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Tech Statistics that Drive
Consumer Behavior.
Phil Reynolds
Phil Reynolds
CEO
BriteCore / IWS
Springfield, MO
Technology is Moving
Faster Than Ever!
Moore’s Law
• Gordon Moore co-founder of Intel
• “Transistor density will double every 2 years”
• 1965 prediction has held...
h"ps://commons.wikimedia.org/	
  
Kurzweil’s Law of Accelerating Returns
“The returns of an evolutionary process increase
exponentially over time.”
Kurzweil’s Law of Accelerating Returns
1	
   2	
  
4	
  
8	
  
16	
  
32	
  
0	
  
5	
  
10	
  
15	
  
20	
  
25	
  
30	
 ...
Kurzweil’s Law of Accelerating Returns
0	
  
2,000,000	
  
4,000,000	
  
6,000,000	
  
8,000,000	
  
10,000,000	
  
12,000...
1969 NASA Apollo Missions
• IBM System/360 Model 75
• $3,500,000
• 200,000 FLOPS
• 64,000 bytes memory
• 43kHz processor
2015 Modern Smartphone
• iPhone 6
• $750
• 115,000,000,000 FLOPS
• 1,000,000,000 bytes memory
• Dual Core 1.38 GHz process...
2015 Modern Smartphone
• 576,000 Times Faster
• 8 Watts Power
• Super Computer, Internet
Access, GPS, Camera,
Communicatio...
Trends in Consumer Behavior
1.  Mobile Device Adoption
2.  Frictionless User Experience
3.  Internet of Things
4.  Pay Per...
1. Mobile Device Adoption
Go Mobile
Mobile technology has risen FASTER than
ANY other technology in recorded history.
Go Mobile
Mobile device adoption is growing
8 TIMES FASTER
Than internet adoption did in the
1990s and early 2000s.
Go Mobile
Smartphones have integrated into our lives faster
than any technology in history. Ownership has grown
by 71.1% y...
Go Mobile
39%	
  
50%	
  
56%	
  
61%	
  
64%	
  
72%	
  
78%	
  
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
2011 2012 2013 20...
Mobile and Remote Access
Tablet ownership is currently exploding as the power of
these devices grows. Ownership has grown ...
Go Mobile
11%	
  
