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Björn Münstermann

Senior PartnerMunich

Is coleader of McKinsey's global work in insurance operations and technology, leads our public sector work in Germany and Austria and is a core member of the McKinsey Digital leadership team

Björn is coleader of our global insurance operations and technology activities and a core member of the McKinsey Digital leadership team. He is also leader of our public sector in Germany and Austria. He has advised clients across Europe and beyond for almost 20 years with a focus on insurance, medtech, and the public sector. He co-founded Ignite (previously known as Digital 20/20), which provides data-driven insights for digital, analytics, and technology transformations. Björn is also the European digital and analytics recruiting lead for McKinsey. 

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 received a diploma degree in mathematics and computer science from the Albert-Ludwig-University in Freiburg. Björn took a leave of absence to write his doctoral thesis on "drivers and consequences of business process standardization" at the University of Bamberg. Björn is fluent in German, English, and French.

Published Work

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


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

Diploma, pure mathematics and computer science