Michał Trochimczuk: Last 10 years: What have been the most important technological developments for the insurance industry in the last 10 years and what significance have they had for Triglav's business?

Andrej Slapar: Over the past decade, the insurance industry has undergone a profound digital transformation. The proliferation of internet technologies enabled a shift from paper-based and in-person processes to online channels, making policy acquisition and claims management more transparent and efficient. The rise of predictive analytics and data science has allowed insurers to incorporate vast datasets — from credit histories to satellite imagery — into risk modelling, resulting in unprecedented granularity and accuracy. Cloud computing has further revolutionized core systems, enhancing scalability and speed, while robotic process automation and AI have streamlined routine tasks such as policy renewals and claims triage. The Internet of Things (IoT) has introduced real-time data into risk models, enabling usage-based insurance and proactive loss prevention through smart devices.

For Triglav, these technological advancements have translated into a need for growing share of digital service and the development of innovative solutions like the i.triglav app, which allows customers to manage policies and assess natural disaster risks. We have also embraced automated claims journeys, enabling faster settlements and improved customer experience for minor claims. Continued investment in digital transformation is one of key points of our strategy, ensuring operational efficiency and a robust omni-channel presence that meets evolving customer expectations.