29%	
  
40%	
  
43%	
  
48%	
  
54%	
  
60%	
  
0%
10%
20%
30%
40%
50%
60%
70%
2011 2012 2013 2014 2015 ...
Go Mobile
At 7.5 billion units,
there are more active
mobile devices on Earth
than people.
Go Mobile
The average smartphone user
spends 4.7 hours a day
using their mobile device.
Go Mobile
of all web traffic now comes
from mobile devices.
33%
Go Mobile
of all Google Searches now
originate from a mobile device.
51%
Go Mobile
of smartphone users will not recommend a
business with a poorly designed mobile site.
57%
Go Mobile
of smartphone users view brands with
mobile apps more favorably.
64%
Go Mobile
Of mobile device users make direct
purchases or research purchases
regularly using their mobile device.
90%
Go Mobile
Mobile is Big.
Go Mobile
“How do I engage mobile?”
Go Mobile
1. Responsive Design
Responsive Design
• Page layout adapts to the size of the screen.
• Elements remain large and targeted
• Frequently filter...
Go Mobile
2. App vs Mobile Web
Definitions
• Mobile Web – Applications delivered over the internet that
are viewed through a mobile web browser.
• Mobile...
Mobile Web
(Pro) Distribution – Universal Through Browser
(Pro) Cost – 25% to 50% of Native App Cost
(Con) Features – Limi...
Mobile Apps
(Con) Distribution – App Store
(Con) Cost – 200% to 400% of Mobile Web Cost
(Pro) Features – Full Access to De...
Which is for you?
• Mobile App – If you want to deliver a rich user experience
and can afford it.
• Mobile Web – If you wa...
Go Mobile
3. Target Mobile Moments
Mobile Moments
When a user is on the go
and wants to know or accomplish
something in the moment
there is an opportunity to...
Example Mobile Moments
Whose Moment? What’s their Motivation? Example
Insured Learn about a product What does it cost to a...
Opportunities
• Build mobile interactions targeted at device capabilities.
• Keep apps simple and focused on user needs.
•...
2. Frictionless User Experience
Consumers want interactions
to feel quick and effortless.
Frictionless UI
of people expect a web page
to load in 2 seconds or less.
47%
Frictionless UI
of people will abandon a page that
takes longer than 3 seconds to load
40%
Frictionless UI
of people cited a website or app’s
design as the number one factor in
deciding the credibility of a busine...
Frictionless UI
of online shoppers claim that quick page
loads are important for their loyalty to a site.
52%
Frictionless UI
of online consumers are less likely to
return to a site after a bad experience.
88%
Frictionless UI
Conway’s Law
“Any organization that designs a system will produce a
design whose structure is a copy of the organization's...
Conway’s Law
Conway’s Law
Conway’s Law
Conway’s Law
User needs come first.
Organizational design is secondary.
Frictionless User Experience
User Experience
“How it Works”
• Layout
• Interaction
• Information Architecture
• Wireframin...
Mozilla UX Redesign
70% Reduction in Support
Frictionless User Experience
User Interface
“How it Looks”
• Typography
• Color
• Form
• Illustration
• Photography
• Deta...
7 Principles of Usability
• Simple – Don’t make me think!
• Minimal – What you need, only what you need
• Clean – Margins,...
Great UX Example: UBER
1,000,000 rides per day
API Economy
API Economy
• API stands for Application Program Interface.
• Allows services to communicate with each other
programmatica...
API Economy
http://www.myapp.com/v1/getUser?userId=1a554ddf2
{
“id”: “1a554ddf2”,
“firstname”: “Phil”,
“lastname”: “Reynol...
API Economy
• Public APIs - 5,000 in mid 2013 to 10,000 in 2015.
• Netflix API receives over 5 billion requests per day
• ...
API Economy
• APIs are emerging and maturing at an incredible pace.
• There are tremendous business opportunities for
busi...
APIs you can leverage today
• Location Services
• Property Valuation
• Payment Gateways
• Credit Scoring
• Tax Records
• P...
Opportunities
• Offer a great User Experience that addresses customer
needs intuitively.
• Build beautiful, clear User Int...
3. Internet of Things
Internet of Things
• Cloud of devices connected to the internet
• Sensors everywhere on everything
• Connected devices can...
Internet of Things
• 2 Billion Embedded Systems – 2012
• 4.9 Billion Embedded Systems – 2015
• 25 Billion Embedded Systems...
*Source:	
  h"ps://www.ncta.com/pla:orm/industry-­‐news/infographic-­‐the-­‐growth-­‐of-­‐the-­‐internet-­‐of-­‐things/	
  
