This presentation will give you answers of your some questions like - "Is customer experience the new growth engine?" etc.

1. Business Priority: Customer Experience
“Is customer experience the
new growth engine?”
The GrowthEnabler InFocus reports uniquely address the top priorities for technology leaders and their teams; by
recommending potential solutions, in the context of business growth. Each business priority is broken down to point
level/function-specific solutions that are further linked to technologies with a list of vendors. Business Solutions are sourced
from GrowthEnabler Pii, our intelligence gateway to over 525K high growth tech companies. This report is designed to
navigate the ever-changing technology landscape, and enable more informed, and quicker, decision making.
3
Step Guide
Document
Reading Time:
15 minutes
Created for the:
CIO, CDO, CTO,
CSO, CEO
INFOCUS REPORTSub Sector: InsuranceSector: Financial Services
©2018 / All rights reserved

2. i. Introduction
01. / How will this impact growth?
02. / Identifying business priorities
03. / From business priorities to solutions, in 3 steps
iii. Recommendations
15. / Digital transformation in Insurance
ii. The 3 Steps
04. / Customer Acquisition
09. / Customer Onboarding
13. / Customer Service & Support
iv. Methodology
17. / GrowthEnabler Research Methodology
Contents
Sector: Financial Services • Sub Sector: Insurance • Business Priority: Customer Experience
©2018 / All rights reserved

3. Increasing customer awareness, commoditization
of insurance products, and adoption of digital
products are changing the way people are making
insurance decisions. Customers are evaluating the
service at every touchpoint and switching their
loyalty for attributes like convenience and faster
turnaround time.
The new age digital insurance companies are encashing this
opportunity to introduce innovative products like usage-based
insurance leveraging telematics to offer customized price-points.
Traditional insurers are forced to rethink their conventional methods of
doing business and to become more transparent, customer-oriented,
and agile in delivering services across the customer value chain.
In-order to stay relevant in the shifting market dynamics, traditional
insurance companies need to prioritize their IT investments. Robotic
process automation tools can add speed and agility by automating
certain back and middle office processes, reduce operational costs and
improve customer experience. With greater customer interactive
capabilities through multiple channels, insurance companies can build
new engagement models that empower customers with more
information, personalized content, and real-time connectivity. It is
imperative for insurers to have a well-crafted customer engagement
strategy to meet raising expectations.
Introduction
How will digital transformation impact growth?
Sector: Financial Services • Sub Sector: Insurance • Business Priority: Customer Experience
01
©2018 / All rights reserved

4. Business Priorities
Sub-segments
02
©2018 / All rights reserved
Customer
Experience
Customer Services
& Support
Customer
On-boarding
Customer
Acquisition
Sector: Financial Services • Sub Sector: Insurance • Business Priority: Customer Experience

5. 1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
From Sub-segments to Solutions
The 3 Steps.
SCALING
MATURE
EMERGING
EMERGING:
Early stage startups typically at beta product
stage and seeking investment capital
SCALING:
Typically funded, with a market ready
product and revenue positive
MATURE:
Established product, exploring new growth
markets and partnerships
Startup Growth Stage Definitions
03
©2018 / All rights reserved
Sector: Financial Services • Sub Sector: Insurance • Business Priority: Customer Experience

6. 04
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
Personalised
marketing campaigns
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support
A.
Customer
experience
Persado
11 East 26th Street, New York
persado.com
Persado is an AI-based marketing software
to deliver content based on individual
profile.
Optimizely
Howard St. Suite 100 | San Francisco
optimizely.com
Optimizely helps businesses test out
different ways to make their websites or
apps more effective.
Insurance
Sub-segments
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
D.
Fraud & Risk
management
Automation of
marketing campaigns
Lead generation through
InsuranceTech platforms
Cross selling/Upselling
insurance products
Developer APIs to integrate
insurance products
into Personal finance
management platforms
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Phrasee
London, UK
phrasee.co
Phrasee uses AI to write better
marketing language than humans.

