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3-min read • 21 Oct 2025
Data Protection
NEOINSURANCE®
Insurance
DACH
Rethinking Data Consent: Strategies for Future-Oriented Insurers
Swiss insurers are increasingly focusing on cost efficiency and strengthening their core business. Data plays a central role in this: it enables the development of new products, the optimisation of existing processes, and robust risk management. At the same time, data consent among customers and partners has declined in recent years. Against this backdrop, insurers face the strategically relevant question of how to strengthen trust in the handling of data and actively encourage data consent.
Written by Matthias Blum and Nora Demiri
Data as a strategic asset
With the NEOINSURANCE® Framework, Synpulse has developed an approach that combines technological innovation with a customer-centric focus. The aim is to support insurers in positioning themselves within a dynamic market environment and unlocking new growth opportunities. One of the framework’s central core beliefs is “Data as an Asset”. The traditional role of the insurer as a pure risk carrier is being transformed into a data-driven solutions provider with a focus on customer-centred value. The use of Business Intelligence and Advanced Analytics marks a paradigm shift—moving away from the reactive “pay and settle” approach towards a proactive “predict and prevent” model.
Data-driven value creation: New opportunities and challenges for insurers
Despite the potential of data-driven business models, customer and partner data consent is declining.
Trust, transparency, and fairness are decisive factors—but how can these be actively promoted?
Fig 1: Levers for increasing data-driven value creation
A sound understanding of individual customer needs along the entire customer journey forms the foundation for data-driven value creation. Holistic data models enable the development of personalised insurance offerings and dynamic pricing models. At the same time, targeted, data-driven communication can sustainably strengthen customer loyalty. At an operational level, the use of Advanced Analytics and automation leads to efficiency gains—particularly in claims handling and underwriting. New potential is also emerging in sales: integration into digital platforms and partner offerings creates additional, data-driven sales channels. Furthermore, networking with players from outside the industry enables entry into new ecosystems, such as health, mobility, or energy—thus further developing one’s own business model.
What motivates individuals to give data consent?
The reasons for giving data consent vary—from a desire for control to perceived benefits. Insurers must understand which incentives are effective and how to use them responsibly.
Curious to learn more?
In the full version, you will discover:
- Which psychological and ethical factors influence data consent
- How insurers can build trust through targeted measures and incentive systems
- The five strategic fields of action in which insurers should become active
- How Synpulse supports with concrete tools and frameworks
In-depth insights in the full article
Download the full PDF to find out how you, as an insurer, can strengthen your customers’ trust and enable sustainable, data-driven value creation.
The future of insurance is data-driven—but only on the basis of trust, transparency, and genuine customer focus. Insurers who internalise and implement these principles will not only achieve operational efficiency, but also sustainable customer loyalty and new growth opportunities.
Would you like to know how to embed these principles in your organisation?
Contact our experts. We will support you from strategy through to implementation.
Our Experts In This Topic
OUR EXPERT
Silvan Stüssi
Managing Partner, Global Head of Insurance
Silvan heads Synpulse’s global insurance practice, advising leading insurers on strategic transformation programmes focused on digital capabilities, target operating models, and operational excellence. His work includes designing and launching new insurance organisations and digital operating models to help clients thrive in an ever-changing market.
OUR EXPERT
Lukas Diener
Partner and Global Head of Property and Casualty Insurance
Lukas leads Synpulse’s insurance practice in Switzerland, advising reinsurers and insurers on operations, IT transformations, and regulatory-driven initiatives across Europe and Asia. His expertise includes insurance mergers, operating model and enterprise architecture transformations, and core platform replacements.
OUR EXPERT
Matthias Blum
Associate Partner and Global Lead of NEOINSURANCE
As Global Lead for NEOINSURANCE®, Matthias Blum helps insurers design modular, data-driven, and customer-centric operating models. An Associate Partner with deep core insurance transformation expertise, he translates the NEOINSURANCE® model into actionable roadmaps across distribution, underwriting, and claims. He also co-authored Synpulse’s perspective on building trust in data consent.
