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ThemovefromdisruptortoenablerIndro Mukerjee, Chief Execu4ve Officer, Watchstone
© 2016 Hubio. All rights reserved. Do not distribute without permission
NewbrandbringingtogetherthreetechnologycompaniesCreatedtoaddressthecoreemergingchallengesintheinsuranceandautomo:veindustriesAward-winningIPacrosstelema:cs,usagebasedinsurance,policy&claimsanddataanaly:csEstablishedcustomerrela:onshipsacrossUSA,CanadaandUK
Themovefromdisruptortoenabler
EXPLOREthemovetoenablement
UNDERSTANDtheUBIecosystem
IDENTIFYtheneedsofcustomers
andsuppliers
REALISEthebenefits
ENABLEwithaUBItoolkit
Confusedmarketplace–disruptors
Understandingthenewecosystemforthedigitalinsurer
Interac:on&CustomerEngagement
Telema:cs&IoT
DataAnaly:cs
Theecosystemforconnectedcarinsurancetechnology
EnablingDistribu:onChannels
Historicbehaviourmodel:Buy,claim,renewNewbehaviourmodel:comparecost,addedvalueandsimplifyMovetocon:nuousengagement
Customerengagementforthedigitalinsurer
Telema:csandIoT: Newbusinessmodels
DataBigchallengeandopportunity
Fragmenta:onDatasourcesinvaryingsilos
Analy:csTechnologycanstrengthenthedataandenabletargetedengagement
Dataanaly:cs:Thebignumbercrunch
ThebaSleofthe‘blackbox’
ExplosionindifferentmodelsandservicesMobiletechnologieschangingthegame
Enablingdistribu:onchannels
Theinsurancesectorneedsaversa:letoolkit
Message gateway Rules engine Data collec4on Driver app
Dataiscollectedfromasmartphoneorconnectedcar
Messagegatewayfiltersandprocessesdatafromdifferent
datasources
Rulesenginescoresthedriverand
triggersothereventsbasedonrulesets
Engagingcontentpushedtouser
Twowaycommunica:onforrenewal,services,etc.
Customer service systems
Providesvalue-addedservices
Policyandclaimsintegra:onbringstolifethepoten:alofUBI
TheUBItoolkit
Real-:meDataalreadyflowsfrommanyconnectedsources.Thekeytocommercialisa:onisusingthisdatatodeliverreal-:meconsumervalue
InsightsInsightsarepoisedtoaltereverypartoftheUBIvaluechainAutoma:onAutoma:onenablesinsurerstoreducebackofficecostsandscaleandrepeatvalue-addedofferstohighlysegmentedaudiences
Hubio UBI plaPorm
Granular level of consumer
driving behaviour
Powerful data analy4cs
Data-driven consumer campaigns
Customer reten4on model
Closingtheloopandconnec:ngtheconsumertotheecosystem
Themovefromdisruptortoenabler
EXPLOREthemovetoenablement
UNDERSTANDtheUBIecosystem
IDENTIFYtheneedsofcustomers
andsuppliers
REALISEthebenefits
ENABLEwithaUBItoolkit