7. 05
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
A.
Customer
experience
Autopilot
140 2nd Street, San Francisco
autopilothq.com
Marketing automation and customer
journey management software.
Emarsys
21 Caledonian Road, London
emarsys.com
Emarsys provides the B2C personalized
and automated marketing solutions using
AI.
Sailthru
One World Trade, Suite 48, New York
sailthru.com
Sailthru provides APIs for automated
personalized marketing across all digital
channels.
D.
Fraud & Risk
management
Insurance
Sub-segments
Personalised
marketing campaigns
Automation of
marketing campaigns
Lead generation through
InsuranceTech platforms
Cross selling/Upselling
insurance products
Developer APIs to integrate
insurance products
into Personal finance
management platforms
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

8. 06
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
A.
Customer
experience
Fidor
Sandstr. 33 | 80335 Munich
fidor.com
Fidor Solutions is an open banking
platform for digital banks.
Atom Bank
The Rivergreen Centre, Durham
atombank.co.uk
Atom Bank is a digital bank with an open
banking tech stack.
D.
Fraud & Risk
management
Insurance
Sub-segments
Personalised
marketing campaigns
Automation of
marketing campaigns
Lead generation through
InsuranceTech platforms
Cross selling / Upselling
insurance products
Developer APIs to integrate
insurance products
into Personal finance
management platforms
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Revolut
One Canada Square, E14 5AB London
revolut.com
Revolut is an app-based banking
alternative offering retail and commercial
products.
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

9. 07
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
A.
Customer
experience
Worry and peace
Penn Street, Amersham
worryandpeace.com
Worry+Peace is a platform to buy personal
and business insurance products.
Health care
3401 N. Miami Avenue Unit 205 Miami
healthcare.com
HealthCare.com is a search and
comparison tool for healthcare insurance.
Compare Europe
65 Grosvenor Street, London
compareeuropegroup.com
CompareEuropeGroup is a pan-European
financial sevices comparison platform.
D.
Fraud & Risk
management
Insurance
Sub-segments
Insurance
Sub-segments
Personalised
marketing campaigns
Automation of
marketing campaigns
Lead generation through
InsuranceTech platforms
Cross selling / Upselling
insurance products
Developer APIs to integrate
insurance products
into Personal finance
management platforms
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

10. 08
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
A.
Customer
experience
Kasko
78 York Street, London
kasko.io
Kasko provides API to integrate products
into third party platforms.
Cover Genius
18 Finsbury Square, London, England
covergenius.biz
Point of sale insurance distribution
platform.
Massup
65 Grosvenor Street, London
massup.de
A white-label platform for online sales of
annex and niche insurance products by
brokers.
D.
Fraud & Risk
management
Insurance
Sub-segments
Insurance
Sub-segments
Personalised
marketing campaigns
Automation of
marketing campaigns
Lead generation through
InsuranceTech platforms
Cross selling / Upselling
insurance products
Developer APIs to integrate
insurance products
into Personal finance
management platforms
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

11. 09
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
Product recommendation
through dynamic customer
profiling
A.
Customer
experience
D.
Fraud & Risk
management
Digitial identity verification
platforms(e-KYC)
e-Signature
solutions
Digital on-boarding
solutions
Atidot
Ben Gurion st. 2, Ramat-Gan, Israel
atidot.com
Atidot is an InsuranceTech solution for
analytics based actuarial and risk
management.
Wenalyze
Av Secundino Zuazo 111, Madrid
wenalyze.com
Analyses social media information to
draw personal profiles based on working,
leisure and finance risks for personalized
recommendations.
Digital Fineprint
30 Great Guildford Street, London
digitalfineprint.com
Digital Fineprint provides marketing
solutions based on social media analytics.
Insurance
Sub-segments
Insurance
Sub-segments
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

12. 10
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
A.
Customer
experience
D.
Fraud & Risk
management
Onfido
40Long Acre, Covent Garden, London
onfido.com
Onfido is an identity verification platform
for KYC compliance.
Trunomi
41 Luke Street, London
trunomi.com
Trunomi provides enterprise KYC,
customer consent and data rights
compliance for GDPR.
Trulioo
420 W Hastings, Vancouver, Canada
trulioo.com
Trulioo is an online identity verification
company, for regulatory compliance and
AML monitoring.
Insurance
Sub-segments
Insurance
Sub-segments
Product recommendation
through dynamic customer
profiling
Digitial identity verification
platforms(e-KYC)
e-Signature
solutions
Digital on-boarding
solutions
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

