Reinventing Finance

Nikolaus Sühr and Ronald Engel
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Reinventing Finance is a Podcast hosted by Nikolaus Sühr, CEO and Co-Founder of KASKO and Ronald Engel, CEO of VIG Platform Partners. This Podcast is for anyone who is interested in the current developments of the Insurtech, Insurance, Fintech and Finance market. Thought-provoking, entertaining and critical. Join us as we discover what some of the current industry leaders and decision makers are doing, the lessons they have learned, the main challenges and opportunities they identify, and how they see the current status of the Insurance and Finance industry.

  1. Insurance telematics strategy: From driver scoring to behavioural risk prevention - Harald Trautsch⁠, Founder & CEO of ⁠Dolphin Technologies⁠ | Eps.69 - The Reinventing Finance Podcast

    4D AGO

    Insurance telematics strategy: From driver scoring to behavioural risk prevention - Harald Trautsch⁠, Founder & CEO of ⁠Dolphin Technologies⁠ | Eps.69 - The Reinventing Finance Podcast

    In this episode of the Reinventing Finance Podcast, ⁠KASKO⁠⁠⁠⁠⁠ CEO & Co-Founder ⁠⁠⁠⁠⁠Nikolaus Sühr⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠VIG Platform Partners⁠⁠⁠⁠⁠ CEO Dr. ⁠⁠⁠⁠⁠Ronald Engel⁠⁠⁠⁠⁠ speak with Harald Trautsch⁠, Founder & CEO of Dolphin Technologies⁠⁠. Here are some of the key topics discussed in the episode: – how telematics can move from post-accident response to predicting and preventing risk – why 25% of accidents happen within the first three minutes of a trip, and what insurers can do about it – how behavioural economics explains risky driving and how to counteract it – what makes telematics programmes fail after initial engagement fades – how to target the right customer segment instead of trying to “please everybody” – why communication consent and contextual messaging are the real foundations of modern insurance – how insurers can start with a low-cost pilot instead of a six-figure telematics rollout – what it means to monetise risk reduction and reward safer behaviour – how insurers can evolve from commodity and product thinking towards experience design – why the future of telematics must extend beyond the car into broader mobility and life contexts A strategic conversation for insurance leaders on how to connect data, behavioural science and communication to create measurable impact.

    1h 1m
  2. How active cyber underwriting is reshaping European cyber insurance - Vincenz Klemm⁠, CEO & Co-Founder of ⁠Baobab⁠ | Eps.68 - The Reinventing Finance Podcast

    FEB 19

    How active cyber underwriting is reshaping European cyber insurance - Vincenz Klemm⁠, CEO & Co-Founder of ⁠Baobab⁠ | Eps.68 - The Reinventing Finance Podcast

    In this episode of the Reinventing Finance Podcast, KASKO⁠⁠⁠⁠ CEO & Co-Founder ⁠⁠⁠⁠Nikolaus Sühr⁠⁠⁠⁠ and ⁠⁠⁠⁠VIG Platform Partners⁠⁠⁠⁠ CEO Dr. ⁠⁠⁠⁠Ronald Engel⁠⁠⁠⁠ speak with Vincenz Klemm, CEO & Co-Founder of Baobab, about building a next-generation cyber MGA and what it really takes to underwrite digital risk. Here are some of the key topics discussed in the episode: – how Baobab evolved from a US insurtech success story to a European cyber MGA– why cyber insurance must integrate risk mitigation, not just risk transfer– what brokers need to actually sell cyber effectively in the mid-market– how to prove that “active cyber” prevention measurably reduces losses– why outside-in scanning alone is insufficient for robust underwriting– how accurate attack surface mapping improves speed and pricing– what NIS2 means for insurability and cyber investment across Europe– why rising cybersecurity spend does not reduce the need for risk transfer– how geopolitical tensions influence cyber risk awareness and demand A practical discussion on underwriting discipline, prevention technology and the future of cyber insurance for European SMEs and the mid-market.

