Quota provides a complete rental solution for tenants, landlords, and real estate professionals that streamlines the rental process and provides financial protection. Their solution includes QuotaScore, which validates tenants digitally, and QuotaProtect, which offers rent guarantee and insurance. This simplifies the rental process, reduces risks and costs for all parties, and builds loyalty. Quota has proven early traction with over 1,300 tenants onboarded and is planning international expansion after consolidating in Spain.
FWD Vietnam Life Insurance Company Limited - Insurer Innovation Award 2022The Digital Insurer
1) The document outlines an approach for developing an innovative lady-care insurance product in Vietnam called FWD Lady First.
2) Through customer research, they identified gaps in existing products including a lack of comprehensive coverage of women's health needs, unrealistic pricing, and messaging that did not resonate.
3) Their proposed solution includes comprehensive yet flexible coverage of physical and mental health as well as beauty needs, affordable premium pricing, and empowering marketing that appeals to modern women.
Xplore with Ally is a financial planning tool launched by AIA Singapore to help customers better understand and plan their finances through life's different stages in a simple and engaging way. The tool allows customers to complete a short questionnaire on their goals and needs. It then provides a personalized financial health score and gap analysis to help customers make informed financial decisions. Since launching, Xplore with Ally has generated nearly 1,000 leads for AIA agents in under two months. Both agents and customers have provided positive feedback on the tool for remote prospecting and engaging clients.
AIA has developed an AI-powered online interview platform to make the agent recruiting process more flexible and efficient. The platform allows candidates to complete interviews anytime from any location. It uses AI to analyze interview responses and identify the best candidates objectively. This helps AIA standardize evaluations, expand interview volume, and track performance over the hiring process. The goal is to digitalize recruiting, reduce bias, and become the industry leader in AI-driven agency recruitment and training.
AIA has invested $1 billion in technology, digital, and analytics transformation. In Indonesia, AIA launched ANYA, an interactive WhatsApp platform that allows customers to access information, submit service requests, and speak to virtual or live agents. ANYA has improved customer experience and engagement, reduced calls to the contact center, and increased digital service requests, contributing to AIA Indonesia achieving the #1 customer NPS ranking in the country. AIA plans to integrate ANYA further and expand it to other markets.
FWD is using AI across its business to modernize its data architecture and provide intelligent customer experiences. It has developed several AI models including an AI claims processing engine that can approve claims quicker and more accurately, an AI next best offer model that improves upsell/cross-sell conversion rates, and AI lapse prevention models that predict lapses and target customers for retention programs. The company has also implemented successful AI-powered winback campaigns in Thailand and the Philippines that identify former customers most likely to reinstate policies and convert them at higher rates.
Siten Software Company Profile - Updated Sep./2016Vu Tuyen Hoang
The full business profile of Siten JSC. - The global outsourcing company.
In this version, we updated recently projects, our human resources and professional publicity images.
Visit http://siten.vn to discover more
Through its TDA (technology, digital and analytics) program, AIA is transforming itself into a customer-centric, digitally enabled insurer by 2023. TDA focuses on world-class technology, digital experiences, and analytics across AIA's businesses. AIA is developing a "super app" lifestyle platform with integrated services starting in Thailand, and plans expansions to other markets in 2022. AIA is also partnering with digital platforms, banks, and technology companies to expand its reach and offerings through digital channels.
The document discusses AXA Insurance's Insurance-as-a-Service digital platform. The platform aims to deliver personalized insurance protection and services seamlessly integrated into partners' applications and customer journeys. It uses microservices and APIs to enable flexible integration of insurance products and services into various distribution channels like agents, B2C, and B2B partnerships. Examples provided show how the platform has integrated insurance into applications for travel, car sales, and property rental through its API capabilities.
FWD Vietnam Life Insurance Company Limited - Insurer Innovation Award 2022The Digital Insurer
1) The document outlines an approach for developing an innovative lady-care insurance product in Vietnam called FWD Lady First.
2) Through customer research, they identified gaps in existing products including a lack of comprehensive coverage of women's health needs, unrealistic pricing, and messaging that did not resonate.
3) Their proposed solution includes comprehensive yet flexible coverage of physical and mental health as well as beauty needs, affordable premium pricing, and empowering marketing that appeals to modern women.
Xplore with Ally is a financial planning tool launched by AIA Singapore to help customers better understand and plan their finances through life's different stages in a simple and engaging way. The tool allows customers to complete a short questionnaire on their goals and needs. It then provides a personalized financial health score and gap analysis to help customers make informed financial decisions. Since launching, Xplore with Ally has generated nearly 1,000 leads for AIA agents in under two months. Both agents and customers have provided positive feedback on the tool for remote prospecting and engaging clients.
AIA has developed an AI-powered online interview platform to make the agent recruiting process more flexible and efficient. The platform allows candidates to complete interviews anytime from any location. It uses AI to analyze interview responses and identify the best candidates objectively. This helps AIA standardize evaluations, expand interview volume, and track performance over the hiring process. The goal is to digitalize recruiting, reduce bias, and become the industry leader in AI-driven agency recruitment and training.
AIA has invested $1 billion in technology, digital, and analytics transformation. In Indonesia, AIA launched ANYA, an interactive WhatsApp platform that allows customers to access information, submit service requests, and speak to virtual or live agents. ANYA has improved customer experience and engagement, reduced calls to the contact center, and increased digital service requests, contributing to AIA Indonesia achieving the #1 customer NPS ranking in the country. AIA plans to integrate ANYA further and expand it to other markets.
FWD is using AI across its business to modernize its data architecture and provide intelligent customer experiences. It has developed several AI models including an AI claims processing engine that can approve claims quicker and more accurately, an AI next best offer model that improves upsell/cross-sell conversion rates, and AI lapse prevention models that predict lapses and target customers for retention programs. The company has also implemented successful AI-powered winback campaigns in Thailand and the Philippines that identify former customers most likely to reinstate policies and convert them at higher rates.
Siten Software Company Profile - Updated Sep./2016Vu Tuyen Hoang
The full business profile of Siten JSC. - The global outsourcing company.
In this version, we updated recently projects, our human resources and professional publicity images.
Visit http://siten.vn to discover more
Through its TDA (technology, digital and analytics) program, AIA is transforming itself into a customer-centric, digitally enabled insurer by 2023. TDA focuses on world-class technology, digital experiences, and analytics across AIA's businesses. AIA is developing a "super app" lifestyle platform with integrated services starting in Thailand, and plans expansions to other markets in 2022. AIA is also partnering with digital platforms, banks, and technology companies to expand its reach and offerings through digital channels.
