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In today’s fast-evolving marketplace, innovation has become the defining edge between companies that merely survive and those that truly lead. Since its founding in 2022, London-based Capitawise Ltd has emerged as one of the latter—reshaping how insurers harness data and technology to make smarter, faster, and more confident decisions. At the helm is Akanksha Rais, Founder and CEO, whose vision has turned a deep-seated industry pain point into a groundbreaking platform that’s changing the very fabric of financial oversight in insurance.
The seeds of Capitawise were sown from frustration. From experience of working with insurers, Akanksha and her team had long experienced the inefficiencies of traditional financial reporting. In an industry where billions hinge on timely, accurate decisions, data often arrives fragmented, delayed, or disconnected from the true financial picture.
Despite advanced analytics tools, decision-makers rarely enjoyed a single, trustworthy view of their financial health. The result: prolonged decision cycles, silos between actuarial teams and executives, and costly inefficiencies.
Capitawise was built to change that. Its AI-driven financial intelligence platform, designed exclusively for insurers and captives, acts as a strategic command center, offering dynamic, hourly updates on capital models, claims, policies, and reinsurance structures. Unlike generic dashboards or BI tools, Capitawise delivers actionable financial insights that executives can rely on, empowering them to lead with clarity and confidence.
“Our vision was simple: empower insurers with timely, reliable intelligence that drives real results,” Akanksha explains. “When decisions are backed by data you can trust, you change not just outcomes but entire organisational mindsets.”
From day one, Capitawise embedded innovation into its DNA. Every feature stems from a core belief that technology must translate into measurable business value.
“For us, innovation isn’t novelty for novelty’s sake,” says Colin Bullen, Senior Actuarial Advisor at Capitawise. “It’s about enabling CFOs, CROs, and actuaries to make faster, smarter, and more confident decisions.”
This ethos drives the company’s iterative development process, built around close collaboration with users. A team of domain experts, deeply experienced in actuarial science, capital modelling, and insurance operations, work hand-in-hand with clients to ensure every update solves a tangible business challenge.
A major milestone this year has been the modernisation of actuarial workflows. For decades, actuaries have relied on Excel-based models—manually inputting and aggregating data to produce projections for pricing, reserving, and claims. These processes were not only slow and error-prone but also disconnected from underwriting, pricing, and claims teams, creating operational bottlenecks.
Capitawise has replaced these outdated methods with an integrated, automated ecosystem. Its platform supports plug-and-play analysis of decades of historical data, 10+ years for property and casualty (P&C) insurance and over 50+ years for life insurance—while enabling real-time “what-if” scenario testing. Actuarial insights are now directly accessible to underwriting and claims teams, eradicating silos and accelerating decision-making across functions.
Perhaps most revolutionary is Capitawise’s ability to interrogate data using Gen AI component that has been purpose trained with insurance data. Capitawise is also operationalising advanced actuarial methodologies once confined to academic research, bringing cutting-edge theory into practice at scale for the first time.
“This isn’t just a process upgrade,” Bullen notes. “It’s a market-wide shift in how actuarial science informs decision-making.”
Capitawise’s philosophy of co-creation with customers has led to some of its most pioneering features. Take its GenAI-powered data interrogation tool—developed in direct response to the Group CFO of a leading insurer, who wanted an intuitive, secure way to query complex financial data without technical support.
“We designed it with robust security and governance guardrails,” Rais explains. “Today, it’s one of our most valued features—offering instant access to insights once buried in complex models.”
This responsiveness underscores Capitawise’s belief that innovation must solve real-world problems and generate measurable impact. Every enhancement is tested against one question: Does this make our users’ jobs easier, faster, and more accurate?
Capitawise understands that innovation rarely happens in isolation. The company has forged alliances with leading U.S.-based captive and life insurers to co-develop specialised features for actuarial modelling and capital forecasting.
Further strengthening its ecosystem, Capitawise counts the Chief Risk Officer of a major commercial insurer among its strategic advisors. Their ongoing guidance ensures the platform remains aligned with the complex regulatory and operational realities of modern insurance.
“These partnerships validate our roadmap,” Rais explains. “They accelerate our ability to deliver solutions that fit seamlessly into insurers’ workflows while meeting the highest standards of rigor and compliance.”
For Capitawise, innovation must drive tangible business value. Full platform adoption can deliver annual savings of over $30–50 million per insurer, largely through automation, time savings, and improved efficiency.
But cost reduction is only part of the story. Capitawise also tracks:
“The real win,” Rais explains, “is enabling insurers to unlock value that was previously hidden—empowering them to operate with agility, efficiency, and confidence.”
Introducing innovation to a conservative industry like insurance hasn’t been without challenges. One of the toughest hurdles has been breaking ingrained reliance on legacy tools like Excel. Convincing actuaries and analysts to adopt a modern, integrated platform required persistent education, training, and clear demonstrations of value.
AI adoption posed another challenge. “There’s natural caution around AI in financial decision-making,” Rais acknowledges. Capitawise addressed this by ensuring transparency, explainability, and human accountability in every AI-driven insight. “Our goal has always been to support human decision-makers, not replace them,” she emphasizes.
These efforts have gradually shifted mindsets, earning trust among even the most change-averse stakeholders.
As Capitawise looks to 2026 and beyond, its leadership is especially excited about Generative AI (GenAI). The company is developing advanced GenAI capabilities that enable insurers to query data, generate forecasts, and derive actionable insights in real time—deeply integrated with capital models, reinsurance structures, and operational data.
Embedding AI into such a regulated domain has required meticulous attention to data security, governance, and compliance. “We’re proud to be the first in the industry to bring GenAI into the core of financial modelling,” Rais shares. “It’s a leap forward in how insurers interact with their most valuable asset: data.”
Rais believes the key to meaningful innovation lies in balancing boldness with responsibility.
“Innovation must be pursued courageously, but with deep respect for the trust users place in your platform,” she advises. “Ethics, transparency, and accountability should form the foundation of every solution.”
To fellow innovators, her advice is clear: Don’t just aim to be first—aim to be right for the market. When technology addresses real problems while upholding trust, it can become truly transformative.
In just a few years, Capitawise has grown from a promising start-up into a trailblazer reshaping the insurance industry. By challenging entrenched norms and reimagining actuarial science for the digital age, the company is enabling insurers to make faster, smarter, and more confident decisions.
With its AI-powered, customer-driven platform, Capitawise stands at the forefront of innovation—poised to lead the industry into a future where data drives not just decisions, but enduring trust and sustainable growth.