    54 min
  3. How AI Agents Are Transforming Insurance Claims Operations - Mark Chemaly⁠ & Christian Chemaly⁠, Founders of ⁠Assista Pilot⁠ | Eps.67 - The Reinventing Finance Podcast

    JAN 28

    How AI Agents Are Transforming Insurance Claims Operations - Mark Chemaly⁠ & Christian Chemaly⁠, Founders of ⁠Assista Pilot⁠ | Eps.67 - The Reinventing Finance Podcast

    In this episode of the Reinventing Finance Podcast, ⁠⁠⁠KASKO⁠⁠⁠ CEO & Co-Founder ⁠⁠⁠Nikolaus Sühr⁠⁠⁠ and ⁠⁠⁠VIG Platform Partners⁠⁠⁠ CEO Dr. ⁠⁠⁠Ronald Engel⁠⁠⁠ speak with ⁠Mark Chemaly, CEO & Co-Founder of Assista Pilot, and Christian Chemaly, CTO & Co-Founder of Assista Pilot. Here are some of the key topics discussed in the episode: – how AI agents differ from chatbots, RPA and traditional automation in insurance operations – what an AI agent actually is and how it takes action across systems – why claims is the most impactful starting point for agentic automation – how AI agents handle unstructured data from FNOL to decision-ready claims files – what insurers need to solve before they are truly “AI-agent ready” – how to combine deterministic systems, APIs and AI without replacing core platforms – why modular, layered implementations outperform large rip-and-replace projects – how to prioritise claims processes based on cost, customer experience and speed – what insurers often underestimate when moving from pilots to production – why voice and conversational claims journeys require a complete rethink of process design The conversation offers a practical, experience-led view on how insurers, MGAs and TPAs can deploy AI agents in claims with measurable operational and customer impact, without over-engineering or unrealistic expectations.

    1h 1m
  4. Inside the Rise of Gaming Insurance: Digital Risk, Gamer Behaviour and How Skins, Hardware and Accounts Are Insured - Sung Feng Wu, CEO of Avata | Eps.66 - The Reinventing Finance Podcast

    12/16/2025

    Inside the Rise of Gaming Insurance: Digital Risk, Gamer Behaviour and How Skins, Hardware and Accounts Are Insured - Sung Feng Wu, CEO of Avata | Eps.66 - The Reinventing Finance Podcast

    In this episode of the Reinventing Finance Podcast, ⁠⁠KASKO⁠⁠ CEO & Co-Founder ⁠⁠Nikolaus Sühr⁠⁠ and ⁠⁠VIG Platform Partners⁠⁠ CEO Dr. ⁠⁠Ronald Engel⁠⁠ speak with Sung Feng Wu, CEO of Avata. Here are some of the key topics discussed in the episode: – how insurers currently misunderstand digital risk, gamer behaviour, and the scale of the gaming economy – why gaming represents a mainstream, fast-growing multi-billion-euro market rather than a niche – how to think about insuring digital assets, skins, accounts and hardware, and what makes valuation and evidence easier than in the physical world – what digital communities expect from protection products and why language, credibility and cultural fit matter – how embedded distribution works in gaming ecosystems and why federations, marketplaces and events offer strong entry points – what drives B2B2C adoption, partner objections, and the actual timelines from first conversation to go-live – why the future of gaming insurance is parametric, automated and AI-driven, with instant, event-based payouts – what insurers can learn from gamer expectations around UX, transparency and community-centric product design A deep dive into one of the fastest-emerging risk categories, and what it reveals about the next generation of insurance customers.