The document discusses AXA Insurance's Insurance-as-a-Service digital platform. The platform aims to deliver personalized insurance protection and services seamlessly integrated into partners' applications and customer journeys. It uses microservices and APIs to enable flexible integration of insurance products and services into various distribution channels like agents, B2C, and B2B partnerships. Examples provided show how the platform has integrated insurance into applications for travel, car sales, and property rental through its API capabilities.
The document discusses Roadzen, a company transforming auto insurance through the use of AI, computer vision, and telematics. It summarizes that Roadzen processes over 3 million claims worth $1 billion annually, serves over 40 million vehicles across 50+ countries, and has over 300 employees with offices worldwide. Roadzen has partnerships with over 65 insurers and major automakers, and provides a full suite of insurance technology services including underwriting, policy issuance, and an end-to-end claims management platform.
WeeCompany provides a 100% digital health ecosystem that integrates insurers, healthcare providers, and patients. It offers various software platforms and a mobile app to enable services like telehealth, appointments, electronic health records, payments, and care management. The platform aims to improve efficiency, customer satisfaction, and business growth for insurance companies through features like automated approvals, unified medical records, and analytics. It represents a new digital model for the healthcare and insurance industries.
1. Kin uses proprietary technology and data sources to more accurately underwrite and price risk, allowing it to insure homes in difficult markets that other insurers avoid.
2. Kin's digital platform generates millions of data points to better understand risk, avoiding the problem of relying on self-reported data from users or agents.
3. During hurricanes like Ida, Kin leverages its data and technology to efficiently triage catastrophic claims and keep customers prepared, in contrast to traditional insurers with outdated systems.
1) FWD Group has developed an AI+ Smart Insurance Framework that embeds AI throughout its digital platforms and customer journey to change how people feel about insurance.
2) Key aspects of the framework include a single data foundation powered by AI, with AI capabilities such as conversational AI, hyperpersonalization, predictive modeling, and computer vision/OCR.
3) FWD has implemented the AI+ framework in several countries to improve processes like underwriting, pricing, claims, cross-selling, and lapse prevention through initiatives like AI voice bots and predictive analytics models.
Company Profile - ZNSoftech Pvt Ltd(New)Nazish Ahsan
ZNSoftech is a global provider of full-spectrum software services known for delivering scalable and cost-efficient solutions. It has over 50 employees servicing clients across 5 continents. The company's vision is to achieve leadership in IT services by providing high-quality solutions combined with technology skills and commitment to clients. ZNSoftech offers services like application development, web solutions, mobile apps, and online marketing to help clients maximize productivity and profits. It focuses on reducing costs and risks for clients while delivering measurable business benefits.
Gretel is a digital platform that aims to solve the problems of lost and dormant customer accounts in the financial services industry. It does this by automating, standardizing, and centralizing the customer reconnection process across sectors like banking, investments, pensions, insurance, and others. This transforms a process that traditionally takes months into one that takes just minutes. Gretel creates a single, digital journey for consumers to search for lost accounts and assets across different financial institutions valued at over £50 billion in the UK alone. It has already matched over £2 million to users within its first few months.
Taiwan Life Insurance Co., Ltd. - Insurer Innovation Award 2022The Digital Insurer
Taiwan Life partnered with health AI insurtech Lydia AI to leverage data from Taiwan's eHealth initiative My Health Bank and develop a digital underwriting solution using Lydia AI's health prediction models. This allowed Taiwan Life to create a mobile app that provided personalized health scores and assessments to customers and qualified some for "fluidless underwriting" without medical exams in just 3-5 days. This innovative use of eHealth data won Taiwan Life an award and increased conversion rates and near real-time underwriting. The example shows how insurers can leverage national eHealth infrastructures for new customer solutions.
AIA China has developed an AI-powered conversational training and assessment tool called AI Roleplay to train its insurance agents. The tool allows agents to practice realistic sales scenarios anytime through voice-based roleplays with AI assistants. Agents receive real-time feedback to improve their conversational skills. The tool also provides analytics on agent performance. AIA believes AI Roleplay will improve training efficiency and effectiveness by standardizing assessments, freeing up supervisor time, and allowing agents to learn at their own pace through unlimited practice. Several agents praised how AI Roleplay quickly builds sales skills in a way that simulates real-world customer conversations.
The document provides an overview of a webinar on Microsoft security, compliance, and identity fundamentals presented by Vignesh Ganesan. The webinar covers Microsoft 365 security, Microsoft compliance solutions like information protection and governance, and Microsoft identity including Azure Active Directory. It summarizes the three main components that will be focused on: Microsoft security, Microsoft identity, and Microsoft compliance. It also outlines some of the key capabilities within each area and compares Microsoft's offerings to other vendors in the space.
Swiss Re Reinsurance Solutions - Claims Automated Rules Engine – Insurer Inno...The Digital Insurer
1. Swiss Re's Claims Automated Rules Engine is a cloud-based software that uses customizable rules to streamline the insurance claims process through automation.
2. It assists claims experts by assessing claims against risk-based rules, triaging submissions, and providing recommendations to help claims experts focus on more complex cases.
3. The tool provides efficiency gains like faster claims response times, improved consistency and accuracy in outcomes, and frees up claims experts to spend more time on cases that need attention.
Allianz Partners has developed an AI voicebot named Macarena to automate the home insurance claims process. Macarena uses natural language processing to understand policyholders' descriptions of claims, verifies coverage using a smart contract system, and steers claims to the most efficient resolution. It has improved customer experience and led to a 30% reduction in errors, a 40% reduction in call times, and over 50% of claims now being fully or partially automated with a customer satisfaction of 4.5/5. Allianz aims to continue expanding Macarena's capabilities to additional channels and more use cases.
Singlife Philippines provides digital-only life insurance using technology. It partners with digital platforms to distribute personalized insurance products through its Singlife Insurance Microsite (SIM). SIM allows platforms to offer meaningful insurance instantly by embedding the microsite, pulling customer data to pre-fill forms, and facilitating end-to-end digital journeys from purchase to claims. This addresses current gaps in accessibility, customer experience, and value for users of digital platforms. Singlife has seen success issuing over 700,000 policies and paying over 4,200 claims worth P500,000 to P5,000,000 each through SIM. It is now seeking to scale further by partnering with additional major digital platforms.
This document summarizes AIA China's Smart Claim system. Smart Claim uses AI and data to automate insurance claims processing. It aims to improve the customer experience by automating over 55% of claims, reducing average claim processing time to 3 days, and maximizing claim payments for customers. The system analyzes medical documents, applies rules to make claim decisions, and detects potential fraud. It also continuously optimizes rules through data analytics to improve performance. Smart Claim has increased AIA China's straight-through processing rate to over 55% compared to 13.9% previously, and automated claims for product types where competitors have not.
