Reinvent Car Insurance With Smartwatch Apps -- Concept Outline

REINVENT
CAR INSURANCE
WITH SMARTWATCH APPS
Deliver higher value at a glance.
CONCEPT OUTLINE

Copyright © 2017 Emozionella®. All rights reserved.
We help you conceive revolutionary
smartwatch apps that connect
emotionally, generate new revenue and
improve the user journey.
– Creating value by leveraging wearables’ intimate nature
– Empowering apps with our artificial intelligence solution
– Engaging a multidisciplinary team of visionaries
Grow business
opportunities
Deliver
superior
experiences
Build deeper
relationships
with customers

How do we add value
to car insurance?

SAFE-DRIVING
COACHING
ASSISTANCE
SERVICES
ACTIVE ACCIDENT
PREVENTION
THREE VALUE AREAS
DELIVER HIGHER VALUE AT A GLANCE
A smartwatch app empowers your car insurance to deliver higher
protection, superior experiences and personalized smart services.
Now you can satisfy the connected consumer’s needs and be
ahead of the curve.

ACTIVE ACCIDENT PREVENTION
We can help you conceive apps capable of detecting potentially dangerous
situations and alerting the driver with haptic and audio stimulations — without
taking his/her attention off the driving. This makes your app an essential
resource for every driver.
WHY THIS IS BEST DONE ON A SMARTWATCH?
• It has unique biometric sensors
• It’s always in contact with users, over their skin
• It has unique haptic interaction features
‣ Help the driver to stay awake
‣ Detect potentially dangerous
situations
‣ Avoid distractions while driving

SAFE-DRIVING COACHING
With our app, you can truly become a safe-driving coach. By leveraging the
smartwatch’s intimacy and powerful sensors, the app can track the user’s
driving style and motivate him/her to drive better (with rewards, gamification
solutions and contextual advice). Now you can be more convenient as an
insurer and more valuable as a brand.
• It enables an intimate experience, perfect for coaching
• It records high-quality contextual data
• It is faster to reach and instinctive to use
‣ Monitor the driving style and set objectives
‣ Motivate and advice
‣ Reward improvements
If you provide a black-box system as
part of the car insurance, the app can
be connected to it.
ENHANCE YOUR PAY-AS-YOU-DRIVE OFFERING

ASSISTANCE SERVICES
We can help you to improve the customer experience by delivering apps
that work as personal assistants. These apps simplify the handling of recurring
activities and make it instinctual to request services. Now you can multiply
your brand’s mindshare and boost retention.
• It has speciﬁc new sensors
• It’s worn and always with the users
• It is faster to reach and instinctive to use
‣ Where-I-Parked Service
‣ Auto SOS for Accidents
‣ One Tap for a Tow Truck

FOR YOUR INSURANCE
THE VALUE PROPOSITION
FOR THE DRIVER
Lower Claim Rates
Our app concepts enable you to lower claims rates by
empowering customers to develop safer driving
behaviors.
Customer Retention
The coaching and engagement solutions outlined
here multiply the app usage occasions and help
you build a "human" closeness with your customers.
This boosts mindshare and retention.
Higher Sales
By offering an advanced experience and clear
benefits with the app, your car insurance stands
out as more attractive and advanced — an
obvious choice over the competition.
More Convenience
Connecting the driving style to premium reductions
(and other benefits) enables the driver to reduce his/
her insurance costs. This makes your offering more
empowering and convenient.
Higher Safety
The apps outlined in this presentation help the driver to
prevent accidents and receive assistance fast and
easily. This provides a higher sense of safety and peace
of mind.
Great Experience
Smartwatch apps enable your ecosystem to be just
a glance away from the customer. Interacting with
your insurance couldn't be easier, more engaging or
rewarding.