13. 11
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
A.
Customer
experience
D.
Fraud & Risk
management
Docusign
221 Main St.,Suite 1000, San Francisco
docusign.com
DocuSign provides platforms and APIs for
e-signature.
Hellosign
301 Howard St, San Francisco
Hellosign.com
HelloSign offers API for e-signature
solutions.
EsignLive
503-505 Kent St, Sydney, Australia
esignlive.com
eSignLive is an e-signature and digital
solutions for enterprises.
Insurance
Sub-segments
Insurance
Sub-segments
Product recommendation
through dynamic customer
profiling
Digitial identity verification
platforms(e-KYC)
e-Signature
solutions
Digital on-boarding
solutions
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

14. 12
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
A.
Customer
experience
D.
Fraud & Risk
management
Socure
110 Fifth Avenue, 5th Floor, New York
socure.com
Digital identity verification solution using
data from social media, email, phone, IP
for KYC and AML compliance.
Agreement Express
123 South Street, Floor 5, Boston
agreementexpress.com
SaaS platform that automates the client
onboarding process for financial services
firms.
Avoka
20 Challis Street, Level 1, Dickson
avoka.com
Avoka is a cloud-based platform for digital
customer on-boarding.
Insurance
Sub-segments
Insurance
Sub-segments
Product recommendation
through dynamic customer
profiling
Digitial identity verification
platforms(e-KYC)
e-Signature
solutions
Digital on-boarding
solutions
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

15. 13
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
A.
Customer
experience
D.
Fraud & Risk
management
Automated quoting, issuance,
servicing via digital channels
(for brokers & Direct channels)
Omni Channel strategy
with contextualised
customer engagement
Limelight Health
1275 Mission Street, San Francisco
limelighthealth.com
Limelight Health provides health insurance
agents with decision tools and a SaaS
platform to assist their decision making.
Sureify
1100 Lincoln Ave, STE 239, San Jose
sureify.com
Analytics based tools for underwriting and
customer acquisition and engagement for
insurance sector.
Vlocity
50 Fremont Street, San Francisco
vlocity.com
Cloud solution for unified omnichannel
communication with customers.
Insurance
Sub-segments
Insurance
Sub-segments
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

16. 14
D.
Meeting regulatory
compliance
C.
Product
differentiation
B.
Digitization and
automation of back
& middle office
operations
A.
Customer
experience
D.
Fraud & Risk
management
Technisys
701 Brickell Ave. – Suite 1550, Miami
technisys.com
Technisys offers platform for omni-channel
user experience for the financial services
industry.
Elafris
795 Folsom Street, San Francisco
elafris.com
ML based virtual agents for sales, claim
processing and customer support for the
insurance sector.
SaleMove
19 W 21st St, New York
salemove.com
SaleMove offers customer engagement
technology for unified experience across
channels.
Insurance
Sub-segments
Insurance
Sub-segments
Automated quoting, issuance,
servicing via digital channels
(for brokers & Direct channels)
Omni Channel strategy
with contextualised
customer engagement
1.
SUB-SEGMENTS OF
BUSINESS PRIORITY
2.
SOLUTIONS TO
CONSIDER
3.
STARTUPS TO
EVALUATE
Find more solutions on
GrowthEnabler Pii...
www.growthenabler.com
Customer
Acquisition
Customer
On-boarding
Customer
Service & Support

17. Recommendations
Customer experience. The new growth engine
i.
ii.
Insurance companies should expedite policy quoting, onboarding and
mandatory verification procedures by moving to digital platforms and
automating certain back & middle office operations.
Insurers should focus on leveraging e-commerce models for distribution of
standardized insurance products to reduce their cost in acquiring
customer leads.
Insurance companies need to replace their traditional blanket marketing
campaigns with context-based recommendations tailored to the personas
of customers.
Insurers should adopt an omni channel approach to offer customers the
choice of approaching through multiple channels like Social media, Mobile
and other digital platforms.
iii.
iv.
Sector: Financial Services • Sub Sector: Insurance • Business Priority: Customer Experience
15
©2018 / All rights reserved

