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The Wolfcast
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The Wolfcast spent some high-quality talking with Nikolaus Sühr, the CEO & Co-Founder at KASKO. KASKO offers an API-powered agile insurance product and distribution platform that operates between digital customer touchpoints and legacy IT systems.
Some of the topics Nikolaus discussed:
Remote working and distributed teams
Enabling different channels of communication depending on the urgency
The focus on providing growth to one's stakeholders
The beauty of insurance and how it does not necessarily need to be disrupted
The difference between input and output-oriented
The three mental notes hidden in the word Enkelfähig
Some other titles we considered for this episode:
I’m Trying but I’m Also Preaching Water and Drinking Wine
If You Don’t Use It, You Lose It
A Gate to Move Things Along
Enabling More People to Be More Efficient
Value Creation and Long-Term Thinking
This podcast is supported by Riskwolf.
The Wolfcast learned a lot from its discussion with Dan Draper, the Founder and CEO of CipherStash. CipherStash uses a searchable encryption scheme that enables data to be searchable even while it remains encrypted. This gives data high-level protection without compromising usability.
Some of the topics that Dan covered:
What he learned while working for the Australian government
Learning how to code on a BBC Micro
Working for a startup in New York
The increased scope of security attacks
The necessity to improve cybersecurity awareness
IBM’s report on The Cost of a Data Breach
An analogy to F1 racing
Separating access to the infrastructure from access to the data
Other titles we considered for this episode:
The Good Guys Are Doing That to Simulate What the Bad Guys are Doing
Undifferentiated Heavy Lifting
If Only It Was That Simple
Now Our Interests Are Actually Aligned
The Most Vulnerable Part of the System Is the Human
Some other interesting links:
The Effect of Google Search on Software Security
The Impact of Information Sources on Code Security
This podcast is supported by Riskwolf.
The Wolfcast was interested to speak with Özgür Arslan-Ayaydin, Clinical Professor of Finance at the University of Illinois at Chicago.
Some of the topics that Özgür covered:
Growing up in Turkey and studying Economics and Finance
Relating economic theories to real life and looking for non-obvious contradictions
Islamic Finance and how Islamic banks make money
Risk sharing and trying to eliminate moral hazards
The passion for teaching undergraduate students Finance
The importance and difficulty of curating the overwhelming amount of information we receive
Gold, cryptocurrency, and regulations
Other titles we considered for this episode:
Teaching Finance Is Very Rewarding, It’s So Dynamic and Applicable
If I Get a Gain, I Should Provide a Gain as Well
This Generation Is So Open to Alternatives
Their Lives Are Changing in a Very Fast Pace
Two Sides Have to Be Fair
Another episode, another panda...The Wolfcast was joined by Struan Todd, a co-Founder of Pandamatics. Pandamatics is Asia's first and only pure cyber insurance coverholder.
Some of the topics that Struan discussed:
Getting into the risk insurance market and learning from Lloyds in London
Exploring the world and getting a wider world-view because of his career in insurance
Becoming an accidental entrepreneur
How hybrid working improves the working environment
The challenges of building algorithmic risk assessment
The extent to which COVID raised the demand and awareness for cybersecurity and its insurance
Other titles we considered for this episode:
Attacking From Completely Covert Situations
Driving the Overall Standard
The Cyber Risk Is There
Why Not Take the Risk?
Expecting Someone to Come and Pick Up the Bill
This episode was produced by Isabelle Goh.
The Wolfcast was joined by Frederic Stallaert, a co-Founder of Paperbox.ai. Paperbox employs artificial intelligence to automate the processing of emails and documents from physical and digital mailboxes.
Some of the topics that Frederic covered:
His passion for AI
Writing a Master’s thesis on Machine Learning
Risk taking in general
Building Paperbox.ai
The importance of partnerships
Making technology accessible and affordable to create more impact
Branding and marketing saliency
Paperbox’s vision for the future
Some of the other titles we considered for this episode:
The Unicorn Capital of Belgium
How Software Does Cognitive Learning
If That Is What Working Looks Like, That Is What I Want to Do
Values and Passion
We Are Technologists by Nature
Accessibility Leads to Impact
The Wolfcast was joined by Chris Kaye, a co-Founder and the CEO of Sherpa Insurance. Sherpa Insurance closes the advice gap in insurance by putting a full coverage, digital adviser, in the palm of your customers’ hands.
Some of the topics that Chris covered:
The factors that encouraged him to found Sherpa in 2016
How moving around affected him as a person
Social importance and responsibility in insurance
Creating customer engagement
The Sherpa Score
Sherpa 1.0 was selling insurance, Sherpa 2.0 selling technology to insurance companies
Other titles we considered for this episode:
It Ended Up Not Being a Choice
It’s Almost Like We Designed It to Be Opaque
It Doesn’t Feel Like a Human-Centric Transaction Anymore
Insurance Is for the Things You Can't Afford
Insurance Allows You to Live Life
The Wolfcast was honored to talk to Marc Hauser, the Head of F10 Europe. F10 is a global innovation ecosystem that believes the fastest route to innovation lies in early collaboration between startups, incumbents and investors. Each stakeholder benefits from shared skills, experience and insight.
