A new category is emerging: AI-Native Services. AI is not just optimizing services. It is redefining how they are designed, delivered and scaled. And the prize sits in the labor, not the tools: for every dollar spent on software, six are spent on services.
The next generation of startups will not look like SaaS companies. They will be AI-native services, built around autonomous execution, continuous learning and end-to-end delivery of the outcome. For founders, this is not about selling better tools to brokers, carriers or property managers. It is about becoming the firm, rebuilt with software doing the work.
Adoption is no longer the bottleneck. 88% of companies already use AI in at least one business function, yet only about a third have started to scale it. The gap between using AI and being rebuilt around it is where AI-native firms are born.