Disambiguation · 2026-02-04 · 41 min
What happens when you stop bolting AI onto existing processes and rebuild your entire company as an AI-native stack? Spanish insurtech Tuio went from industry-average 5% profit margins to 15%, with a 40% improvement in marketing conversion.In this episode of Disambiguation, I sit down with Juan Garcia, Co-founder and CEO of Tuio, to explore how his team re-engineered insurance from the ground up. We dig into:-Why vertical AI approaches deliver better results than horizontal tools in regulated industries • The "Customer DNA" concept: collecting hundreds of non-traditional data points to personalize pricing • How behavioral signals (like Apple vs.
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