18. Find out more about
GrowthEnabler Research
Methodology
©2018 / All rights reserved

19. INTRODUCTION
GrowthEnabler uses its proprietary research methodologies to
analyse the business impact of disruptive technologies and digital
innovations on the future growth of large corporations and their
industries. GrowthEnabler applies its deep-data analysis tools,
scoring logic and algorithms to create intelligence that enables
senior executives to make informed business growth decisions.
The GrowthEnabler Personalised Intelligence Interface (Pii) is an
interactive platform that provides corporates the ability to Find,
Select, Connect and Manage global Startups based on their
business priorities and problems.
1. MARKET ANALYSIS
To create and report leading technology-related market trends
and industry analysis with a focus on industry sub-sectors, real-life
implementations, industry and market landscapes and competitor
dynamics, GrowthEnabler analyses large sets of data and
information aggregated from various private and public sources,
including online databases, market reports, online surveys,
journals, and in-depth phone interviews.
To further enrich the efficacy of analysis, GrowthEnabler undertakes
formal and informal interviews and RFI’s and surveys with key
decision makers and executives in corporates, as well as founders
and owners of Startups. Following this exercise, large volumes of
data is categorised and curated, based on, industry and market
drivers, risks, opportunities and challenges specific to an industry
vertical or technology area, and then injected into a pre-configured
regression model to forecast and predict market movements and
trends.
2. STARTUP TECHNOLOGY LANDSCAPE
& ANALYSIS
The Startup eco-system is built using an exhaustive primary and
secondary research analysis model, led by dedicated team of tech
analysts and subject matter experts (SMEs), who also use Machine
Learning and Natural Language Processing (NLP) technologies for
data mining and curation.
Primary Research – The Primary research data is sourced
directly from GrowthEnabler Market Surveys, RFI’s with
Startups, One-on-One Interviews, Calls and Product briefings,
including Startup and Client Registration Information available
on the GrowthEnabler Pii platform.
Secondary Research – A team of Machine Learning and NLP
experts scan thousands of private and public data sources
using data scraping and crawling methods to extract relevant
secondary data, which is then validated and verified using
GrowthEnabler automated data-cleansing methods,industry
and technology segmentation taxonomies and mapping
protocols and core intelligence from pre-populated Startup
profiles and reviews.
Analyst Validation – A team of Analysts and Subject Matter
Experts validate both the primary and secondary data while
using internal peer reviews to substantiate core
assumptions and data points, and external discussions with
senior decision makers
to assess business relevancy, timing and need.
The major sources of Secondary research are:
i. Global Startup websites
ii. Data aggregators
iii. VC and Investor portfolios
iv. News Feeds
v. Industry reports
vi. Regional Company registration websites
vii. Social Sources (Social Sites, Blogs, Articles, Media sites)
A total of 57 data-points and parameters are applied in
analysing and predicting the growth potential and health of a
Startup, including:
i. Company information
ii. Leadership Team
iii. Business Model
iv. Financial Strength/Funding/acquisition data
v. Product Innovation - patent data and core features and functions
analysis
vi. Customer value & sentiments
vii. Social Media and Branding coverage
viii. Business Traction and progress
Out of the total 57, 30 parameters are classified under 5 broad
categories used to calculate the GE Pii Score.
i. Product & Innovation
ii. Leadership Team
iii. Market Traction
iv. Financial Strength
v. Social media and Branding
GrowthEnabler Research Methodology
Proprietary Research
17
©2018 / All rights reserved

20. Further Resources:
01.
AR & VR Market Pulse Report UK (2016)
/ Download it at:
02.
[Title]
/ Sub-point
03.
[Title]
/ Sub-point
04.
[Title]
/ Sub-point
05.
[Title]
/ Sub-point
Further Resources:
01.
GrowthEnabler Tech Pulse Report
InsuranceTech 2018
02.
GrowthEnabler Tech Pulse Report
FinTech 2018
03.
GrowthEnabler InFocus Report
Insurance
Contact us for access to these reports:
www.growthenabler.com
©2018 / All rights reserved