    56 min
  5. Building Trust and Value in the German Insurance Comparison Platform Market - Aljoscha Ziller, Managing Director of Verivox Versicherungsvergleich GmbH | Eps.65 - The Reinventing Finance Podcast

    12/04/2025

    Building Trust and Value in the German Insurance Comparison Platform Market - Aljoscha Ziller, Managing Director of Verivox Versicherungsvergleich GmbH | Eps.65 - The Reinventing Finance Podcast

    In this episode of the Reinventing Finance Podcast, ⁠KASKO⁠ CEO & Co-Founder ⁠Nikolaus Sühr⁠ and ⁠VIG Platform Partners⁠ CEO Dr. ⁠Ronald Engel⁠ speak with Aljoscha Ziller, Managing Director of Verivox Versicherungsvergleich GmbH. Here are some of the key topics discussed in the episode: – how Verivox Versicherungsvergleich GmbH as price comparison website (aggregator) positions itself within the German insurance market through trust, transparency and a holistic household-focused approach – how understanding “household economics” shapes Verivox Versicherungsvergleich GmbH multi-vertical strategy across insurance, energy, telco and banking – why Verivox Versicherungsvergleich GmbH avoids competing with insurers at the customer interface and focuses instead on triple-win partnerships – how online portfolios can be profitable despite high acquisition costs, and what mix of channels and products makes it viable – what claims insights mean for retention and how Verivox Versicherungsvergleich GmbH works with insurers to understand and influence portfolio quality – how personalisation, modular funnels and data-driven recommendations improve customer journeys – what role AI can play in supporting (rather than replacing) advisory functions in digital distribution – how behavioural triggers, upselling approaches and abandoned-cart measures can be used responsibly to support customer choice – what consolidation among European comparison portals means for competition and market entry – why trust, personalisation and long-term customer relationships would sit at the heart of a “reinvented” aggregator model A deep dive into digital distribution, ecosystem strategy and the evolving future of online insurance comparison.

    1h 10m
  6. Active Cyber Insurance & Systemic Risk - Kyle Bryant, Head of International Coalition | Eps.64 - The Reinventing Finance Podcast

    11/28/2025

    Active Cyber Insurance & Systemic Risk - Kyle Bryant, Head of International Coalition | Eps.64 - The Reinventing Finance Podcast

    In this episode of the Reinventing Finance Podcast, KASKO CEO & Co-Founder Nikolaus Sühr and VIG Platform Partners CEO Dr. Ronald Engel speak with Kyle Bryant, Head of International at Coalition. Here are some of the key topics discussed in the episode: – how “active insurance” combines live internet scanning with underwriting to prevent claims, not just pay them – what signals actually predict loss (e.g., exposed VPNs, vulnerable perimeter devices, risky software) – why static questionnaires and industry/revenue rating miss real cyber exposure – how portfolio-level telemetry and honeypots cut noise and surface actionable alerts – why AI hasn’t yet spiked claims and what’s really driving frequency (BEC and funds transfer fraud) – how to think about systemic risk in the cloud and why some models overstate aggregation – what an intermediated-only go-to-market means for brokers and SME penetration – how Coalition Re/Helios gives reinsurers a bottoms-up technical view to attract smarter capacity – what to ask before buying cyber: exposure, risk appetite, and who you call on a bad day – how embedded services during the policy period reduce frequency without creating alert fatigue – why talent (not regulation) is the hardest part of international expansion and market entry A practical, no-hype conversation for insurers, MGAs and brokers on pricing, prevention and capacity in cyber. Listen in to find out more.

    1h 12m
  7. How Warranty & Indemnity Insurance Is Transforming M&A - Jefferey Doran CEO Talos | Eps.63 - The Reinventing Finance Podcast

    10/10/2025

    How Warranty & Indemnity Insurance Is Transforming M&A - Jefferey Doran CEO Talos | Eps.63 - The Reinventing Finance Podcast