Related Contents
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3-min read • 21 Oct 2025
Data Protection
NEOINSURANCE®
Insurance
DACH
Rethinking Data Consent: Strategies for Future-Oriented Insurers
Swiss insurers are increasingly focusing on cost efficiency and strengthening their core business. Data plays a central role in this: it enables the development of new products, the optimisation of existing processes, and robust risk management. At the same time, data consent among customers and partners has declined in recent years. Against this backdrop, insurers face the strategically relevant question of how to strengthen trust in the handling of data and actively encourage data consent.
Written by Matthias Blum and Nora Demiri
Data as a strategic asset
With the NEOINSURANCE® Framework, Synpulse has developed an approach that combines technological innovation with a customer-centric focus. The aim is to support insurers in positioning themselves within a dynamic market environment and unlocking new growth opportunities. One of the framework’s central core beliefs is “Data as an Asset”. The traditional role of the insurer as a pure risk carrier is being transformed into a data-driven solutions provider with a focus on customer-centred value. The use of Business Intelligence and Advanced Analytics marks a paradigm shift—moving away from the reactive “pay and settle” approach towards a proactive “predict and prevent” model.
Data-driven value creation: New opportunities and challenges for insurers
Despite the potential of data-driven business models, customer and partner data consent is declining.
Trust, transparency, and fairness are decisive factors—but how can these be actively promoted?
Fig 1: Levers for increasing data-driven value creation
A sound understanding of individual customer needs along the entire customer journey forms the foundation for data-driven value creation. Holistic data models enable the development of personalised insurance offerings and dynamic pricing models. At the same time, targeted, data-driven communication can sustainably strengthen customer loyalty. At an operational level, the use of Advanced Analytics and automation leads to efficiency gains—particularly in claims handling and underwriting. New potential is also emerging in sales: integration into digital platforms and partner offerings creates additional, data-driven sales channels. Furthermore, networking with players from outside the industry enables entry into new ecosystems, such as health, mobility, or energy—thus further developing one’s own business model.
What motivates individuals to give data consent?
The reasons for giving data consent vary—from a desire for control to perceived benefits. Insurers must understand which incentives are effective and how to use them responsibly.
Curious to learn more?
In the full version, you will discover:
- Which psychological and ethical factors influence data consent
- How insurers can build trust through targeted measures and incentive systems
- The five strategic fields of action in which insurers should become active
- How Synpulse supports with concrete tools and frameworks
In-depth insights in the full article
Download the full PDF to find out how you, as an insurer, can strengthen your customers’ trust and enable sustainable, data-driven value creation.
The future of insurance is data-driven—but only on the basis of trust, transparency, and genuine customer focus. Insurers who internalise and implement these principles will not only achieve operational efficiency, but also sustainable customer loyalty and new growth opportunities.
Would you like to know how to embed these principles in your organisation?
Contact our experts. We will support you from strategy through to implementation.
Our Experts In This Topic
OUR EXPERTSilvan Stüssi
Managing Partner, Global Head of Insurance
Silvan heads Synpulse’s global insurance practice, advising leading insurers on strategic transformation programmes focused on digital capabilities, target operating models, and operational excellence. His work includes designing and launching new insurance organisations and digital operating models to help clients thrive in an ever-changing market.
OUR EXPERTLukas Diener
Partner and Global Head of Property and Casualty Insurance
Lukas leads Synpulse’s insurance practice in Switzerland, advising reinsurers and insurers on operations, IT transformations, and regulatory-driven initiatives across Europe and Asia. His expertise includes insurance mergers, operating model and enterprise architecture transformations, and core platform replacements.
OUR EXPERTMatthias Blum
Associate Partner and Global Lead of NEOINSURANCE
As Global Lead for NEOINSURANCE®, Matthias Blum helps insurers design modular, data-driven, and customer-centric operating models. An Associate Partner with deep core insurance transformation expertise, he translates the NEOINSURANCE® model into actionable roadmaps across distribution, underwriting, and claims. He also co-authored Synpulse’s perspective on building trust in data consent.