Teoresi at the Fintech & Insurtech Observatory Conference 2025  

On December 11, we took part in the tenth edition of the Fintech & Insurtech Observatory Conference, the annual event organized by the Fintech & Insurtech Observatory of the Digital Innovation Observatories at Politecnico di Milano. 

The event brought together representatives from the financial sector, institutions, universities, and companies to explore trends, research, and projects that are reshaping the industry. 

Our contribution 

Teoresi participated in the round table “Artificial Intelligence in finance and insurance: many projects, but few real challenges,” moderated by Filippo Renga, Director of the Observatory. 

Fabio Gadda, Strategic Marketing Manager at Teoresi, represented the Group, sharing our experience in applying artificial intelligence to financial and insurance processes. During the discussion, Fabio presented insights drawn from our hands-on projects and from research activities carried out in collaboration with Politecnico di Torino. In particular, he focused on machine learning models for assessing the financial reliability of customers and companies while ensuring transparency through explainability principles, as well as on reinforcement learning techniques applied to portfolio optimization, methods in which algorithms learn through trial and error to identify the most effective and sustainable investment combinations based on risk and return. 

This represents a concrete example of our commitment to combining expertise, research, and advanced technologies to support the sector in risk management, process automation, and the development of reliable predictive models. 

The value of collaboration with the Observatory 

Our partnership with the Observatory and our participation in its annual conference are part of a well-established journey that, for the past three years, has provided a privileged space for dialogue and exchange within the Fintech & Insurtech ecosystem. 

To summarize the key insights from the day, we asked Fabio to share his perspective through three questions: 

1. In the rapidly evolving landscape of AI applied to financial services, what conditions do you believe enable organizations to turn technological potential into real, measurable value? 

To transform AI potential into value, three conditions are essential: high-quality data and solid governance, because even the best model fails without clean and traceable data; clear business objectives, supported by metrics such as default reduction, response time, and capital allocation, to truly measure impact; and integration into processes and accountability – meaning explainable models, robust risk controls, and clear ownership across IT, risk, and business functions, in line with emerging requirements around XAI and AI governance in credit. 

2. The collaboration with Politecnico di Torino was born within an advanced research context. Beyond individual projects, how is this journey expanding Teoresi’s vision and future opportunities in the finance domain? 

The collaboration with the Politecnico enables Teoresi to work on advanced use cases – such as explainable credit risk models or ESG-LDI (Environmental, Social, Governance – Liability-Driven Investment) portfolios using Reinforcement Learning – that would hardly emerge from everyday operational pressures alone. This broadens our perspective across three dimensions: frontier technologies, such as deep Reinforcement Learning, which allows models to learn advanced decision-making strategies from data, and XAI (Explainable Artificial Intelligence), which makes algorithmic decisions transparent and understandable; new risk and capital allocation models; and, above all, a stronger ability to engage in meaningful dialogue with banks, asset managers, and insurance companies on topics that will be central in the coming years, from responsible AI to sustainable finance. 

3. The conference highlighted signals of transformation related to innovation, ecosystems, and new market approaches. Which trajectories do you consider most significant for understanding where the sector is heading in the coming years? 

Several clear trajectories emerged from the conference: AI that is increasingly explainable and regulated, with models required to be not only accurate but also auditable and compliant with new European frameworks; the structural integration of ESG and sustainability, where the question is no longer “if” but “how” sustainability creates long-term value; and the evolution of LDI (Liability-Driven Investment) and risk management toward more dynamic, diversified, and data-driven approaches, leveraging advanced quantitative tools to manage interest rates, spreads, and liabilities with greater precision.