Emerging Technology & Innovation at Nationwide
Our team identifies and evaluates transformative technologies for redefining customer experiences, internal operations, and workplace transformation. Rethinking insurance through disruptive technologies, we drive emerging innovations into reality through research, 90-day experiments, and strategic partnerships.
Advanced Computing
Primary: AI Supercomputing, Autonomic Systems, Deep Neural Network ASICs, Edge Computing, Neuromorphic Computing, Photonic Computing, Postquantum Cryptography, Quantum Computing, Quantum Networking
Applications: Edge AI Hardware, Edge GenAI, Mobility Optimization, Key Distribution
Artificial Intelligence
Primary: Simulation, Physical AI & Robotics, TRiSM (Trust, Risk & Security Management), Agentic AI, Artificial General Intelligence, Causal AI, Composite AI, Computer Vision, Emotion AI, Everyday AI, Foundation Models, Generative AI, GraphRAG, Influence AI, Model Fine-tuning, Neuro-Symbolic AI, RAG (Retrieval-Augmented Generation), Spatial Intelligence, Synthetic Data, Text to Knowledge Graph, Transformers, Vision Language Models (VLM), Visual Semantic Search (VSS)
Applications: Risk Assessment Models, Customer Service Chatbots, NLP for Policy Documents, Fraud Detection, Code Assistants, Role-Based Assistants, Multiagent Systems, Virtual Assistants, Augmented Software Engineering, Large Action Models
Automation & Processing
Primary: Robotic Process Automation (RPA), Intelligent Document Processing, Business Process Automation, Hyperautomation, Process Mining, Low-Code/No-Code Platforms, Workflow Orchestration
Applications: Claims Processing Automation, Policy Administration Automation, Document Classification & Extraction, Automated Underwriting Workflows, Invoice Processing
Blockchain
Primary: Decentralized Finance (DeFi), Decentralized Applications (dApps), Decentralized Autonomous Organization (DAO), Decentralized Identity, Smart Contracts, Web3
Applications: Smart Contracts for Claims, Parametric Insurance, Fraud Prevention, Reinsurance Settlements, Decentralized Identity Verification
Cloud & Infrastructure
Primary: Multi-cloud Strategy, Hybrid Cloud, Cloud-native Development, Serverless Computing, API Management, Microservices Architecture, Infrastructure as Code, Container Orchestration, Service Mesh
Applications: Cloud-native Insurance Platforms, API-first Integration, Distributed System Architecture, Cloud Cost Optimization, Multi-region Deployment
Connected World
Primary: 5G/6G Networks, AgTech, Behavioral Analytics, Commercial UAVs, Digital Twins, Digital Wellness Platforms, Embedded Insurance, IoT, Lone Worker Protection, Machine Customers, Precision Agriculture, Quantum Sensors, Smart Factory, Smart Home, Smart Spaces, Telematics, V2X (Vehicle-to-Everything), Wearables
Applications: Usage-Based Insurance (UBI), Connected Vehicles, Weather/Environmental Sensors, Smart Cities, Fleet Management, Crop Insurance Analytics
Cybersecurity & Risk
Primary: Zero Trust Architecture, Threat Intelligence, Security AI, Identity & Access Management, Data Loss Prevention, Security Orchestration, Automated Response (SOAR), Extended Detection & Response (XDR), Behavioral Biometrics
Applications: Cyber Insurance Risk Assessment, Claims Fraud Detection, Breach Detection & Response, Third-Party Risk Management, Compliance Monitoring, Security Posture Assessment
Data & Analytics
Primary: Data Fabric, Data Mesh, Data Governance, DataOps, Exploratory Data Analysis, Real-time Analytics, Predictive Analytics, Customer Data Platforms, Master Data Management, Data Observability, Graph Analytics, Streaming Analytics
Applications: Customer Lifetime Value Modeling, Loss Prediction, Portfolio Analytics, Risk Scoring, Customer Segmentation
Immersive Experiences
Primary: AI Avatar of Employees, Augmented Reality, Bidirectional Brain-Machine Interface, Conversational User Interfaces, Extended Reality (XR), Immersive Experience, Metaverse, Mixed Reality, Multimodal UIs, Panoptic Personalization, Spatial Computing, Superapps, Virtual Reality
Applications: AR for Insurance, Immersive Meetings, Virtual Property Tours, 3D Claims Documentation, 3D Digital Twins & Analysis
Technologies: Gaussian Splatting, fVDB, 3DGRUT, COLMAP SfM, Neural Radiance Fields (NeRF), Photogrammetry, Point Cloud Processing, Real-time 3D Capture
Regulatory & Compliance
Primary: RegTech, InsurTech Compliance, Automated Reporting, KYC/AML Technologies, Audit Trail Automation, Compliance Analytics, Regulatory Change Management, Privacy Management Platforms
Applications: Real-time Compliance Monitoring, Policy Compliance Verification, Consumer Privacy Management, Regulatory Sandbox Testing
Robotics & Simulation
Primary: Humanoid Robots, Autonomous Mobile Robots (AMR), Collaborative Robots (Cobots), Quadrupeds, Drones/UAVs, Soft Robotics, Swarm Robotics, Robot Operating System (ROS), Embodied AI, Sim-to-Real Transfer, Digital Twins
Applications: Robotic Claims Inspectors, Autonomous Drones for Property Assessment, Warehouse Automation, Disaster Response Robots, Physical Inspection Automation, Security Patrol Robots
Technologies: Omniverse, Isaac Sim, Isaac Lab, LiDAR, Computer Vision, SLAM, Gaussian Splatting, fVDB, 3DGRUT, COLMAP SfM, NeRF, Depth Sensors, Tactile Sensing, Force Feedback
Sustainability & Green Tech
Primary: Green IT, Carbon Analytics, Energy-Efficient Computing, Sustainable Data Centers, Circular Economy Technologies, Climate Risk Modeling, Environmental Monitoring, ESG Analytics
Applications: Climate Risk Assessment, Carbon Footprint Tracking, Sustainable Claims Processing, Green Insurance Products, ESG Reporting Automation, Renewable Energy Integration
Workplace Transformation
Primary: Augmented Connected Workforce, Digital Adoption Platforms, Digital Experience Platforms, Virtually Facilitated Social Connections, Workforce Analytics, Workforce Nudgetech, Workplace Experience Apps, Workstyle Analytics
Applications: Collaboration Platforms, Agent Performance Analytics, Remote Work Technologies, Contact Center AI, Knowledge Management Systems