Scouting for Growth

Trust Is the Operating System of the Agentic Enterprise In this episode, Sabine VanderLinden is joined by Franklin Manchester, Global Insurance Strategic Advisor at SAS, and Steven Abel, Global Technology Partner and Deputy Global Head of AI & Transformation at Oliver Wyman. Together, they unpack the concept of "trust by design" in the context of agentic enterprises and AI adoption. The conversation pivots from traditional risk frameworks and compliance-based approaches to trust, to the urgent need for architectural and cultural transformations in which trust is embedded in every system and decision. They explore why organisations often confuse expanding AI tools with genuine readiness for autonomy, discuss why "human in the loop" is no longer sufficient, and offer perspectives on scaling trust, managing risk, and redefining organisational roles. The trio debates actionable leadership moves for CEOs and boards, the evolving skills for insurance professionals, and how the frontier firm of the future will distinguish itself through intentional trust-building—not just AI deployment. KEY TAKEAWAYS Many organisations treat AI trust as a compliance issue, which hinders safe scaling. The fundamental shift involves deploying autonomous decision-makers, making trust by design an architectural and leadership mandate. We, as an industry, over-invest in AI models and technology while under-investing in people and trust. Simply using more models or data doesn't guarantee higher trust, especially without architectures built for transparency and governance. Franklin noted a disconnect where insurers use AI but lack trustworthy systems, surprisingly favouring newer generative AI over established machine learning. I question the efficacy of "human in the loop" controls in high-stakes industries, while Steven advocates embedded, infrastructure-level trust solutions. Franklin identified processes as primary failure points, particularly when tacit knowledge is overlooked (citing Cigna's mass claim denials). The discussion explores the need for new AI risk and governance roles, akin to past actuarial practices. While human-centricity should drive design, scalability is challenging as organisations move toward agentic systems in which humans supervise, rather than directly control, risking brand integrity if governance fails. For leaders, I urge you to shift focus from technology hype to foundational trust. Steven prioritises "under the water" capabilities, such as risk and regulatory expertise. Franklin recommends three people-centric actions: embracing new skills, breaking data silos, and protecting the brand. The truly future-ready firm embeds trust into every decision system—a practice rooted in culture, governance, and leadership, not just technology. Scaling AI without trust is merely scaling risk; organisations must engineer trust as a core operating principle. BEST MOMENTS "Trust isn't what you say, it is what your system does." — Sabine VanderLinden "The architecture of these models themselves don’t lend themselves to a high trust environment." — Steven Abel "We trust generative AI 200% more than machine learning. Which is bonkers to me because machine learning has been around for like 30 years." — Franklin Manchester “There’s still no more sophisticated sensor than a human being and a more powerful computer than the human brain.” — Franklin Manchester “Auditability, transparency, and a connection with the human ecosystem and judgment—these things are non-negotiable.” — Steven Abel "It is clear that the adoption is moving fast, and we need to make sure within regulated industry that we apply trust in everything we do. Otherwise, we are going to shun both customers." — Sabine VanderLinden ABOUT THE GUEST Franklin Manchester Prior to joining SAS, Franklin served as a Global Insurance Strategic Advisor at SAS Institute, bringing over 20 years of experience in insurance underwriting and analytics. Known for his deep industry insight and passionate advocacy for trustworthy AI, Franklin is currently focused on linking insurance expertise with AI-driven transformation, highlighting the importance of governance, ethical frameworks, and human-centricity in future-ready companies. Steven Abel Global Technology Partner at Oliver Wyman and Deputy Global Head of AI and Transformation, Steven leverages his extensive background in tech innovation and large-scale enterprise change. As a self-proclaimed technology enthusiast, he offers critical perspectives on the infrastructural and professional challenges organisations face in scaling agentic AI responsibly and with embedded trust, urging leaders to rethink assumptions and prioritise under-the-surface architectural investments. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A build

In this riveting solo episode, Sabine VanderLinden confronts what she calls "the capacity gap"—a silent barrier that undermines organizational success in today's complex business landscape. Rather than blaming common culprits like strategy, leadership, or talent, she reframes the issue as a structural mismatch between ambitious goals and the finite resources available to deliver on them. Drawing from her extensive experience in the insurance sector and referencing compelling case studies from companies like Ping An and Nestlé, Sabine VanderLinden unpacks the math behind the capacity gap and lays out a practical five-step playbook to help leaders bridge it and thrive in the era of AI-driven transformation. Key Takeaways Reflecting on the capacity gap, it becomes clear to me that most organizations are not failing due to weak ideas or a lack of vision, but because they are unable to match their strategic ambitions to their actual capacity to implement them. The sheer pace of technological change, combined with heightened expectations around innovation, puts immense pressure on existing operating models, especially in sectors like insurance. The essential insight I share is that companies will win not by having the grandest vision, but by developing the operational elasticity to close the capacity gap faster than competitors. This requires a rigorous assessment of current delivery abilities, a relentless focus on throughput, leveraging external partners as capacity multipliers, and embedding elasticity into both technology and workforce design. Most crucially, making capacity a leadership and board-level metric shifts the organization from admiring problems to solving them. As I explore in the episode, frontier firms show us what’s possible when capacity is managed as a dynamic asset rather than a limiting factor. The future belongs to those who can execute, not just strategize. Best Moments "What if the single greatest obstacle to your company's future success isn't the competition, a lack of budget, or even the speed of technological change—but a silent thief of momentum that lives in the space between your boardroom's bold vision and your team's daily reality?" "It is not a people problem. It is a math problem, a fundamental mismatch between the infinite demands of strategic ambition and the finite capacity of your organization to execute." "The winners will not be the companies with the most visionary strategies. They will be the companies with the smallest capacity gap." "Frontier firms are not just managing capacity; they are weaponizing it." "Closing the capacity gap is not about asking your teams to work harder. It is about redesigning the work itself." ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

In this episode of "Scouting for Growth," Sabine VanderLinden welcomes Florian Graillot, founding partner at Astorya VC, for an in-depth conversation about the evolving landscape of risk management and insurance innovation. The discussion explores how risk management is shifting from static predictions to adaptive strategies designed for tomorrow's uncertainties, emphasizing the rise of the “frontier firm”—organizations that continuously learn, adapt, and act in real time. Florian Graillot shares insights from his experience investing across insurtech, cyber, climate risk, and financial fraud, highlighting the increasing importance of technology, data, and AI. Together, Sabine VanderLinden and Florian Graillot discuss the structural advantages Europe may hold in building AI-native, trust-driven business models and the critical role of agent-human collaboration in future risk management. They address the challenges faced by incumbents—including talent acquisition, cost efficiency, and profitable growth—and consider what distinguishes great founders in the frontier firm era. KEY TAKEAWAYS This episode underlines that risk management is no longer about controlling yesterday’s uncertainties but engineering resilience for tomorrow. I was struck by Florian Graillot's argument that insurance leaders must rethink the entire risk value chain—not just the insurance segment—but encompassing prevention, risk assessment, capital efficiency, and claims. Simply layering AI onto legacy workflows isn’t enough; true transformation requires intention, an openness to external partnerships, and a clear ROI focus. It’s clear to me that embracing AI isn’t “optional practice"—it’s existential. Organizations that experiment vigorously and collaborate with tech-first ventures gain a competitive edge, especially as emerging risks outpace traditional data models. Europe’s more measured regulatory approach, sometimes critiqued as cautious, actually presents an opportunity to build trust-by-design, ensuring AI is explainable and aligned with both ethics and end-customer value. Ultimately, the essence of any successful frontier firm lies in clarity of vision, a readiness for real change, and a focus on trust between leaders, employees, and customers. As the industry shifts, those who can articulate and measure technology’s value, while empowering agent-human teams, will undoubtedly shape the risk landscape of the future. BEST MOMENTS "Risk management is no longer about predicting yesterday's risk. It is about designing for tomorrow's uncertainty." "Either you consider emerging risks as a threat and retreat from the market, or you leverage technology to build resilience. That resilience is the optimistic side of the challenge." "The perfect founding team is a blend of technology expertise and deep industry knowledge—you need both to create real value in insurance." "If you expect big figures tomorrow morning, it will not work... But if you are ready to take more time and invest accordingly, innovation can deliver real and very nice results." "In the end, technology doesn’t remove risk. It actually reveals our choices." ABOUT THE GUEST Florian Graillot is the co-founder and founding partner at Astorya VC, one of Europe’s most influential venture capital firms focused on early-stage insurtech, risk, and regulatory technology. With 15 years of tech investing experience—ten of them specializing in insurtech—Florian Graillot has an unparalleled vantage point on the evolution of the insurance and risk landscape. He is passionate about backing founders who are redefining resilience, tackling climate, cyber, and financial fraud with cutting-edge data and algorithms, and reshaping how risk is owned and governed across enterprises. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

In this episode of Scouting for Growth, Sabine VanderLinden welcomes industry veteran Karl Grandl, now of Miss Moneypenny Technologies, for a wide-ranging conversation on the real transformation underway in financial services and insurance. Sabine VanderLinden sets the stage by emphasizing that digitization is no longer enough—true change means re-architecting operating models for velocity, intelligence, and trust at scale. Together, they explore the pitfalls of strategic complacency, the opportunities provided by European regulation, and the immense potential of intelligence layers and wallet technology to redefine how institutions interact with customers. The discussion moves from strategic leadership to practical use cases—from frictionless onboarding and claims to agentic customer experiences—offering a roadmap for both incumbents and challenger firms looking to thrive in the era of real-time risk and embedded governance. KEY TAKEAWAYS Reflecting on my conversation with Karl Grandl, what became clear is that transformation in financial services isn’t just about digitizing legacy systems—it’s about fundamentally re-architecting the industry. For decades, institutions like banks and insurers were built for stability, but the pace of change and customer expectation today demands real-time, intelligent, and seamless experiences. Simply layering new digital tools over old processes leads to fragmentation, not progress. We’re stepping into the era of frontier firms: organizations powered by intelligence, human-agent collaboration, and embedded governance. As Karl emphasized, automation by itself doesn’t mean autonomy or intelligence. Instead, success hinges on evolving operating models and creating trust at scale. Regulatory changes, particularly in Europe—such as the EU AI Act and the introduction of digital identity wallets—are not burdens, but strategic advantages. They force discipline, drive infrastructure modernization, and create opportunities to offer frictionless experiences for 450 million citizens. Karl’s insight into customer experience “activation layers” resonated deeply. True transformation is about orchestrating intelligent touchpoints so insurance feels invisible and effortless, yet highly trustworthy, especially at moments of service or claim. This approach preserves the value of brokers and advisors, enhancing their roles as strategic risk partners instead of replacing them. Finally, leadership, not technology, is at the heart of transformation. The ability to articulate a clear vision and quickly demonstrate value is what distinguishes the winners. Real-time governance, compliance by design, and empathetic human engagement are becoming essential to build—and keep—customer trust. The challenge for every executive now is not just to optimize yesterday’s operations but to actively build tomorrow’s intelligence layer. The frontier is being defined now, and it begins with a leadership mindset ready for structural redesign and velocity. BEST MOMENTS "Automation is not autonomy, efficiency is not intelligence, and digital channels without orchestration create digital fragmentation." "European regulation is our unfair advantage. It’s not just about discipline, it’s about infrastructure." "You have to evolve—from transaction intermediary into a strategic risk advisor, augmented by intelligence that handles routine so you can focus on relationships, empathy, and judgment." "Governance is about to become the most strategic capability. When compliance agents and financial AI are embedded in every workflow, governance shifts from retrospective reporting to real-time intervention." "The frontier firm is not defined by how much AI it deploys; it is defined by how intelligently it integrates risk, compliance, capital, and customer experience." ABOUT THE GUEST Karl Grandl is often dubbed an “insurance dinosaur,” with over 30 years in the industry spanning Swiss Life, GetSafe, WeFox, and now Miss Moneypenny Technologies. His experience spans product development, distribution, and embedded insurance, as well as scaling tech-driven aggregators across markets. At Miss Moneypenny, Karl is spearheading the integration of wallet technology and intelligence layers, focusing on frictionless customer interaction and embedding trust and compliance by design. An advocate for regulation as a strategic advantage and transformation as a leadership imperative, Karl is a sought-after voice for both legacy insurers and challenger MGAs looking to build tomorrow’s intelligence-driven operating models. Connect with him via LinkedIn or at upcoming events such as InsurTech Week and InsurTech Insights in London. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The

In this episode of Scouting for Growth, Sabine VanderLinden sits down with Manish Shah, President and Chief Product Officer at Majesco, to explore the rapidly changing landscape of insurance core systems. Together, they examine how AI is shifting the industry from being purely a protector to one that also focuses on prevention and dynamic participation. The conversation covers everything from the persistent protection gap and the urgent need for behavioral—not just technological—transformation in insurance to the practical realities and fears surrounding the implementation of agentic AI systems. Manish Shah shares actionable insights on overcoming internal resistance, building trust with customers, and the importance of leadership courage. Throughout, listeners will gain an insider’s view on how insurance models are transforming and what sets bold, future-ready leaders apart. KEY TAKEAWAYS I was delighted to welcome Manish Shah to explore how the insurance industry is being transformed at its core. Our discussion began with the fundamental premise that insurance is built on trust and a promise of protection—yet today, both are being challenged by shifting customer expectations, legacy systems, and the rapid evolution of AI technologies. Manish emphasized that closing the protection gap is not merely an issue of customer education but primarily a challenge of product and experience design. If customers do not understand or value our offerings, it's a failure of design, not comprehension. We agreed that the path to genuine transformation must be grounded in a behavioral shift—beyond technology upgrades or business process reengineering. Transformation executives must start by listening deeply to customers, adapting to their evolving needs, and fostering a culture that is not afraid to take bold risks rather than settle for incremental change. The conversation also delved into how AI, when embedded into the core—not bolted on as an afterthought—can help insurers move from process-led to truly human-centered operations. This enables better capacity, more personalized experiences, and the ability to anticipate rather than react to customers’ needs. Crucially, Manish Shah articulated the importance of trust, transparency, and auditability in the AI era: true trust is built through consistent, clear, empathetic engagement, supported by AI that augments—not replaces—human judgment. The insurers that will thrive in the next 3-5 years are those who are brave enough to rethink their business models, leverage intelligent, agentic cores, and prioritize behavioral change. The future belongs to those willing to become active partners in their customers' lives, focused on prevention, participation, and peace of mind. BEST MOMENTS “If our customers don’t understand or see the value in the product, then it is a design problem. It’s not really a customer problem or an education problem. “Trust is built in small moments, not in any marketing material or strategic deck.” “If we can actually execute well as an industry, insurance should feel more like a proactive safety net than a just reactive payment mechanism.” “The brave ones… are those who are willing to rethink their business model and not just the tech stack.” ABOUT THE GUEST Manish Shah is the President and Chief Product Officer at Majesco, a leader at the intersection of technology, product strategy, and insurance industry expertise. With over 30 years in the insurance sector, Manish Shah has been both a witness and a driver of major transformation, from the analog days of the industry to today’s AI-driven innovation. He is particularly passionate about embedding intelligence into the foundation of insurance operations—not just talking about AI, but delivering it as an engine of change. At Majesco, Manish Shah oversees strategy for their cloud-native, intelligent core platform, with a special focus on agentic workflows, operational effectiveness, and preparing insurers for future challenges and opportunities in P&C, Life, Health, and Benefits. If you want to connect with Manish Shah, he encourages open dialogue and learning across the industry. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