FWD Affiliates is a leads generation program designed to help agents transition to a digitally-enabled hybrid model. It allows agents to establish personal branding and engage prospects on social media, converting leads into sales. The program is based on a pay-on-success referral model that benefits both agents and affiliates. Through sharing lifestyle content on platforms like Facebook and WhatsApp, affiliates can engage prospects about financial planning and protection topics. Interested prospects can then submit their contact details through the affiliate's content to be passed on to agents as leads. The affiliates program has now launched in 4 markets across Asia and aims to expand further in 2022.
1) ZA Tech provides SaaS solutions that have been battle-tested at scale across borders, business lines, and operating models to support insurers and intermediaries.
2) Their Fusion SaaS platform is a scalable platform that can accelerate insurance go-to-market by providing flexible product configuration, dynamic pricing, and strong ecosystem partner integration capabilities.
3) Case studies demonstrate how Fusion has supported innovative insurance programs at scale for clients like Grab, Klook, and Yahoo, with millions of policies issued and rapid expansion into new markets.
1) MAvalue Selfcare allows customers to easily submit claims and receive compensation by uploading photos/videos of damage and receiving a fair valuation and direct payment.
2) The customer journey involves uploading information about an incident, receiving an immediate coverage check and damage assessment, and accepting the valuation to instantly receive funds in their bank account, without phone calls or appointments.
3) MAvalue Selfcare provides benefits for customers, insurers, and the environment by allowing a fully digital claims process that is convenient, transparent, efficient and reduces carbon emissions from avoided site visits.
The document discusses FWD Takaful's Affiliates program, which was launched in February 2020. The program aims to promote financial literacy and awareness of Takaful protection through social media sharing. Individuals can sign up as Affiliates through a mobile app and share approved content without any selling or capital requirements. When prospects are identified, they are directed to FWD's online plans or can provide contact details. Agents are then able to contact the prospects and finalize any sales. The program has seen over 6,000 Affiliates sign up, with a leads to sales conversion rate of 65% totaling over RM4 million in annual contribution estimates. Some Affiliates have been able to generate thousands in additional income through
This pitch deck is principally suited to be used by business leaders that need to be able to communicate the API advantage internally and to build support for an API strategy.
It can also be used by API providers as a resource they share with new customers who need to be able to communicate the benefits of APIs with their colleagues so as to make organizational-wide use of third party APIs.
The document discusses how bolttech is helping partners in Asia enhance their insurance propositions and customer experiences through various services and technologies. Key points include:
1) Bolttech is rolling out modular services like data analytics, claims automation, and a new customer engagement platform called bolttech Home to supercharge partners' value propositions.
2) The company is leveraging AI/ML to provide business insights, optimize marketing, and automate claims processing to improve productivity and customer experiences.
3) Bolttech's focus on hyperconnectivity through API integrations allows for fast onboarding of new partners and scaling of services across its expanding insurance ecosystem.
4) Continuous customer insights collection and co-creative workshops help bolt
This document discusses Proofpoint, a company that provides cloud-enabled email security solutions. It provides an overview of Proofpoint, highlighting that it has over 4,000 customers and is a leader in email security. It then discusses Proofpoint's solution, which offers benefits like simplified management, lower costs than managing multiple point solutions, compatibility across platforms, and support for compliance. The document also includes case studies of how Proofpoint has helped organizations like Banco do Brasil and Camed reduce costs and improve email security.
Hubb is an insurtech startup that provides commercial insurance for small and medium enterprises (SMEs) through a fully digital and highly automated process. It aims to disrupt the traditional broking market by offering more transparent, cost-effective insurance with a superior customer experience. Hubb has experienced rapid growth in its first 18 months of operation, insuring over 1,400 customers with £18 million in gross written premiums. It utilizes artificial intelligence, data science, and a recent acquisition of another insurtech company to automate processes and scale efficiently while reducing insurance costs for SMEs by up to 30%.
The document summarizes a presentation on netinsurer, a company providing digital infrastructure for the insurance industry. Netinsurer aims to address challenges in the insurance market like legacy IT systems, data inefficiencies, and fragmentation by connecting partners across the insurance value chain. The summary provides an overview of netinsurer's solution, traction with customers in Austria and plans for expansion, as well as the strengths of its team and positioning in the industry.
The document discusses Roadzen, a company transforming auto insurance through the use of AI, computer vision, and telematics. It summarizes that Roadzen processes over 3 million claims worth $1 billion annually, serves over 40 million vehicles across 50+ countries, and has over 300 employees with offices worldwide. Roadzen has partnerships with over 65 insurers and major automakers, and provides a full suite of insurance technology services including underwriting, policy issuance, and an end-to-end claims management platform.
WeeCompany provides a 100% digital health ecosystem that integrates insurers, healthcare providers, and patients. It offers various software platforms and a mobile app to enable services like telehealth, appointments, electronic health records, payments, and care management. The platform aims to improve efficiency, customer satisfaction, and business growth for insurance companies through features like automated approvals, unified medical records, and analytics. It represents a new digital model for the healthcare and insurance industries.
1. Kin uses proprietary technology and data sources to more accurately underwrite and price risk, allowing it to insure homes in difficult markets that other insurers avoid.
2. Kin's digital platform generates millions of data points to better understand risk, avoiding the problem of relying on self-reported data from users or agents.
3. During hurricanes like Ida, Kin leverages its data and technology to efficiently triage catastrophic claims and keep customers prepared, in contrast to traditional insurers with outdated systems.
1) FWD Group has developed an AI+ Smart Insurance Framework that embeds AI throughout its digital platforms and customer journey to change how people feel about insurance.
2) Key aspects of the framework include a single data foundation powered by AI, with AI capabilities such as conversational AI, hyperpersonalization, predictive modeling, and computer vision/OCR.
3) FWD has implemented the AI+ framework in several countries to improve processes like underwriting, pricing, claims, cross-selling, and lapse prevention through initiatives like AI voice bots and predictive analytics models.
Company Profile - ZNSoftech Pvt Ltd(New)Nazish Ahsan
ZNSoftech is a global provider of full-spectrum software services known for delivering scalable and cost-efficient solutions. It has over 50 employees servicing clients across 5 continents. The company's vision is to achieve leadership in IT services by providing high-quality solutions combined with technology skills and commitment to clients. ZNSoftech offers services like application development, web solutions, mobile apps, and online marketing to help clients maximize productivity and profits. It focuses on reducing costs and risks for clients while delivering measurable business benefits.
Gretel is a digital platform that aims to solve the problems of lost and dormant customer accounts in the financial services industry. It does this by automating, standardizing, and centralizing the customer reconnection process across sectors like banking, investments, pensions, insurance, and others. This transforms a process that traditionally takes months into one that takes just minutes. Gretel creates a single, digital journey for consumers to search for lost accounts and assets across different financial institutions valued at over £50 billion in the UK alone. It has already matched over £2 million to users within its first few months.