Many Companies Built on IoT
Categories
• Commercial Buildings
• Energy Management
• Consumer and Home Automation
• Industrial Equipment
• Transportati...
Smart Devices are coming
to homes and businesses.
Nest Thermostat
Samsung Smart TV
Amazon Dash Button
Awair: Air Monitor
Netatmo Welcome (Face Recognition)
Roost Smart Batteries
Nest Cam
Insteon Hub Pro (Siri)
Kinsa Smart Thermometer
Deeper Portable Fish Finder
Rachio Home Watering
Click & Grow Indoor Planter
Withings Blood Pressure Monitor
Fitbit Surge Fitness Tracker
Tagg Plus Pet Tracker
August Door Lock
Nest Protect Smoke Alarm
PeebleBee Tracker
Apple Watch
LeakSmart Water Shutoff
Wally Moisture Sensor
LG Washer / Dryer
Samsung Refrigerator
Kohler OnCue Generator
AgaMatrix Blood Glucose Monitor
Withings Body Scale
Nuvant ECG
Smart Concrete
Roomie
Microsoft Hololens
Amazon Echo Gateway (Alexa)
Using APIs to Connect Devices
• IF moisture is detected THEN shutoff water main
• IF motion is detected THEN send message ...
Opportunities
• Rating Discounts / Surcharges
• Segment Risks Better
• Exclusions Based on Conditions
• Loss Prevention vi...
4. Usage Based Pricing
& Membership Culture
Usage Based Pricing & Membership Culture
• The Traditional American Dream isn’t the Millennial Dream.
• Ownership, retirem...
Entertainment
Netflix Subscribers
Hulu Plus Subscribers
Pandora Users
Spotify Users
Vacation Rentals
Vacation Rentals
• 32% of travelers have stayed in a vacation rental in 2012
• 59% of travelers plan to stay at a vacation...
AirBNB
SaaS Software
SaaS Market
$43.00
$56.00
$72.00
$87.00
$106.00
$0
$20
$40
$60
$80
$100
$120
2012 2013 2014 2015 2016
Billions	
  
SaaS Re...
SaaS Software
• Global SaaS revenue projected to be $106b in 2016
• By 2018, 59% of the total computer workloads will be S...
Transportation
Zipcar Members
673,000
777,000
818,000
860,000
930,000
500,000
600,000
700,000
800,000
900,000
1,000,000
2011 2012 2013 20...
Lyft
Lyft passed 100,000 drivers in 2015.
Spinlister
Spinlister anticipates 1,000,000
bike listings by end of 2015.
Uber
• Over 8,000,000 users
• 1,000,000 rides a day
• 160,000 Drivers
• 290 Cities
IT Infrastructure
IaaS Statistics
• 93 percent of organizations are running applications that
reside within an infrastructure-as-a-service n...
Microsoft Azure
• $15B spent on Cloud infrastructure
• 1,000 new Azure customers per day
• 400B authentications on Azure A...
Amazon Web Services
• AWS adds enough new server capacity daily to support all
of Amazon’s global infrastructure n 2004. (...
Auto Insurance Telematics
Snapshot
Drivewise
In-Drive
Onboard Advisor
h"p://dupress.com/ar>cles/telema>cs-­‐in-­‐auto-­‐insurance/	
  
h"p://dupress.com/ar>cles/telema>cs-­‐in-­‐auto-­‐insurance/	
  
Telematics Statistics
• Telematics study at ISO reveals the riskiest 20% of
operators’ claim costs were 10x higher least r...
Pay Per Mile
Opportunities
• Point of Sale at the Moment of Decision (Mobile Moment!)
• Charge Per Mile, Day, Rental Hour, etc.
• Use C...
Recap
1.  Engage mobile
2.  Offer well-designed user experiences that connect
services via API
3.  Build infrastructure to...
Questions?
phil@britecore.com
Namic 2015 - Consumer and Technology Trends
Namic 2015 - Consumer and Technology Trends
Namic 2015 - Consumer and Technology Trends
Namic 2015 - Consumer and Technology Trends
Namic 2015 - Consumer and Technology Trends
Namic 2015 - Consumer and Technology Trends
Namic 2015 - Consumer and Technology Trends
Namic 2015 - Consumer and Technology Trends
Namic 2015 - Consumer and Technology Trends
Namic 2015 - Consumer and Technology Trends
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Namic 2015 - Consumer and Technology Trends

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This presentation explores technology trends and how those impact both consumer behavior and insurance operations. Focus is paid to mobile device adoption, the API economy, the Internet of Things, and Frictionless User Experience.

