12 September 2025

AI, ecosystems, and embedded insurance: APAC CEO Philip Weiner on the future of insurtech

In a recent interview with Asia Insurance Review, our APAC Chief Executive Officer, Philip Weiner, shared how the insurtech landscape in Asia-Pacific is evolving around three big theme: ecosystem partnerships, accelerated digitalisation, and a shift toward proactive protection.

Insurance ecosystem partnerships
Insurance is increasingly embedded within broader customer journeys – opening the doors for cross-industry collaboration, including with newcomers to insurance.
Digital innovation
AI and machine learning are transforming underwriting, claims, and customer experience. The differentiator isn’t tools alone, but data readiness, governance, and the ability to scale responsibly.
Proactive protection
Insurance is moving from a “safety net” to everyday prevention. bolttech is integrating preventative tools with insurance offerings to deliver practical value that helps customers avoid adversity in the first place.

“Insurance is increasingly being integrated into everyday digital platforms, offering customers more seamless and relevant protection at the point of need. With ecosystems bringing together insurers, distributors and tech partners, we can expect to see faster innovation and broader reach.”
– Philip Weiner, CEO, APAC

bolttech’s strategic response: Closing the protection gap

We’ve built a modular, digital-first platform designed for these shifts. Through partnerships such as integrating our insurance exchange with a financial comparison service, we enable seamless, transparent, and personalised shopping experiences. In Thailand, bolttech is embedding protection into everyday services to reach underserved communities. Low-cost products like device and payment protection serve as entry points for those new to insurance.

APAC: Opportunities and challenges

Opportunities include a rapidly expanding, digitally savvy middle class and widespread adoption of digital financial services. Challenges span high customer-acquisition costs, varying levels of digital maturity, and complex, market-by-market regulation. We address these by investing in local expertise, robust governance, and partnership-led distribution.

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