Category: 3. Business

Chubb Studio’s new AI capability personalizes insurance offers, boosting digital partner revenue and data-driven insights

NEW YORK, Nov. 12, 2025 /PRNewswire/ — Chubb, a world leader in insurance, debuted today a new AI-powered optimization engine within Chubb Studio, its global technology platform for embedded insurance distribution partnerships, at the Singapore Fintech Festival. The new capability uses proprietary AI to analyze data and deliver personalized insurance offerings at the point of sale, making it one of the first solutions of its kind available to digital distribution partners in the insurance industry.

The optimization engine will enable Chubb’s partners to increase customer engagement and build stronger brand loyalty with measurable growth by aligning protection solutions with the unique needs of their customer base. Consumers gain access to simple, highly curated insurance options offered from the platforms and apps that they trust and within everyday digital experiences, providing peace of mind when it matters most.

“The launch of the Chubb Studio optimization engine represents a significant leap forward in how we empower our digital distribution partners to engage their customers, increase conversion and build financial resilience through highly relevant insurance protection,” said Sean Ringsted, Chief Digital Business Officer at Chubb. “By combining data-driven insights with Chubb’s breadth of products and deep industry and regional market expertise, we’re enabling unique insights for our partners, and delivering tailored insurance products and services that drive results.”

Chubb Studio enables digital platforms worldwide to seamlessly integrate insurance products into their customer journeys via APIs and SDKs. The new capability combines data-driven insights, click-to-engage technology and direct marketing strategies. These market-leading tools empower Chubb’s partners to offer the most relevant products — such as phone damage, travel, or hospital cash and life protections — through marketing campaigns based on their specific customer personas.

Key features of Chubb Studio’s AI optimization engine include:

• Personalized Recommendations: Artificial intelligence driven insights identify customer personas and recommend products and engagement channels tailored to individual needs.
• Click-to-Engage Technology:  A frictionless way for customers to instantly engage with a trusted advisor via phone, video or text to learn more about higher-value, complex insurance products.
• Flexible Integration Models: The platform offers three integration options— Chubb managed, partner managed and hybrid —allowing partners to choose the level of control and data sharing that best suit their needs.
• Data-Driven Insights: Performance data is analyzed in real-time, feeding back into the recommendation model to continuously refine and enhance insurance marketing campaigns.

“This latest Chubb Studio innovation underscores our commitment to providing the latest technology to benefit our digital partners and their customers,” Ringsted added. “It’s about delivering customer-first experiences through precision, personalization, and innovation.”

For more information about Chubb Studio, visit studio.chubb.com.

About Chubb
Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb employs approximately 43,000 people worldwide. Additional information can be found at: www.chubb.com.

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Global law firm Squire Patton Boggs announced that it has incorporated and registered a presence in Azerbaijan and imminently will open its 48th office worldwide in Baku, the nation’s capital and commercial center.

“The opening of our Baku office represents an important milestone in our firm’s continued international expansion,” said Chair and Global CEO Mark Ruehlmann. “Azerbaijan is a growing and strategically important market, and our new office will allow us to be even closer to our clients and the opportunities driving investment and development across the region.”

Richard Gibbon, Head of our Azerbaijan practice and Managing Partner of the Baku office, commented: “We are delighted to be establishing a permanent presence in Baku, building on our long-standing and deep relationships with valued clients across sectors of the country’s increasingly diverse economy. Having worked closely with many of these clients for years, we look forward to continuing to support their growth and success from within the country’s vibrant capital.”

“As one of the only international firms with an established presence in Azerbaijan, our first-mover status demonstrates our commitment to the market and gives us an important advantage as we continue our growth trajectory for years to come,” said Steve Mahon, the firm’s Global Managing Partner – Clients and Strategy.

Mahon continued, “Under Rich’s leadership, our growing relationships and workflows are a true team effort involving partners from across our transactional, disputes and policy practices. We are ideally positioned to support clients as they navigate the opportunities emerging from Azerbaijan’s dynamic economy, energy transition, and expanding role in regional and global trade.”

The new office is expected to open in the first quarter of 2026, following the completion of a fit-out of premises in Port Baku Tower 2, located in the city’s central business district and heart of its financial hub.

Nov 12 (Reuters) – U.S. trade tensions have slowed opportunities for business jet deals in China, the president of corporate planemaker Gulfstream Aerospace said, in a rare case of demand softening in an otherwise upbeat global market for private aircraft.

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The U.S. is the world’s largest market for business jets.