Some of the topics that Marc discussed:
The early days of working with startups in Switzerland
Starting out in consulting
Founding his first startup in 2011 and why he did it
Returning to the corporate world
How the startup scene has changed and why startups are important
How moving between startups and corporates help him understand what makes a startup successful
Getting companies to move faster
Risk assessment and risk management
Helping people understand exponential growth
How corporates work with startups
Other titles we considered for this episode:
It Didn't Scare Me Enough at That Point in Time
I Just Loved the Energy Surrounding Startups
I Will Regret It If I Don't Try It
You Know From the Get Go That the Odds Are Against You
We Help the Elephants Dance With the Mouse
This episode was produced by Isabelle Goh.
The Wolfcast enjoyed our conversation with Gene Yu, the Founder and CEO of BlackPanda. BlackPanda's origin story alone is inspiring and the rest of our conversation with Gene was amazing as well.
Some of the topics we covered included:
Getting into the United States Military Academy at West Point and studying Computer Science
Going to war in the Army Special Forces for almost a decade after graduation
His career prior to starting BlackPanda
Being Asia's first cybersecurity InsurTech underwriter
Cybersecurity risk and disintermediation scale well as there are no proximity limitations
Gaming and crypto being one of the highest risk sectors
The importance of data and data analysis
Pricing cyber risk and calculating payouts
Measuring data in real-time
Infinite possibilities lead to infinite risks
Insurance in the metaverse and the future of cybersecurity
Some other titles we considered:
We're Basically Cyber-Firefighting
I See Security Differently
Cybersecurity is NOT an IT Problem, It Is a Security Problem
Security Advice Is Very Subjective
It's a Different Terrain, but the Same Bad Guy
Everybody Is at Risk
The audio on this episode was expertly produced by Isabelle Goh.
The Wolfcast had an awesome face-to-face conversation with Rie Aleksandra Walle, Founder at No Ties Consulting, about GDPR, (e)Privacy and Data Protection. Suffice it to say, we were fascinated and learned a lot in the process.
Some of the topics we covered:
Living and working in the Middle East
Risk aversion and starting one's own company
Truly excited about privacy and data protection
Helping business owners with the structure, systems, and automation to run more profitable businesses
Being compliant where it really matters
Data inventory is key to data security
Setting up procedures so that security remains after consultation ends
Building a global clientele
The importance of involving all stakeholders
Some other titles we considered for this episode:
It Just Got So Exciting
Every Risk You Take Makes It Easier
Consulting Without a Tie
Finding Easter Eggs Through Data Protection
Don't Tell People to Chase Their Passions
The audio on this episode was expertly produced by Isabelle Goh.
The Wolfcast was joined by Manoj Gopalkrishnan, a self-declared molecule whisperer and the Founder and Chief Executive Officer of Algorithmic Biologics. Algorithmic Biologics is increasing efficiencies in reading molecular information using its patented software, Tapestry.
Some of the topics Manoj discussed included:
The difference between living and non-living systems
DNA and the instructions it contains for cell behavior
Three particularly noteworthy dates in the development of biotechnology
The coming together of mechanical engineering and chemistry
James Clerk Maxwell's Demon - You won't click the link, but you really should
In the long-term, we should be trying to build systems as sophisticated as cells
Building a universal molecule assembler
Laying his bets on a bottom-up approach
Some Algorithmic Biologics products that are already in the market
Some other titles we considered for this episode:
A Cell Is a Bag of Molecules
We Draw This Line Between Living and non-Living Systems
How Does a Seed Grow Into a Tree?
We Are Asking Questions of Soup
I Believe It Will Be a Long Journey
Whenever Computer Science Gets Involved, You Start to See Exponentials
I Take Inspiration from Biology
It’s Way Beyond What Birds Can Do
The Wolfcast quite enjoyed having Emine Gökce Phillips, Ph.D. on the show. Gökce is the CEO and co-Founder of CryptoIndexSeries, which provides data, analytics, and trading tools for the global crypto and digital asset markets.
Some of the topics Gökce covered:
Having many places to call home
Moving from a typical corporate job into crypto
One of her relatives selling his apartment and investing in crypto
The significance of PayPal facilitating payments via crypto in October 2020
Institutional requirements to invest in crypto and building a suite of tools to enable that
How decentralization creates accessibility
The creation of new economic models like GameFi in the metaverse
Institutional asset managers expect to increase crypto allocations
Will existing payment gateways be useful or even necessary?