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Namic 2015 - Consumer and Technology Trends

  1. 1. Tech Statistics that Drive Consumer Behavior. Phil Reynolds
  2. 2. Phil Reynolds CEO BriteCore / IWS Springfield, MO
  3. 3. Technology is Moving Faster Than Ever!
  4. 4. Moore’s Law • Gordon Moore co-founder of Intel • “Transistor density will double every 2 years” • 1965 prediction has held true for 50 years
  5. 5. h"ps://commons.wikimedia.org/  
  6. 6. Kurzweil’s Law of Accelerating Returns “The returns of an evolutionary process increase exponentially over time.”
  7. 7. Kurzweil’s Law of Accelerating Returns 1   2   4   8   16   32   0   5   10   15   20   25   30   35   Gen  1   Gen  2   Gen  3   Gen  4   Gen  5   Gen  6   Liner   Exponen4al  
  8. 8. Kurzweil’s Law of Accelerating Returns 0   2,000,000   4,000,000   6,000,000   8,000,000   10,000,000   12,000,000   14,000,000   16,000,000   18,000,000   1   2   3   4   5   6   7   8   9   10   11   12   13   14   15   16   17   18   19   20   21   22   23   24   25   Liner   Exponen4al   16,777,216  x   512  x   524,288  x    
  9. 9. 1969 NASA Apollo Missions • IBM System/360 Model 75 • $3,500,000 • 200,000 FLOPS • 64,000 bytes memory • 43kHz processor
  10. 10. 2015 Modern Smartphone • iPhone 6 • $750 • 115,000,000,000 FLOPS • 1,000,000,000 bytes memory • Dual Core 1.38 GHz processor
  11. 11. 2015 Modern Smartphone • 576,000 Times Faster • 8 Watts Power • Super Computer, Internet Access, GPS, Camera, Communications, Sensors, etc.
  12. 12. Trends in Consumer Behavior 1.  Mobile Device Adoption 2.  Frictionless User Experience 3.  Internet of Things 4.  Pay Per Use
  13. 13. 1. Mobile Device Adoption
  14. 14. Go Mobile Mobile technology has risen FASTER than ANY other technology in recorded history.
  15. 15. Go Mobile Mobile device adoption is growing 8 TIMES FASTER Than internet adoption did in the 1990s and early 2000s.
  16. 16. Go Mobile Smartphones have integrated into our lives faster than any technology in history. Ownership has grown by 71.1% year over year. 64% of Americans now own smartphones.
  17. 17. Go Mobile 39%   50%   56%   61%   64%   72%   78%   0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 2011 2012 2013 2014 2015 2016 2017 Percentage of Population with Smart Phone US Smart Phone Adoption 207m  
  18. 18. Mobile and Remote Access Tablet ownership is currently exploding as the power of these devices grows. Ownership has grown by 78.9% year over year. 40% of adults now own tablets.
  19. 19. Go Mobile 11%   29%   40%   43%   48%   54%   60%   0% 10% 20% 30% 40% 50% 60% 70% 2011 2012 2013 2014 2015 2016 2017 Percentage of Population with Tablet US Tablet Adoption 106m  
  20. 20. Go Mobile At 7.5 billion units, there are more active mobile devices on Earth than people.
  21. 21. Go Mobile The average smartphone user spends 4.7 hours a day using their mobile device.
  22. 22. Go Mobile of all web traffic now comes from mobile devices. 33%
  23. 23. Go Mobile of all Google Searches now originate from a mobile device. 51%
  24. 24. Go Mobile of smartphone users will not recommend a business with a poorly designed mobile site. 57%
  25. 25. Go Mobile of smartphone users view brands with mobile apps more favorably. 64%
  26. 26. Go Mobile Of mobile device users make direct purchases or research purchases regularly using their mobile device. 90%
  27. 27. Go Mobile Mobile is Big.
  28. 28. Go Mobile “How do I engage mobile?”
  29. 29. Go Mobile 1. Responsive Design
  30. 30. Responsive Design • Page layout adapts to the size of the screen. • Elements remain large and targeted • Frequently filter unneeded elements • Bootstrap is a popular framework.
  31. 31. Go Mobile 2. App vs Mobile Web
