Strategizing for New Regulation and Generative AI in the Insurance Industry: Transforming Organizations through Socio‐cultural Insights

This paper demonstrates how socio‐culturally grounded consumer insight can be a catalyst for organizational learning and strategic renewal. Through a case study of If Insurance's response to dual disruptions – emerging EU financial data‐sharing regulation (FiDA) and the rise of generative AI – we show how upstream consumer insight challenged the boundaries of compliance‐focused strategy work and revealed tensions among legal, technical, and market‐oriented perspectives. Rather than just offering “more data,” the research enabled cross‐functional integration and reframing of strategic possibilities. From this process, we infer four transferable principles for working across siloed intelligences: adaptive integration, translational insight, constructive tension, and upstream consumer insight. These principles offer a practical framework for organizations seeking to align diverse perspectives and navigate uncertainty in fast‐evolving regulatory and technological landscapes.