Philippe Maso

CEO

Ornikar

About Me

Philippe Maso y Guell Rivet is a seasoned executive with over two decades of leadership in major insurance groups, having served as CEO of AXA Insurance UK, Aviva France, and MMA, as well as senior advisor to McKinsey’s European insurance practice. His deep expertise spans strategy, M&A, and operational transformation in complex, regulated environments. Since 2023, he has been the CEO of Ornikar, one of France’s leading mobility and insurance scale-ups. Philippe is driving the company’s rapid expansion beyond online driver education into digital insurance and mobility services tailored to younger generations. His mission: to blend corporate rigor with start-up energy to reshape access to insurance and mobility across Europe.

Hear My Insights

Navigating Growth in a Shifting Investment Landscape

From the post-pandemic highs to a global cooldown driven by rising interest rates and cautious investors, the startup funding landscape has been a rollercoaster. While past strategies may no longer hold value, a few key trends are emerging, reshaping the investment environment: a heightened focus on capital efficiency, earlier profitability, and sustainable scalability. What will 2025 hold for startup fundraising? Are there distinct regional trends shaping the European market? What best practices are emerging to secure early-stage and seed funding in this new reality? While some sectors—particularly AI—continue to dominate investment flows, how can startups outside this space differentiate themselves and attract capital in an increasingly selective market? As investors refine their strategies and founders adapt, what new models will define the next wave of startup fundraising?