科技趋势雷达2025
AI GovernanceAI DemocratizationSynthetic DataQuantum ComputingInsurance API StandardizationArtificial General IntelligenceSpatial IntelligenceData & AIIntroductionThe Tech Trend Radar 2025, a collaborative initiative ofMunich Re Business Technology and ERGO IT Strategy,provides essential information on technology-driven trendsrelevant to insurance companies. Prepared by insurers andfor insurers, it aims to raise awareness, spark new discus-sions, and unlock new business opportunities. Healthy HumanLegal TechAI Search EnginesAI AgentsGenerative AIAI-Augmented Software EngineeringHoldAssessTrialAdopt AI MedicineDigital HealthcareBehavioral AnalyticsConnected ExperienceMetaverseUbiquitous ConnectivityAmbient ComputingExtended RealityEdge AICyber & CryptoDecentralized Data EconomyAutomated ComplianceDigital AssetsDeepfake DefenseNon-Human IdentityDigital Immune SystemRedefining IndustriesCrop IntelligenceNew Energy at ScaleTrade Secret ProtectionElectric VehiclesHydrogen EconomyHumanoid RobotsAutonomous MobilityClimate ResiliencePersonalized MedicineAutonomous InteractionsBy leveraging insights from various business and strategyfunctions within Munich Re Group, and those actionableand objective insights from Gartner® research, the radar offersa comprehensive overview of the latest tech trends, theirmaturity, and their relevance for the insurance industry,helping insurers make informed decisions and drive growth. IntroductionForewordOur approachHow to read this reportImpacts on the value chainOur solutionsTeam & ContributorsImprintContents 24–567–8101–102103–109110111 Healthy Human37Personalized Medicine40AI Medicine43Digital Healthcare46Behavioral Analytics48Connected Experience50Metaverse53Ubiquitous Connectivity55Ambient Computing56Extended Reality (XR)57Edge AI59Autonomous Interactions60Cyber & Crypto62Decentralized Data Economy65Automated Compliance67Digital Assets69Deepfake Defense72Non-Human Identity74Digital Immune System76Redefining Industries78Crop Intelligence81New Energy at Scale84Trade Secret Protection86Electric Vehicles88Hydrogen Economy91Humanoid Robots94Autonomous Mobility97Climate Resilience99 ForewordMessage from the CEOTechnology is a driving force behind insurers’ business suc-cess and has long since ceased to be just a supporting factor.The latest edition of our Tech Trend Radar highlights the keytrends shaping our industry, for example AI Agents, SpatialIntelligence or Digital Healthcare.Technological advancements not only have the potential totransform our industry processes and dynamics. At the core ofour business, they can act as a catalyst for the emergence ofcompletely new risks, which challenges us and at the sametime opens up opportunities. The same technologies that bringefficiency and innovation often also create new vulnerabilitiesand liability challenges.In the past, the dual nature of technology has always givenrise to new insurance solutions, such as car insurancewith extended warranty for electric vehicles, cyber insuranceor AI performance guarantees. Understanding new technologies, their applications and risks,and developing customized insurance solutions for clientsbased on technological expertise and sound judgement ismore crucial than ever for achieving or maintaining a leadingcompetitive position.We want the expertise gathered in this Tech Trend Radar tohelp our clients navigate new business opportunities, find thebest route to increased operational efficiency and ultimatelycreate more value for everyone on board.I invite you to explore Tech Trend Radar 2025 and join us onthis journey.Sincerely yours,Joachim Wenning,Chair of the Board of ManagementMunich Re ForewordTech Trend Radar 2025 –Insurance in the age of intelligenceIn 2025, Artificial Intelligence (AI) is a success-critical techno-logical dynamic for the insurance industry, though hardly theonly one. To thrive in this fast-changing environment, insurersneed a clearly defined long-term strategy and a laser-sharpfocus on how technology can help them get ahead.Our 12thedition of the Tech Trend Radar serves as a guide tonavigating these complexities, while also shedding light on theforces currently shaping the industry.Investments in technology – be it AI Agents, Non-HumanIdentities, or Spatial Intelligence – should not be made fornovelty’s sake but to enhance operational efficiency, and tostreamline all processes, from sales and underwriting to claimshandling. At the same time, an acute awareness of marketdynamics is crucial. What appears revolutionary today willbecome a commodity tomorrow, making it ill-advised to lockinto expensive software solutions or develop everythingin-house. Instead, the focus should lie on investments thatdeliver a lasting competitive advantage, while partnershipscan be leveraged for those capabilities that won’t help setthe company apart from its competitors. Martin ThormählenChief Technology OfficerBusiness TechnologyMunich Remthormaehlen@munichre.com Beyond the optimization of
