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Björn Münstermann

Senior PartnerMünchen

Björn Münstermann is leader of McKinsey Technology in Germany, and leads the Healthcare, Public and Social Sector in Europe

For more than 20 years, Björn has helped public-sector institutions and private enterprises to design and implement large-scale technology-driven transformations. His primary focus is on advising public-sector leaders on technology and AI transformations, helping them modernize government operations and shape the digital future of public administration. Björn is dedicated to aligning technology strategy with business objectives and strengthening the firm's capabilities in AI, cybersecurity, and platform modernization.

Within McKinsey Technology, Björn focuses on strengthening the firm’s capabilities in AI, cybersecurity, and platform modernization. He also drives the development of innovative delivery models that link business value with cutting-edge technology. He co-founded Ignite (previously Digital 20/20) and has been instrumental in building and scaling data-driven solutions such as Horizon360 and DTI.

In his client work and leadership roles, Björn is committed to linking technology excellence with public impact—helping governments and companies use digital and AI to increase productivity, resilience, and citizen value.

Examples of Björn’s recent projects include the following:

  • supporting multiple insurance organizations on designing and implementing comprehensive digital transformations
  • designing and implementing global operations and technology next-generation operating models for leading multinational companies
  • supporting multiple multinational insurance companies in multiyear core-system replacements
  • performing multiple international expert roles in the field of operations and technology, core technology performance management, operations, and technology benchmarking

Before joining McKinsey, Björn earned a diploma in mathematics and computer science from the University of Freiburg and later completed his doctoral studies at the University of Bamberg. He regularly co-authors tech-focused publications, e.g. on the future of digital government and AI adoption in Europe.

Published Work

The transformative potential of AI in Romania’s public sector,” McKinsey & Company, September 2025

Unlocking the potential of generative AI: Three key questions for government agencies,” McKinsey & Company, December 2023

Business’s ‘It’s not my problem’ IT problem,” McKinsey & Company, March 2023

Demystifying digital dark matter: A new standard to tame technical debt,” McKinsey & Company, June 2022

Tech-driven insurers: How to thrive in 2030,” McKinsey & Company, August 2021

Scale matters … to an extent: Playing the scale game in insurance,” McKinsey & Company, March 2021

Tech debt: Reclaiming tech equity,” McKinsey & Company, October 2020

The next frontier for sustainable growth: Capturing the cost advantage of direct insurance,” McKinsey & Company, July 2020

Reaching the next normal of insurance core technology,” McKinsey & Company, July 2020

The insurance switch: Technology will reshape operations,” McKinsey & Company, December 2019

IT modernization in insurance: Three paths to transformation,” McKinsey & Company, November 2019

The productivity imperative in insurance,” McKinsey & Company, August 2019

Digital ecosystems for insurers: Opportunities through the Internet of Things,” McKinsey & Company, February 2019

Evolving insurance cost structures,” McKinsey & Company, April 2018

A ‘nudge’ for the better in assistance claims journeys,” McKinsey & Company, July 2017

Insurtech—the threat that inspires,” McKinsey & Company, March 2017

The promise of blockchain,” McKinsey & Company, March 2017

Partnerships, scale, and speed: The hallmarks of a successful IoT strategy,” McKinsey & Company, March 2017

Modernizing IT for a strategic role,” McKinsey & Company, March 2017

Taking courageous action on cost in life insurance,” McKinsey & Company, August 2016

Shifting gears: Insurers adjust for connected-car ecosystems,” McKinsey & Company, May 2016

Education

University of Bamberg
PhD, drivers and consequences of business process standardization

Albert-Ludwig-University
Diploma, pure mathematics and computer science