In this episode of the Reinventing Finance Podcast, ⁠KASKO⁠ CEO & Co-Founder Nikolaus Sühr speaks with Viola Zsédely-Takács, Business Development Director for New Growth Engines at Ageas.

During the conversation Viola shares insights about how Ageas is scaling B2B2C insurance across Europe and Asia - focusing on distribution innovation, digital bank assurance, and what it really takes to industrialise embedded insurance.

Here are some of the key-topics discussed in the episode:

📍Strategic evolution at Ageas from the Impact 24 to Elevate 27 strategy, narrowing focus towards B2B2C distribution innovation.

📍Three innovation areas Ageas prioritised: health, protection (life products beyond traditional underwriting), and B2B2C partnerships, and how these areas intersect.

📍The challenge of adapting insurance products—especially protection products—for embedded and digital distribution contexts, with a strong emphasis on customer-centric simplification.

📍Differences in product design and UX between advisory channels (e.g. agent/broker) and digital or embedded journeys.

📍Concrete use cases from India and Turkey, including successful digital loan and credit life products with optional riders like unemployment protection.

📍Scalability as a core principle, including standardised product backends, reusable assets, and partnerships to allow onboarding of new B2B2C partners in as little as 48 hours.

📍Digital B2B2C distribution channel strategies beyond bank assurance, including telcos, e-commerce, digital wallets, and microfinance institutions—while deliberately excluding red ocean segments like travel.

📍The importance of flexible technology stacks and external partnerships over bespoke internal builds to ensure adaptability, speed, and cost-effectiveness.

📍Key performance indicators used to track success, including business inflows, number of lives insured, product profitability, and number of reusable assets.

📍Cultural and operational insights from implementing a centralised B2B2C innovation model across 13 markets with diverse regulatory and digital maturity levels.

Check out the episode to find out more!

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