‣ DELIVER NOTIFICATIONS AT THE RIGHT TIME - SO THEY
DON’T DISTURB
‣ ENABLE ADAPTIVE EXPERIENCES - SO INFO IS VISUALIZED
IN A WAY THAT BEST FITS THE CONTEXT
‣ USE LANGUAGE THAT BEST RESONATES WITH THE
USER'S UNIQUE PERSONALITY
With Emozionella AI, apps live and breathe with the user. Once
implemented, the whole experience is adapted in real time to
perfectly resonate with the context and personality of the user.
It can be added to any app through our SDK.
BOOST THE EXPERIENCE
WITH OUR AI SOLUTION
EMOZIONELLA ARTIFICIAL INTELLIGENCE
v.01b

TITLE TEXT
DELIVER A SEAMLESS
MOBILE EXPERIENCE
CONNECT THE INTIMACY OF THE WATCH
WITH THE POWER OF THE PHONE
SYNERGIES BETWEEN MOBILE DEVICES
- MOTIVATING
- INFORMING
- INTERACTING
- COACHING
- SET-UP
- CORE FUNCTIONS FOR USERS
WITHOUT A SMARTWATCH
- EXTENDED FUNCTIONS
DAY-TO-DAY COACHING REPORTING AND SET-UP
In addi'on to the smartwatch app, Emozionella also creates the concept and experience for
the smartphone app.
Besides enabling advanced features, the smartphone app provides — to the best extent
possible — the core func'ons to those who do not have a smartwatch.
DELIVERS THE VALUE PROPOSITION ENABLES MORE FEATURES & OPTIONS

HOW IT BOOSTS YOUR SALES FUNNEL
START EARLIER TO CONNECT WITH PROSPECTS
This app concept enables you to provide your digital
product in demo mode, allowing your undecided
prospects to see first-hand the benefits of your
service before becoming your customers.
This empowers you to connect with prospects earlier
in the sales funnel and learn more about them.

Experience Outline
Copyright © 2017 Emozionella. All rights reserved.

Copyright © 2017 Emozionella. All rights reserved.2017
Active Accident
Prevention
EXPERIENCE OUTLINE

• Reduce car accidents
• Add more value to the offering
• Build trust
• Reduce risks of accidents
• No visual distractions
• Peace of mind
By utilizing multiple sensors, the app detects
conditions that potentially could cause the
driver to fall asleep.
When this happens, the app keeps the driver
awake with haptic and sound stimulations -
without disrupting the driving.
SOUNDS
HAPTIC
STIMULATIONS
Heart beatAccelerometer Gyroscope
SENSORS INVOLVED
exam
ple
Sleep
alert
BENEFITS FOR THE INSURANCE BENEFITS FOR THE DRIVER
INSURANCE
Falling asleep!

The app tracks the user’s driving style in
real time. If the driving quality is not good
or speed limits are exceeded, the app
alerts the driver with haptic and sound
stimulations — without taking the driver’s
eyes off the road.
SOUNDS
HAPTIC
STIMULATIONS
Accelerometer Gyroscope
SENSORS INVOLVED
exam
ple
Reduce
reckless
driving
INSURANCE
Speed limit!
!
POINTS
-20P
4480 Points
• Reduce car accidents
• Add more value to the offering
• Build trust
• Reduce risks of accidents
• No visual distractions
• Reduce risks of ﬁnes for reckless driving

Safe-driving
Coaching
EXPERIENCE OUTLINE

exam
ple
Your driving
style, at a
glance on the
watch face!
In real time, familiar color codes
show the status of the driving style.
• It is the easiest way to monitor the driving style
• It makes the user feel empowered
• It stimulates the user to drive better
Shortcut to the app
• Gain higher brand visibility
• Stimulate the user to drive better
• Lower claim-rates by enabling users to develop safer
driving behavior

exam
ple
One tap and
you gain full
control
In real time, familiar color codes show
the driving style achieved against the
objectives.
It takes just a look to see how far the user is
from the next quality driving objective.
Total points gained + driving style level
achieved to date.
See the stress level at a glance.
POINTS+120
12,181L1
Driving Points
POINTS+120
12,181L1
• Gain higher brand visibility
• Stimulate the user to drive better
• Lower claim-rates by enabling users to develop safer
driving behavior
• It is the easiest way to monitor the driving style
• It makes the user feel empowered
• It stimulates the user to drive better

