On this episode of Scouting For Growth, Sabine VdL sits down with Anna Bojic, Founder & CEO of Miss Moneypenny Technologies, a company on a mission to turn digital wallet apps from static storage into something far more powerful: a dynamic customer engagement channel built on trust, relevance, and timing. If email feels ignored, apps feel heavy, and SMS feels intrusive… Anna’s message is simple: the next high-performing customer experience might already be sitting in your customer’s pocket. From fine arts to fintech-level precision Anna’s background in fine arts shows up in the way she builds. She describes a shared practice with her co-founder: critical refinement — creating boldly, then stripping everything back to what is essential. Not polishing around the edges… but destroying what doesn’t belong. At one point, that meant trashing hundreds of thousands of lines of code once they realised what the real solution needed to be. It’s ruthless clarity — and it’s how meaningful products are made. Digital wallets: the antidote to information overload Anna tackles a problem every customer experiences: information overload. Some information is constant noise… but some information is small, fleeting, and urgently needed only in specific moments. Insurance is the perfect example. You don’t need your policy details every day — but when you do, you really do. The wallet becomes the “home” for that kind of high-stakes, high-value information: accessible in seconds, without stress, without searching, without chaos. Insurers don’t get “family-level trust”… but they can earn reliability Anna makes an important point about customer relationships: insurers can’t communicate the way family and friends do. They don’t have that emotional pull. But they do have something equally valuable to build: trust and reliability. And the digital wallet is designed for exactly that kind of relationship — timely, useful, and grounded in real utility rather than marketing noise. The accident use case: where wallet becomes workflow One of the most compelling examples in the episode is vehicle insurance. Anna describes the old world: after an accident, people scribble details on paper, photograph driving licences (a security risk), and fumble through the process while stressed and overwhelmed. Now imagine this instead: scan a QR code from a digital insurance card instantly receive a digital accident card trigger automated guidance and updates through Wallet Studio keep both parties informed through the claim lifecycle guide the customer directly into the insurer’s workflow (including Zurich processes) The result? A smoother experience, better compliance, less confusion, and substantial cost savings. Why this is happening now Anna highlights a reality every leader should take seriously: consumer expectations have changed dramatically. Five years ago, waiting a week was normal. Now people get nervous by day two. The demand is for immediacy, clarity, and low-friction support — especially in moments of stress. Why this episode matters For insurers and enterprise leaders, this conversation is a wake-up call: Digital transformation doesn’t always mean building another app. Sometimes it means upgrading the channels customers already use. Wallet Studio expands what Apple and Google Wallet can do — and makes it scalable inside large organisations. It turns a “card” into a living experience: interactive, automated, and genuinely helpful. Because in the future, the best customer communication won’t be the loudest. It’ll be the most timely, trusted, and instantly useful.