurTech, Predictive Modelling or Embedded Insurance we have seen remarkable innovation that are comparable to or even surpass other industries. However, economic conditions and global uncertainty require very selective technology investments and continued value tracking over the next few years. Where should you look to invest to meet evolving customer needs, improve operational efficiency, and manage risks effectively?