Ecuador’s rapid adoption of mobile wallets like Bimo and DeUna! will drive insurers to embed microinsurance and personal accident coverage into digital payment flows in 2026. These embedded offerings, tied to transactions or account balances, will expand protection for underserved populations. However, regulators will face pressure to adapt consumer protection rules, ensure fair disclosure, and define the roles of fintech platforms in distribution. Legal clarity on licensing, data sharing, and cross-border transactions will be crucial. This convergence of finance and insurance marks a shift toward more inclusive, tech-enabled coverage models.