Taiwan Life Insurance Co., Ltd. - Insurer Innovation Award 2022The Digital Insurer
Taiwan Life partnered with health AI insurtech Lydia AI to leverage data from Taiwan's eHealth initiative My Health Bank and develop a digital underwriting solution using Lydia AI's health prediction models. This allowed Taiwan Life to create a mobile app that provided personalized health scores and assessments to customers and qualified some for "fluidless underwriting" without medical exams in just 3-5 days. This innovative use of eHealth data won Taiwan Life an award and increased conversion rates and near real-time underwriting. The example shows how insurers can leverage national eHealth infrastructures for new customer solutions.
AIA China has developed an AI-powered conversational training and assessment tool called AI Roleplay to train its insurance agents. The tool allows agents to practice realistic sales scenarios anytime through voice-based roleplays with AI assistants. Agents receive real-time feedback to improve their conversational skills. The tool also provides analytics on agent performance. AIA believes AI Roleplay will improve training efficiency and effectiveness by standardizing assessments, freeing up supervisor time, and allowing agents to learn at their own pace through unlimited practice. Several agents praised how AI Roleplay quickly builds sales skills in a way that simulates real-world customer conversations.
The document provides an overview of a webinar on Microsoft security, compliance, and identity fundamentals presented by Vignesh Ganesan. The webinar covers Microsoft 365 security, Microsoft compliance solutions like information protection and governance, and Microsoft identity including Azure Active Directory. It summarizes the three main components that will be focused on: Microsoft security, Microsoft identity, and Microsoft compliance. It also outlines some of the key capabilities within each area and compares Microsoft's offerings to other vendors in the space.
Swiss Re Reinsurance Solutions - Claims Automated Rules Engine – Insurer Inno...The Digital Insurer
1. Swiss Re's Claims Automated Rules Engine is a cloud-based software that uses customizable rules to streamline the insurance claims process through automation.
2. It assists claims experts by assessing claims against risk-based rules, triaging submissions, and providing recommendations to help claims experts focus on more complex cases.
3. The tool provides efficiency gains like faster claims response times, improved consistency and accuracy in outcomes, and frees up claims experts to spend more time on cases that need attention.
Allianz Partners has developed an AI voicebot named Macarena to automate the home insurance claims process. Macarena uses natural language processing to understand policyholders' descriptions of claims, verifies coverage using a smart contract system, and steers claims to the most efficient resolution. It has improved customer experience and led to a 30% reduction in errors, a 40% reduction in call times, and over 50% of claims now being fully or partially automated with a customer satisfaction of 4.5/5. Allianz aims to continue expanding Macarena's capabilities to additional channels and more use cases.
Singlife Philippines provides digital-only life insurance using technology. It partners with digital platforms to distribute personalized insurance products through its Singlife Insurance Microsite (SIM). SIM allows platforms to offer meaningful insurance instantly by embedding the microsite, pulling customer data to pre-fill forms, and facilitating end-to-end digital journeys from purchase to claims. This addresses current gaps in accessibility, customer experience, and value for users of digital platforms. Singlife has seen success issuing over 700,000 policies and paying over 4,200 claims worth P500,000 to P5,000,000 each through SIM. It is now seeking to scale further by partnering with additional major digital platforms.
This document summarizes AIA China's Smart Claim system. Smart Claim uses AI and data to automate insurance claims processing. It aims to improve the customer experience by automating over 55% of claims, reducing average claim processing time to 3 days, and maximizing claim payments for customers. The system analyzes medical documents, applies rules to make claim decisions, and detects potential fraud. It also continuously optimizes rules through data analytics to improve performance. Smart Claim has increased AIA China's straight-through processing rate to over 55% compared to 13.9% previously, and automated claims for product types where competitors have not.
FWD Affiliates is a leads generation program designed to help agents transition to a digitally-enabled hybrid model. It allows agents to establish personal branding and engage prospects on social media, converting leads into sales. The program is based on a pay-on-success referral model that benefits both agents and affiliates. Through sharing lifestyle content on platforms like Facebook and WhatsApp, affiliates can engage prospects about financial planning and protection topics. Interested prospects can then submit their contact details through the affiliate's content to be passed on to agents as leads. The affiliates program has now launched in 4 markets across Asia and aims to expand further in 2022.
1) ZA Tech provides SaaS solutions that have been battle-tested at scale across borders, business lines, and operating models to support insurers and intermediaries.
2) Their Fusion SaaS platform is a scalable platform that can accelerate insurance go-to-market by providing flexible product configuration, dynamic pricing, and strong ecosystem partner integration capabilities.
3) Case studies demonstrate how Fusion has supported innovative insurance programs at scale for clients like Grab, Klook, and Yahoo, with millions of policies issued and rapid expansion into new markets.
1) MAvalue Selfcare allows customers to easily submit claims and receive compensation by uploading photos/videos of damage and receiving a fair valuation and direct payment.
2) The customer journey involves uploading information about an incident, receiving an immediate coverage check and damage assessment, and accepting the valuation to instantly receive funds in their bank account, without phone calls or appointments.
3) MAvalue Selfcare provides benefits for customers, insurers, and the environment by allowing a fully digital claims process that is convenient, transparent, efficient and reduces carbon emissions from avoided site visits.
The document discusses FWD Takaful's Affiliates program, which was launched in February 2020. The program aims to promote financial literacy and awareness of Takaful protection through social media sharing. Individuals can sign up as Affiliates through a mobile app and share approved content without any selling or capital requirements. When prospects are identified, they are directed to FWD's online plans or can provide contact details. Agents are then able to contact the prospects and finalize any sales. The program has seen over 6,000 Affiliates sign up, with a leads to sales conversion rate of 65% totaling over RM4 million in annual contribution estimates. Some Affiliates have been able to generate thousands in additional income through
This pitch deck is principally suited to be used by business leaders that need to be able to communicate the API advantage internally and to build support for an API strategy.
It can also be used by API providers as a resource they share with new customers who need to be able to communicate the benefits of APIs with their colleagues so as to make organizational-wide use of third party APIs.
The document discusses how bolttech is helping partners in Asia enhance their insurance propositions and customer experiences through various services and technologies. Key points include:
1) Bolttech is rolling out modular services like data analytics, claims automation, and a new customer engagement platform called bolttech Home to supercharge partners' value propositions.
2) The company is leveraging AI/ML to provide business insights, optimize marketing, and automate claims processing to improve productivity and customer experiences.
3) Bolttech's focus on hyperconnectivity through API integrations allows for fast onboarding of new partners and scaling of services across its expanding insurance ecosystem.