exam
ple
Motivate
Engage
Cross-Sell
• Create an intimate connection with the driver
• Leverage the best cross-sale opportunities
• It empowers the user to achieve the objectives
• It provides and instinctive experience
• It makes it easier to access relevant info
Our AI solution gives you the opportunity to cross-sell
in a new, contextual way. Your promotions can be
delivered at the right time and with the right message
-- so they don't disturb and are perceived as trusted
advice.
INSURANCE
You almost there!
P 318
Check your final
balance and
enjoy your
success!
DETAILS
SHARE
CLOSE

exam
ple
Reward!
Every time the user achieves a driving quality objective, the
app adds reward points to his/her digital pocket.
Once certain levels of points are achieved, the user is
entitled to enjoy prizes and benefits — like premium
reductions etc.
The whole gamification and rewarding logic is defined once
the outlined concept is tailored to the needs of your
insurance.
10:08
OPTIONS
120 points
Points You gained new
points. Add to
pocket or
change for a
voucher?
SHARE
VOUCHER
POCKET
• Make your offering more convenient
• Drive advocacy as users share their achievements
• Bring your brand closer to the user
• It provides prizes with clear value
• It gives a sense of gratification
• It generates a sense of achievement

Assistance
Services
EXPERIENCE OUTLINE

exam
ple
Automatic
accident
detection
By utilizing multiple sensors, the app detects if a
potentially dangerous situation has occurred. The
app automatically sends out a help request along
with the location and time of the accident.
The app gives the user the opportunity to revoke
the request.
• Deliver higher protection
• Ensure faster service delivery
• Boost the brand’s value
• It provides prompt service
• It creates peace of mind
• It gives s higher sense of protection.
REQUIRES INTEGRATION WITH EMERGENCY SERVICES
SOUNDS
HAPTIC
STIMULATIONS
Heart beatAccelerometer Gyroscope
SENSORS INVOLVED

exam
ple
Where have
I parked?
The app automatically recognizes where the driver has
parked the car and guides the user to its location.
The differentiator of this app is that it works automatically,
and does not require manual data entry from the user.
It detects when and where the car was parked by
dynamically analyzing the watch’s sensor data.
• Boost mindshare and retention
• Show you are an innovator in the industry
• It is easier to ﬁnd the car
• It works automatically (no need to enter data)

exam
ple
Fuel
expense
control
The app enables the driver to quickly control fuel expenses and set
monthly objectives.
At any time the user can check the progress against the objectives
and see the improvement areas.
The app also offers a "look into the future" functionality. By rotating
the digital crown forward, the driver can see projections of future
expenses derived from his/her driving style.
• Support quality driving
• Differentiate
• It makes it easier to save fuel expenses
• It helps the driver to improve the driving quality
Set Fuel Budget
€300
8th July 2016
EXPENSE BUDGET
-€36
24th July 2016
EXPENSE BUDGET
+€46
User can set budget limits
Past month fuel expense
REQUIRES INTEGRATION WITH BANK CARD
LOOK INTO THE FUTURE
SET FUEL EXPENSE MONTLY OBJECTIVE

exam
ple
I need a
tow truck!
• Make it easier to request for help
• Provide a better customer experience
• Enhance your service offering
• It makes it faster and easier to call a tow truck
• It reduces the frustration of waiting to see if it's on
the way
SOS
INSURANCE
P
If a car has a problem, or in case of accidents, now the driver
can call a tow-truck with just a tap.
The app automatically collects the time and location of the driver
and sends it to the tow truck service.
The driver gets a conﬁrmation once the request has been
assigned, can follow up the tow truck on the map and receive
arrival time estimations.
REQUIRES INTEGRATION WITH TOW-TRUCK SERVICE

This presentation is a sneak preview.
If you’re interested in knowing more about our concepts,
contact us at: info@emozionella.com
You will get, for FREE:
- 2 hours’ consultation on the topic
- A concept outline for your needs
- A preliminary operational approach
Interested in
these concepts?