Burns said he sees broader global strength, but U.S. trade tensions with Beijing have “definitely slowed a number of opportunities” in China, where the U.S. planemaker has about 150 aircraft flying.

“It’s a good market for us,” Burns said. “But you know, obviously the trade tensions do create some slowdown in that marketplace. So I’m hopeful that there’s something that gets done in the near future.”

Gulfstream is also seeing higher demand from Fortune 500 corporate customers, following quarters of strong results, Burns said. As of November 7, more than 82% of 446 S&P companies beat third-quarter earnings expectations, compared with a long-term average of 67.2%, according to LSEG data.

Burns said Gulfstream expected to grow plane production through 2029, following long-term company plans, assuming demand remains robust and its supply chain has capacity.

“Our plans are to continue to grow,” he said. “The supply chain right now is supporting that ability to grow.”

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LONDON, Nov 12 (Reuters) – Marks & Spencer is revamping its supply chain from “factory to floor”, the retailer’s new fashion boss told Reuters, as it looks to double annual online non-food sales to nearly 3 billion pounds ($4 billion).

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He said M&S had done a good job re-establishing its value, quality and style credentials, with FH&B sales up 9% over three years and market share rising to 10.5% in 2024/25, from 9.1% in 2021/22.

It now needs to focus on becoming a truly omnichannel retailer, said Lyttle, in his first interview since joining M&S.

“So from where we make our goods, to how we flow that all the way into our warehouses, how our warehouses operate, and then how we feed those products out to our customers – whether that’s online, whether that’s in our stores,” he said.

Simplifying and cutting supply chain costs has been a priority for many companies after COVID-19, war in Ukraine, Red Sea shipping disruption and broader global trade upheavals, most recently due to U.S. tariffs.

MORE LONG-TERM PARTNERSHIPS WITH SUPPLIERS

M&S, which mainly sources products from China, Bangladesh, India, Pakistan, Vietnam, Cambodia, Sri Lanka and Turkey, wants to create more long-term partnerships to reduce the risks to supplies.

While progress has been made in recent years through consolidating suppliers, M&S has “much more opportunity to go after through resetting how we buy, unlocking more margin from our scale, increasing cost discipline and reducing complexity,” said Lyttle.

Dominic Younger, fund manager at Columbia Threadneedle Investments, one of M&S’ top 10 investors, said it had made huge and hard-won strides in fixing the FH&B front-end.

“But one of the most exciting aspects from an investment point of view is that, together with continuing to drive the food division, there is so much opportunity out there in terms of modernising the clothing supply chain,” he said.

With a clothing customer base of 21 million, Lyttle said overhauling M&S’ supply chain can double FH&B’s online sales over the long term from about 1.4 billion pounds in 2024/25, while lifting its online operating margin to double digits.

M&S is also aiming to increase online’s share of total FH&B sales from about 34% to 50% in the medium term, said Lyttle, a former Boohoo CEO who was also an executive at Primark.

Next, an early adopter of warehouse and distribution automation, makes about 59% of its UK sales online.

M&S can increase online sales by optimising the breadth and depth of its product range, encouraging more customers to use its more than 1,000 stores for ‘click and collect’ and returns, and utilising more channels such as lockers, Lyttle said.

It will also introduce more payment methods and relaunch its ‘Sparks’ loyalty programme to drive more frequent purchases.

INVESTMENT IN AUTOMATION

Part of M&S’ plan is a 120 million pound three-year investment in automation to increase capacity, reduce complexity and deliver cost savings worth “multi-millions” of pounds.

M&S is spending 600 million to 650 million pounds on capital investment in 2025/26 of which between 200 million and 250 million is being invested in technology infrastructure, store maintenance and upgrades to its logistics fleet.

In its vast Castle Donington warehouse in central England, M&S is investing in robotic technology that will speed up sorting ‘click and collect’ parcels and extend cut-off times for next-day delivery to nearly midnight.

Further investment at the 900,000-square foot site and another in Bradford, northern England, will increase boxed storage capacity by more than 30%.

M&S is also accelerating the implementation of a new planning platform, with a new merchandising capability already delivered, automating what was previously largely a manual task.

Cost savings will not need to come at the expense of the 63,000-strong M&S workforce, Lyttle said, adding: “Growing our business means we’re moving more product, therefore we need more people to help us do that”.

CYBER HACK LESSONS

While the cyber hack, which forced M&S to revert to manual processes, had not changed its strategy or longer-term plans, important lessons had been learned, Lyttle said.

