Hiroko Washiyama

Critic
DISC Type : C

Insurance Innovation & AI Strategy Researcher at Self-employed

Germany

Overview

Hiroko is an independent researcher specializing in GenAI and digital finance within the insurance sector. Drawing on 14+ years at Nomura Research Institute (NRI), she analyzes the differing adoption strategies and regulatory landscapes between Japan and the EU from her base in Frankfurt. She is a Certified Expert in Digital Finance.

She offers unique insights into how Japans insurers focus GenAI on sales and claims for efficiency, while European firms prioritize mature governance as a competitive edge.

Personality Overview

Precise

ROI Driven

Negotiator

It is very likely that they will negotiate pricing or other important terms.  They prefer to analyze logically and value objective facts over emotions. Unless the value is proven by data, they are unlikely to value fancy features.

Topics They Care About

GenAI in Insurance
Analyzes GenAI use cases in underwriting, claims, and sales, highlighting the different adoption patterns between Japanese Life and P&C insurers.
AI Governance
Focuses on governance maturity as a key differentiator, exploring the implications of the EU's AI Act and DORA for the insurance industry.
JP-EU Tech Insights
Specializes in comparing the digital finance and AI adoption strategies, regulatory hurdles, and organizational bottlenecks between Japan and the European Union.

Media Appearances

Hiroko has no verified media appearances

Work History

8-2025
Insurance Innovation & AI Strategy Researcher at Self-employed
4-2022 - 7-2025
Expert Consultant at NRI (Nomura Research Institute)
4-2014 - 3-2022
Senior Associate at NRI (Nomura Research Institute)
4-2011 - 3-2014
Assistant at NRI (Nomura Research Institute)
4-2019 - 11-2021
Assistant Manager at Nippon Life Insurance Company/日本生命保険相互会社

Education

Certified Expert in Digital Finance from Frankfurt School of Finance & Management
2009 - 2011
国際情報通信 from 早稲田大学大学院

More Information

Social Presence :

Prographics :

Exp : 10 Location : Germany Job Level : N/A Designation : Insurance Innovation & AI Strategy Researcher at Self-employed
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Insights For Selling To Hiroko

During A Call Or A Meeting

DO's

  • Keep some extra margin while sharing pricing, they are likely to negotiate later
  • Be formal and objective, they will appreciate it more
  • If you can, show them industry reports or analyst comments instead of sharing anecdotal stories

DONT's

  • Don’t try to give too many examples of other users, they like to make their own decisions
  • Do not use very emotional or colorful language
  • Avoid pushing them too much to involve other stakeholders unless it is critical

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Hiroko is

  • Proof of ROI, low pricing and objective proof points are the important factors for them.
  • Will you ever get a clear answer from Hiroko

  • They do not mind saying no if they believe that it is the right decision.

Insights For Deal Planning

    How fast (or slow) will Hiroko move?

  • Their decision-making is neither very fast nor very slow, they are somewhere in between.
  • Can Hiroko take some risk or not?

  • They can take risks if their analysis shows that it would be worth it.

You And Hiroko

Personality Compatibility


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