GenAI adoption at 61%

Deloitte’s country releases show steep generational gaps: 89% of Generation Z reported GenAI use versus 58% of baby boomers, and Deloitte says daily GenAI use has almost quintupled since 2023. (deloitte.com) Deloitte’s 2025 Connected Consumer survey sampled about 3,500 U.S. consumers in June 2025 to measure digital behaviours. (deloitte.com) The same Deloitte consumer work found 42% of surveyed GenAI users say it has a “very positive” effect on their lives, while other Deloitte reporting cites that 70% of respondents express concerns about data privacy and security when using digital services. (deloitte.com) Deloitte sector research shows insurers moving from pilots to production: 76% of insurance organisations have deployed GenAI capabilities in one or more functions, yet a separate Deloitte survey found just 45% of insurers believe the benefits currently outweigh the risks. (insurtechdigital.com) Regulatory pressure is concrete: the NAIC’s Model Bulletin on the Use of AI by Insurers (adopted December 2023) requires insurers to maintain a documented AIS Program, and industry analyses reported that about 24 states had adopted the bulletin by mid‑2025. (hklaw.com) Regulators are also developing tools and disclosure expectations—NAIC work on an AI systems evaluation tool and state-level discussions about disclosure standards have been reported as ongoing in 2025. (spglobal.com) Consulting and vendor guidance published with Deloitte recommends board‑level oversight, continuous monitoring, independent model audits and stronger vendor management as mechanisms to achieve explainability and auditability in insurer AI deployments. (databricks.com) Deloitte Digital’s insurance guidance links GenAI usage directly to customer journeys, advising insurers to deploy GenAI for personalization and policyholder engagement while embedding transparency and governance so front‑end experiences remain explainable and auditable. (deloittedigital.com)