Earnix Eˣcelerate 2025

Tim Harford reminds us that innovation is a system, not a gadget. Breakthroughs pay off only when the surrounding parts click into place: printing needed cheap paper and literate readers; shipping containers needed ports, cranes, contracts, and logistics talent; electricity reshaped factories only after workflows, buildings, and training were redesigned.

Momentum Insure’s perspective is shaped by South Africa’s under-insured landscape, where affordability—not apathy—keeps many outside the safety net. Adriaan Saaiman starts from first principles and rebuilds from the ground up. That mindset guided their move to modern platforms and pricing.

Christophe Bourguignat and Nicolas Leclercq describe how Matmut is rebuilding home insurance by putting data and customer conversations at the center. Earnix powers the pricing engine and technical rate calculation, drawing on third-party property data that links each address to building attributes, risk scores, and exposure.

Stanislas Roth begins with the EV buyer’s worry: how long will the battery last? Stellantis answers with an extended warranty grounded in data, not guesswork. Weekly telemetry from tens of thousands of vehicles feeds lifetime models of State of Health that account for mileage, fast‑charging habits, climate, and chemistry.

Erez Barak describes a future in which humans and AI agents work side by side. Reasoning models operate within governed scaffolding—clear goals, approved tools, business context, and human oversight—so teams can co-build assets, visualize live signals, and automate recommendations responsibly.