  32. 32. Definitions • Mobile Web – Applications delivered over the internet that are viewed through a mobile web browser. • Mobile Apps – Applications downloaded to a mobile device that install and run natively on the device
  33. 33. Mobile Web (Pro) Distribution – Universal Through Browser (Pro) Cost – 25% to 50% of Native App Cost (Con) Features – Limited Access to Device (Con) Internet – Online Required (Con) Exposure – Competing for 20% of Users Time
  34. 34. Mobile Apps (Con) Distribution – App Store (Con) Cost – 200% to 400% of Mobile Web Cost (Pro) Features – Full Access to Device (Pro) Internet – Offline Usage with Background Sync (Pro) Exposure – Competing for 80% of Users Time
  35. 35. Which is for you? • Mobile App – If you want to deliver a rich user experience and can afford it. • Mobile Web – If you want to offer mobile access on a budget. • The best companies offer BOTH.
  36. 36. Go Mobile 3. Target Mobile Moments
  37. 37. Mobile Moments When a user is on the go and wants to know or accomplish something in the moment there is an opportunity to build trust, and loyalty.
  38. 38. Example Mobile Moments Whose Moment? What’s their Motivation? Example Insured Learn about a product What does it cost to add an ATV to my insurance policy? Insured Receive service assistance A tree fell on my house. I need to file a claim with my insurance company. Agent Check on Policy Status Is that policy issued or do I need to give the insured feedback? Agent Review Income What was my commission payment last month? Staff - Underwriter Efficiency What policies do I need to review tomorrow? Staff - Claims Adjuster Serve Customer Better Submit authority override request in the field.
  39. 39. Opportunities • Build mobile interactions targeted at device capabilities. • Keep apps simple and focused on user needs. • Target functionality to create mobile moments for insureds, agents, and employees.
  40. 40. 2. Frictionless User Experience
  41. 41. Consumers want interactions to feel quick and effortless.
  42. 42. Frictionless UI of people expect a web page to load in 2 seconds or less. 47%
  43. 43. Frictionless UI of people will abandon a page that takes longer than 3 seconds to load 40%
  44. 44. Frictionless UI of people cited a website or app’s design as the number one factor in deciding the credibility of a business 48%
  45. 45. Frictionless UI of online shoppers claim that quick page loads are important for their loyalty to a site. 52%
  46. 46. Frictionless UI of online consumers are less likely to return to a site after a bad experience. 88%
  47. 47. Frictionless UI
  48. 48. Conway’s Law “Any organization that designs a system will produce a design whose structure is a copy of the organization's communication structure.” -- Melvyn Conway, 1967
  49. 49. Conway’s Law
  50. 50. Conway’s Law
  51. 51. Conway’s Law
  52. 52. Conway’s Law
  53. 53. User needs come first. Organizational design is secondary.
  54. 54. Frictionless User Experience User Experience “How it Works” • Layout • Interaction • Information Architecture • Wireframing • Prototyping • Research • Testing
  55. 55. Mozilla UX Redesign 70% Reduction in Support
  56. 56. Frictionless User Experience User Interface “How it Looks” • Typography • Color • Form • Illustration • Photography • Detail
  57. 57. 7 Principles of Usability • Simple – Don’t make me think! • Minimal – What you need, only what you need • Clean – Margins, white space, typography • Focused – Primary actions should be big and easy to find • Familiar – Use and recycle familiar patterns • Responsive – Offer feedback for every action
  58. 58. Great UX Example: UBER
  59. 59. 1,000,000 rides per day
  60. 60. API Economy
  61. 61. API Economy • API stands for Application Program Interface. • Allows services to communicate with each other programmatically. • Runs over standard and universally accessibly http.
