Conny Kalcher, Group Chief Customer Officer at Zurich Insurance, shares her vision of transforming insurance into the 'Apple of Insurance.' She discusses building emotional connections and the significance of data and empathy in customer loyalty. The conversation highlights the role of AI and ethical practices in enhancing customer experiences while avoiding aggressive sales tactics. Kalcher also differentiates between transformation as a project and evolution as a continuous journey, emphasizing the need for ongoing change to meet modern customer expectations.