EP 57 – Natalia Kozyura – Head of Innovation Center, FWD Insurance – Innovation Needs to Be Decentralized


Michael has previously worked for major international organisations including Morgan Stanley, Goldman Sachs, UBS and CitiGroup as well as supported and advised local tech giants like aCommerce and investors like Ardent Capital in Thailand. Since 2016, Michael has been running his media business hosting several tech podcasts in Asia.

Leading FWD's regional Innovation Center to develop new products and features powered by emerging advances in tech such as AI, Blockchain, and IoT. Product Management and Innovation Leader with 15 years of experience in driving product development and strategic partnerships across US, Asia, and Europe at large tech firms and startups. Passionate about enhancing customers lives by defining product strategy, leading cross-functional teams, and building innovative products.

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In this episode, Michael Waitze talks to Natalia Kozyura, the Head of Innovation Centre at FWD. Natalia comes from a tech background. Before joining FWD Natalia has worked for Tech giants Microsoft and Amazon as well as tech startups in Southeast Asia. At FWD she now oversees a tech team prototyping and building tech solutions for FWD. 

Natalia explains that FWD is looking into tech in order to shape how customers are perceiving insurers and change the way people think about insurance. She gives insight on how big data and AI is streamlining insurance operations and how tech enables better customer service by, for example, implementing predictive analytics powered by IoT data or by using chatbots and messenger apps to file insurance claims fast and simple. 

Natalia also explains how technologies Blockchain technology is relevant to insurers. With FWD she and her team have built blockchain prototypes on Waves and Ethereum with the aim to protect customer data. Furthermore, they are looking into ways to streamline the buying as well as the claims management process by putting them on a blockchain ledger. However, at this point, the team does not see a use case to implement the tech into the current operation. One reason being is the costs of running a Blockchain platform.

Other companies mentioned in this episode:

PolicyPal, Facebook Libra, LINE, Whatsapp, Raspberry Pi,

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