4) Continuous customer insights collection and co-creative workshops help bolt
This document discusses Proofpoint, a company that provides cloud-enabled email security solutions. It provides an overview of Proofpoint, highlighting that it has over 4,000 customers and is a leader in email security. It then discusses Proofpoint's solution, which offers benefits like simplified management, lower costs than managing multiple point solutions, compatibility across platforms, and support for compliance. The document also includes case studies of how Proofpoint has helped organizations like Banco do Brasil and Camed reduce costs and improve email security.
Hubb is an insurtech startup that provides commercial insurance for small and medium enterprises (SMEs) through a fully digital and highly automated process. It aims to disrupt the traditional broking market by offering more transparent, cost-effective insurance with a superior customer experience. Hubb has experienced rapid growth in its first 18 months of operation, insuring over 1,400 customers with £18 million in gross written premiums. It utilizes artificial intelligence, data science, and a recent acquisition of another insurtech company to automate processes and scale efficiently while reducing insurance costs for SMEs by up to 30%.
The document summarizes a presentation on netinsurer, a company providing digital infrastructure for the insurance industry. Netinsurer aims to address challenges in the insurance market like legacy IT systems, data inefficiencies, and fragmentation by connecting partners across the insurance value chain. The summary provides an overview of netinsurer's solution, traction with customers in Austria and plans for expansion, as well as the strengths of its team and positioning in the industry.
Startup Stage - Fintech, Payment, Anti-Fraud & InsurTech - Presentation by Gustav Stuge, CEO of InMyBag at the NOAH Conference London 2017, Old Billingsgate on the 2nd of November 2017.
This document summarizes Covomo Versicherungsvergleich GmbH, a German insurtech company. It discusses Covomo's vision to empower people to easily protect items they care about through on-demand insurance. Covomo operates an insurance distribution platform with over 1,500 product policies and is launching Germany's first on-demand insurance product called "covr.it". The document argues that Covomo's combination of a powerful distribution platform and digital insurance product positions it to become the leading player in Germany's growing €11 billion product insurance market.
Quota aims to bring transparency, protection and speed to the rental process through a tool that makes tenants, landlords and real estate agents happier. It offers payment coverage and tenant screening through a marketplace and SaaS platform, reducing the rental process time by 80% and cost by 3x while providing 100% transparency. With over 3,000 tenant profiles and 1,200 business clients so far, Quota seeks to expand across Europe and Latin America with support from investors like Think Bigger Capital.
- Bolttech partnered with dtac, one of Thailand's largest telcos, to launch dSurance, an embedded insurance platform using Bolttech's technology.
- dSurance allows dtac customers to browse and purchase insurance products directly from dtac's platform, with seamless payment integration.
- The platform launched in under two months and now offers 10 products from 8 carriers, seeing promising early conversion rates for dtac to expand into insurance.
Fintech in 2017: What Will be the Most Interesting Areas to Invest? - Workshop by Alexander Frolov, General Partner of Target Global at the NOAH Conference London 2016, Old Billingsgate on the 10th of November 2016.
The reasons why for adopting IoT in the insurance sector are:
1) frequency of interaction
2) value creation
3) knowledge creation
4) sustainability
An incredible opportunity for the insurance sector
The UK electorate’s 52/48 vote to leave the European Union has caused uncertainty in markets, with property investment one of the sectors generating the most headlines. Aon Hewitt Partner Nick Duff provides our lead story ‘Brexit and the immediate aftermath’ with some practical observations. He suggests despite some pressure on valuations, the UK property market is likely to hold up owing to its attractiveness to long term investors.
Rental Property System Based on Review System Based Review AnalysisIRJET Journal
This document discusses the development of a rental property system based on reviews. It conducted a survey that found current methods for finding rental properties and tenants are ineffective, and there is lack of trust between landlords and tenants. The proposed system will create an online marketplace where landlords can list properties and tenants can search based on criteria. It will also integrate a review system to help build trust. The system aims to provide a more effective solution than traditional brokers. Challenges like affordable pricing, weather risks, infrastructure issues and using digital marketing will need to be addressed for the real estate industry. The expected result is students can quickly find suitable rentals matching their needs.
This document brings together a set
of latest data points and publicly
available information relevant for
Business services. We are very
excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
Real Estate Brokerage: Why Professionalism and Ethics is the PriorityAtHouse Real Estate
Table of Contents:
Why Professionalism and Ethics is the Priority
Real estate is booming in Canada and real estate brokerage counts
Why is real estate brokerage so important?
The key role of real estate brokerage in the process
The digital landscape of Toronto real estate brokerage
IoT is a terrific opportunity for the insurance sector.
But the average understanding of this opportunity in the different markets is low, and it is common to hear superficial comments by analysts in the various markets.
Let's demystify some myths!
Start-up Stage - Marketplaces - Presentation by Joao Cardoso, Co-Founder & CEO of TaCerto at the NOAH 2015 Conference in London, Old Billingsgate on the 13th of November 2015.
The document discusses a panel discussion on partnering for success in a digital world. The agenda includes opening remarks, opportunities in the industry from KPMG, insurer perspectives from AIA, and a panel discussion. There will also be updates from The Digital Insurer and a wrap up. The document provides information on the panellists and how to participate in the discussion through questions in the Q&A or comments in the chat. It also includes polls to gauge participants' views on key topics.
Startup Stage - PropTech - Presentation by Christian Kahl, Co-Founder & CEO of MieterEngel at the NOAH Conference London 2017, Old Billingsgate on the 2nd of November 2017.
Startup Stage - Fintech - Presentation by Radoslav Albrecht, Founder & CEO of Bitbond at the NOAH Conference Berlin 2017, Tempodrom on the 22nd of June 2017.
Initio Digital Innovation Digest #11 Q4 2018Initio
Quarterly published Digest of most relevant digital innovations in bank and insurance. This quarter: focus on Ecosystems - Beyond Banking and Insurance
Similar to Quota - InsurTech Innovation Award 2022 (20)
“An Outlook of the Ongoing and Future Relationship between Blockchain Technologies and Process-aware Information Systems.” Invited talk at the joint workshop on Blockchain for Information Systems (BC4IS) and Blockchain for Trusted Data Sharing (B4TDS), co-located with with the 36th International Conference on Advanced Information Systems Engineering (CAiSE), 3 June 2024, Limassol, Cyprus.
Infrastructure Challenges in Scaling RAG with Custom AI modelsZilliz
Building Retrieval-Augmented Generation (RAG) systems with open-source and custom AI models is a complex task. This talk explores the challenges in productionizing RAG systems, including retrieval performance, response synthesis, and evaluation. We’ll discuss how to leverage open-source models like text embeddings, language models, and custom fine-tuned models to enhance RAG performance. Additionally, we’ll cover how BentoML can help orchestrate and scale these AI components efficiently, ensuring seamless deployment and management of RAG systems in the cloud.
