Hiroko Washiyama in

Hiroko Washiyama

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Insurance Innovation & AI Strategy Researcher at Self-employed
📍 Germany

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.

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Experience
10 Years
Current Role
Insurance Innovation & AI Strategy Researcher
Location
Germany
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Priorities

Topics Hiroko cares 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.
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Career

Work history

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

Media appearances

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

DISC profile (public)

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