For more than a century insurance business has been: evaluate risk, collect premiums, pay claims. We had a lot of physical insurance agencies all around, paper to read and sign. The digital revolution has changed everything. With machine learning and smart insurance we know the damages in advance and we can anticipate claims; with black boxes and Iot applications we can give support to our customers in real time. We sustain collective intelligence of Generali’s people with hackathons and bootcamps and continuous learning.