In this episode of Scouting for Growth, Sabine VanderLinden welcomes Gil Arazi—a serial entrepreneur, executive, and leading insurtech investor—to explore the urgent transformation taking place in insurance. Gil Arazi argues that the industry’s traditional role of simply paying claims post-loss is outdated and that prevention is the new north star for sustainable growth. Their conversation dives into why insurance must shift from risk transfer to risk mitigation, what the future holds as data, AI, and even quantum computing disrupt business models, and how prevention can actually drive profit—not just avoid cost. Gil Arazi introduces The Spark, a not-for-profit initiative designed to help insurers decrease systemic risk and increase societal resilience through practical collaboration, not empty innovation theater. KEY TAKEAWAYS Reflecting on my conversation with Gil Arazi, several themes truly stood out, affirming both the urgency and opportunity for true transformation across insurance. First, it’s clear that insurance cannot remain content with its legacy of paying claims post-loss. We are entering an era where prevention, not just remediation, is imperative—technological advancements, from AI to quantum computing, now offer insurers the tools to anticipate and prevent systemic risks, fundamentally altering their value to customers and society. The model must evolve from chasing losses to proactively reducing risk, and this shift is not just about cost efficiency, but empowering profitable growth through enhanced customer retention and relevance. In building The Spark as a nonprofit prevention lab, Gil Arazi emphasized a collective responsibility: by leveraging data, domain expertise, and increasingly mature technology, we—insurers, partners, and innovators—can bridge the protection gap and act as genuine “protection architects.” This vision requires us to move beyond innovation theater and toward real operational enablement, where execution trumps experimentation. The challenge, however, is not just technological—it is cultural and emotional. Building trust across competitors demands we fall in love with solving the problem, not just owning the solution. Clear boundaries and shared vulnerabilities create the foundation for meaningful collaboration on the risks no single entity can control alone. BEST MOMENTS “The insurance industry needs to move from reacting to the claim ... to proactive prevention of this damage or systemic risk.” “The only way insurance can be actually successful and sustainably profitable is by being biased.” “Technology will predict risk, but humans will decide what to do with it. Algorithms are very good at probability, but they're terrible at responsibility.” “Do something good for humanity and for yourself. If you can't measure your impact by the loss that never happened, you're just optimizing the decline.” “The real revolution isn’t technological anymore. It is emotional, it is behavioral, and it is strategic.” ABOUT THE GUEST Gil Arazi is recognized as an insurance industry disruptor and visionary. He’s the founder and managing partner of Fintlv Venture Capital—a top insurtech VC fund with close to $1 billion invested globally—and the founder of The Spark, a purpose-driven, not-for-profit global prevention lab. With a career spanning nearly 30 years, including executive leadership, board roles, and serial entrepreneurship in insurance, Gil Arazi has first-hand insight into the industry’s pain points and future opportunities. His work focuses on shifting insurance from loss-payout to loss-prevention, leveraging technology and collaboration to build resilience and drive growth. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

In this forward-thinking episode, Sabine VanderLinden returns to kick off the year with a transformative discussion on “frontier firms” and the rise of agentic enterprises. As digital transformation accelerates, leaders face challenges like increasing climate risks, cyber threats, and widening protection gaps—pushing businesses (especially in regulated industries like insurance) to rethink strategies. Sabine explores how trailblazing organizations are leveraging AI not just as an assistant, but as an autonomous driver of capacity and productivity. Through practical frameworks and real-world case studies, this episode lays out the playbook for riding the next wave of innovation, resilience, and growth. KEY TAKEAWAYS This year on Scouting for Growth, I wanted to regroup and make sure my podcast continues to deliver what matters most to you in the fast-paced transformation market. After a brief pause and reflection, and evaluating the insights from the World Economic Forum, with a clear sense that the world feels increasingly uninsurable—climate risk, cyber threats, and protection gaps are all expanding. But I believe that this narrative of uninsurability is simply a choice, not a certainty. I see a new class of leaders emerging, those who aren’t just trying to manage risk but who are fundamentally changing how we approach it. Transformation isn’t just happening in isolated labs; it's exploding at the convergence of capital, technology, and strategy—the true frontier of business. This is where agentic enterprises are emerging, blending human leadership with AI agents, forming digital workforces where competitive advantage depends on our agility with data, not just data ownership. Examples abound: Telstra is scaling AI across thousands of employees, UBS has put AI at the heart of its business via a Chief AI Officer, Mercedes-Benz uses digital twins and multiple agent systems to optimize production, and at Nestlé, AI is transforming everything from farm to fork. These companies aren’t dabbling—they’re fundamentally rethinking their models and leadership. My message is simple: the agentic frontier is not some distant theory—it’s here and now. The uninsurable world is a choice, and you can choose to lead in this new paradigm. The tools and models exist, and the only question left is who has the courage to execute. As you listen and engage this year, I’ll keep guiding you through these themes—helping you build, not just watch, the future unfold. BEST MOMENTS "The uninsurable world is a choice, not a certainty. While some twist their hands over these challenges, a new class of leaders is rewriting the rules of the game." "A frontier firm in the simplest terms is an organization that is human led but agent operated. This means your people set the vision and define success, while AI agents handle a significant share of the execution, working autonomously with oversight across processes." "Mastering [these levers] is the difference between watching the future happen and actively building it." "The market is sending an unequivocal message: the future of financial institutions including insurance, all regulated industry belongs to the agentic enterprise. This is not a distant vision; it is happening right now." ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Sangha Penesetti, founder and CEO of goZeal, who didn’t just break the glass ceiling—she installed a flexible skylight. Today we’ll dive into the economics of equity, why flexible work is not a perk but a performance driver, and how insurers can win by rethinking who gets a seat at the table—and how that table is set. KEY TAKEAWAYS In my early career, every client meeting I walked into was a room full of men. I was the only woman of colour. When I became a mother in 2010 I felt first-hang how unforgiving the industry was, there was no real flexibility, no empathy around new mums (though that may have just been the company I worked for then), and certainly no system that was designed for working mums. During Covid I found my own community: Brilliant, highly educated women, especially Indian and Asian mums, step out of the workforce to raise kids and never return. Not because they lacked ambition, but because the system simply wasn’t build for them. That’s the moment I realised it wasn’t an individual struggle but a systemic design flaw, that’s when goZeal was born. We talk about empowerment a lot, but what is empowerment? It‘s the financial empowerment, the capacity for women to have the money to spend on whatever they want be that a Gucci bag or feeding their kids. The data is clear: When women (and especially women of colour) advance, companies become more innovative and perform better financially. BEST MOMENTS ‘My experience taught me that being included isn’t the same as being empowered.’ ‘Radical inclusion flips the dynamic. It’s not about representation, it’s about access to meaningful work decision-making authority and economic mobility.’ ‘Remote work is not “flexibility.” Flexibility means flexibility of time. I wanted to hire women directly to give them the autonomy of time. Direct impact comes when you are the employer.’ ‘True flexibility allows for peak productivity not proximity. When people work at their best insurers benefit from higher quality work, lower burnout, less attrition, stronger retention, all of that good stuff.’ ABOUT THE GUEST Sangha Penesetti is the powerhouse founder and CEO of goZeal, a company rewriting the rules of work by directly hiring skilled women, especially women of colour, for high-impact, flexible roles in insurance and tech. With 18 years of experience in finance and insurance, she’s lived the challenges of being the only woman at the table—and decided to build her own. Under her leadership, goZeal is more than a talent platform—it’s a movement. One that’s tackling systemic inequity, modernizing legacy operations, and showing insurers that flexible work is not a perk but a strategic edge. She’s here to talk about the real economics of inclusion, why hybrid isn’t enough, and how insurers can close talent gaps while building a future-ready workforce. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Marinela Profi, Global Market Strategy Lead for AI, GenAI and Agentic AI at SAS, about the rise of agentic AI and how we will move from hype to real, reliable AI. In today’s episode, we’ll discuss: Why LLMs alone don’t solve business problems – and what does, how governance is becoming the new frontier of AI trust, and what leaders should expect by 2026, as enterprises shift from experiments to autonomous, explainable intelligence. KEY TAKEAWAYS A generative AI chatbot is really good and answering questions, generating text, or summarising content. But, it typically stops when it comes to conversation. On the other hand, an AI agent goes beyond that, it can take action, it has goals, memory, reasoning capabilities and can orchestrate multi-set workflows using a combination of not just large-language models but also rules, data and analytics. Generative AI talks, and agentic AI does. The 5-step lifecycle of an agent is a framework I put together to help me and my customers understand what an agent actually does step-by-step in practice. 1. Perception 2. Cognition 3. Decisioning 4. Action, and 5. Learning. Governance boards in 2026 will act more like digital oversight committees, they will ensure that agents aren’t just smart, but they are safe, explainable and accountable. BEST MOMENTS ‘Post action the agent learns from feedback from a human operative. It’s important to monitor the learning loops, you cannot allow the agent to “self-update” in ways that are uncontrolled.’ ‘How autonomous should an agent be? 90% of the time it depends on the risk and impact of the task.’ ‘Autonomy without accountability is a risk multiplier.’ ‘Governance doesn’t stop at deployment, performance must be continuously monitored.’ ABOUT THE GUEST Marinela Profi helps organizations move from AI hype to trusted impact. As Global Market Strategy Lead for AI, GenAI, and Agentic AI at SAS, she works with enterprises in financial services, healthcare, and government to build AI systems that don’t just act fast—but act responsibly. With an MBA and a Master’s in Statistics and AI, Marinela bridges two worlds: translating complex data science into clear business strategy. Her work focuses on how agentic AI—intelligent systems that perceive, reason, and act autonomously—can deliver governed, explainable decisions instead of black-box predictions. A frequent keynote speaker at international AI and analytics events, she shares insights on the evolution from generative to agentic AI and the new frontier of AI governance, trust, and human-AI collaboration. Marinela is also an Advisory Board Member for Wake Technical Community College’s Data Science Program, helping shape future-ready curricula that connect classroom learning with real-world AI innovation. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Andrei Craciunescu, founder and CEO of RiskCube, about why the next generation of insurance will be built like software: adaptive, transparent, and embedded into every business platform. They also discuss how AI and data are transforming the broker's role from middleman to intelligent orchestrator, and what the insurance experience of 2030 could look like when protection becomes invisible and trust becomes the new currency. KEY TAKEAWAYS What companies want from the insurance market is fast underwriting, not to talk with humans so much anymore, especially startups; they want a quote in minutes, not months. This is how we got into the segment where we offer business insurance for startups – mainly venture-backed startups. Some providers already offer what we are doing, but there is no comparison. Every founder needs to go to each insurance company separately and ask for a quote, which often varies a lot – sometimes by 40%. They spend a lot of time investigating these quotes, which is expensive and hard to understand. RiskCube is an AI insurance agency for startups where founders can buy and manage insurance online. We looked at what an agency traditionally does: it has different processes in place, such as insurance applications, renewals, cancellations, and claims. We tried to map out all these processes to see which can be done by AI agents. AI cannot solve the whole insurance value chain, but we see a huge adoption in the claims and applications processes. Generally, most founders don’t really care which insurance company they’re with; they care that they have somebody who really understands them as a customer. We want startups to come to us because they trust the system, which provides a fast experience that works for them. It’s not very complicated, what we do for them at the beginning, we provide a smooth process where we can say they have high, medium or low risk then evaluate different quotes for them. BEST MOMENTS ‘Everybody’s pushing on the AI front, but the insurance market is also evaluating if it’s really necessary; it’s not all in, which is impressive.’ ‘We build the firm first and then embed the technology inside the firm. This will make us defensible in the future because we will own the data in our agency and use it to train our own model.’ ‘People are using a lot of AI nowadays, but nobody really understands where the data is going or hosted.’ ‘Insurance companies tend to adapt AI for themselves, not for the whole market. We want to bring them all together in one channel.’ ABOUT THE GUEST Andrei Craciunescu is redefining risk management with RiskCube, an AI-powered platform revolutionising insurance by streamlining risk assessments, accelerating quote processes, and providing real-time insights to help businesses secure coverage faster and smarter. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Rob Schimek, Group CEO at bolttech, about how bolttech’s connector model is redefining global insurance distribution, from telcos to auto makers and beyond. They also talk about why the future of protection will depend on trust, data and design more than policy documents and premiums, and what leadership really looks like when you are building at the intersection of revelation, innovation, and human impact. KEY TAKEAWAYS If you have an hour to solve a problem you should spend 55 minutes on the problem and then 5 minutes on the solution. I’ve spent my career in the problem, the formation of bolttech is the attempt at the solution – it’s the path that I’ve chosen to bring that solution to the marketplace. Our mission is to work out how to close a multi-billion-dollar protection gap that has existed for years, that’s getting bigger? In order to do that we need to really understand the problem. We think there are 4 basic drivers for this multi-billion-dollar protection gap that and they’re pretty irrefutable. We’re trying to make a seamless connection between the buyers of protection products (insurers) and the distribution partners who have access to the customers so we can put those solutions into the hands of the customers. bolttech’s here to try to provide tailored, affordable, accessible, and convenience insurance in the hands of the customer on a B2B2C basis, connecting big partners who have lots of customers to the insurance providers. Without the data there’s a tendency to paint everything with one brush, like it’s all the same. Data is accessible and available on a real-time basis today and it can be available with no intervention, straight from the vehicle telematics about the unique driver. BEST MOMENTS ‘We really want to connect people with more ways to protect the things that they value, we want to close the global protection gap.’ ‘The more we make connections frictionless, the more the connection will happen and the more the protection gap will get closed.’‘ If the mission and the vision are super-well-known then nothing can distract you from solving that problem, regardless of what’s going on in the marketplace around you.’‘ If a customer doesn’t trust the use of AI in their interactions with you then AI won’t be successful in that space because it won’t be accepted in that space. Ultimately it comes back to do we do things the right way and give the customers a reason to trust us?’ ABOUT THE GUEST Rob Schimek is Group Chief Executive Office at bolttech where he leads the team across its operations globally, overseeing its growth and partnership opportunities. With more than 30 years of experience in the financial services industry, Rob previously held senior leadership roles, including Managing Director & Group Chief Operating Officer for FWD Group, President and Chief Executive Officer of AIG’s commercial insurance businesses worldwide, and Chief Executive Officer of the Americas for AIG. Prior to that, he served as President and Chief Executive Officer of EMEA for AIG, and was the Chief Financial Officer of AIG’s global property and casualty insurance business. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to us about all she’s learned from the numerous guests on the show recently, from startup founders who build AI to simplify the chaotic insurance back office, to innovation leaders in Fortune 500 firms wrestling with ethics, regulation, and talent shortages. After dozens of conversations here’s what Sabine has learned: AI isn’t just changing our tools. It’s changing our temperament. This episode is her reflection on those lessons; a guide for leaders and builders trying to navigate this new age of intelligence and unpacks five principles that define successful AI adoption. KEY TAKEAWAYS When Branch Insurance introduced AI into its claims process, something unexpected happened. It wasn’t the customers who resisted, it was the adjusters. They were worried, not because AI made mistakes but because it didn’t. When Lisa Bechtold’s (who led AI governance at Zurich Insurance, now at Nestlé) team started implementing AI, they faced the classic dilemma: Move fast or move right. Lisa said: “We don’t see governance as slowing innovation – we see it as enabling trust at speed.” ERGO Group worked with CamCom, a startup from India that uses computer vision to detect car damage from photos or drones. The tech was brilliant. The challenge? Integrating it into a multinational insurer’s process. They didn’t just hand over the product, they sat side by side – engineers, adjusters, compliance officers, even lawyers – to make it work. It took nearly a year to get from pilot to production and the result wasn’t just faster claims; it was a new relationship model. The startup learned how corporates think. The corporate learned how startups move. That’s the real win. After all the talk about data, systems, ethics, and pilots, what really matters is how humans evolve. AI won’t replace people, but people who know how to use AI will replace people who don’t. That’s not a threat, it’s an invitation. AI is already changing what we expect from talent. Claims adjusters now need to interpret AI outputs. Underwriters must question models. Leaders must learn to manage digital teammates. BEST MOMENTS ‘Intelligent tool don’t remove human judgment; they reveal it in higher resolution.’ ‘In this AI era, trust is the new currency.’‘Every AI dream dies in the shadow of bad data.’‘The irony is that the more intelligent our systems become, the more human our leadership must be. Empathy, creativity, ethics aren’t data points, they’re our differentiators.’ ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Stephen Brittain, co-founder of InsurTech Gateway, a pioneering venture builder focused on bringing early-stage startups into the heart of the insurance world – a regulated industry that typically moves at glacial speed. Over the past decade, Stephen has helped launch and scale ventures inside one of the most regulated, risk-averse business sectors on the planet: the insurance space. He has been the spark for innovation inside large insurance corporates and the strategic partner for founders who wanted to navigate the labyrinth of regulation, procurement and distribution at scale. In other words: he has been solving the archetypal “how to innovate inside a large enterprise” question while keeping the spirit of a startup alive. KEY TAKEAWAYS I was a product /service designer, and I found myself – through building bigger and bigger products – coming up against risk, and I saw risk as a constraint. I knew that if I could only understand risk better that I might be able to do bigger and bolder and better projects. That’s how I outgrew product design and moved into insurance. InsurTech Gateway’s original intention was to find amazing founders and fast-track them into market with enough creative energy to survive, adapt and evolve in an environment where your first idea had to be your fixed idea. Today we give founders greater agility to learn and evolve, because no one ever knows what to do when they first start, it’s a learning journey. The upside, the enthusiasm, the opportunity framing of entrepreneurialism and venturing gets everybody started, rallies people together. But, an a bad day, the downside view is actually the long-term sustainability of any new category. VCs and insurers have never sat round the table together. BEST MOMENTS ‘The opportunity was not to make insurance sexy, it was to look at the secret powers of insurance to create mutual models to work at scale, to unlock lending and put trust into ecosystems that didn’t exist before.’ ‘One of the biggest challenges in InsurTech is; to get a successful outcome from something that looked great on day 1 but didn’t evolve into the opportunity.’ ‘Pattern recognition has never been higher and the cost to entry and experimentation has never been lower. We recognise what works and what doesn’t much better, but can we validate it with an insurer and get them onside? I think we still need to work out the connectivity.’ ‘If you can work with innovators, and you understand risk, and you can help unlock that innovation, you can make it sustainable.’ ABOUT THE GUESTS Stephen Brittain is the Co-Founder of InsurTech Gateway, the world’s first authorised venture builder and fund focused on insurtech. A true pioneer at the intersection of innovation, investment, and impact, Stephen has spent the past decade turning bold ideas into scalable ventures that redefine how insurance and technology collide. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Sebastien Denef, CEO and co-founder at AGENTS.inc, a company at the forefront of building intelligent agent platforms for enterprises. On this episode we explore how agentic AI architectures are reshaping industries, what it takes to scale agentic AI solutions across siloes, and why the winners in this space will be those who master both the technology and collaboration. KEY TAKEAWAYS You can give a task to an AI agent – a piece of software – that autonomously handles the task. When compared to previous layers of automation, we can now increase the autonomy level because of the AI models and the increased amounts of data we have. It’s underhyped. The impact we can have with today’s technology is very, very big and it will impact all sectors, from education to finding a job, buying a house, buying your groceries, deciding where to go on your weekend where right now we’re only seeing the beginnings of what could happen. Almost the entire industry is trying to improve ChatGPT, to make it a little bit better, we actually see that this chat function isn’t really needed. What is needed is having a tireless workforce that tirelessly works for you as AI agents – you don’t necessarily want to converse with all of them because there would be too many messages to handle. You need a control interface to steer these new employees. RPA allowed us to move a document from A to B. AI agents will allow us to understand what’s inside that document, extract the right stuff, put the right thing into the system, evaluate the information, and so on. All these things were impossible before, that’s the big difference and that is possible today. BEST MOMENTS ‘Think of AI agents as computers that work while you are asleep.’ ‘We will see shifts in entire industries, especially those with large workforces which will no longer be needed, and we will see new stuff coming up because of that.’ ‘Companies are only just waking up from the dream that if you use ChatGPT or Microsoft CoPilot you’re “AI-ready”.’ ‘More than 70% of the work people do right now can be automated.’ ABOUT THE GUESTS Sebastien Denef is CEO and co-founder at AGENTS.inc who is inventing the future of human-computer interaction. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Ulrich (Uli) Homann, Corporate Vice President, Microsoft, and Mark Luquire, EY Global Microsoft Alliance Co-innovation Leader, about how to build an agentic AI enterprise that doesn’t just work faster, but works smarter and, most importantly, works for everyone. KEY TAKEAWAYS In the past automation has been very task driven and specific, things had to go in a certain order and you needed to know that order ahead of time. While you need some of that with generative AI, we now have a system that can help do some of that thinking, so if things change in the process along the way, you can deal with it. Now you can rethink what processes even need to exist and focus on the outcome and how to get to it in a new way. By giving everyone at EY access to generative AI a couple of years ago we learned that people were able to accomplish more more quickly. They used it as a thought-partner, used it as a way to fine tune the product they were working on. Being able to see the evolution of generative AI to now where it’s coding applications on its own almost, seeing the new agent capabilities and tools, and being able to take action on its own with very little prompting, it opens the doors to possibilities and what you’ll be able to do in the future. BEST MOMENTS ‘Focus on where you want to be and then rethink how you’re going to get there, that’s the real key.’ ‘It’s not just an assistant to you, providing you with information, it’s actually taking on work it’s actually thinking through and processing those things as well.’ ABOUT THE GUESTS Ulrich (Uli) Homann is a Corporate Vice President & Distinguished Architect in the Cloud + AI business at Microsoft. As part of the senior engineering leadership team, he’s responsible for the customer-led innovation efforts across the cloud and enterprise platform portfolio. Previously Homann was the Chief Architect for Microsoft worldwide enterprise services, having formerly played a key role in the business’ newly formed Platforms, Technology and Strategy Group. Prior to joining Microsoft in 1991, he worked for several small consulting companies, where he designed and developed distributed systems and has spent most of his career using well-defined applications and architectures to simplify and streamline the development of business applications. Mark Luquire leads the EY organization’s global efforts to co-develop innovative solutions with Microsoft and clients, driving growth and accelerating technology strategy. He oversees cross-functional teams spanning sectors and service lines, serving as a key liaison to Microsoft’s product and engineering teams. Previously, Mark headed Platform Adoption for EY Global, leading enterprise-wide AI and cloud enablement, including integrating generative AI tools like EYQ, GitHub Copilot and Microsoft Copilot. He also created the first EY Global DevOps Practice and led cloud transformation efforts, making EY a leader in Microsoft Azure usage. Mark’s career includes leadership roles in large healthcare enterprises and technology startups, where he established scalable operations, spearheaded digital transformation, and built high-performing global teams. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Laurna Castillo, Senior Vice President of Product at CSAA Insurance Group, a AAA insurer serving millions of customers across the western United States. Laurna has become a leading voice in reimagining how the insurance industry – and entire communities – can build resilience in the face of escalating wildfire risk. On this episode, Laurna will share her journey, lessons learned from the frontlines of growth, and actionable insights for listeners eager to drive meaningful impact in their own ventures. KEY TAKEAWAYS The AAA was originally an automobile association focused on making cars safer, advocating for seatbelts, for example. Without seatbelts, car insurance would be more expensive, making driving less accessible to the average person. It’s the same with wildfire; there are massive quantities of homes being lost every year, and if we don’t have these solutions for fewer homes being burned down by wildfire, it’s going to be less accessible for the average consumer to live in places like California. Knowing where to start was our biggest challenge, but picking a direction and sticking with it, and recognising all the different facets that need progressing, we leant in when we recognised those. We’ve learned that people are overwhelmed. There’s so much information out there, if you speak to your neighbour, you might get one thing, if you speak to your local fire chief, you might get another. That was reinforced in our community engagements, as was the fact that trusted voices matter; people are most likely to trust the motivations of people they know rather than insurance companies. We’ve been leaning into this problem with this mindset for over a decade, and it’s becoming a strategic focus and imperative for us because of the increase in large-scale fires affecting many properties. One of the most important issues is where to start with mitigation. The 0-5-foot ignition zone is the single most important factor. The next is scalability, we need to rally around and give common standards and similar messages, that will help homeowners receive clear, consistent guidance. BEST MOMENTS ‘Do the next, best, right thing that’s in front of you. If you keep doing that, eventually it builds up into a system of change and collective progress.’ ‘I cannot emphasise enough how important partnerships are to this problem. They extend reach.’ ‘The easiest way to have a wildfire resilient home is to build one, building one that’s not resilient and trying to retrofit it is less optimal and not as easy.’ ‘The single most important thing is clearing flammable material (fences, overhanging trees and bushes) from a 0-5 foot zone from the house.’ ABOUT THE GUESTS Laurna Castillo is a forward-thinking leader and passionate advocate for innovation and sustainable growth. With a dynamic background spanning entrepreneurship, community development, and strategic leadership, Laurna has dedicated her career to empowering organizations and individuals to unlock their full potential. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Yo Kwon, CEO at Voltaire.Claims. Together, we pull back the curtain on how enterprise operations (and in particular finance and insurance operations) are being reinvented – not tomorrow, but right now. KEY TAKEAWAYS I was working with my co-founder on Ai technology trying to work out what would be applicable for wider businesses. While we were testing ideas someone was using one of our products to write claims letters. Adjustors don’t enjoy writing claims letter, especially denials, they lean heavily on templates and cheat sheets to figure out the clauses to cite, so small mistakes and big ones can slip though. Voltaire generates each letter from scratch, it doesn’t take shortcuts which removes the room for error. Litigation alone adds an average of $10,718 per claim in loss adjustment expense, we projects Voltaire can reduce litigated claims by 10% or more through more defensible correspondence. Even a conservative 5% improvement in leakage through clearer letters translates to $320,00 in recovered value. We include critical guardrails. If an adjustor requests a denial letter but there’s no valid policy exclusion that exists to support the denial, the system returns ‘no relevant policy language was found’. This prevents a wrongful denial or compliance violation before it happens. BEST MOMENTS ‘Before I started this company I did not think this would be a problem in 2025, and this is a problem because of the complexities of claims.’ ‘Whenever productivity is measured, people will choose speed over compliance, I’d go far as to say most adjustors never actually learn the correct way to write a claims letter.’ ‘Claims managers and adjustors have told us the AI is teaching them things about policies that they’ve never known before.’ ‘Our approach treats compliance as a product feature, not an afterthought.’ ABOUT THE GUESTS Yo Kwon is the Co-Founder and CEO of Voltaire.Claims, where he leads the development of cutting-edge AI solutions that transform insurance correspondence. With deep expertise in artificial intelligence, decentralized systems, and cybersecurity, Yo brings a rigorous technical perspective to one of the industry’s most overlooked but high-impact challenges: claims letter automation. Under his leadership, Voltaire has built a lightweight, API-driven platform that integrates seamlessly with core systems like Guidewire to deliver accurate, regulator-compliant claim letters in seconds. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Bobbie Shrivastav, co-founder and CEO of Solvrays about building AI-driven workflows that aim to eliminate 70% of manual back office work with governance, auditability, and with human-in-the-loop controls directly built in. They also talk about what makes vertical AI for insurance defensible and measurable, compressing sales and implementation cycles without cutting corners on risk, change management, and how to augment teams as talent retires while new talent ramps up. KEY TAKEAWAYS When the work comes into an organisation, not everything is digital. Things are still mailed, the first help we provide is extracting the information from those manual sources and place it with the right person in their case management system. That alone eliminates 5-7 touch points. When an agent sends an email we’re able to get a new business application, we’re able to extract the information, we understand that this is a new business applications, and we can take that data and integrate it into the new business solution. Before, someone would have checked an email, gone to the new business application and keyed that in so work could move in. We’ve eliminated that complex new business touch point. 