Strong today. Built for yesterday. Your 220% solvency gives you the war chest for transformation—but the clock is ticking.
You nailed the automation wave—€1.27B saved annually at 20% automation.
But it's too slow and lacks scale.
Moving from 20% to 35% automation & native Agentic AI workflows next year, with intelligent
redeployment to boost employee morale: €3.3B value creation. The math is proven. The risk is in
moving too slowly, not too fast.
Allianz is fighting yesterday's war. BigTech loads tomorrow's weapons. Blockchain writes entirely new rules.
27,828 job ads. 10,159 actual departures. Either recruitment runs at 30% efficiency or internal
mobility is broken. €50M annual waste.
Worse: 89.2% of leavers exit insurance entirely—they're not joining competitors, they're abandoning
the industry. Meanwhile Allianz takes 109 underwriters while you add 182 agents.
9% turnover proves loyalty. Fix the system, not the people.
112,113 employees analyzed. The verdict: You're built for the last war, not the next one.
Insurance/Finance roles—your largest immediate value pool
You don't have a talent exodus—you have an efficiency paradox. And Allianz might be surgically extracting your innovation layer.
As I process your workforce data, three questions keep surfacing that nobody in your organization is probably asking. Confronting these may reveal €1B+ in immediate opportunity.
This isn't cost-cutting. It's workforce multiplication aligned with your "Unlock the Future" plan. AXA becomes the global exemplar of socially minded human-AI partnership.
Optimal human-AI configurations for insurance transformation
You're going in the right direction. The foundation is solid. The strategy makes sense.
But the pace isn't matching the opportunity.
Every month of delay compounds the cost. The technology exists.
Most of your employees are already using it in secret, waiting for leadership to catch up.
The only variable is courage.