What does it really mean to design financial services around human values?

In this episode, hosts Zaliia Gindullina and Natalie Burke sit down with Stefan Moritz, Head of Innovation at Max Matthiessen, keynote speaker, and thought leader in service design, to explore how GenAI is reshaping the foundations of financial services.

Together, they unpack three core themes:

How AI is changing our relationship with time,

What trust truly attaches to in an automated world, and

How institutions must redefine value beyond products and returns.

Stefan also tackles the tension between agency and personalisation, and shares one uncomfortable truth leaders need to accept in 2026.

A thought-provoking conversation for anyone navigating the human side of financial innovation.

In this episode of Kidbrooke Insights, we explore one of the most important shifts happening across the UAE and the wider Middle East: the transition from traditional end-of-service benefits (EOSB) toward modern, long-term group pension and savings solutions.

The UAE region is undergoing a pivotal reform moment. As employers move away from lump-sum gratuity payouts, insurers and financial institutions are now being asked to deliver sustainable, flexible retirement solutions that support long-term financial wellbeing, for both expat and local employees.

To unpack the opportunities and challenges ahead, Natalie Burke is joined by two industry experts:

• Adil Saghir, Head of Savings & Pensions at HAYAH Insurance
• Erik Brodin, Product Expert at Kidbrooke

Together, they break down what’s happening across group pensions in the UAE, from the impact of the EOSB reform to how digital tools and financial wellness initiatives are shaping engagement. They also share real lessons from the field, along with how technology and analytics are helping insurers bring new solutions to market faster.

Whether you're an insurer, group benefits provider, policy maker, or HR leader, this episode offers practical insights into how the UAE’s pension landscape is evolving, and also what will distinguish the market leaders over the next 3–5 years.

Resources & Links:

To learn more about Kidbrooke, visit: https://kidbrooke.com

To learn more about Hayah Insurance, visit: https://hayah.com

Blog references: Life by Kidbrooke: The Employee Benefits Platform for a Post-Gratuity World - Kidbrooke Blog

Research Spotlight: The Digital Future of UAE Group Pensions After the End of Service Gratuity Reform - Kidbrooke Blog

For inquiries: info@kidbrooke.com

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In this episode of Kidbrooke’s Insights Podcast, host Natalie Burke sits down with CEO Fredrik Davéus to explore Kate by Kidbrooke®, a GenAI-powered solution designed to support financial institutions beyond the chatbot hype.

They unpack:

• The story behind Kate and why it was built
• How Kate combines generative AI with deterministic financial models for reliable automation
• Use cases across compliance, client engagement, and advisor efficiency
• What sets Kate apart in transparency, auditability, and back-office transformation
• The realities of AI adoption in finance today, plus what’s on the horizon

Whether you're an innovator, advisor, or tech leader in financial services, this conversation is brimming with insights on the future of AI-powered decision support.

📘 Related case studies discussed/articles:

Beyond Automation: AI in Financial Advice That Works With, Not Instead of, Your Advisors – Kidbrooke

Smarter AI Customer Support for Financial Services – Kidbrooke

Introducing Kate – Intelligent Financial Conversations Powered by KidbrookeONE – Kidbrooke