74% of our industry is still tackling legacy. Customers don’t care if you’re still using mainframes, they shouldn’t feel a difference. We’re using agentic AI as a connector to legacy systems, we’re also doing database to database connectors, and for newer systems we’re using APIs. We eliminate a dependency factor and empowered IT to work with new technologies, so they’re not dependent on us. But the business and IT partnership with any project, whether it’s our solution or another, is the key to success. BEST MOMENTS ‘We want to be a ray of hope for the operations staff for back office.’ ‘What makes us superior, from an industry point of view, is that we’ve innovated in this space for the last 10 years, we understand operations intimately.’ ‘Once a signature is signed, our goal is to do one workflow in two weeks, not months or years, weeks.’ ‘Where I’ve seen most anxiety in business and IT is in implementation, it can drain your team. Our goal is: If we can build our orchestration layer the right way you don’t have to be so tense.’ ABOUT THE GUESTS Bobbie Shrivastav is founder and managing principal of Solvrays. Previously, she was co-founder and CEO of Docsmore, where she introduced an interactive, workflow-driven document management solution to optimize operations. She then co-founded Benekiva, where, as COO, she spearheaded initiatives to improve efficiency and customer engagement in life insurance. She co-hosts the Insurance Sync podcast with Laurel Jordan, where they explore industry trends and innovations. She is a co-author of the book series "Momentum: Makers and Builders" with Renu Ann Joseph. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Amit Santhirasenan, co-founder and CEO of hyperexponential, an actuary and software engineer who has built the AI native pricing and underwriting platform used by leading specialty carriers. In this episode we cover how to turn messy submissions into structured signals your pricing model can trust – without hiring an army, multi agent architectures, the agentic AI mesh, and the human in the loop controls executives need for auditability and speed, and where agentic underwriting is ready today (and where it isn’t), plus the metrics executives should track—cycle time, hit ratio, and loss ratio uplift. KEY TAKEAWAYS Email submissions were a luxury at the start of my career! What’s been so exciting for me, as a self-professed nerd, is the pace at which the capabilities of core models have got so good that even 6 months ago was a whole product’s capability and feature set is now within the gift of Gemini or GPT5. If you’re an underwriter filling out a spreadsheet/renew model, in 2025 you need to be working with hx underwriting , actuary or agent inside a renew model to have your paired partner helping you get to the best result. Why can’t you have deep risk research on every single risk? Why can’t you say: Tell me the most important characteristics in the world that you can tell me about the top 3 exposures? No human can do this work, the cost/benefit trade off there isn’t economic, but you can run an OpenAI deep risk API call to do that on every single risk you underwrite today. We do it for you, it’s what we do. All of a sudden it’s dramatically easier to bring that level of differentiation and specialism in the way that great underwriting has always been done to every single risk you want to touch. BEST MOMENTS ‘You won’t see that many places with a $7 trillion contribution to GDP, with such a small number of companies and people responsible for this.’ ‘We demonstrated the first API machine vision algorithm in the market in 2017, now kids coming out of university are doing that as toy projects before they get to our clients.’ ‘You can have an army of digital agents helping you now, all for $20 per month!’ ‘Generative AI models have unlocked the ability to pull data so quickly out of the information required for underwrite that you can put a very quick red/amber/green status on risks, several orders of magnitude greater than ever before.’ ABOUT THE GUESTS Amrit Santhirasenan is the Co-founder and CEO of Hyperexponential (hx), the AI native pricing and underwriting platform for P&C insurers. Under his leadership, Hx Renew has become known for delivering executive-level outcomes: ~50% faster submission-to-bind, 10× faster model build and deployment, and a platform that supports $45bn+ in GWP for 20+ enterprise customers worldwide. A qualified actuary and computer scientist, Amrit previously spent over a decade in the London Market. He served as Head of Pricing & Analytics at Tokio Marine Kiln, building the managing agent’s first technical pricing team to support ~£1.5bn GWP, and earlier held actuarial roles at Catlin (including standing up the Canadian actuarial function). ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Will Ross, Co-Founder & CEO of Federato, and if you’re an underwriting transformation leader—drowning in Excel, stale pilots, and disconnected data sources—this episode is for you. Will Ross isn’t here to sell you hype. He’s here to show what it looks like when AI actually delivers: faster quotes, better decisions, happier underwriters, and measurable results before the next board meeting. KEY TAKEAWAYS Thinking back to when Amazon released the Echo with Alexa and a bunch of us bought them and took them apart to figure out how it worked reminds me of how Wild West the early days of AI was a decade and a half ago. Now any undergraduate student taking computer science will have some exposure to AI. One of the first things they might learn is how to do simple tasks like that on very little computational resource. I love jumping into our products like that to understand how they work. Break down what AI means: There’s an idea of intelligence or grasping a concept or knowledge, then there’s artificial – doing something in place of a human. You can take it a step further and look at ‘generative’ – generating a thing, or predictive – predicting a thing, agentic – giving it agency and allowing it to complete a task. What is it that humans do today and, theoretically, what could humans do if they had unlimited time to do their jobs? For underwriters, the process is similar across many line of business: you analyse an exposure, loss history and loss control to come up with a rate perspective, etc. Where can AI systems interact with that process? BEST MOMENTS ‘One of the things I think is really scary with AI today is its perpetuation of news cycles and how fast it spreads.’ ‘No matter how sceptical people are, the vast majority of people are already using these technologies to do their jobs. By bringing them into the room, making them aware of what this technology does, and letting the interact with it, that’s a powerful thing.’ ‘There are going to be jobs that change, but we shouldn’t think about it as AI replacing our jobs, we should think about it as someone using AI to do our job who will replace us.’ ‘What we call AI today will change and change again because it always has; Deep Blue used to be called AI and is now called a chess simulator.’ ABOUT THE GUESTS William Ross is a product and operations leader obsessed with solving the toughest problems in insurance with a mix of pragmatism, speed, and machine learning. As a core member of the Federato leadership team, Will focuses on one mission: turning underwriting from a slow, manual grind into a dynamic, data-driven advantage. At Federato, Will is helping specialty and commercial carriers build resilience and growth into their underwriting operations, showing chief underwriting and transformation officers that AI doesn’t need to be another failed pilot—it can be the competitive edge that secures market share today. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Sara Mikulski, CTO at Kingstone Insurance, about the moment in her career that convinced her that the claims ecosystem could be rebuilt around a single, trusted data spine. KEY TAKEAWAYS When I started my career, success looked like stabilisation: getting to a point where we all understood what was happening in which system, where the data was, and just making it work. It wasn’t a long-term scalable solution, but I didn’t want to come into the organisation and disrupt it. It wasn’t ready yet, the first 18 months were about learning what was working and what wasn’t before making a move to address the concerns and questions in a scalable way. Between then and now, we’ve changed the entire platform and focused on ensuring that there were clear processes, good data in the right places, so we could automate more and enable future AI. This has made our adjustors so happy, as well as us, from an IT perspective, where it’s easier to maintain, help, and administer, etc. Many large AI initiatives that impact your core systems don’t always go as expected. The biggest learning we’ve had, as an organisation, over the last year was to not run before you can walk. Sometimes you think AI can fix the problem or the process, but when you start to talk it through or dissect it, you find out you could simply tweak the system to be better for the people using it or explore a different way of doing the process. BEST MOMENTS ‘There were less emotional decisions in the first place because we took our time and really thought things through.’ ‘You have to focus on how to make that one place your place – making sure the data that in there is clean, true, what data is there, what data your adjustors need to go outside of the system for and why.’ ‘Efficiency is king right now, which is why AI is getting such a movement behind it; you’re trying to find places where you don’t have to do something manually, or something that takes hours and condensing it to seconds.’ ‘AI will play an enormous role in current and future processes at all insurance carriers, but you still have to go back to the basics and figure out if you’re just trying to put a band aid on the problem or if you’re trying to solve it long-term.’ ABOUT THE GUESTS Sara Mikulski is Chief Technology Officer at Kingstone Insurance and is responsible for managing our IT organization and accountable for the company’s systems and data strategy, IT security, infrastructure, development, support, and vendor management. Sara brings 15+ years of experience in IT, leading effective teams and improving IT operations. Most recently, she was the Deputy CIO at UPC Insurance, where she was responsible for delivering numerous projects aimed at consolidating platforms and reducing technical debt. She also held leadership and technical IT positions at Esurance. Ms. Mikulski also worked at several other companies in various IT-focused roles. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Arvind Sontha, COE and co-founder of Kyber, an AI startup redefining how carriers handle claims correspondence. The insurance industry is undergoing a seismic shift as carriers face mounting pressure to deliver faster, more transparent, and compliant communications to policyholders and clients, making the need for digital claims transformation greater than ever. KEY TAKEAWAYS If you think about insurance and tailoring, the underlying model of risk is effectively a ‘user personal model’. We started with an obscure line of insurance that didn’t exist yet, or did around personal cyber insurance. We wondered what it would look like, rather than SMB or commercial cyber insurance, as individual underwriting and risk modelling. We got lucky in finding a great partner in branch insurance very early on. Over the course of our time engaging with them, we ended up turning into an extension of their team. We were able to work closely with them; they trusted us to quickly understand their problems and iterate to deliver quick solutions, while at the same time, they understood that there would be quirks with products that weren’t fully fleshed out, which they could iron out over time. It was a symbiotic relationship. If an adjustor has to take an hour to put a document together, you have to clear a 1.5-hour space in your calendar to do that. Life is hectic, you have meetings and other tasks to do, and so that 1.5-hour block keeps getting moved back, same thing happens to managers. If you can take it from 1.5 hours to 30 seconds for a high-quality letter and a one-click approval, you can slip that into any part of your calendar. That’s a really underrated part of the process. Some of the things we want to do in the future include things like managed parameters. We think it’s obtuse for all the carriers to handle fraud language individually all the time, for example. Kyber could manage that for you to make sure everything’s automatically compliant and good to go. Statutory language really enables the full organisation to be prepared to catch each other. BEST MOMENTS ‘Kyber is an AI native, document generation and delivery platform made for claims teams, that’s what we do.’ ‘Nobody doubted that I could build the complex AI to underwrite and quantify the risk; what they needed to figure out was whether I could sell insurance, which is why I got my broker’s licence!’ ‘The results have been better than I expected, we’ve seen 65% faster drafting times, 80% consolidation of their templates across a 50-state operation, and 5x reduction in letter cycle times for documents.’ ABOUT THE GUESTS Arvind Sontha is co-founder and CEO of Kyber, an AI startup that is redefining how carriers’ NTPAs handle claims correspondence. Arvind is at the forefront of digital transformation, leading Kyber’s mission to automate and streamline the entire lifecycle of claims forms and letters. Kyber’s clients report that the impact of AI automation is undeniable: Claims teams using Kyber have reduced letter drafting time by up to 85%, cut review time by 60%, and achieved a 3x faster outreach to policyholders. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Charlie Wendland, chief claims officer at Branch Insurance. The world of claims management is undergoing a seismic shift, with AI at its heart. Insurers leveraging AI have reported a 75% reduction in claims handling time and 50% increase in fraud detection accuracy. Cutting claims processing times allows adjustors to focus on complex decisions and customer care. Charlie talks about technology only being part of the story. The future of claims is about continuous transformation, balancing innovation with compliance, and making sure that as we innovate, we don’t lose sight of empathy and trust. KEY TAKEAWAYS The combination of investigation, problem solving, and most importantly, being there for people in their worst moments – as a claims adjustor – felt both intellectually engaging and genuinely meaningful. It really drew me to the role. We’re small and can’t afford to build a fully fleshed-out claims organisation. So, we made strategic investments to automate administrative tasks that typically weigh down our adjustors, affect road loss outcomes, and drive expense inefficiencies. We listened to our adjustors; we conducted many time studies to identify what’s bogging them down; we proactively sought out inefficient processes and looked for technology to improve them. We’ve taken an iterative approach to everything that we’ve built, understanding that it’s not going to be perfect when we first launch, but we’re going to be really sensitive to what is not perfect and seek perfection even though we know that’s not possible. BEST MOMENTS ‘Find administrative tasks that weigh down your adjustors, free them of those through technology, and they can spend more time on complex issues and customer care.’ ‘We get adjustor’s opinions on everything that we do, for the most part, which sounds inefficient, but it’s really not because we do it in a very thoughtful way.’ ‘70% of our first notice-of-lossis now either done electronically or through a voice AI.’ ‘With a startup, change is ever-present because we’re trying to find a way to do something and we’re able to change quite quickly, but the hurdles are all self-inflicted, so if we’re not communicating effectively, that’s on us.’ ABOUT THE GUESTS Charlie Wendland has 20+ years of expertise transforming claims operations across commercial and personal lines. As Chief Claims Officer at Branch, he leads an organisation that's reimagining the insurance experience through technology and customer-centric innovation while delivering optimal claim outcomes. Charlie’s leadership philosophy centres on driving operational efficiency that benefits both customers and the business, building collaborative teams that deliver exceptional results, and pioneering approaches that redefine industry standards. Throughout his career, Charlie has consistently delivered growth while enhancing customer satisfaction. I'm passionate about modernizing insurance and mentoring the next generation of industry leaders. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Barbara Schonhofer and Carmen Powell, two influential voices who have navigated and thrived in the ever-evolving insurance industry. In today’s conversation, we explore the sector’s evolution, the future of work, and best practices for continuous networking and development. KEY TAKEAWAYS When I started my career in 1972, men didn’t know how to behave as women came into their own in business and took frontline roles. It wasn’t so much misogyny that I faced; it was more like old geezers having a laugh; they didn’t know how to welcome women into their workplace because it was less usual. I found my way by being more humorous and smarter in my responses, so I sidestepped a lot of the banter in my early career. There were only a few predatory men; most just didn’t know how to behave in front of women. I have always celebrated being different. Anything that was an idiosyncrasy was put down to the fact that I was Spanish, and that suited me fine! That served me well because I didn’t have to follow the norms. However, when I interviewed for a very large organisation in the UK, the HR director asked me how I would cope with men making a pass at me. I said that I was coming here to work and that if anybody crossed the line, I knew how to deal with that. BEST MOMENTS ‘The men that were kindest to me didn’t help me, and the ones that gave me a tough time did business with me. I learned to keep my friends close and my enemies closer.’ ‘The most wonderful boss I had was a woman, the rest have been men, but, like Barbara, they gave me a hard time and pushed my boundaries enough, so I knew I was resilient enough.’ ‘With everything, you take two steps forward and one step back.’ ABOUT THE GUESTS Barbara Schonhofer’s career in financial services covers four decades, operating as a business leader and later as an executive search consultant to the insurance markets. When she began her career, she set out to better understand the complexities of much-needed culture change in insurance. During her years in financial services as an executive search consultant, Barbara challenged conventional practices and identified the need to bring together women leaders in the London Market to network. Alongside ISC-Group, Barbara co-founded and co-Chaired GAIN, a non-profit membership organisation that encourages a better understanding and inclusion of neurodiverse individuals in the insurance industry. She is a Freeman of the City of London and a member of the Worshipful Company of Insurers, where she co-founded its female network, iWIN. LinkedIn Carmen Powell is an experienced international marketing and business development professional whose strategic expertise is underpinned by a practical, positive approach to achieving challenging goals, including establishing new markets and reversing declining revenues whilst successfully navigating large, complex organisational matrices. Carmen has a passion for building societal prosperity and strengthening the ethical behaviour of organisations through making a difference to their bottom line. Ethics matter. Carmen constantly strives to deliver value in ever-changing corporate environments while also making a positive difference in our world. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Yandy Plasencia, founder and CEO of DataHaven Software. In today’s conversation, we talk about Yandy’s journey and vision as well as how mid-sized insurance companies can explore and empower their finance teams, especially their CFOs, by automating data reconciliation and unlocking real-time insights. KEY TAKEAWAYS For the most part, it all comes down to the basic ledger/sub-ledger challenge. The core systems are transactional and contain all the information about what took place, which payments were paid out, when a claim came in, and everything needed to verify that a claim has coverage within the rules defined by the policy. If the data isn’t easy to extract and digestible for the right audience, it will be challenging for that audience to interpret, reconcile, and do so in a timely fashion. In smaller carriers, there will be more technical folks who are not necessarily business-oriented. There’s always a gap between what the business and technology folks are looking for, and although technology does a very good job of getting the data where it needs to go, it doesn’t always meet the needs of the finance and accounting folks. There an ongoing friction between both departments. You need to build an intelligence layer with well-defined relationships across every data point related to financials. If it affects financials, you need to have a relationship, ontology, or something that tells you how these data points are interrelated. If you don’t have that, then it’s only creating a problem for something else that’s going to come up very soon. The main issue with spreadsheets with visualisation tools is that those tools solve the problem short-term until they don’t, they are extremely helpful until they become painful, and they become a bottleneck for the organisation to grow eventually. The tools don’t have change processes in place as data sets grow and organisations expand. They also become a personnel risk because only 1 or 2 people in the company understand it. BEST MOMENTS ‘Data is a powerful tool, and it’s “make it or break it” for a lot of companies, especially in insurance, where the devil is in the details.’ ‘Being able to trace an expense back to the root system and getting a full transactional detail for that specific number is the most reliable way to do something.’ ‘It’s only labour-intensive if you try to do this completely manually and you don’t leverage artificial intelligence in the right ways, and if you don’t have a defined framework to do this, if you do, it’s much easier.’ ‘It’s not rocket science… It’s just data science.’ ABOUT THE GUESTS Yandy Plasencia is a visionary entrepreneur and software architect with deep expertise in AI, data engineering, insurance technology, and regulatory compliance. At DataHaven, Yandy and his team are creating an insurance-specific intelligence layer that automates reconciliation, accelerates financial analysis, and helps leadership trace changes in loss or expense ratios directly to operational events. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Mike Gulla, CEO of Adaptive Insurance, whose team is redefining what it means to be resilient in an era of climate uncertainty and operational volatility. We’ll explore why now is the time for parametric and adaptive insurance, what inspired the creation of Adaptive, and how emerging technologies like AI, big data, and cloud computing are transforming the insurance landscape. KEY TAKEAWAYS Mike founded Adaptive in early 2024 to help businesses build financial resilience against climate change by leveraging parametric products and unique data assets. Starting a business comes with many challenges – revenue planning, product selection, and insurance. Our focus is on helping owners understand how environmental factors, such as extreme weather or business interruptions, could impact them over time. Power outages show that even with backup systems, grid failures can cause major disruptions – from dark streets to reduced customer traffic. As climate shifts, populations are moving into areas with new weather risks. My focus is on creating innovative insurance products that turn these challenges into opportunities for good BEST MOMENTS ‘The consumer needs knowledge to understand what the things are that are ultimately going to impact their business.’ ‘Speed is huge, which is why we use parametric products, a business owner needs to be able to make a decision very quickly after an event occurs. When you combine knowledge with speed, it helps them make a better decision for their business.’ The insurance industry has suffered from how fast things have changed.’ ‘Parametric insurance products are similar to streaming services in that they allow the consumer a new opportunity to have access to a different type of coverage that specifically focuses on something that might impact their business.’ ABOUT THE GUESTS Mike Gulla, CEO and Co-Founder of Adaptive Insurance, has over 20 years of experience in the insurance industry and is passionate about transforming how insurance works by leveraging technology and innovative strategies. His career is marked by a commitment to making insurance more adaptive, efficient, and customer-focused. Mike’s leadership at Adaptive Insurance reflects his vision for a smarter, more responsive industry—one that meets the evolving needs of clients in a rapidly changing world. Known for his forward-thinking approach and dedication to excellence, Mike continues to inspire teams and drive meaningful change across the insurance landscape. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Sterling Parker, Senior Vice President of Global Solutions and Services at Ivanti. Sterling is a recognised leader in workplace technology and digital transformation, with deep expertise in helping organizations of all sizes – from global enterprises to fast-growing startups – navigate the evolving world of work. In this episode, we dive into the findings of Ivanti’s latest report, which gives insights into how leaders can build workplaces that are not only more efficient but also more human, flexible, and future-ready. KEY TAKEAWAYS Ivanti’s latest “Technology at Work” report reveals a striking insight: while 73% of office workers and 83% of IT professionals consider flexible working “high value” or “essential,” only 23% of employees say their current job is highly flexible - highlighting a major flexibility gap that organisations must address to attract and retain top talent. The study also explores the widening flexibility gap, the rise of shadow AI, and the critical balance between optimising technology and empowering people. Leaders need to hear the feedback from their teams. In terms of what’s preventing them – whether it’s perception or reality – from having flexibility in their day-to-day job. If you’re trying to address something without first hearing what your team demands in terms of flexibility, then you will have a hard time marrying the demand to the business objectives. That’s a delicate balance. If you’re not defining what success looks like for an individual, how are you going to be able to measure, as you pivot to more flexible work, whether or not that is really leading to the outcomes you need as a business to continue to invest in that flexibility? To redefine flexibility, it comes down to the mutual benefits involved in how individuals define ‘flexibility’. From what I’ve seen, it happens at a team level, especially when you’re working on different objectives. BEST MOMENTS ‘Lack of investment from businesses is leading to this 23% feeling like they don’t have any flexibility.’ ‘There’s real cost in time spent with family, there’s real cost in the commute, and people weigh those options.’ Since COVID, individuals are more willing to leave businesses for flexibility. Refusing to adapt will increase the likelihood of losing skilled employees, which will cost the business. ’ ‘When top talent leaves, or isn’t being attracted, then you’re going to have an innovation stagnation.’ ABOUT THE GUESTS Sterling Parker is the Senior Vice President of Global Solutions and Services at Ivanti, where he leads the company’s worldwide support, services, and solutions strategy. With a deep background in IT operations and customer experience, Sterling is responsible for ensuring that Ivanti’s clients—ranging from large enterprises to small businesses—can securely and efficiently manage their digital workplaces in an era defined by rapid technological change and evolving workforce expectations. Discover more about Ivanti’s most recent report here. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Sam White , CEO of Stella Insurance. Sam is not just a leader in the insurance industry; she’s a trailblazer, entrepreneur, and advocate for creating a fairer, more inclusive world. In today’s conversation, we’ll dive into Sam’s incredible journey as an entrepreneur, her vision for Stella Insurance, and how she’s challenging the status quo in a traditionally male-dominated industry. We’ll also explore her thoughts on leadership, innovation, and the future of insurance. KEY TAKEAWAYS We didn’t realise, when we set Stella up, just how revolutionary it was because we had an entirely female management team all in our 20s and 30s, very spirited and high energy, going out and doing business in a very male-dominated marketplace. There are gender differences and I think we come at things with a different perspective, women do business differently, approach things differently, and have different needs and risks that they’re exposed to. What I love about the concept of insurance is the idea that a group of people come together and put money in the pot so that if one of them is vulnerable they can be supported. That community ideology is very appealing. When you look through the lens of women, you see a set of circumstances where my general experience when it works well with a large group of women that are all aligned on the same goal and support each other is magic. In terms of building good relationships, the principles apply. Firstly, you can’t build a good relationship with somebody who hasn’t got a good relationship with themselves and isn’t prepared to accept, acknowledge or work on that. My first business was launched from my sister’s conservatory where I picked up the phone to brokers and asked if they’d let me handle their claims. The benefit of that is that you don’t need to get funding and you can do it your own way, you’re learning on the job and experiencing direct feedback. The downside is that the foundations you’re building on may not be ideal. BEST MOMENTS ‘I was diagnosed with dyslexia as a kid and I think that creates a different type of mindset in terms of problem solving as well as resilience.’ ‘I like complicated problems, and insurance is one hell of a complicated problem!’ ‘Imposter syndrome is much higher in women than men, they second guess themselves continually. Most women are educated to not back themselves from the age of 7-8 and societally we also questions women far more than men.’ ‘The irony is; the process of the ‘do’ is the thing that gives you the confidence to keep on doing the doing. But, you have to do the first thing and make it through your first really big challenge.’ ABOUT THE GUESTS Sam White is a dynamic, visionary entrepreneur with over 20 years of experience building and scaling successful businesses. As the CEO of Stella Insurance, Sam is a trailblazer in the insurance industry, known for her innovative approach and commitment to creating meaningful change. Under her leadership, Stella Insurance has become a trusted and award-winning brand, recognized for its customer-centric ethos and dedication to empowering women in a traditionally male-dominated sector. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Amélie Breitburd, the former CEO of Lloyd’s Europe, and a leading voice in the movement to rethink how we insure against tomorrow’s biggest shocks – from climate and cyber to the long-tail risks the industry still avoids. In today’s conversation, we’ll unpack her journey to Lloyd’s, explore the institution’s evolving role in a risk-saturated world, and dig deep into the bold ideas behind her latest work. KEY TAKEAWAYS Every day, people should focus on their specifications and should be reminded of it. When I see syndicates doing business only in the US, they could do business in Europe almost for free because, from a capital perspective, diversification helps. We’re here to help people. People wouldn’t do anything: Take a bike, drive a car, or fly to Mars without insurance. It’s a key enabler. As leaders in the insurance industry, I believe we can show a great sense of purpose. There was a period when companies were mainly focused on buying, which was killing teams. I think we’re definitely in the partnership era now, which is great for startups because they can work for different companies, increasing diversity and helping people learn from each other. Insurers have a lot of data, but it’s a bit outdated. Risk is evolving because the automotive industry, for example, is moving towards autonomous cars; data about car behaviour is no longer as important as it used to be; the software and batteries that will be in cars are more important, so we must build another set of data. Then there are things like flying to Mars and carbon capture, where there is no data because we don’t know how we’ll be doing them. BEST MOMENTS ‘Risk is at the heart of what insurers do, and risk is about diversification.’ ‘The statistical aspect is that when you are together, you’re taking risks together and lowering the cost of capital.’ ‘The journey today is like moving from paper to pdf, but the next change perspective is moving to more digitalised exchanges between various parts of the company.’ ‘Coopetition is the idea that if we work together as competitors, we can access a market which is currently inaccessible because it’s not affordable, we can price the risks differently to make them more accessible.’ ABOUT THE GUESTS Amélie Breitburd is a strategic powerhouse in Europe’s insurance and risk management ecosystem, driving a bold agenda to double the size of the continent’s insurable market. With a sharp eye on the protection gap, Amélie brings an unflinching perspective on how to future-proof European economies—through syndication, public-private partnerships, and radical coopetition. A thought leader who thinks beyond tradition, Amélie fuses financial acumen with game theory principles to challenge how we scale solutions to climate risk, cyber threats, and long-tail systemic exposures. Her work on the Digital Insurance Exchange Market (Euro DIEM) envisions a next-gen insurance infrastructure—anchored in data access, distributed underwriting, and multi-layer diversification. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Geetha Sham, MD and President of CamCom in Europe, and Sathes Singam, innovation scout and programme manager at ERGO Group. In this episode, we will explore how ERGO’s Venture Client model turned a promising pilot into a production-grade capability, then we will investigate what it really takes to deploy AI in regulated multi-market environments, and how governance – if used right – can become a growth accelerator, not a roadblock. KEY TAKEAWAYS During initial discussions with our first insurance customer, we realised the inspection process was time-consuming, labour-intensive, prone to human fatigue, resulting in long, expensive cycles and inconsistency. This gap is now filled by our AI model, which provides a machine vision eye, enabling a mobile device to accurately capture images of vehicles, leading to damage assessments and reducing false positives. We want to democratise image capture; hence, we have built our product so it can operate on any type of forum and on mobile devices made since 2016. That makes us a leader in our own area, staying focused without scattering ourselves in the name of doing everything ourselves. There has been global adoption of AI, though what it does and how it is used varies, as every industry sees the value it adds. The standard way of implementing it is simple: it must align with the business and should not hamper existing business or processes within the industry/group. Edge cases must be addressed differently and modified so they are not completely controlled by standard feedback learning. BEST MOMENTS ‘Startup collaboration, in my experience, should become top of the management agenda.’ ‘It’s crucial to have someone locally who knows the culture in their particular country, and knows the people that need to be addressed.’ ‘It’s all about involving all relevant stakeholders in clear and transparent communication.’ ‘Each country has local laws, so there’s not only customisation, but there’s also localisation that has to be addressed. That’s where the governance model comes in handy.’ ABOUT THE GUESTS Geetha Sham is MD and President of CamCom in Europe. She is a seasoned technologist and scale-up strategist who has held senior roles at Oracle and Mindtree and is now building out CamCom’s European footprint from Düsseldorf. Sathes Singam is an innovation scout and programme manager at ERGO Group. He is the lynchpin behind ERGO’s deployment of CamCoM across the Baltics, Europe’s first testbed of this solution. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Joel Agard, Group Head of Innovation at Zurich Insurance, who has been driving bold, transformative startup collaborations across 40+ markets. His work has reshaped the way a global insurance giant works with startups, proving that innovation isn’t just about flashy tech – it’s about building real, meaningful partnerships that deliver results. From navigating the early days of Zurich’s Innovation Championship back in 2018 to scaling the program during a global pandemic – and now leading the charge into the future – Joel brings passion, strategy, and a touch of risk-taking to every conversation. KEY TAKEAWAYS The 2018 football World Cup inspired us to piggyback on the competition concept to raise awareness of corporate/startup partnerships. Back then, working with startups in our industry wasn’t the norm; we were working with big technology companies. We asked ourselves, how can we show the art of the possible and show that working with startups can really work? This is when we invented the Zurich Innovation World Championship. In the beginning, the pace that startups wanted to – and could – go didn’t always resonate with the pace Zurich wanted to go. We had to align expectations and create a safe environment where we could test fast and where it was OK to fail. I’ve fallen in love with cool technologies so many times, and I still do: I’m a geek. But, we had to learn that if these shiny, amazing technologies don’t really solve a problem for our customers or internal stakeholders, they’re not fit for purpose for us. It might be too early or not a good fit for us. BEST MOMENTS 'We at Zurich bring our reputation, brand, and insurance expertise from 150 years. Startups bring agility and speed because they are born in a digital world.’ ‘Failing in a big corporation often doesn’t have a good image. We’ve proved that failing fast and cheaply is achievable and beneficial for startups. It’s now a normal part of our process.’ ‘The Covid pandemic accelerated digital transformations, there were a lot of opportunities out there to accelerate our initiatives, so we increased the number of startups and pilots.’ ‘It’s crucial to understand the gaps and problems you want to solve because we’d be wasting each other’s time otherwise.’ ABOUT THE GUEST Joel Agard is Group Head of Innovation at Zurich Insurance. With a career dedicated to fostering groundbreaking solutions, Joel spearheads Zurich's Venture Client Startup Engine, a program that drives innovation across 40+ markets worldwide. His work focuses on bridging the gap between startups and corporate needs, enabling Zurich to leverage cutting-edge technologies and solutions to stay ahead in the ever-evolving insurance landscape. LinkedIn Zurich Innovation Championship ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Gregor Gimmy, founder of 27pilots, a company dedicated to helping companies build and scale Venture Client units, and allows them to benefit from startup innovations faster at a large scale and significantly lower cost and risk than traditional corporate venturing methods. On this episode we will explore how this Venture Client model is shaping corporate innovation, the strategic benefits it offers, and how companies can adopt this game-changing approach to stay ahead in a competitive world. KEY TAKEAWAYS When I joined BMW in 2012, I was surprised to find that it was leveraging only a small number of startups to improve its technology landscape across its value chain. I told them that CVCs were investing in 2.8 startups per year. This is not nearly enough to solve all the technology challenges we have; we need more like 100. My initial idea was not to invent a new model but to improve the current one. I was told that if they invested in 50 startups per year, they would have around 250 startups in 5 years, whose equity state we would have to manage, which is impossible. I concluded that VC isn’t scalable, but it didn’t solve BMW's problem either: accessing, adopting, and transferring cutting-edge technology quickly, because it’s about investment, not technology transfer. These are two totally different business processes. We needed to look for a new approach: becoming a Venture Client. Accelerators and CVCs are indirect models – like using a third party’s battery technology in the cars you produce – you first make the investment and then adopt the technology. The difference in the Venture Client model is cutting out the middleman. If you want to be good at somethin,g you need a dedicated unit. If you do it part-time, it will only work partly. If you make it a department, you can dedicate more time to it, secure a dedicated budget, and build a more robust KPI structure. BEST MOMENTS ‘More than getting into the world of Venture Client Modelling, I invented the world.’ ‘A Venture Client is a company that adopts startup technologies through procurement and M&A.’ ‘A corporation cannot compete against a good startup like Palantir or Oracle when they were startups.’ ‘The Venture Client model will displace Corporate Venture Capital to become the standard of corporate venturing.’ ABOUT THE GUEST As captain of the 27pilots endeavour, and the visionary behind the Venture Client model, Gregor GImmy focuses on advancing Venture Client knowledge and growing the global community through 27pilots’ corporate clients and academic allies. Gregor is deeply engaged in researching, publishing, and lecturing on the Venture Client model through leading business schools and top business engagements. Gregor is also a frequent speaker at startup-relevant conferences such as Slush, Web Summit, 4YFN, and DLD. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL discusses the launch of a new series exploring the Venture Client Model, which is turning corporate innovation on its head. Instead of merely investing in startups and crossing fingers, big companies buy from startups to drive innovation – today, not years from now. Imagine a world where a major Fortune 500, an automotive manufacturer, an insurance giant, or a bank can plug in a cutting-edge startup solution as easily as adding a new app to your phone. The questions Sabine tackles include: What if your company’s next breakthrough isn’t built in-house, but bought from a startup in an early pilot? And what if being a startup’s customer is more powerful than being its investor? KEY TAKEAWAYS At its core, a venture client is a corporation that purchases and uses a startup’s solution to gain strategic benefit. No equity stakes, no controlling shares – just buying the solution early, when the startup is still a venture. The company becomes the startup’s client (often the first or an early client), providing the startup with revenue and feedback, while the corporation solves a problem with a cutting-edge product. Insurance is traditionally conservative – heavy on compliance, cautious with new tech – slow, one might say. But that’s exactly why venture clienting is so powerful here: it creates a safe sandbox for insurers to experiment with startups. Zurich has no corporate VC arm at the group level, so everything they do with startups ends up as a venture client relationship or partnership. That means all the effort goes into tangible pilots and deployments, not minority stakes in startups that might not align with the business. It’s a bold approach, but clearly paying off. Imagine car insurance: traditionally, if you buy a policy in many countries, an agent might physically inspect your car, or if you have an accident, an adjuster needs to assess damage. CamCom replaces a lot of that with a DIY solution – the customer can just take a video of the car, and the AI will spot scratches, dents, cracked windshields, you name it, and even estimate repair costs. That means faster claims, smoother policy underwriting, and less hassle. BEST MOMENTS ‘The Venture Client Model flips the usual script: instead of investing in ten startups and hoping one succeeds, you pay a startup to solve a problem and start benefiting immediately.’ ‘This isn’t just theory. It’s happening now.’ ‘The model turns the corporation into what I like to call an innovation magnet – attracting the best startups because the word is out: “This company loves to buy new tech”.’ ‘By the end of this series, you’ll know the ins and outs of the model, from big-picture strategy down to on-the-ground tips, like why having a one-page startup contract can save you months of headaches, or why “impossible” should be banished from your vocabulary.’ ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

Sabine VdL talks to Lou Smith, a true trailblazer in financial services and insurance. In today’s episode, we’ll dive into Lou’s incredible journey, explore the vision behind Neuron, and discuss the key takeaways from the latest report that insurance providers need to consider. KEY TAKEAWAYS We all have moments in life where the last thing we want to look at is our credit rating and history, but those things can affect how you access financial services in the future. Lou was part of the team that delivered the first end-to-end mortgage renewal online, began breaking down investments, and got it into the hands of the many rather than the few. Everybody says insurance is behind the rest of the financial services industry, and it’s a funny statement. It doesn’t matter. What I’m seeing in insurance over the last 5-6 years is that this conversation has circled around: what do we do? But in the last 12-18 months, I’ve seen a passion for how we now think about using digital distribution models, digital analytics, and AI, and thinking of all of those things together and delivering distribution models that start to move the industry forward. The challenge is always in leadership, culture, and change adoption. This is because it’s really difficult to step into the unknown and think it’s going to be better than what you’re doing today. You want to empower people with the data and capabilities so they can do what they’re brilliant at: focusing on the best product and position for their client. Neuron and others enable brokers to do that. You also want to attract a new generation into the brokering sector, but rather than have them focus on the admin, they should be having great conversations with clients. All the work we’re doing enables brokers to do that. BEST MOMENTS ‘When starting my career, I had a real passion for how to make the services we were offering more successful for clients and customers.’ ‘We care about the customer and making financial data accessible to you through the narratives we use.’ ‘I’d love to say this was all planned out, we didn’t call it anything or know what it looked like, we just started to bring data and technologies together to build ‘workflow, " and that’s now cool.’ ‘We want to be the easiest, most predictable and consistent broker to work with.’ ABOUT THE GUEST Louise (or Lou) Smith is a trailblazer in the financial services and insurance industries, with a career spanning leadership roles across digital transformation, data, product innovation, distribution, technology, and operations. Her journey has been marked by groundbreaking achievements, including delivering the UK's first steps into digital distribution at Barclays, leading the digital transformation of the Royal Bank of Scotland (including NatWest) during its turnaround to profitability, and becoming the first-ever Chief Digital Officer at Lloyd’s of London. Currently, Louise is at the helm of Neuron, a transformative initiative aimed at redefining the insurance and financial services landscape. Through Neuron, she is driving innovation, collaboration, and growth, focusing on creating a more connected and customer-centric industry. WTWCO LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to James Birch, Director of Strategic Technology Solutions at Ki Insurance—the first fully algorithmic syndicate in the history of Lloyd’s of London. In today’s conversation, we’ll explore: James’s journey from VC to algorithmic-underwriting pioneer, what a “director of strategic technology solutions” actually does day-to-day inside a digital syndicate, the partnerships, cloud architecture and data streams that let Ki quote in seconds, the biggest trends shaping Algorithmic Underwriting 2.0—and what they mean for brokers, capacity partners and the wider market, and practical take-aways for anyone who wants to thrive as the next wave of automation rolls through speciality insurance KEY TAKEAWAYS Ki is a growth-stage business, not an incumbent; we’re trying to fight our way to win business and ultimately to grow. We have to do something different from everyone else to try to position ourselves differently and find a competitive advantage where we can. That’s something I’ve carried over from the VC space. We started out looking at what the digital model of the traditional model, where was the toil in the value chain and the broker’s work plan process and how can we simplifying it and make it more efficient using digital capabilities that we saw in the VC space, in FinTech and other financial service industries. Lloyd's of London is a heavily regulated market, so we need to abide by all the regulations that apply to any carrier or underwriter in that market. Our approach from day 1 was to engage with the regulator early, explain what we’re trying to do, be transparent, open, and honest about where the gaps are if we haven’t reached a certain level of maturity, and not overstate the algorithm. We take regulation very seriously, which has helped because Lloyds has been highly supportive of us and our growth, and has allowed us to grow alongside the market. The main cost-saving of the algorithmic underwriting for brokers is that they don’t have to have loads of brokers running around the Lloyds of London building to find 2% on a slip or something; the broker negotiates with the lead underwriter, comes onto the Ki platform for the follow-up, and then spends their time on new business and client opportunities. BEST MOMENTS ‘Any business should evolve as the market evolves and the marketing dynamics change, you’ve got to react to those and be thinking 2-5 years ahead.’ ‘We still trip up on ourselves, even now, because we sometimes try to over-complicate things.’ ‘Speak to the customer, hear their problems, understand what’s not working for them, try to make it a simple transaction for them, and then they’ll use your products.’ ‘I’m a big advocate of the partner model because if you get 2, 3, or 4 like-minded companies as partners, you can build something great together because you’re all strategically aligned.’ ABOUT THE GUEST James Birch is the Director of Strategic Technology Solutions at Ki Insurance, the market-leading algorithmic syndicate that’s redefining how Lloyd’s of London does business. Blending a venture-capital mindset with hands-on operating rigor, James has spent the past decade helping innovative companies move from bright idea to breakout scale. Passionate about demystifying insurance for the next generation, James is a sought-after speaker on topics such as data-driven risk selection, the future of algorithmic capacity, and what it really takes to scale a regulated tech business. Whether mentoring founders or road-testing the latest ML models with his engineers, he’s driven by one simple goal: use technology to make risk transfer faster, fairer, and radically more efficient. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Mark Stern, founder and CEO of Custom Box Agency, an award-winning boutique specializing in bringing digital offers to life through innovative offline ‘box experiences.’ Today, he’ll share how he made the leap from corporate to startup life, offer practical tips for integrating physical touchpoints into a digital world, and discuss the secret sauce behind building high-impact customer journeys. I can’t wait to dive into his wealth of knowledge. KEY TAKEAWAYS When I mixed physical and digital together with my publication called ‘Entrepreneur Elements’ I people started posting unboxing videos, which a digital-only product can do. Everyone who received the product became an ambassador and lots of organic traffic was being created as a result. During Covid the virtual event game became bloody red, in terms of competition, because everyone became a virtual event expert overnight. But the boxes, and how we were approaching this to get results faster, was an unknown, exciting realm which I went 100% in on and the business skyrocketed from zero to a million in the first year just by pivoting and focussing on this opportunity. What we include inside our boxes is a welcome note, a getting started guide – which, for me is the most powerful sales pieces to orient people on the journey that they’re about to start and see your universe, a journey map – a visual depiction of the recipe that’s going to get you the result, then all the tools and resources. This isn’t SWAG (Stuff Without A Goal), think of it a product development and who we can truly get into your programme and give people the incentive structure to want to take one step at a time. I love data, so I can engineer feedback loops to say, once you’ve hit a certain milestone, how can I get you to provide me with the information I need so 1, I can celebrate you, but 2, it also gives me good intel to make the product you’re making better. BEST MOMENTS ‘In the online space done beats perfect. I approach the standards of the online realm in a corporate way; the client’s either ready or not ready at all.’ ‘If you have a digital product, you have to compliment it with something physical because physical can tap into other modalities and senses that digital can’t.’ ‘It’s not about you, it’s truly about your customers and their needs.’ ‘Boxes can be a tool to take what you’re already talking about/teaching, or the service you’re providing, making it easier for people to have the breakthrough in a tangible way that a digital-only product just can’t.’ ABOUT THE GUEST Mark Stern is an accomplished serial entrepreneur and the visionary behind Custom Box Agency, an award-winning experience design firm headquartered in Austin, Texas. Leveraging his background as a top-ranked strategy consultant at Deloitte, Mark has guided major retail and lifestyle brands through transformative growth initiatives. He holds an MBA from Duke University and has been recognized as a Forbes Next 1,000 Entrepreneur, as well as featured in Joey Coleman’s bestselling book Never Lose an Employee Again. Mark’s passion for merging the physical with the digital underpins his signature approach of crafting “offline-meets-online” experiences. By moving beyond standard swag and focusing on strategic box campaigns, Mark’s team has successfully launched 100+ direct mail initiatives—boosting conversions, slashing churn, and extending customer lifetime value. As a mentor at SXSW, sought-after keynote speaker, and champion for innovative entrepreneurship, Mark remains dedicated to helping businesses of all sizes adopt experience design as a powerful lever for growth. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Colin Hirdman, the antidote to automated mediocrity. As a lifelong entrepreneur and co-founder of Monkey Island Ventures, he has spent two decades scaling SaaS tools, digital agencies, and now Rainmaker – a ‘white-glove’ service that ethically automates LinkedIn outreach to turn connections into revenue. Colin discusses Rainmaker’s ‘Authentic Engine’ framework: 10-30% connection rates, campaigns tailored to micro-audiences, and why human-driven strategies still dominate AI in B2B growth. As well as why he targets 25 people/day — and how even solo founders can replicate this, the ‘criminal justice grad’ who turned entrepreneur, accidently and sold his first startup days after college, and LinkedIn’s automation guardrails: What’s ‘ethical’ vs. what gets you banned. KEY TAKEAWAYS I’ve done a lot of growth hacking through email and LinkedIn, but I got better results through LinkedIn and ended up building out a software and process for myself. Rainmaker was born through me making it available to other businesses. But, you don’t need me or rainmaker to do any of the things we discuss on this podcast, you can do it manually. You have to be authentic on LinkedIn, both as yourself as well as the brands you represent. You should also have an educational mindset – no one wants to be sold to on LinkedIn, but almost everyone is willing to be educated – and an experimentation mindset, trying different features and functions of LinkedIn, stack the things that work and set aside the things that don’t. Understand the pains an barriers that you prospects are trying to overcome and know what it is that you can teach them. Growth hacks: LinkedIn Events – if you have a direct competitor, industry or organisation putting on a LinkedIn Event that your business solves for, if you attend that event you can see everyone else who attended that event and create a prospects list. Use people who are big in your area as proxies – use people’s open connections to see all first connections to her, second connections to you and is in your area, and begin connecting to them Building out your first connections is critical. I reach out to 15 people per day Monday-Friday during normal working hours. That gives you 500 people per month, which is below LinkedIn’s limits. Typically, you’ll get a 20% connection rate. Within 30 days of sending an invite, and they haven’t connected, withdraw the invite. It’s good hygiene, but after 3 weeks you can reach out to them again. Everything you do after that only gets better and has stronger possibilities as your audience grows. BEST MOMENTS ‘There are lots of opportunities to engage with your prospects on LinkedIn in ways that are valuable for relationship building and set you up as a thought leader.’ ‘People undervalue the value of being a first connection, when you’re a first connection you can see all kids of information about them, direct message them, and use other features and functions to engage with them.’ ‘I typically build my audience through Sales Navigator – a tool within LinkedIn that allows you to hone in on audiences..’ ‘If you’re using automation that is in any way inauthentic, it won’t work; you wouldn’t immediately set up a meeting with someone you just met. I wish people would stop; it’s lazy.’ ABOUT THE GUEST Colin Hirdman is a lifelong entrepreneur, startup advocate, and visionary behind Rainmaker, a platform revolutionizing LinkedIn’s growth strategies through its "Authentic Engine." As co-founder of Monkey Island Ventures, a venture studio launched in 2007 with childhood friends, Colin has spent nearly two decades fostering tech innovation and scaling ventures like SaaS tools, digital marketing agencies, and software development firms. His passion lies in unlocking the power of authentic relationship-building, as evidenced by Rainmaker’s mission to help founders, coaches, and sales teams expand their networks, generate leads, and close deals ethically on LinkedIn. A Minnesota native, Colin’s journey began with selling his first startup (launched just days after college) and evolved into mentoring entrepreneurs through actionable strategies like LinkedIn automation, audience targeting via Sales Navigator, and educational outreach. His philosophy blends authenticity, experimentation, and a focus on solving audience pain points—principles he shares as a board member of MNblockchain and a sought-after voice in B2B growth. When not advising startups or hosting LinkedIn livestreams, Colin champions the entrepreneurial spirit, proving that even a criminal justice graduate-turned-accidental-founder can redefine 21st-century scaling. Catch his insights on turning connections into revenue—no bots or spam required. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Georgiana ‘Gia’ Laudi, a strategic advisor, keynote speaker, and co-founder of Forget The Funnel, a consultancy focused on helping B2B SaaS companies drive predictable, recurring revenue through a truly customer-led approach. In this episode, Gia and I will explore why so many companies get stuck throwing “spaghetti at the wall,” instead of researching who their best customers really are. We’ll look at the common pitfalls teams face when relying solely on funnel-based thinking—plus the steps any organization can take to cultivate a thriving, customer-centric culture. Gia will also share highlights from the remarkable work she’s done with various SaaS brands, as well as tips you can put into practice right away. KEY TAKEAWAYS Two years after drafting up a customer experience map for our company, through the lens of the customer, we grew revenue by 900%. We’d aligned the team and the company, and it facilitated more streamlined conversation, more alignment, more understanding cross-departmentally making things much easier. It gave us a tool and a shared language for operationalising around customer experience. A big reason for forgetting the funnel and leveraging a more customer-led approach is through the lens of recurring revenue businesses. Even if you don’t have a recurring revenue business model most businesses agree that customer retention, expanding existing accounts vs finding new customers contains a lot of value. This serves all kinds of businesses very well. Customer research is often equated with long, drawn-out projects that are very costly and leave you with more questions than answers. There’s a lot of resistance when we use the term ‘customer research’, we tend to use the term ‘customer insights’. We use targeted, streamlined and intentional research via ‘jobs to be done’ which reveal meaningful patterns from as little as 10-12 people which can identify what leads people to seek your business out. Not all customers are created equally, you shouldn’t try to serve every customer, narrow your focus on who really, really cares about the problem that you solve, has a high willingness to pay, deeply understands the value in what you provide and would sing your praises from the mountain tops. BEST MOMENTS ‘If you orient your operations around the customer experience it becomes easy to make all kinds of decisions.’ ‘Existing customers are worth more and are less costly to us as a business vs finding new customers.’ ‘Your relationship with your customer does not end with the purchase, it begins with the purchase.’ ‘Early stage companies should focus on one customer and do a really good job, later stage companies shouldn’t conflate all customers into a homogenous group but think of segmentation in a meaningful way so you can still provide high-converting and resonating experiences even for multiple segments.’ ABOUT THE GUEST Georgiana (“Gia”) Laudi is a strategic advisor, keynote speaker, and co-founder of Forget The Funnel, a consultancy specializing in customer-led growth for B2B SaaS companies. With over 20 years of experience in marketing and product strategy, she’s helped high-growth businesses such as Unbounce, Calendly, and Sprout Social deepen customer insights, align teams around customer value, and drive predictable, recurring revenue. As co-author of the book “Forget The Funnel,” Gia advocates a practical, step-by-step approach to uncovering why the best customers buy—and how to ensure more of them succeed post-purchase. Based in Montreal, Gia is passionate about turning real customer needs into clear messaging, frictionless onboarding, and expansion strategies that empower businesses to scale sustainably. She joins Scouting for Growth to share her journey, discuss common growth pitfalls, and offer actionable tactics any organization can use to become truly customer-led. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Ron Rock, former Managing Director for the Financial Services Sector at JobsOhio, now guest editor at FF News. When you think "FinTech hub," your mind might automatically jump to Silicon Valley or New York. But there’s a powerhouse in the heartland that's giving these coastal giants a run for their money: Ohio. In our conversation today, we'll unpack why Ohio – a state that puts you within a two-hour flight of 75% of the U.S. and Canadian financial services industry – might just be the strategic move your startup needs to make. KEY TAKEAWAYS Ohio has the 4th-largest financial services economy in the US, so if you’re looking for partnerships, a market, and people who’ll have a conversation with you, the operating costs will be much lower than on the coasts in New York and California. If you’re a graduate in IT, thinking about going into an IT profession, maybe it’s time to think about financial services. If you can do that kind of development, programming, or coding, there are a lot of opportunities in InsurTech and FinTech. There are a few pillars you need for growth. The first is the state's economy, which we do. Then you need the ecosystem of players – investors, large companies, startups that have found a footing- and the talent in that ecosystem as well. When we look at the talent needed to fill jobs of the future in financial services, we have to ensure curricula are up to par, including AI and low-code environments. We’re not a one-size-fits-all; we have programmes that didn’t fit earlier-stage companies. We looked at that and how we could support formally and informally, and now we have 3 innovations across the state. These provide support, whether that’s proximity to other innovators or incentives like JobsOhio's Growth Cap for early-stage companies. BEST MOMENTS London and the Midwestern states share similar mindsets and amicable relationships. We find a way to make something happen.’ ‘Startups have found footing in Ohio because of the climate we’re in; we don’t have large catastrophes or losses, so if you’re testing a new product or company, you have that in your favour.’ ‘Ohio is a microcosm of a larger market, almost like a sandbox in which you can pay before you launch.’ ‘I call myself a connector, or facilitator, it’s the core of my job. I have to know the industry, but I’ll never get deep into knowing exactly what the industry is doing. So I stay in my lane and make connections to the right individuals, listen to companies, and introduce people.’ ABOUT THE GUEST Ron Rock is a forward-thinking business management executive and Managing Director of JobsOhio’s Financial Services Sector. With over two decades of experience spanning financial services, insurance, economic development, and process improvement, Ron is renowned for creating and executing strategic growth plans that boost market share, elevate customer loyalty, and broaden service offerings. A dynamic leader, innovator, strategist, and connector, Ron bridges the gap between traditional institutions and emerging technology ventures. He regularly partners with founders, investors, and corporate stakeholders to identify opportunities for expansion into Ohio, home to the nation’s fourth-largest financial services economy. Under Ron’s guidance, JobsOhio provides tailored incentives and support, empowering promising fintech and insurtech startups to flourish while meeting the needs of major banks and insurers throughout the state. Known for his collaborative style and commitment to continuous innovation, Ron’s work centers on connecting bright ideas with meaningful partnerships, ultimately creating jobs and sparking economic growth. His deep understanding of market dynamics, coupled with his emphasis on data-driven strategy, has positioned him at the forefront of Ohio’s rise as a nationwide hub for financial technology and insurance innovation. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Alon Kaufman, CEO and Co-Founder of Duality Technologies, a company that is revolutionising the way organisations collaborate on data while preserving privacy and security. During today’s conversation, we’ll explore the vision behind Duality Technologies, the real-world problems it is solving, and how organisations can future-proof themselves against risks by adopting privacy-preserving technologies. We’ll also dive into Alon’s inspiring journey as a technology leader and his perspective on the ethical and strategic aspects of data collaboration in the age of AI and Big Data. KEY TAKEAWAYS Combining and enhancing data sets is becoming more and more challenging in a world where privacy, security, regulations and data protection are becoming more critical. This is a good thing. What inspires us at Duality is to find a way to allow organisations to unlock the challenges around working together on data in a way that both protects the data and allows you to get the utility out of it. At the source of Duality is: How can we work on data sets without leaking or sharing the data. That’s where homomorphic encryption comes in. This allows us to work on and analyse data while it remains protected or encrypted. Two companies each have a list of customers and they both want to understand how many customers they have in intersection. The way you did this before is for company A to disclose it’s list of customers to company B which does the analysis and fins the intersection or go to a trusted third party. With duality, the two companies can use our software platform to run a computation that comes up with the intersection without either company seeing each other’s data. We all want our governments and law enforcement to be able to do their work, but we don’t want them to pull in every data point that we leave outside. Duality allows law enforcement investigations to run queries and analytics only on data that is allowed and only giving the insights that are needed. Government and healthcare – where data sets are large an sensitive – are big places where Duality has been successful. BEST MOMENTS ‘In order to get the most value out of data, the more you can bring data sets together and enhance them the better off you are.’ ‘Duality’s mission is to run AI data science analytics on data sets that cannot simply be centralised, and doing it where ethe data is while making sure the data isn’t exposed, privacy isn’t leaked or challenges of data localisation and regulation are not violated.’ ‘Companies that already know to work on their own data, and control it, can now go to the next step and do it in a collaborative way.’ ‘Insurance companies need to work together around fraud because the fraudsters utilise the fact different companies don’t talk and will attack one and then the other because they know the level of data shared between them is limited.’ ABOUT THE GUEST Alon Kaufman is the CEO and Co-Founder of Duality Technologies, a pioneering company at the forefront of data encryption and privacy technologies. With over 20 years of experience in technology leadership, Alon has a rich background spanning Big Data, Data Science, Machine Learning, and Cybersecurity. As a thought leader, Alon frequently speaks on Big Data, Cybersecurity, and Innovation. He is committed to advancing the conversation around data privacy and security. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Sara Simeone, an award-winning entrepreneur behind NoCodeLab.ai, the First Vibe Coding Launchpad that helps non-technical dreamers ship AI-powered products in just five weeks—no keyboard sorcery required. Whether you’re a Gen Z founder sketching ideas on a dorm whiteboard, an investor scouting the next scalable platform, or a corporate leader hunting for fresh growth engines, Sara’s story is your front-row seat to how Vibe Coding is about to change the way we build. KEY TAKEAWAYS Vibe coding is defined as creating something using your natural language and vibe with the code to try to understand how the product in front of you is changing as you add more prompts/features. It’s an evolution of the drag-and-drop of no-code platforms but allows you to express yourself in a clear, specific and tangible way to translate visions into products. When I stepped into the startup founder world, I realised that there was a very big problem: There are a lot of subject matter experts who had a lot of dreams, but they couldn’t make these into tangible products. A lot of accelerator programmes only teach you how to launch a product rather than create one because they take for granted that you have a technical co-founder or you can create it yourself, this excludes non-technical founders from a big portion of the entrepreneurial world. Founders don’t need to become techies, but they need a new process to make tch work for them. That’s when I realised AI can help. My goal is to give non-technical founders the creative freedom to move fast but with the discipline of the corporate world. We guide them to develop something new, that wouldn’t have been able to have been developed before. It’s now possible to create, realise and build that idea, it’s a mindset shift where we can become our own CPOs, CEOs, CMO, COOs, etc, we just need the right community around us. I want founders to be aware that they can solve their own problems and they can build something in plain English. When you’re building something, ask yourself who are the customers? What do they need? How much am I going to charge for this? Once there you can start generating technical foundations and product requirements – front/back end, database, APIs, etc in order to create that product. BEST MOMENTS ‘Vibe coding was coined in 2025, so it’s brand new, but I’d been doing it before the term was created.’ ‘AI gives us a lot of tools but we need to know how to use them.’ ‘The beauty of AI platforms is that if you see that something is going wrong you can question the code, understand what’s wrong and ask the AI to fix it for you.’ ‘With vibe coding and NoCodeLab you can build your ideas in days, weeks, or months depending on your technical expertise or background.’ ABOUT THE GUEST Sara Simeone is a multi-award-winning entrepreneur and product strategist who has spent the past two decades turning frontier technologies into real-world growth engines. Today she wears several cutting-edge hats: Founder of NoCodeLab.ai, the first vibe-driven coding accelerator for non-technical founders; CEO & Co-founder of Niftyz.io, the Web3 token-factory that lets brands transform data and IP into tradable digital assets; and lecturer in Blockchain For Business at the MedieInstitutet in Sweden. ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Ivan Pylypchuk, the CEO of Softblues, and Olha Pylypchuk, the company’s COO. In today’s discussion, we’ll explore: What Agentic AI is and why it’s poised to disrupt traditional business processes, how Ivan and Olha are leveraging multi-agent systems to solve domain-specific challenges and deliver business transformation, and the future of AI agents and their role in shaping the workplace of tomorrow. KEY TAKEAWAYS If you talk about traditional AI systems, they can handle one simple, specific task, such as image recognition, data classification, or content generation. Agentic AI is more autonomous and capable of complex decision-making across multiple steps. Our approach is focused on controlled, multi-agent systems. The biggest challenge companies face is collecting and integrating data. Often, companies have their valuable data spread across different systems and departments, like customer databases, email records, and business software. These don’t always talk to each other. To ensure an effective AI implementation, you must ensure that all this data is collected neatly and accurately. Surprisingly, some companies don’t know how their people work. When you observe their processes, you sometimes see that they miss important details about their daily operations, which can lead to significant wasted investment when we rectify these mistakes afterwards. That’s why we invest a lot of time working with and talking to the businesses about how their workflows move from point A to B. Then, we can enhance them with AI. How team members embrace this technology is very important. Even a perfect solution will fail if teams don’t use it. We create simple interfaces and make sure our systems explain their recommendations in plain language. This approach dramatically improves understanding of how AI works and builds trust. BEST MOMENTS ‘Agentic AI gives us scalability in different domains, explainability to understand what it’s doing, so we can provide the exact information that is needed across an organisation.’ ‘It’s important to start very small, on a piece of a project, so the AI can show clearly its quick results. After the goal has been demonstrated, then we scale the solution.’ ‘Our recruitment solution helps reduce time to hire by 60% and provides an increase in the quality of hires by 40%.’ ‘It gives you more time to do strategic work that brings more value to the business than managing this data.’ ABOUT THE GUEST Ivan Pylypchuk is the CEO and AI Solution Architect at Softblues, a company specializing in building multi-agent AI systems to tackle real-world business challenges. LinkedIn Olha Pylypchuk is the Co-founder and Chief Operating Officer of Softblues, where she drives operational excellence and spearheads AI-driven business automation initiatives. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine meets Areiel Wolanow, the managing director of Finserv Experts, who discusses his journey from IBM to founding FinServ Experts, emphasising the importance of focusing on business models enabled by technology rather than the technology itself. Areiel delves into the challenges and opportunities presented by artificial intelligence, responsible AI practices, and the implications of quantum computing for data security, highlighting the need for organisations to adapt their approaches to digital transformation, advocating for a migration strategy over traditional transformation methods KEY TAKEAWAYS Emerging tech should be leveraged to create new business models rather than just re-engineering existing ones. Understanding the business implications of technology is crucial for delivering value. When harnessing artificial intelligence, it's essential to identify the real underlying problems within an organisation, assess its maturity, and build self-awareness before applying maturity models and gap analyses. The EU AI Act serves as a comprehensive guideline for responsible AI use, offering risk categories and controls that can benefit companies outside the EU by providing a framework for ethical AI practices without the burden of compliance. Organisations should prepare for the future of quantum computing by ensuring their data is protected against potential vulnerabilities. This involves adopting quantum-resilient algorithms and planning for the transition well in advance. Leaders should place significant responsibility on younger team members who are more familiar with emerging technologies. Providing them with autonomy and support can lead to innovative solutions and successful business outcomes. BEST MOMENTS 'We focus not on the technology itself, but on the business models the tech enables.' 'The first thing you have to do... is to say, OK, is the proximate cause the real problem?' 'The best AI regulations out there is the EU AI Act... it actually benefits AI companies outside the EU more than it benefits within.' 'Digital transformations have two things in common. One is they're expensive, and two is they always fail.' ABOUT THE GUEST Areiel Wolanow is the managing director of Finserv Experts. He is an experienced business leader with over 25 years of experience in business transformation solutioning, sales, and execution. He served as one of IBM’s key thought leaders in blockchain, machine learning, and financial inclusion. Areiel has deep experience leading large, globally distributed teams; he has led programs of over 100 people through the full delivery life cycle, and has managed budgets in the tens of millions of dollars. In addition to his delivery experience, Areiel also serves as a senior advisor on blockchain, machine learning, and technology adoption. He has worked with central banks and financial regulators around the world and is currently serving as the insurance industry advisor for the UK Parliament’s working group on blockchain. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Lisa Bechtold, a global executive and strategic leader in technology and law, who at the time served as the head of AI governance from a transformative viewpoint at Zurich Insurance Group. Lisa is now with Nestlé. In this episode, we explore the challenges and opportunities of the current AI transformation, what it takes to drive innovation in insurance while minimizing potential risks of AI, the role of digital trust and sustainability in leveraging AI for long-term growth, and how leaders can prepare their teams for the digital transformation ahead of us. KEY TAKEAWAYS AI governance is about how we use AI, which already affects all areas of our private and business lives. The acceptance and potential success of AI applications, tools, and use cases correlate with the respect of legal systems and the culture of the country or region. With the tools, systems, and platforms we’ve built at Zurich, we’ve driven and scaled AI adoption, including the reuse of solutions that have proven extremely successful. In parallel, we drive AI literacy to foster adoption and ensure AI tools are used optimally. For example, setting the right prompts is crucial for generating the most valuable output from GenAI tools. On the one hand, we invest in the education of our workforce, with a particular focus on digital upskilling and AI literacy. On the other hand, it’s crucial to allow experimentation in a safe sandbox environment so everyone can embrace technological opportunities. Insurance has always been a data-driven industry, so the adoption of AI techniques is well-founded across the insurance value chain, from risk modelling to all phases of the insurance business. Looking ahead, with the AI revolution taking place this year, both opportunities and risks will be taken to another level. Today, AI systems are beginning to autonomously interact with one another and adapt their behaviours accordingly. I expec thatt, as things increase within both the interaction of individual AI agents as well as in the creation of high-performance, multi-agent systems. Such multi-agent systems offer a multitude of business opportunities but also pose challenges, such as potential information asymmetries and miscoordination, which need to be understood and managed. BEST MOMENTS ‘The goal of deploying AI solutions must be to optimise the benefits of the technology while effectively minimising the risks.’ ‘AI governance is the foundation of being a catalyst of AI innovation and ensures high-quality outcomes and inspires trust in customers.’ ‘Today we’re focusing on the scalability and further optimisation of our AI capabilities.’ ‘Managing the complexity of multi-agent systems in a safe and lean way while optimising business value will be one of the key priorities for 2025.’ ABOUT THE GUEST Lisa Bechtold shares: As a Global Executive and Strategic Leader and Leader in Technology & Law, I have profound expertise and experience in Data, AI, Governance, Digital Risk, and Regulatory Affairs to protect corporate assets and optimise business performance. After serving as Head of AI Governance at Zurich Insurance Group, I moved to Head of Group Risk Management at Nestlé. I have pioneered and led the operationalisation of a framework for AI Quality & Safety to oversee the development and deployment of AI solutions globally. My multifaceted background positions me perfectly to provide strategic advice on data, digital solutions, and technology topics, integrating legal & risk considerations, to generate sustainable business value and digital trust as a competitive edge. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Alex Schmelkin, a visionary entrepreneur who's reshaping the future of insurance operations. Alex is the Founder and CEO of Sixfold, a company at the forefront of harnessing Generative AI to empower insurance underwriters with groundbreaking tools and capabilities. Today, we'll explore how Sixfold is leveraging Generative AI to transform underwriting practices, the challenges and opportunities in implementing AI at scale, and Alex's vision for the future of insurance operations. KEY TAKEAWAYS There’s close to $7 trillion of premium written around the globe every year. That equals 7% of global GDP, it’s an enormous amount of premium that’s needed for the world to function and for people and businesses to take risks. The most underserved population are the underwriters, the people making decisions day in day out on that $7 trillion worth of business trying to figure out the good and bad risks and why. There’s so little support for these unsung heroes. The typical underwriter is reading the equivalent of a novel every 2-3 days in documentation. These are not interesting fiction novels, they’re information-dense losses, statements of values of property and exposures. We’ve expected them to consume more and more but it’s information overload. Enter language models and AI, in the first time in human history we have the ability to take in a nearly limitless volume of data and help the underwriter to see through that to find the patterns without having to read every single word on every single page and free them to do the extra research at the end to find the best result for the end customer. Regulators understand that AI is here and have already embraced it. They’re not as ahead of it as we would like them to be, as an industry, and they’re not getting everything right. But by putting a few fence posts around the problem we’re trying to solve they’ve forced the conversation and the industry to respond to it and to start rolling out the way we are with some of these AI transparency partner models. The single challenge we run into everywhere is underwriter trust. The underwriters, despite being overworked, there not being enough of them, and despite it being a challenging job, are really good at what they do. The reason is they’ve been trained over the years to do everything they can to get the right answer. They’re the front line protecting insurance companies from bringing on bad risks. The hardest thing is to convince them is that AI is accurate. If they have a bad experience with AI first time they may not go back ever. BEST MOMENTS ‘I found insurance – or it found me – almost 20 years ago and I’ve never looked back, and it’s all underwriting all the time.’ ‘The biggest use of GenAI today is helping underwriters to find more accuracy, be more effective, and more transparent in their underwriting efforts.’ ‘We attempt to arm the human with a bevy of different things for those who are the less value-producing part of their jobs.’ ‘The human is so much more effective when they’re working beside a robot that helps them be more accurate and more efficient at their job.’ ABOUT THE GUEST Alex Schmelkin is the Founder and CEO of Sixfold and is at the forefront of revolutionizing how insurance underwriters operate through Generative AI—a game-changing approach that not only enhances decision-making but also streamlines processes for a more efficient future. His knack for identifying industry pain points and transforming them into innovative solutions has been the backbone of his success. With a deep-rooted belief in the power of technology to drive growth, Alex has consistently pushed the envelope, challenging norms and inspiring those around him. Beyond his entrepreneurial endeavors, Alex is a dynamic speaker who captivates audiences with insights on SaaS, customer experience, and technology ethics. His passion for responsible innovation shines through in every conversation, as he advocates for solutions that not only meet business needs but also uphold ethical standards. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Anneli Scopazzi, CEO and Founder of Boulevard Recruiting. With a background rooted in fast-growth startup environments, Anneli has become an authority on matching world-class talent to the right opportunities—particularly in an era brimming with AI-driven disruption. Expect a compelling conversation about how technology is changing the face of recruiting, the critical importance of upskilling and reskilling in today’s competitive market, and what early-stage ventures need to keep in mind while scaling with AI. KEY TAKEAWAYS We work with early-stage startups, starting with series B but it’s moved down to series C when the market crashed, but we now sit in series A where we’re hoping to scale with those clients for the next couple of years to be the first recruiters on the ground, working very closely with the founders. As the companies start to scale and hire internal recruiters the we’ll work very closely with them too. Covid benefitted us in vary big way as a remote company founded in Q4 2019, I was fiercely committed to working remotely, it was the number one driver of the company, the name Boulevard was chosen because it represents remote work. When Covid happened, everyone had to figure out how to work remotely and now companies are accustomed to it and how it works. AI is something that felt scary for a minute back when ChatGPT was released and there was all this appearance of fast acceleration. But, working in tech, we’ve known this has been going on for years. I wanted to be the first to adopt and work with these early tech companies, you don’t want to be the company that doesn’t survive the extinction event if you can’t work it out. In the recruiting landscape I haven’t seen any amazing AI solutions just yet. There are some things that make us more efficient, but we’re in a bit of a safe space because of the relationship focus, which is really hard to replicate with AI technology. The more exciting thing is working with the AI companies and seeing them get funded massively. It’s an exciting space to be in. BEST MOMENTS ‘I’ve loved the French language and Paris since I was very young and I didn’t want to name my business after myself. What I love about Boulevard is that it’s of French origin but it’s very recognisable around the world.’ ‘What excites me about working with early-stage startups is that you have the ability to do more than you’re qualified to do.’ ‘A lot of my personal growth has been very self-taught. That’s been very liberating and rewarding but also can be very painful at times learning through mistakes.’ ‘There’s a lot of administrative work in recruiting, in-bound applications have surged dramatically in the last couple of years globally. The recruiting tools we’re seeing are sorting through profiles faster and narrowing it down to a shorter list for the human to review.’ ABOUT THE GUEST Anneli Scopazzi is the CEO and Founder of Boulevard Recruiting, a boutique San Francisco-based agency that specializes in matching startups with world-class talent in engineering, product, and beyond. She began her career in accounting before transitioning into recruiting about seven years ago, initially stepping into a 100% commission role at a boutique agency and later being recruited to Palantir. This non-traditional path enabled Anneli to grow quickly in leadership, ultimately becoming Head of Talent at Figma, where she played a key role in tripling the company’s headcount through its Series B and C stages. In September 2019, driven by her passion for connecting people and technology, Anneli founded Boulevard Recruiting—a remote-focused firm that balances expert matching of talent with a flexible work culture for its team members. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]