    In this episode of the Reinventing Finance Podcast, ⁠KASKO⁠ CEO & Co-Founder Nikolaus Sühr and VIG Platform Partners CEO Dr Ronald Engel speak with Jeff Doran, Co-Founder of Talos, an MGA specialising in transactional risk insurance. Doran discusses the evolution of the warranty and indemnity (W&I) insurance market and how technology is shaping its next phase.Key topics discussed include: ➡️Origins of Talos: Founding story, mission, and growth as a tech-enabled multiline MGA. ➡️Role of W&I Insurance: Supporting clean exits in M&A by reducing friction between buyers and sellers. ➡️Market Awareness: Limited understanding remains a barrier; brokers play a role in expanding reach. ➡️Buyer vs Seller Policies: Most W&I placements occur on the buy side to cover unknown risks. ➡️Regional Comparison: Europe shows ~15% market penetration, with scope to expand into smaller M&A deals. ➡️Claims Insights: High-severity claims linked to revenue and contract breaches; frequency varies by sector. ➡️Underwriting Dynamics: W&I affects negotiation behaviour and the disclosure process in transactions. ➡️Broker Collaboration: Brokers remain central to structuring policies and scaling distribution efficiently. ➡️Technology in Underwriting: AI and data-driven platforms enhance speed, consistency, and scalability. ➡️Private Equity Strategies: W&I supports buy-and-build models and streamlined due diligence processes. ➡️Future Outlook: Continued digitisation, faster policy cycles, and focus on sustainable pricing across markets. The discussion highlights how W&I insurance continues to evolve, blending underwriting expertise with technology, broker partnerships, and data-driven efficiency to support a more agile M&A ecosystem. #Reinventingfinancepodcast #InsurTech #MGA #insurance #insuranceindustry #privateequity #PE #mergersandacquisitions #M&A #underwriting

    1 hr
  8. The Reinventing Finance Podcast - Episode 62 Alexander Heß Managing Director / Country Manager Assurant Germany

    05/15/2025

    The Reinventing Finance Podcast - Episode 62 Alexander Heß Managing Director / Country Manager Assurant Germany

    In this episode of the Reinventing Finance Podcast, ⁠KASKO⁠ CEO & Co-Founder Nikolaus Sühr and VIG Platform Partners CEO Dr. Ronald Engel speak with Alexander Heß, Managing Director & Country Manager of Assurant Germany. Here are some of the key topics discussed in the episode: 📍Assurant’s re-entry into Germany driven by a major telco win and European growth strategy. 📍Overview of Assurant’s three verticals: housing, automotive (EV-focused), and connected living. 📍Distinction between embedded vs integrated insurance and their operational implications. 📍Use of circular economy in device protection through trade-in, repair, and refurbishment models. 📍Introduction of forward trade-in and upgrade programmes to increase customer retention. 📍Local supply chain investment to meet partner expectations and ensure service quality. 📍Flexibility to act as insurer, reinsurer, or administrator depending on partner needs. 📍Challenges in smart home insurance due to fragmented device ecosystems. 📍Sustainability positioned as a business enabler, not just a compliance function. 📍Telco case study demonstrating end-to-end integration of insurance and service offerings. 📍Decline of outbound sales in Germany; focus on inbound and digital upsell opportunities. 📍Potential in banking-telco-insurance convergence for embedded propositions. 📍Concern that economic pressure may delay required investment in embedded infrastructure. This episode provides strategic and operational insight into how global players like Assurant localise #embeddedinsurance models, integrate circular economy thinking, and navigate complex #b2b2c #partnerships, relevant for executives shaping product, distribution, or transformation strategies across #insurance #ecosystems.

    56 min
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About

Reinventing Finance is a Podcast hosted by Nikolaus Sühr, CEO and Co-Founder of KASKO and Ronald Engel, CEO of VIG Platform Partners. This Podcast is for anyone who is interested in the current developments of the Insurtech, Insurance, Fintech and Finance market. Thought-provoking, entertaining and critical. Join us as we discover what some of the current industry leaders and decision makers are doing, the lessons they have learned, the main challenges and opportunities they identify, and how they see the current status of the Insurance and Finance industry.

Information

  • Creator
    Nikolaus Sühr and Ronald Engel
  • Years Active
    2021 - 2026
  • Episodes
    68
  • Rating
    Clean
  • Copyright
    © Nikolaus Sühr and Ronald Engel
  • Show Website
    Reinventing Finance