Generali - My pocket - Insurer Innovation Award 2023

1. MyPocket by Generali

2. MyPocket: Introduction
The MyPocket initiative was born with the intention of creating a digital micro-savings solution that allows to complement the savings of our
customers with a reduced effort, taking a step further in the Life Time Partner strategy with the intention of meeting the following objectives:
Attract a greater number of Millenials or Generation Z clients to the Savings and Investment services, with the idea of being able to
offer a wide range of services that can be extrapolated to other types of clients we are focusing our strategy on, such as Seniors.
Take a step further in the digitalization of our clients, specifically in the Savings and Investment business, taking into account that only
28% of our clients have at some point accessed the Financial Position functionality, available in MiGenerali.
Complement through a micro-savings service inspired by behavioral economics the commercial discourse used to promote the Periodic
Premium as a key tool for building long-term capital.
Increase the functionalities of MyGenerali, including this service, with the objective of achieving a greater digital service for all types of
Generali customers, and thus complementing the strategy of the transition from a single-policy to a multi-policy environment.

3. Available on two UL products
An additional service at no cost to the client that will be
enabled in a first phase on two products of the
Multinversion Range (Equilibrio Protection Plus and
Multinversion Fácil).
A digital solution hosted by MiGenerali
Thanks to Coinscrap technology, MyPocket is a fully digital
microsavings solution that will be available to our customers on
MiGenerali.
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Access to bank accounts
For this purpose, we will access the bank accounts of our
clients, which will allow us to additionally observe data on the
insurance products of our competitors.
Microsavings and behavioral economics - Rules
The customer will accumulate small monetary amounts from the
following microsavings rules:
• Rounding rule on any transaction in the customers' bank
account. Customers will be able to choose to round up each
transaction by 1,2 or 5 euros from the target amount.
• Healthy living rules.
• Gamification options.
Periodic contributions
Possibility of completing the monthly savings objectives
thanks to periodic premiums. Additionally, in the event of not
achieving the objective, possibility of making a small
extraordinary contribution at the end of the month to
complete the objective.
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Allows the design of savings objectives
Savings through the design of personalized objectives
for each client, based on the choice of an amount
associated with the achievement of a goal in any
possible time horizon.
¿What is MyPocket?

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