Radar Digital Mutualidad, the digital research center for the Mutualidad insurance sector, has presented its report “2027 Trends in the insurance sector”, offering an exhaustive analysis of the technological evolution that is reconfiguring the insurance industry for next year.
The sector is moving from experimentation towards a broader integration of technology in its activity. 80% of Spanish insurers have implemented artificial intelligence projects, a figure that reaches 90% when including initiatives under development. In this context, the challenge focuses on converting pilot projects into applications that can be extended to the organization and generate measurable results, with human supervision and control mechanisms.
Integrate innovation with existing systems
The report identifies supervised agentic AI, financial management of technology (FinOps), hybrid infrastructure, scaling AI with governance and the growth of digital ecosystems as the five trends that will mark this evolution. Its development requires integrating innovation with existing systems, reinforcing data governance and defining the responsibilities of those involved in the processes.
The study has been presented at the third edition of Radar Digital Mutualidad, a meeting that is consolidating itself as one of the main spaces for reflection on the future of technology, innovation and digital transformation in the insurance sector. The conference brought together managers, technology experts, representatives of the insurance sector and leading companies in innovation to analyze the trends that will mark the evolution of insurance in the coming years.
The day was directed by María Galván Lamet, deputy general director of Technology, Data and Operations of Mutualidad. It included a keynote by Silvia Hernández, director of Strategic and Global Clients at Microsoft Spain, and the panel of experts on “The keys to the Insurance that is coming: Transformation, AI and Emerging Technologies”, moderated by Pablo López-Aranguren, head of Digital Innovation at Mutualidad, in which Judith Gil, director of Digital Transformation and Projects at Mutua Madrileña, participated; Víctor Pizarro, partner responsible for Insurance Transformation at EY Spain; Pedro Díaz, general director of Savia (MAPFRE).
María Galván, deputy general director of Technology, Data and Operations of Mutualidad, has pointed out: “The technological transformation of the sector no longer consists only of incorporating new technologies, but of generating value for the business and people. Artificial intelligence, data and automation are redefining the insurance sector, but the real challenge is its governance and control. We need a governed AI to generate value with confidence. With Radar Digital we want to contribute to anticipating trends; it is a forum in which we share knowledge and promote debate that helps the sector to prepare for the future through responsible innovation. With these initiatives we make our purpose a reality.”
With initiatives like this, Mutualidad reaffirms its commitment to innovation and digital transformation as key levers to continue generating value for its mutual members and contribute to the development of a more modern, efficient and future-ready insurance sector.
Towards integrated innovation
The report specifies this evolution into five key trends:
1. Supervised agentic AI. Artificial intelligence agents go from assisting in specific tasks to executing complete processes in areas such as claims, underwriting, mediation or renewals, in a market that will grow 44% annually until 2032. Their autonomy remains limited (in Europe, only 9% of reported cases correspond to agentic AI) and human control remains predominant. Its expansion requires traceability and human supervision, with a clear definition of who validates, approves and is responsible for decisions. One of its main barriers is integration with Core Legacy systems and cost control.
2. Financial management of technology through FinOps. Controlling spending on the cloud and artificial intelligence becomes a strategic priority. FinOps is no longer limited to the cloud; spans AI, SaaS, licensing and data centers. 98% of FinOps professionals surveyed already manage AI spending, up from 63% in 2025 and 31% in 2024. FinOps makes it possible to link each technology spend to business results and optimize decisions about infrastructure, suppliers and consumption models. The variability of AI costs and the dispersion of data make it difficult to forecast spending and verify the profitability of each application.
3. Hybrid infrastructure and data governance. Hybrid infrastructure becomes a regulatory standard and forces the insurer to control where it processes each data. Currently, 80% of insurers in Europe outsource cloud storage to large providers. Furthermore, with the new CADA (Cloud and AI Development Act) regulation, still in process, the cloud system will reinforce European technological sovereignty and dependence on critical non-EU suppliers. CADA is expected to complement the AI Act, DORA, NIS2, GDPR and EIOPA outsourcing requirements, especially on cloud sovereignty and the use of AI infrastructures. This will lead to multiplying the capacity of European data centers by three and incorporating controls from design to infrastructure.
4. AI adoption with governance and controlled pilots. In Europe, AI is widely adopted in the insurance sector, but its scaling remains limited. 65% of insurers already use generative AI, but only 32% of use cases have reached production. The challenge is to convert the pilots into repeatable, auditable applications connected to results. Today only 8% of cases are end-to-end solutions that generate value and 49% of cases are specific productivity solutions. To achieve this, the report points to structured implementation plans and tests aimed at solving specific problems under common governance.
5. Growth of digital ecosystems. 63% of insurers see ecosystems as a key driver of growth and 73% of customers expect seamless digital experiences in every interaction with their insurer. For this reason, 80% of Spanish insurers have a complete API infrastructure, but only 32% have turned it into a business driver. Alliances allow access to new channels and capabilities, but require specifying the role of each participant, technological integration and the distribution of responsibilities, costs and risks.
The report concludes that competitive advantage will depend on the ability of entities to expand the use of technology with control, efficiency and integration
The report concludes that competitive advantage will depend on the ability of entities to expand the use of technology with control, efficiency and integration, reinforcing operational resilience and trust.
With this analysis, Radar Digital Mutualidad collects the opportunities and barriers that will condition the technological transformation of insurance in 2027, focusing on the ability of entities to transfer innovation to their operations and reinforce trust.
