The Spanish insurance industry is on the verge of a “major disruption”, marked by ubiquitous Artificial Intelligence (AI). According to the recent report published by Mutualidad (II Radar de Radares)the future of insurance will revolve around a powerful triangle: AI, Data and Talent. At Delonia, we are aligned with this vision, offering solutions that directly address these macro trends to ensure the scalability and profitability of the digital transformation.
Summary of the 6 key macro trends
The report details six technology pillars that will set the agenda in 2026:
1. Generative AI as a disruptive engine:
Trend: after a 2025 focused on governance, 2026 will be the year of the real breakthrough. 76% of insurers already use AI in pilots.
Barriers: difficult to calculate ROI, governance framework (including ethical oversight), and talent shortage.
2. Cultural change and talent as a foundation:
Trend: cultural transformation is imperative for AI scalability. Internal training is critical.
Barriers: skills and retraining deficit (77% of senior management see their teams as unprepared), the algorithmic trust gap and Legacy systems.
3. Process automation (RPA + AI):
Trend: combining RPA with AI for more agile and customer-centric processes. Up to 40% reduction of manual tasks has been achieved.
Barriers: the obstacle of legacy systems, the lack of standardized data and the need to select use cases with adequate volume to ensure profitability (especially in medium and small companies).
4. Hyper-personalization of the offer:
Trend: customers expect personalized, agile and transparent products, increasing customer retention by 15%. Willingness to share data has risen to 60%.
Barriers: legal constraints and privacy,dependence on data quality and updating, and distrust of algorithmic decisions.
5. Digital ecosystems and collaboration:
Trend: collaborative model driving 30% of insurance transactions by 2028. The primary motivation is to expand reach and improve the user experience.
Barriers: technological complexity for integration, reduced margins due to profit sharing and regulatory risks.
6. Data management, analytics and governance:
Trend: Quality data is the foundation of AI and a competitive advantage. Global investment in insurance analytics is forecast to grow from $16.5 billion (about €14.3 billion) in 2025 to nearly $44 billion (about €38.2 billion) in 2032.
Barriers: lack of data quality and consistency, shortage of analytical talent, and governance and privacy that limit innovation.
Delonia Valuation: transforming challenges into opportunities
At Delonia, we see these challenges as a clear roadmap for the future of the insurance industry. Our approach is designed to mitigate the main barriers mentioned in the report, allowing our clients to advance safely in the “III Industrial Revolution”, from the application of practical strategies for the implementation of new technologies, and the integration within the ecosystem of existing systems in the entities.
1. Addressing ROI and governance of AI
The biggest “pain” is the calculation of ROI in AI operations. At Delonia, we work with use cases of high impact and demonstrable profitability (such as intelligent claims automation or authorization management in health insurance), linking AI investment directly to improved operational efficiency (cost reduction) and customer experience (increased retention). In addition, our projects integrate governance and ethics frameworks from the outset to ensure a secure and transparent deployment.
2. Solving the problem of non-standardized data
The barriers to automation and hyper-personalization come down to data quality and standardization. Our data pipelines and Data Governance solutions are focused on transforming scattered and inconsistent data into strategic assets. The homogenization of data and its correct cataloging and structuring not only facilitates the complete and reliable automation of processes (such as data entry or policy processing), but is the only basis for effective hyper-personalization that complies with privacy regulations.
3. We make it easy to overcome Legacy and systems integration.
Legacy systems (old and obsolete processes) and the technological complexity of ecosystem integration are constant obstacles to scalability. At Delonia, we are experts in architecture modernization, using middleware and API-fication solutions for:
- Decouple business layers from legacy systems.
- Ensure fast and secure integration with external partners and platforms, overcoming the challenge of technological complexity and reducing regulatory risks.
All this is possible thanks to a team of process and data analysts who establish the necessary mechanics to progressively transform these legacy systems, successfully achieving the digital modernization objectives required for the present and future of new technologies and businesses.
Conclusion
The insurance industry is experiencing a moment of takeoff. The six macro trends, led by AI, demand a digital transformation strategy that not only innovates, but also manages talent, governance and data quality risks. Delonia is a strategic partner that provides the intelligence, technology and cost-effective approach for your insurer to not only participate in this revolution, but to lead it.
