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Tech Trend Radar How will technology impact insurance in 2023?Image: BullRun / stock.adobe.comTech Trend Radar 2023Introduction2The Tech Trend Radar 2023 provides information about technology-driven trends that are relevant to insurance companies in the global insurance sector. Made by insurers for insurers, the radar aims to sharpen awareness, provoke discussion and initiate new business opportunities that appeal toall insurance clients. It is a collaborative initiative by Munich Re Business Technology and ERGO IT Strategy. Together with Business Units and Strategic Units within Munich Re Group and external experts such as Institute of Electronic Business e. V., Forrester and Gartner, future trends have been gathered, aggregated and rated in order to provide a comprehensive view of technology trends, their maturity and relevancefor Munich Re Group and the insurance industry.The Tech Trend Radar 2023 provides an overview of innovative trends and solutions in the global insurance market.Tech Trend Radar 2023Contents3Healthy Human10Connected Experience37Data & AI63Cyber & Crypto105Redefining Industries137AdoptBehavioural AnalyticsDigital Healthcare1517Automotive IoTData FabricEdge Computing424446AI DemocratisationDigital TwinMachine-driven DecisionsNatural-language ProcessingTrustworthy AI7072747779Cyber SecurityDigital IdentityHuman Recognition110119121Robotic Revolution142TrialAI MedicineBiomanufacturingPersonalized MedicinePopulation HealthRobotic Health1921232527Ambient ComputingExtended Reality4850Data MeshKnowledge GraphsLarge Language ModelsQuantum Computing82858789Deepfake DefenseDigital CurrenciesSmart ContractsPrivacy-enhancing Tech123125127129Autonomous ThingsHydrogen EconomyNew Energy at ScaleSmart Cities144146148150AssessHuman EnhancementVaccine Technologies2931Brain-machine InterfaceMetaverseSuper AppsUbiquitous Connectivity52545658Multimodal AIReinforcement Learning9295Automated ComplianceDecentralised Data Economy131133Blue EconomyBusiness ResilienceCarbon CaptureIn-Space Economy152154156158HoldArtificial General Intelligence97Our Solutions33Our Solutions60Our Solutions99Our Solutions135Our Solutions160Our approachContributionImprint6189190ForewordHow to read this reportTech Trend Radar 2023Cyber Security HighlightRegional pages Next Gen Insurance479113166181Tech Trend Radar 2023Foreword4Joachim WenningChair of the Board of ManagementMunich ReMessage from the CEORecent advances, particularly in the field of artificial intelligence, have the potential to revolutionise the way we work and interact with one another. Keeping up with the latest trends in technologyis vital for companies in almost every sector to stay agile and meet evolving client needs.To be competitive, though, it takes more than that. It calls for the ability to adapt to this ongoing change in a way that is sustainable and profitable for your business, to apply expert knowledge in a targeted manner and to act with foresight. Innovations such as AI, natural-language pr