In the near future, both residential and commercial units will experience a significant shift from analog or hybrid management methods to a fully digitalized approach. This change promises a more efficient, equitable, and resilient system by focusing on the complete digitalization of one of humanity's most valuable assets: their real estate in terms of horizontal property.

This presents a major opportunity for a sector that leads the real estate market in sales but has yet to reach its full evolutionary potential. Technological innovations promise to improve people's quality of life while reducing environmental impact through the implementation of technological parameters that lower carbon footprints and generate economic savings, thus providing sustainability for all parties involved: from construction companies and banks to insurers and end customers.

Why is this relevant? The integration of artificial intelligence systems allows control over lighting, security, and other aspects of properties through voice commands, something previously seen only in sci-fi shows like The Jetsons. This is impressive, but there's more to be done in the industry. In addition to these functions, technology can ensure significant energy savings by optimizing every electronic device within the infrastructure, from lighting to air conditioning and utilities.

Connecting industries: The fintech industry emerged in the second half of the 1990s, with the goal of revitalizing the financial market, often seen as inefficient, by accelerating processes and increasing fluidity. Later, in 2016, the insurtech industry was born, capturing attention by focusing on modernizing a traditionally slow-to-adopt market.

From this timeline, proptech arose in the UK in 2014, introducing technology into real estate, significantly boosting the global economy by acting as a lever that spans more market segments.

This industry is particularly relevant due to its susceptibility to insurance (insurtech) and its ability to offer financing benefits (fintech). However, it's important to consider that, while technology has limitless reach, land use is constrained by the inability to create more land on our planet.

The premise is complex: if there is no more land available, existing land will continuously increase in value, with an upward trend toward infinity. To achieve this, market positions must be optimal for investments. Therefore, smart property management becomes crucial for industries, as it will generate data, reports, and predictive analyses subtly and efficiently, enhancing use, care, and longevity. This market promises profitability through the efficient use of land and infrastructure, serving as a driver for a more sustainable industry and improved productive development under ESG (environmental, social, and governance) criteria.

Technology will play a pivotal role in reducing carbon footprints, while enabling property owners and insurers to develop products and services that promote environmental sustainability. This will lead to financial savings by reducing energy consumption and extending asset lifespans. In summary, technology will allow for better measurement and management of the triad initiative: Fintech, Proptech, and Insurtech, establishing important milestones in sustainability without compromising lifestyle or economic growth.

The next 10 years will be incredibly interesting for these three industries—three galaxies that will begin to intertwine, creating new means for fairer and less wavering ends in a world where economic growth once meant the depletion of our ecosystems. Yet, it also fostered the digital transformation that will, through technology, drive the evolution towards a more intelligent industry, guaranteed by insurance and financed through energy savings.