Copyright © 2017 Emozionella®. All rights reserved.Copyright © 2017 Emozionella®. All rights reserved.
P0C1 P1I
CONCEPT
User
needs
Business
objectives
Competition
Concept
SCOPEDEVELOPMENT
APP CONCEPT
PROTOTYPE POC PROJECT
PROTOTYPE PROOF OF CONCEPT (POC)
Prototype

ready
Concept

readyIntent
IMPLEMENT
CHANGES
EVALUATE
FEEDBACK
FIELD TESTS
C0
Opportunity

identified
EXAMPLE OF A PROJECT
• Strategy definition: opportunity and value areas

• Business case creation

• User stories and use cases development

• Concept development

• Feasibility study

• Suppliers selection

• Minimum viable product (MVP) definition

• Early roadmap creation

• Experience outlined: phone and watch

• Legal and financial framework ready

• Inclusion of potential users into the project
v.01c
POC
completed
• Determining the scope of the prototype

• Use cases creation

• Device selection for the prototype

• IT solution identified

• AI set-up

• Experience design

• Operational processes identified

• Prototype app development
• Select target and location for research

• A/B testing strategy for real-case scenarios.

• Select KPIs and survey methodologies

• Plan the POC readiness

• Execution of the field tests with actual target
users

• Update concept and prototype with feedback

• Define roadmap

• Suggest pilot approach

ARTIFICIAL INTELLIGENCE
AI algorithms, interaction framework, content set-up and
admin console.
EXTENDED CONCEPT VALIDATION
Conduct proof of concept on 3 concept variations to select the
one that is best for business and users.
IT REQUIREMENTS
Translate the app concept (business requirements) into IT
requirements.
CONSUMER INSIGHTS
Conduct consumer and market research to identify consumer
needs vs market offering.
CONCEPT IDEA
Product (MVP & way forward). Branding.
Business benefits. User stories, epics
and themes creation. Features and
experience outline. Target and value
proposition. GTM plan.
BUSINESS CASE
Costs & efforts (development and
maintenance) vs benefits. Business
models and KPIs.
OPERATIONAL
Feasibility study. Definition of IT capabilities
needed. Business processes modeling.
Designing customer service and support
needs. Proof-of-concept project
management. Pilot & roll-out plan.
BASIC WIREFRAME &
FLOWS
App basic functions, interaction
framework and primary use cases.
CHANGES TO
SMARTPHONE APP
Definition of primary-use cases.
Identification of changes needed. Cost-
and-effort analysis. Creation of a
change-management plan.
TYPICAL CONCEPT DELIVERABLES BY EMOZIONELLA
v.01b
ADDITIONAL MODULES

Enable the design to adapt to the user's personality and
context in real time.
PROTOTYPE
Creation of the prototype to test the experience.
SURVEY AND VALIDATION
Test the experience with real customers.
BRAND IDENTITY ON WEARABLES
Studying the best brand image on wearables.
GRAPHIC DESIGN &
RESOURCES
Design of the entire app and creation of
all the graphic, sounds and haptic
elements.
WIREFRAME
Designing the overall app structure and
interaction framework.
INTERACTION DESIGN
Creating a dynamic design for real-time
interaction and experience adaptation to
personality and context.
USER-JOURNEY DESIGN
Defining the experience based on interaction
patterns, use cases and related path-to-
purposes. Designing cross-device journeys.
MULTI-SENSORIAL
DESIGN
Designing the app emotional layer
leveraging graphics, sounds and haptic
stimulations.
TYPICAL EXPERIENCE DELIVERABLES BY EMOZIONELLA
ADDITIONAL MODULES
v.01a

BANK
GOLD LOAN
1st Prize!
WE SUPPORT ALL MAJOR PLATFORMS

Emozionella’s core team
• Project manager
• Product manager
• Sound designer
• Experience designer
• Psychologist
• Technologist
Customer reference
Project Steering Group
• Customer participants
• Emozionella CEO
Customer subject-matter
experts and key personnel
• Business development
• IT
• Legal
• Other consultants
• Weekly project ofﬁce meeting
with core team and key
resources from customer
• Steering group to approve
milestone changes
• Weekly status update from
Emozionella for core and
extended team
• Emozionella project manager will
be also on customer site if /
when agreed
GOVERNANCE
We work alongside your team and suppliers
EXAMPLE OF THE PROJECT ORGANIZATION
v.01a

