The move from disruptor to enabler | Hubio

ThemovefromdisruptortoenablerIndro Mukerjee, Chief Execu4ve Officer, Watchstone

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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