Cosa hanno in comune un mattoncino Lego e la backdoor XZ?Speck&Tech
ABSTRACT: A prima vista, un mattoncino Lego e la backdoor XZ potrebbero avere in comune il fatto di essere entrambi blocchi di costruzione, o dipendenze di progetti creativi e software. La realtà è che un mattoncino Lego e il caso della backdoor XZ hanno molto di più di tutto ciò in comune.
Partecipate alla presentazione per immergervi in una storia di interoperabilità, standard e formati aperti, per poi discutere del ruolo importante che i contributori hanno in una comunità open source sostenibile.
BIO: Sostenitrice del software libero e dei formati standard e aperti. È stata un membro attivo dei progetti Fedora e openSUSE e ha co-fondato l'Associazione LibreItalia dove è stata coinvolta in diversi eventi, migrazioni e formazione relativi a LibreOffice. In precedenza ha lavorato a migrazioni e corsi di formazione su LibreOffice per diverse amministrazioni pubbliche e privati. Da gennaio 2020 lavora in SUSE come Software Release Engineer per Uyuni e SUSE Manager e quando non segue la sua passione per i computer e per Geeko coltiva la sua curiosità per l'astronomia (da cui deriva il suo nickname deneb_alpha).
UiPath Test Automation using UiPath Test Suite series, part 6DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 6. In this session, we will cover Test Automation with generative AI and Open AI.
UiPath Test Automation with generative AI and Open AI webinar offers an in-depth exploration of leveraging cutting-edge technologies for test automation within the UiPath platform. Attendees will delve into the integration of generative AI, a test automation solution, with Open AI advanced natural language processing capabilities.
Throughout the session, participants will discover how this synergy empowers testers to automate repetitive tasks, enhance testing accuracy, and expedite the software testing life cycle. Topics covered include the seamless integration process, practical use cases, and the benefits of harnessing AI-driven automation for UiPath testing initiatives. By attending this webinar, testers, and automation professionals can gain valuable insights into harnessing the power of AI to optimize their test automation workflows within the UiPath ecosystem, ultimately driving efficiency and quality in software development processes.
What will you get from this session?
1. Insights into integrating generative AI.
2. Understanding how this integration enhances test automation within the UiPath platform
3. Practical demonstrations
4. Exploration of real-world use cases illustrating the benefits of AI-driven test automation for UiPath
Topics covered:
What is generative AI
Test Automation with generative AI and Open AI.
UiPath integration with generative AI
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
HCL Notes and Domino License Cost Reduction in the World of DLAUpanagenda
Webinar Recording: https://www.panagenda.com/webinars/hcl-notes-and-domino-license-cost-reduction-in-the-world-of-dlau/
The introduction of DLAU and the CCB & CCX licensing model caused quite a stir in the HCL community. As a Notes and Domino customer, you may have faced challenges with unexpected user counts and license costs. You probably have questions on how this new licensing approach works and how to benefit from it. Most importantly, you likely have budget constraints and want to save money where possible. Don’t worry, we can help with all of this!
We’ll show you how to fix common misconfigurations that cause higher-than-expected user counts, and how to identify accounts which you can deactivate to save money. There are also frequent patterns that can cause unnecessary cost, like using a person document instead of a mail-in for shared mailboxes. We’ll provide examples and solutions for those as well. And naturally we’ll explain the new licensing model.
Join HCL Ambassador Marc Thomas in this webinar with a special guest appearance from Franz Walder. It will give you the tools and know-how to stay on top of what is going on with Domino licensing. You will be able lower your cost through an optimized configuration and keep it low going forward.
These topics will be covered
- Reducing license cost by finding and fixing misconfigurations and superfluous accounts
- How do CCB and CCX licenses really work?
- Understanding the DLAU tool and how to best utilize it
- Tips for common problem areas, like team mailboxes, functional/test users, etc
- Practical examples and best practices to implement right away
Removing Uninteresting Bytes in Software FuzzingAftab Hussain
Imagine a world where software fuzzing, the process of mutating bytes in test seeds to uncover hidden and erroneous program behaviors, becomes faster and more effective. A lot depends on the initial seeds, which can significantly dictate the trajectory of a fuzzing campaign, particularly in terms of how long it takes to uncover interesting behaviour in your code. We introduce DIAR, a technique designed to speedup fuzzing campaigns by pinpointing and eliminating those uninteresting bytes in the seeds. Picture this: instead of wasting valuable resources on meaningless mutations in large, bloated seeds, DIAR removes the unnecessary bytes, streamlining the entire process.
In this work, we equipped AFL, a popular fuzzer, with DIAR and examined two critical Linux libraries -- Libxml's xmllint, a tool for parsing xml documents, and Binutil's readelf, an essential debugging and security analysis command-line tool used to display detailed information about ELF (Executable and Linkable Format). Our preliminary results show that AFL+DIAR does not only discover new paths more quickly but also achieves higher coverage overall. This work thus showcases how starting with lean and optimized seeds can lead to faster, more comprehensive fuzzing campaigns -- and DIAR helps you find such seeds.
- These are slides of the talk given at IEEE International Conference on Software Testing Verification and Validation Workshop, ICSTW 2022.
In the rapidly evolving landscape of technologies, XML continues to play a vital role in structuring, storing, and transporting data across diverse systems. The recent advancements in artificial intelligence (AI) present new methodologies for enhancing XML development workflows, introducing efficiency, automation, and intelligent capabilities. This presentation will outline the scope and perspective of utilizing AI in XML development. The potential benefits and the possible pitfalls will be highlighted, providing a balanced view of the subject.
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By highlighting the potential advantages and challenges of integrating AI with XML development tools and languages, the presentation seeks to inspire thoughtful conversation around the future of XML development. We’ll not only delve into the technical aspects of AI-powered XML development but also discuss practical implications and possible future directions.
UiPath Test Automation using UiPath Test Suite series, part 5DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 5. In this session, we will cover CI/CD with devops.
Topics covered:
CI/CD with in UiPath
End-to-end overview of CI/CD pipeline with Azure devops
Speaker:
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Observability Concepts EVERY Developer Should Know -- DeveloperWeek Europe.pdfPaige Cruz
Monitoring and observability aren’t traditionally found in software curriculums and many of us cobble this knowledge together from whatever vendor or ecosystem we were first introduced to and whatever is a part of your current company’s observability stack.
While the dev and ops silo continues to crumble….many organizations still relegate monitoring & observability as the purview of ops, infra and SRE teams. This is a mistake - achieving a highly observable system requires collaboration up and down the stack.