  62. 62. API Economy http://www.myapp.com/v1/getUser?userId=1a554ddf2 { “id”: “1a554ddf2”, “firstname”: “Phil”, “lastname”: “Reynolds” }
  63. 63. API Economy • Public APIs - 5,000 in mid 2013 to 10,000 in 2015. • Netflix API receives over 5 billion requests per day • Over 1,000,000 sites and apps use the Google Maps API. • Since 2002, Amazon Web Services. $6.2 billion in revenue and 5x the capacity of next 14 competitors combined. • 2013 - 1.5 billion API calls. Up from 500 million in 2012. 350 million endpoints globally.
  64. 64. API Economy • APIs are emerging and maturing at an incredible pace. • There are tremendous business opportunities for businesses that connect services via API to deliver a seamless User Experience.
  65. 65. APIs you can leverage today • Location Services • Property Valuation • Payment Gateways • Credit Scoring • Tax Records • Protection Class • VIN and DMV lookups • Mortgagee Notification • File Storage • Telecommunications • Screen Share and Video • Help Desk • Social Media • Hundreds More……
  66. 66. Opportunities • Offer a great User Experience that addresses customer needs intuitively. • Build beautiful, clear User Interfaces. • Offer an API that allows other services to connect to you. • Connect APIs to add value to your services. • Automate and bridge everything you can to offer a smooth, intuitive experience for insureds, agents, and employees.
  67. 67. 3. Internet of Things
  68. 68. Internet of Things • Cloud of devices connected to the internet • Sensors everywhere on everything • Connected devices can access information • Connected devices can publish information • Convert information into action
  69. 69. Internet of Things • 2 Billion Embedded Systems – 2012 • 4.9 Billion Embedded Systems – 2015 • 25 Billion Embedded Systems – 2020
  70. 70. *Source:  h"ps://www.ncta.com/pla:orm/industry-­‐news/infographic-­‐the-­‐growth-­‐of-­‐the-­‐internet-­‐of-­‐things/  
  71. 71. Many Companies Built on IoT
  72. 72. Categories • Commercial Buildings • Energy Management • Consumer and Home Automation • Industrial Equipment • Transportation • Retail • Security and Safety • IT & Networks
  73. 73. Smart Devices are coming to homes and businesses.
  74. 74. Nest Thermostat
  75. 75. Samsung Smart TV
  76. 76. Amazon Dash Button
  77. 77. Awair: Air Monitor
  78. 78. Netatmo Welcome (Face Recognition)
  79. 79. Roost Smart Batteries
  80. 80. Nest Cam
  81. 81. Insteon Hub Pro (Siri)
  82. 82. Kinsa Smart Thermometer
  83. 83. Deeper Portable Fish Finder
  84. 84. Rachio Home Watering
  85. 85. Click & Grow Indoor Planter
  86. 86. Withings Blood Pressure Monitor
  87. 87. Fitbit Surge Fitness Tracker
  88. 88. Tagg Plus Pet Tracker
  89. 89. August Door Lock
  90. 90. Nest Protect Smoke Alarm
  91. 91. PeebleBee Tracker
  92. 92. Apple Watch
  93. 93. LeakSmart Water Shutoff
  94. 94. Wally Moisture Sensor
  95. 95. LG Washer / Dryer
  96. 96. Samsung Refrigerator
  97. 97. Kohler OnCue Generator
  98. 98. AgaMatrix Blood Glucose Monitor
  99. 99. Withings Body Scale
  100. 100. Nuvant ECG
  101. 101. Smart Concrete
  102. 102. Roomie
  103. 103. Microsoft Hololens
  104. 104. Amazon Echo Gateway (Alexa)
  105. 105. Using APIs to Connect Devices • IF moisture is detected THEN shutoff water main • IF motion is detected THEN send message and alarm • IF Carbon Monoxide detected THEN turn off fireplace • IF I leave the house THEN lock the doors • IF temperature drops THEN send message and shutoff water
  106. 106. Opportunities • Rating Discounts / Surcharges • Segment Risks Better • Exclusions Based on Conditions • Loss Prevention via Sensors • Correlations in Data • Develop Entirely New Products and Services
  107. 107. 4. Usage Based Pricing & Membership Culture
