Zwetana Penova is Head of Innovation & Process Management at Barmer, one of Germany’s largest public health insurers. Her work focuses on innovation pipelines, future skills, trend monitoring and process transformation in healthcare delivery. With more than 15 years of experience in service design, public innovation and agile transformation, she brings a systemic and human-centred perspective to how payors can collaborate with healthtech partners and shape more proactive, data-informed healthcare services.