Business consulting
Mastering all stages of concept development, from
strategy to prototype, with a multifunctional team of
strategists, psychologists, designers and technologists.
Artificial Intelligence
Emozionella AI enables apps to live and breathe with the
user. Once implemented, the whole experience is
adapted in real time to perfectly resonate with the
context and personality of the user.
Our offering is built to solve the
challenges brands face when
expanding their business into
wearables.
Deﬁne a value proposition that
works for wearables
Create apps so smart they
deliver value at a glance
• Deliver the value and the experience users crave
• Create an intimate connection with the user
• Power the whole mobile ecosystem to satisfy the
new mobile consumer needs
• Satisfy contextual needs
• Speak to the customer at the right time
• Boost app retention
EMOZIONELLA’S OFFERING
v.01c

We have the right talent mix to deliver
superior quality. Our product managers,
technologists and designers work with
fashion designers and psychologists to
create the perfect app for any business
strategy.
COST-EFFECTIVE SOLUTIONS
MULTIFUNCTIONAL TEAM
To enable cuEng-edge experiences, we
apply ar'ficial intelligence algorithms to
our concepts. Now each app delivers its
func'ons based on the individuality of the
user.
Why waste 'me and money working with different
providers of app concepts and design? With Emozionella
you’re just a step away from your en're smartwatch app
concept. Thanks to our flat organiza'on, we are far faster,
and cheaper, than other consultants. 
WHY CHOOSE EMOZIONELLA?

Past: ADV designing for Coca-Cola, Telefonica, Unilever, Bankia,
Repsol, Founder "Milk the Agency"
Achievements Mediastar game design award, AR synesthesia
app concept and development, Cross-media app prototypes for
broadcasting
Expertise: UX design, Mobile app development, 3D modeling
Past Brand design for Unilever, ADV design campaign for
Renault, Co-founder of "Milk the Agency"

Achievements Illustration and animation for major
advertising and broadcasting companies, Bologna
International Book Fair Award, OFFF Award

Expertise Graphic design, 2D animation, illustration
Past Nokia, Genertel (Generali Insurance), Sportnetwork
(Amodei Publishing)
Achieved Raised profits for Nokia with new smartphone
services, boosted app success for Sportnetwork, delivered new
concepts to Genertel insurance
Expertise Product concepts, insights, business development,
service management, ITIL
Past Ernst & Young, Noema HR, Asset Management,
Achieved Personality recognition model for AI; Hierarchical
Interactive Training model
Expertise Psychology, personality detection, AI, Coaching
Psychology, HRFounder
Founder
Giuliano Valeri
CEO & CIO
Fabrizio Quintili
Interactional psychologist / Artificial
intelligence
Raquel Garcia
Chief Executive, CFO and lead
designer
Fabio Valeri
Director of services, R & D
Founded in 2015 in Spain, Emozionella is the first consulting company
specializing in smartwatch app concepts.
OUR MANAGEMENT TEAM

www.emozionella.com
info@emozionella.com
CONTACT US
This document is produced by Emozionella as general guidance. It is not intended to provide specific advice on your
circumstances. If you require advice or further details, please contact Emozionella.
Copyright © 2017 Emozionella All rights reserved.
ECI_004_EN
Start growing your business NOW!

Reinvent Car Insurance With Smartwatch Apps -- Concept Outline

Recommended

Recommended

More Related Content

Viewers also liked

Viewers also liked (16)

Similar to Reinvent Car Insurance With Smartwatch Apps -- Concept Outline

Similar to Reinvent Car Insurance With Smartwatch Apps -- Concept Outline (20)

Recently uploaded

Recently uploaded (20)

Reinvent Car Insurance With Smartwatch Apps -- Concept Outline