I, a former op, would like to extend an invitation to all application developers to join the observability party will share these foundational concepts to build on:
Best 20 SEO Techniques To Improve Website Visibility In SERPPixlogix Infotech
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Robin van Emden, Senior Director of Data Science at Network Optix, presents the “Building and Scaling AI Applications with the Nx AI Manager,” tutorial at the May 2024 Embedded Vision Summit.
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TrustArc Webinar - 2024 Global Privacy SurveyTrustArc
How does your privacy program stack up against your peers? What challenges are privacy teams tackling and prioritizing in 2024?
In the fifth annual Global Privacy Benchmarks Survey, we asked over 1,800 global privacy professionals and business executives to share their perspectives on the current state of privacy inside and outside of their organizations. This year’s report focused on emerging areas of importance for privacy and compliance professionals, including considerations and implications of Artificial Intelligence (AI) technologies, building brand trust, and different approaches for achieving higher privacy competence scores.
See how organizational priorities and strategic approaches to data security and privacy are evolving around the globe.
This webinar will review:
- The top 10 privacy insights from the fifth annual Global Privacy Benchmarks Survey
- The top challenges for privacy leaders, practitioners, and organizations in 2024
- Key themes to consider in developing and maintaining your privacy program
Sudheer Mechineni, Head of Application Frameworks, Standard Chartered Bank
Discover how Standard Chartered Bank harnessed the power of Neo4j to transform complex data access challenges into a dynamic, scalable graph database solution. This keynote will cover their journey from initial adoption to deploying a fully automated, enterprise-grade causal cluster, highlighting key strategies for modelling organisational changes and ensuring robust disaster recovery. Learn how these innovations have not only enhanced Standard Chartered Bank’s data infrastructure but also positioned them as pioneers in the banking sector’s adoption of graph technology.
Full-RAG: A modern architecture for hyper-personalizationZilliz
Mike Del Balso, CEO & Co-Founder at Tecton, presents "Full RAG," a novel approach to AI recommendation systems, aiming to push beyond the limitations of traditional models through a deep integration of contextual insights and real-time data, leveraging the Retrieval-Augmented Generation architecture. This talk will outline Full RAG's potential to significantly enhance personalization, address engineering challenges such as data management and model training, and introduce data enrichment with reranking as a key solution. Attendees will gain crucial insights into the importance of hyperpersonalization in AI, the capabilities of Full RAG for advanced personalization, and strategies for managing complex data integrations for deploying cutting-edge AI solutions.
Full-RAG: A modern architecture for hyper-personalization
Quota - InsurTech Innovation Award 2022
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A company by Invested by
The tool that makes tenants, landlords and real estate
agents happier by bringing transparency, protection
and speed to the rental process.
March, 2022
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* Sources: MSCI, Anticipa Real Estate, Eurostat, Idealista, Internal Research
1.1 Context: The real estate sector continues to grow, and
rentals do more
Global rental market up to $1.7 trillion in
2020. In Spain, +500K rentals per year
+50% in the next 10 years
Investment in PropTech, InsurTech and
FinTech reached $200B in 2021
The chimera of disintermediation. 70% via
real estate, servicers, large owners and
asset management companies
Asymmetric market, with much more
demand than supply
Asymmetry of information and lack of
digitized processes throughout the value
chain.
Post-COVID-19 accelerated digitization call
for changes.
Structure Opportunity
Size and trends
Rent Sell
0
10
20
30
40
50
60
2020
2016
2012
2008
2004
Total (ES)
From 16 to 29 years (ES)
From 30 to 44 years (ES)
From 45 to 64 years (ES)
65 and older (ES)
Total (EU 27)
Total (FR)
% of tenants within total households
Rent vs Sell price evolution in Spain
(Idealista Index, 2014: M1 = 100)
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Main challenges
Operational optimization
Transparency and Security
Financial barriers
1.1 Context: A play with three main characters
The house rental process is BOOMING characterized by increasing demand and the surge of diverse and more professional players las
build-to-rent funds, asset managers, servicer who usually manage hundreds to thousands of houses.
Tenants
Landlords Industry
professionals
The trend of digitization
Many claim tech will erase the
middleman,
BUT reality is showing the OPPOSITE,
It will help become LARGER, BETTER
AND MORE EFFICIENT.
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1.2 Problem: Starting a rental is expensive, complex and full of
friction points for all the parties involved
The rental life cycle concentrates most interactions and frictions at the BEGINNIG. Poorly optimized and automated,
these PAINS can’t be solved if addressed separately.
Before the rent During the rent After the rent
PAIN 1 : The financial barrier for a tenant to start a new lease.
This barrier is constituted by an excessive rent-deposit (three
months) and/or more requirements such as bank or personal
guarantees.
PAIN 2 : Lack of trust/transparency and fear of loss of the
landlord, either through non-payment or damages to the house.
PAIN 3 : Professionals deal with opposite requirements without
proper tools. Tenant screening, visits, payments and admin tasks
are done manually wasting time and money.
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1.3 Opportunity: A big market provides big opportunities
Digitization: Low
Competition: Low
Predominant channel:
Professionally mediated
Total market in Spain
* Calculation: 500,000 new contracts / year x 3 years of duration (36 months) x 750€ rent / month
500,000
New rental contracts
TAM
€13.5B*
Gross rental value
SAM SOM
Tenants under 35 years old
(~60% of total)
300,000
New rental contracts
€8.1B
Gross rental value
10% of SAM by 2027
30,000
New rental contracts per year
€24M
Revenue
(3% value)
€810M
Gross rental value
The situation provides an opportunity to extract value from a sector that is still very little digitized, which encourages
investment in PropTech to grow year by year.
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2.1 Solution: Complete offering for a complex issue
Two tools in a single solution that makes life easier for agents to select the best tenants and protect landlords, with a rent-
guarantee automatically attached to their leases and additional insurance on demand.
QuotaScore
Digital certificate for quality tenants
Process and select as many potential tenants
as you like
Reduce the number of visits to rent the
properties
Receive and offer transparency to your
customers
Reduce risk and increase your credibility
QuotaProtect
Rent-deposit guarantee and insurance
Two progressive levels of protection against
payment defaults and damages
A) 3-months rent deposit guarantee replacing
cash deposit: cheap for tenant, free for the
landlord*
B) 12 months insurance that costs to landlords
50% less than every product in the market
Build customer loyalty with the definitive solution
* Tenants pay the guarantee to save money over a cash
deposit, offering protection to their landlords
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2.2 Solution: Our solution in 4 simple steps
Streamlined rental process introducing technology for tenant validation and selection, while providing financial freedom to
the tenant and protection to the landlord.
1. The tenant
completes his profile
2. Quota validates the
tenant
3. The landlord/Agent
accepts the tenant
.
4. The tenant has a new
home!