Some of the other titles we considered for this episode:
When We Became Parents We Became Entrepreneurs
Anyone Can Retrieve Data from a Crypto Exchange
What Happened In October 2020?
The Wolfcast was fascinated talking to Ines Cheaib, the COO at Gaia. Gaia is a new way to pay for IVF..."Monthly if you have a baby. A fraction of the cost if you don't." We initially heard about Gaia from Dr. Hayley Maynard and George Beattie, the co-Chairs of Llyod's Product Launchpad. We only heard a little at first, but we knew we wanted to learn more...
Some of the things Ines covered:
Born and raised in France
Studying engineering at school while developing a good idea about tech
Delving into e-commerce and venture capital before moving into more operational roles
Feeling at home as a business operator, but comfortable switching disciplines
The challenges of building a company from scratch
The Gaia origin story and Nader AlSalim's personal experience
Using data to minimize risk in the fertility space
Being a wild-card in the Lloyd's Product Launchpad
The complexities around building an insurance product
Considering the members' physical, financial, and emotional needs
Normalizing the conversation around infertility and conception
How most people only look for a way to conceive when they actually decide to have a baby
The expected joy of the first few pregnancies of Gaia's members
Other titles we considered for this episode:
Everybody Wants a Family
Preventing the Car Crash Before It Happens
Bringing Complex Statistics to the Layman
Facing the Uncertainty of Conception
Solving a Bigger Problem
The audio on this episode was expertly produced by Isabelle Goh.
We were very excited to be joined by Adi Kaimowitz, the Group CEO of Virtual Actuary, a firm of highly experienced actuaries ready to work alongside your existing team. Virtual Actuaries combine statistical, mathematical, and financial techniques within a business framework, utilising technology platforms and advanced analytics to deliver the most pre-emptive, precise, and practical solutions.
Some of the topics Adi and I covered:
Being born and raised in South Africa and not seeing much more of the continent
How he spent his 20s trying to prove himself
Hustling has become part of his DNA
How he built a recruiting business for actuaries
Starting and building Virtual Actuary
Finding out what startup incubators were all about
Why 'connected consortiums' are the future of most industries (Are these DAOs?)
How the disruption is in the business model itself
How Virtual Actuary plugged into the global village
The most important thing is to just "Do"
Other titles we considered for this episode:
I Wasn't Born With a Trust Fund
Now I Own the Building
If You Are Going to Give Us Money, What Would You Want Us to Do?
Where's Your Exponential Technology?
It Was Always Part of the Plan
We’re Talking about a More Immersive Experience
You Can Be Connected from Anywhere
Now Anybody Can Participate Digitally In Any Business
The Mega-Gig Economy
If You’re Not Doing, You’re Doing Too Much Thinking
I knew when we were preparing that this episode was going to be great...and the recording did not let us down. When one is lucky enough to have Dr. Hayley Maynard, Strategy at Chaucer Syndicates, and George Beattie, the Head of Incubation Underwriting at Beazley & Co. together on a show, the only result could be magic...even if they are decidedly not wizards.
There was so much ground to cover, that we went as far back as The Code of Hammurabi.
Some of the other topics we covered:
The foundation and the Legend of Lloyd's
Insurance subscription
The caliber of the underwriters in the Lloyd's Market
The rollout of Lloyd's Product Launchpad
Conference-level chat that never really changes
Risk transfer versus risk management
Gaia - a new way to pay for IVF
Spending time solving problems that don't really matter
Building products with your customers
The buyer urgency created by specific problems
Innovation and controlled experiments
Connecting the Launchpad to the Lab
A shout-out to Tom Hoad - OIF
Some of the other titles we considered for this episode:
It Started Out as a Coffee Shop
Coming Up With Solutions for Complex Risk
It’s a Very Positive but Properly Cynical Environment
We Triage Quickly
George Brings the Brains, I Bring the Jokes
This Is a Voluntary Democracy
Innovation Isn’t Just About Products
The Wolfcast had the pleasure of talking to Peter Clarke, the Founder and Managing Director of InsurerCore. InsurerCore helps insurance professionals identify new contacts, find current connections in the market, and stay up-to-date with industry information.
Some of the topics that Peter covered included:
Coming from a traditional insurance family
Working at his father's MGA during the summers as the Chief Scanning Officer
Early examples of digital implementations in the insurance space
How MGAs are different
Implementing technology is good, getting people to use it is better
The significance of the 'London Market'
Noticing inefficiencies and his journey into entrepreneurship
Democratizing access to the 'London Market'
Dave, Dan and, Don
Minecraft and collaborating online
Building partnerships and getting the first groups onto InsurerCore
The Bible of Insurance
Building APIs to connect to pricing platforms
The impact of COVID on InsurerCore's growth
The Wolfcast really enjoyed the company of Dr. Renu Ann Joseph, the Founder, and CEO at Luminant Analytics and the Head of Virtido Center for Data Science & AI. Luminant was founded to challenge the way insurance pricing is done and enable insurers to adopt a new approach to that pricing. Virtido makes Data Science accessible and actionable for industries not traditionally driven by data.