“It’s not just lessons of the actual incident. It’s just general things that we could have done better, or we could have done faster,” he said, without giving away any specifics.

“You don’t want people who impacted us at the beginning to understand in any way,” he added.

($1 = 0.7451 pounds)

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Good afternoon.

There are calls for Labor to force banks to put the brakes on landlord lending after investors accounted for two in every five home loans from July to September.

New ABS data reveals more than 57,000 investors borrowed nearly $40bn to buy homes over the three months, a 17.6% increase in the combined value of the loans on the previous three months. First home buyer numbers rose just 2.3% over the same period.

The Greens senator Barbara Pocock has urged the Australian Prudential Regulation Authority to “urgently rein in” the credit market, and encouraged Jim Chalmers to direct Apra to intervene as house prices surge.

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Pune – November 11 th , 2025: Tech Mahindra (NSE: TECHM), a leading global provider of
technology consulting and digital solutions to enterprises across industries, today announced
a licensing agreement with AT&T for its proprietary Automated Network Testing (ANT) and
Open Tool platforms. These applications deliver an advanced platform designed to transform
network testing and certification across Long Term Evolution (LTE), 5G Non-Standalone
(NSA), and 5G Standalone (SA) domains.

Tech Mahindra will integrate the ANT and Open Tool into its suite of telecommunications
solutions, which will empower Communication Service Providers (CSPs) to conduct network
health checks, connectivity tests, and debugging with unprecedented speed and precision,
ensuring a robust and reliable network for the customers. The ANT platform provides a user-
friendly graphical interface, a robust test execution engine, and an automated backend to
simplify test execution and validation of networks. It acts as an orchestrator, seamlessly
integrating with multiple external industry traffic generation tools.

Manish Mangal, President and Head – Americas Communication Business, Tech
Mahindra, said, “Networks have become the invisible lifeline of our digital society, every
innovation, every human connection, every leap forward depends on them. In an era of
unprecedented technological change, maintaining network reliability requires testing at
equally unprecedented speed and scale. Integrating these AT&T applications enables us to
reimagine network reliability in the AI-native era, providing global telecom operators with a
highly automated solution for end-to-end network testing and certification.”

The licensing agreement represents a significant milestone in an ongoing collaboration
between Tech Mahindra and AT&T, showcasing their shared commitment to innovation in the
telecommunications sector. A key component of this platform is the Open Tool, a versatile
data and voice traffic simulation tool developed by AT&T. This tool is crucial for certifying and validating the functionality and connectivity of the mobile packet core network in both lab and
production environments.

Kelly Marlar, Vice President and Managing Director of AT&T Intellectual Property, LLC,
said, “This licensing agreement highlights AT&T’s dedication to innovation and the value of
our technology development. Licensing relationships like the one with Tech Mahindra
transform our investments into new growth opportunities for AT&T, our licensees, and the
industry. By working closely with trusted third parties, AT&T Intellectual Property helps
accelerate innovation, drive new revenue streams, and bring proven solutions to market
faster. This agreement is a strong example of how our technology licensing program is open
for business, and we look forward to collaborating with more companies to deliver value and
advance the industry together.”

As part of this agreement, Tech Mahindra will now offer this proven solution to wireless
providers in global markets where AT&T does not operate. This license aligns with Tech
Mahindra’s focus on enhancing and scaling customer service for global telecom providers
with advanced telecommunication technologies. With a strong presence in the telecom
industry and over 250 customers across 90 countries, Tech Mahindra is a trusted
transformation partner with leading capabilities in network engineering and simplifying
customer experience.

About Tech Mahindra

Tech Mahindra (NSE: TECHM) offers technology consulting and digital solutions to global enterprises
across industries, enabling transformative scale at unparalleled speed. With 152,000+ professionals
across 90+ countries helping 1100+ clients, Tech Mahindra provides a full spectrum of services
including consulting, information technology, enterprise applications, business process services,
engineering services, network services, customer experience & design, AI & analytics, and cloud &
infrastructure services. It is the first Indian company in the world to have been awarded the
Sustainable Markets Initiative’s Terra Carta Seal, which recognizes global companies that are actively
leading the charge to create a climate and nature-positive future. Tech Mahindra is part of the
Mahindra Group, founded in 1945, one of the largest and most admired multinational federation of
companies. For more information on how TechM can partner with you to meet your Scale at Speed™
imperatives, please visit https://www.techmahindra.com

For more information on Tech Mahindra, please contact:

Abhilasha Gupta, Global Head – Corporate Communications, Tech Mahindra
Email: [email protected] ; [email protected]