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Data disruption for InsuranceA Perspective From the Digital World?

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Data Disruption Basics6/6/13 Dataiku2

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6/6/13Dataiku 3DataikuWe help peoplebuild their datalab2013

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6/6/13Dataiku 4Why a data lab ?Personalize for Survival+ Sale Price- Buy Price- Discount- Advertising Costs- Indirect Advertising Costs- Search Optimization Costs- Cloud Marginal Costs+ Recurrence+ Loyalty ?-----------Predicted Deal Value+ Sale Price- Buy Price~ SEO-----------MarginSimple Funnel Model Multiple Contact Points ModelE-Commerce 2001 E-Commerce 2013

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} New Team } New Tech} New “M” Paradigm◦ Let the machine decide,not the meeting6/6/13Dataiku 5Data LabBusiness Guy Data ScientistTech Guy

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Is your data lab ready ?6/6/13Dataiku 6Can you bring in …What is your ability to integrate a newsmart guy and give him anydata he would need and any computingpower he would need to enhanceyour product ??

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6/6/13 Dataiku7Insurance is already data driven

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Data Usage Evolution6/6/13Dataiku 8LinearGeneralizedLinearModelCART MARS Neural NetworksPricingBusinessScopeModelComplexityDataScopePricingUnderwritingRetentionPricingUnderwritingRetentionFraudRecruitmentInternalInternalDemographicsAgency DataInternalDemographicsAgency DataOpen DataReal-Time Flow1990’s 2000’s Soon

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How do you combine data ?6/6/13Dataiku 9DATAPrice ScoreRetention ScoreAffiliate ScoreRisk Score…Combine atthe strategicor individuallevel ?

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What is your practice w.r.t Churn ?6/6/13Dataiku 10DataProfitabilityAnalyticsKey DriversStrategic ObjectivesMarketing PlansEnhance ScorerEffectMeasurement1 year ? 5 years ?

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Acquire, Manage, Releaseeach customer individually,throughout his life and keyevents} Gather all relevant data,even partial or inaccurate} Share methods andalgorithms between CRMand Risk Analytics} Run Global A/B Tests.Don’t decide fromreports.Churn: The Digital Way6/6/13Dataiku 11New HouseNew Girlfriend?Phone+MailCampaignLiked “Vodka”On FacebookNew CarSpecific RiskDetectedBirthDeathMobile InfoTravel To China?New Girlfriend?New CarChange BankDiscountOfferingSpecificRiskDetected

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From Evolution to Revolution

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6/6/13Dataiku 13Online Advertising Revolution October 23, 2000Large Amount of User Data Product AbilityNew Business Model Data Processing And Predictive Capabilities

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6/6/13Dataiku 14Impact

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6/6/13Dataiku 15Insurance TelematicsNew Services New Product DeliveryNew Business Model Data Processing and Predictive CapabilitiesPerformance Monitoring+ Theft recovery+ Performance+ Oil SavingsProgressive (2011):2 billions miles of data

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Progressive (Snapshot) - State Farm- AllState (DriveWise) - Nationwide(SmartRide) - Hartford (TrueLane) -Esurance (DriveSense) - State Farm(Ford Sync) - CSE (Save) - Elephant(DriveIQ) - Dtric (Akamai) - MetroMile - Insure The Box - ….Car Insurance Telematics: From 1997 to 2013 and beyond …6/6/13Dataiku 16Source: ABI Research, “Insurance Telematics”, Q1 2012

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6/6/13Dataiku 20User Based Insurance Next : Health ?KyruusFind the most efficientdoctor for each patientValidicConnect mobilehealth appsPractice FusionFree, Web-BasedElectronic Web RecordsToday: Data Generation Health Digitalization StartupsTomorrowPersonalized Insurance ?Patient drivenplatform to share onlineinformation with physicianLinked-in for physicians

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6/6/13Dataiku 21Insurance 2020 : Water Leakage Insurance ?Boston Chronicles,18 April, 2018Housing leader House Corp©is offering a new waterleakage insurance service.This service will be offeredto every customer renting anew flat through the website, and will gatherinformation from …Data fromHouse Sensors / Product SensorsWater ConsumptionWeatherInternal TemperatureProduct / Image Analytics

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Washington Post,3 April, 2019Online Dating ServiceMeetMatch© is offering amarriage insurance as partof its new premium service.This new service will start at5€/month, with a rateevolving throughout yourlifetime, depending …6/6/13Dataiku 22Insurance 2020 : Marriage Insurance ?Data fromFacebookWeb SearchOnline ProfileDivorce History…..

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6/6/13Dataiku 24Online Advertising Revolution October 23, 2000Large Amount of User Data Product AbilityNew Business Model Data Processing And Predictive Capabilities

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6/6/13Dataiku 252013 Display Advertising / PlatformsData Management Platform (User Data) AdNetworks (Distribution)AdExchange Audience OptimizersADVERTISINGSLAVIA

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6/6/13Dataiku 26In 10 years: Assurance as a platform ?Collect Customer Data Pricing and Product ConceptionUnderwriting andDistributionRisk Analytics As A Service

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6/6/13Dataiku 27User Based Insurance in 10 years: Who will…DriiveCollect Customer Data Pricing and Product ConceptionUnderwriting andDistributionRisk Analytics As A Service

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6/6/13Dataiku 28Thank you !@fdouetteauhttp://www.dataiku.com