Some of the topics that Renu and I discussed:
At 12 years old thought she wanted to be an archaeologist but figured there was not much money in it
Determined at 14 years old that she wanted to be an economist
followed the dream to become an economist and focused her Master's Degree studies on Developmental Economics
Studied for her Ph.D. under Dr. Frank J. Chaloupka
Did her post-doctoral studies with The Gates Foundation in Toronto
Switching gears and working for Moody's in West Chester, PA
Moving to Zurich, Switzerland, and taking a cool job at a re-insurer
The launching of Luminant Analytics
The siloing of data in insurance companies
The significance of step changes for startups
Starting her second venture - Virtido Center for Data Science & AI
Other titles we considered for this episode:
The Use of Tobacco In Poorer Countries Is Nuanced
The Academics Are Very Grumpy :-)
I Always Need To Know a Little Bit More
Data In Insurers are Siloed to Heaven and Back
That Process Is Very Painful
Making Someone Pay for What You Produce Is Hard
Analytics Is Real Behavioral Change Within an Organization
The Wolfcast had the pleasure of speaking with Rahul Makhija, a co-Founder (with his brother!) and the CTO of Esto Internet, one of the premier ISPs in India.
Some of the topics Rahul and I discussed:
Did 2020 really happen?
His family was from Panipat
The challenges of operating and growing an ISP during COVID
The increase in internet usage due to the pandemic
Got his first job because he wanted a smartphone
How he was one of those kids that took apart all of the electronics in his house
Self-taught web application and network engineer
The non-triviality of networking computers
Learning and implementing that learning
Starting Esto with fixed wireless internet and the progression of machinery
Licensing and regulations surrounding ISPs in India
Service outages and how they get handled
BBNL and wiring the villages
Some of the other titles we considered for this episode:
You Can Buy It When You Start Earning for Yourself
I Am Going to Work Today
If You Are Not Doing, You Are Dying
Esben Nielsen, a co-Founder, and the CPO, and Simon Bentholm, A Digital Strategy Executive at Penni.io were pretty awesome guests of The Wolfcast. Penni.io's vision is to fundamentally change the way people engage with insurance.
Some of the topics that we covered included:
Employing technology to solve business problems in complex environments
Applying behavioral science to the insurance industry
The brain has the tendency to translate an easy decision as a good decision
Gift cards as decision tools
The importance of 'relevance'
Understanding risk perception is important for contextualization
Three ways of doing embedded insurance
Embedded insurance is the hottest topic ever
Quoting questions and binding questions
Other titles we considered for this episode:
I Had Loads of Hypotheses Going In
The Red Cross in the Corner of the Browser Was the Biggest Competitor
Nobody Wakes up in the Morning Thinking About Insurance
The Numbers Don't Lie
I Am Going to Do the Other Thing
The Best Decision Is the Easiest Decision
Rene Papesch and I got back together to discuss some recent news in the connectivity and technology resilience space.
We discussed:
Google's Cloud Outage (https://bit.ly/3xhw1ZJ)
Tesla's Owners Can Not Open Their Car Doors (https://bit.ly/3DNduH0)
A Mouse Crated an Internet Outage (https://bit.ly/3nHrahh)
Sharks (https://bit.ly/3p0dxt8)
It is not often one gets to record with the Head of Lloyd's Lab and a premier blockchain startup that is going through the Lab's program, but that is exactly what we did on this episode of The Wolfcast. We were graced with the presence of Natalie Hall, the Director of Marketing, EMEA, and APAC at Merkle Science and Ed Gaze, the Head of Lloyd's Lab. Suffice it to say that the discussion was active and fascinating.
Some of the topics we covered included:
Ed's original visit to the Lloyd's Building
What Lloyd's Lab is and what it strives to accomplish
L Marks' collaboration with Lloyd's Lab
The impetus for introducing blockchain companies into Lloyd's Lab now
The use of smart contracts to facilitate syndication
How productive it has been for Merkle Science to be in the program
The anatomy of crypto risk
KYBB - Know Your Blockchain Business
Some innovative ways to incorporate Merkle's blockchain expertise into the insurance value chain
Other titles we considered for this episode:
Ultimately, This Comes Down to Building Relationships
Insurance Just Covers So Many Things
Driven By What the Market Wants
More Accessible, More Transparent and Fair Financial System
Getting that Supercharged Insight Has Been So Helpful
It Should Come With a Cape
What Does 'Good' look Like?























