McKinsey’s annual Top Tech Trends report identifies the technologies shaping business and society, with direct implications for the insurance and reinsurance sectors. The 2025 edition emphasizes how innovation, resilience, and ethical adoption will define competitiveness in the next decade.
Key Themes and Insights
Generative AI and Advanced Analytics: Beyond Hype, Into Execution
Generative AI remains the most transformative trend, now moving from pilots to scaled enterprise use. For insurers and reinsurers, this means new models for underwriting support, fraud detection, and client servicing. The report also stresses responsible adoption, with safeguards to ensure transparency and fairness.
Cloud, Edge, and Data Ecosystems: Speed Meets Scale
Hybrid architectures combining cloud and edge computing are enabling real-time risk monitoring, faster claims handling, and integration of massive data flows. For reinsurance, this opens opportunities to model catastrophe exposures and portfolio accumulations with unprecedented granularity.
Cybersecurity and Digital Trust
As digital ecosystems expand, cyber risk grows. McKinsey highlights the evolution toward zero-trust frameworks and embedded security. For the insurance industry, cyber resilience is both an operational necessity and a fast-growing line of business.
Climate Tech and Sustainable Infrastructure
The report dedicates attention to green technology—from renewable energy systems to carbon capture and sustainable mobility. These shifts carry direct consequences for risk assessment, liability coverage, and engineering insurance, demanding new underwriting frameworks.
Biotech, Health Tech, and Longevity
Advances in biotechnology and personalized health solutions are reshaping demographics and healthcare costs. For insurers, this translates into new opportunities in health, life, and longevity products, alongside the challenge of managing evolving actuarial assumptions.
Explore the full report here: McKinsey – The Top Trends in Tech 2025