  108. 108. Usage Based Pricing & Membership Culture • The Traditional American Dream isn’t the Millennial Dream. • Ownership, retirement, stability are not valued like they were by previous generation. • Community, experiences, sharing, and sustainability are much more important. • Value experiences over things. • Frequently prefer membership over ownership.
  109. 109. Entertainment
  110. 110. Netflix Subscribers
  111. 111. Hulu Plus Subscribers
  112. 112. Pandora Users
  113. 113. Spotify Users
  114. 114. Vacation Rentals
  115. 115. Vacation Rentals • 32% of travelers have stayed in a vacation rental in 2012 • 59% of travelers plan to stay at a vacation rental in 2016 • Online travel climbed from $99 billion in 2010 to $144.7 billion in 2015 fueled by vacation rental growth
  116. 116. AirBNB
  117. 117. SaaS Software
  118. 118. SaaS Market $43.00 $56.00 $72.00 $87.00 $106.00 $0 $20 $40 $60 $80 $100 $120 2012 2013 2014 2015 2016 Billions   SaaS Revenue By Year SaaS Softaware Revenue
  119. 119. SaaS Software • Global SaaS revenue projected to be $106b in 2016 • By 2018, 59% of the total computer workloads will be SaaS workloads, up from 41% in 2013 • SaaS is replacing most traditional software models
  120. 120. Transportation
  121. 121. Zipcar Members 673,000 777,000 818,000 860,000 930,000 500,000 600,000 700,000 800,000 900,000 1,000,000 2011 2012 2013 2014 2015 Members SaaS Softaware Revenue
  122. 122. Lyft Lyft passed 100,000 drivers in 2015.
  123. 123. Spinlister Spinlister anticipates 1,000,000 bike listings by end of 2015.
  124. 124. Uber • Over 8,000,000 users • 1,000,000 rides a day • 160,000 Drivers • 290 Cities
  125. 125. IT Infrastructure
  126. 126. IaaS Statistics • 93 percent of organizations are running applications that reside within an infrastructure-as-a-service network. • 82 percent of enterprises have a hybrid cloud strategy, up from 74 percent in 2014. • 88 percent of organizations are using public cloud while 63 percent use private cloud. • 22 percent of organizations run more than 1000 VMs in private cloud.
  127. 127. Microsoft Azure • $15B spent on Cloud infrastructure • 1,000 new Azure customers per day • 400B authentications on Azure AD • 10 Trillion objects stored on Azure • 1 Million servers in Data Centers • 50% of Fortune 500 Companies use Azure
  128. 128. Amazon Web Services • AWS adds enough new server capacity daily to support all of Amazon’s global infrastructure n 2004. ($7b revenue) • AWS offers 5x the compute capacity of the other 14 cloud providers combined. • AWS revenue is now $6b a year. More than the next 4 providers combined. • AWS 5 million servers spread across 87 data centers.
  129. 129. Auto Insurance Telematics Snapshot Drivewise In-Drive Onboard Advisor
  130. 130. h"p://dupress.com/ar>cles/telema>cs-­‐in-­‐auto-­‐insurance/  
  131. 131. h"p://dupress.com/ar>cles/telema>cs-­‐in-­‐auto-­‐insurance/  
  132. 132. Telematics Statistics • Telematics study at ISO reveals the riskiest 20% of operators’ claim costs were 10x higher least risky 20%. • 36% of auto insurance carriers expected to utilize telematics by 2020.
  133. 133. Pay Per Mile
  134. 134. Opportunities • Point of Sale at the Moment of Decision (Mobile Moment!) • Charge Per Mile, Day, Rental Hour, etc. • Use Connected Devices to Measure and Track • Adversely Select Against Competitors Using Generic Data Models • Offer Entirely New Products
  135. 135. Recap 1.  Engage mobile 2.  Offer well-designed user experiences that connect services via API 3.  Build infrastructure to consume and model the data streaming in from embedded devices 4.  Connect all the pieces to offer true experience-based products and services.
  136. 136. Questions? phil@britecore.com

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