And replace rent-deposit for
3 months rent-guarantee
CHEAP for the tenant
FREE for landlords.
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2.3 Solution: In the end, it's all a matter of trust
Quota reinvents the traditional relationship between tenants and landlords to provide greater financial security and
flexibility to both parties easing the work of professionals
Axis of TRUST
Rent-deposit
Traditional rent
insurance
Possible bank
guarantee
QuotaScore QuotaProtect QuotaProtect Plus by
1 month
1 to 3 months
3 months 6 to 12 months
Without Quota
The traditional solution only brings partial benefit
to the landlord because it costs him money and
reduces the number of potential tenants (demand
reduction effect). Also, the agencies still must
organize visits and collect all documentation by
themselves to check tenants’ solvency
With Quota solve all pains
QuotaScore: Collect documentation and find the
right tenant BEFORE visiting the flat
QuotaProtect: Offer 2 layers of protection to
landlords without spending a fortune
Both solutions combined: Allow tenants to reduce
their financial barriers by avoiding locking cash
into deposits as they offer additional information
and alternative guarantee
6 to 12 months
Compulsory
rent-deposit
50% cheaper than traditional
rent insurance
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2.4 Solution: Three main monetization channels
Our pricing and revenue stream allow us to increase the probability to succeed and increase financial profitability by splitting between
parties the cost of a fair valued service
QuotaProtect premium*
10 – 20% of one month of rent
40% gross margin
QuotaScore subscription
Currently tenant scoring based on volume starting at 100€/month
2022 Q4 → Use of the platform features: Payment gateway, contract management, claims, public admin.
Paid by tenant
Paid by landlord
Paid by agency/servicer*
* Agencies are client and sales channel as they can get commission as prescriber of insurance and financial products
Commission on insurance and financial products*
Currently 20% of rent insurance premium by DAS
2022 Q2 → Multiproduct marketplace available on the platform
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2.5 Product: Fast, reliable digital tenant validation. QuotaScore
Our QuotaScore is allows the selection of the best candidate through a secure and more transparent process, enabling a
reduction of administrative work by 90% and number of visits required to rent the house by 75%.
QuotaProtect max. coverage
Profile status
Rent recommendation
QuotaScore breakdown
More information and details
Executive summary
QuotaScore
Multichannel
communication
Up to 25 sources of dynamic data
Smart clustered
database
A.I.
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3.1 Technology: Proprietary technology and state-of-the-art
integrations
Quota's technological platform is developed on Bubble.io, a no/low-code web application development platform that has
allowed us to carry out a fast and flexible development of the product.
Tenant Onboarding and
User Area
Professional Platform
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4.1 Benchmark: International landscape and models
We have performed an exhaustive analysis of foreign companies and their models and picked the best practices.
Company Category Country Launch Funds raised Valuation
Digital insurance provider United States 2015 $481M $1,500M
Security deposit insurance United States 2016 $63M $310M
Security deposit insurance United States 2017 $140M $500M
Billing authorization technology United States 2017 $57M $210M
Digital scoring of tenants United Kingdom 2015 $10M $25M
Security deposit insurance United Kingdom 2016 $13M $65M
Security deposit insurance France 2017 $5M $25M
Digital insurance provider Germany 2015 $921M $3,000M
Security deposit insurance Germany 2021 Private Private
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Available Coming soon Not available
4.2 Competition focused on disintermediation via B2C
We focus on a B2B2C model, providing a compelling solution to realtors, asset managers and servicers who can deliver
better services to their customers in a digital, simplified and fast manner.
.
Key insight! Market size calls for co-
existence of different players. Competition
will rise awareness too.
Automatic tenant onboarding
Dashboard for professionals
Advanced Scoring
Deposit-free guarantee
Rent insurance (50% discount)
Chatbot (Visit form and Booking)
Pay in installments
Multiproduct marketplace
Connection with public admin.
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5.1 Unique Selling Proposition: Why Quota?
The post-pandemic situation, with the changes it has brought about, and the technological momentum provide the perfect setting for
the development of a project by a team that has already demonstrated its ability and the validity of its ideas.
Now
Investment in PropTech, InsurTech and FinTech is growing
exponentially demanding for efficient processes through
technology.
We are the first to deliver a complete solution tailored to the
professional sector, and by investing in technology
development, sales and marketing. we can leverage our first-
mover position before new competitors rise in the market.
Us
Team: Two committed, energetic and complementary
founders and a team of young and international
professionals.
Technology: We develop our own solutions and, based on
3rd party products, we deliver the best customer experience
in a frictionless process of information and data collection.
* Source: Ft Partners, WTW, KPMG, Astorya VC, CRETI
AI and Big Data scoring
Digital onboarding
Multichannel lead
management module
Financial flexibility and
protection
Multiproduct
marketplace
Task-oriented chatbots
Dashboard for
professionals
Tenant matching engine
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+20 agencies signed
agreement
€3,200 monthly income
in pipeline
6.1 Present : Proof of Market
Since launching our commercial operations in December 2021
we have received much attention and engagement from our
clients, especially professionals and tenants.
+1,300 tenants onboarded
Facebook Ads, Organic, B2B2C
€1.75 per lead
+1,000 real estate agencies in CRM
Google, Social Networks, Newsletter, Organic
+10,000 RE professional leads
Newsletter email list
+250 completed
profiles with
sensitive docs
€9.1 per qualified lead
2 pilots running since
February
€800 and +€6,000 monthly
income in pipeline
Key insight! 100% of tenants expressed
their interest in paying for QuotaScore +
QuotaProtect vs available alternatives
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6.2 Future: Consolidation and expansion plan
Technology, guarantee and insurances can be adapted quickly to other geographies,
where proper partnerships can accelerate our plan. Europe seem the easy choice to test
international expansion, besides LATAM provides large scale.
2023 2024
2022
10,000
transactions
1,000
transactions
1. Spain Madrid, Barcelona, Valencia
2. Italy Rome, Milan, Turin
3. Germany, France, Portugal, United Kingdom
4. Other countries in EU and LATAM
3. France
1. Spain
3. Germany
2. Italy
3. UK
2
1 3
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7.1 Team: Diversity, passion, expertise and vision
Our two energetic and competitive founders lead a team of young professionals with passion and ambition to succeed in
the industry.
In addition, these institutions
provide us talented rookies:
Giovanni Buono (CEO)
MBA in ESADE with +15 years of
experience in FinTech,
PropTech, Telecom. He teaches
innovation applied to RE and
Finance at LUMSA and
24oreBusiness School
Jesús Ramos (Product &
Operations)
People-centric professional with
+5 years of experience in
international business and
strategy consulting. Versatile,
hyper-fast learner and tech-
passionate
Emilia Laviero (UX/UI Design)
With love from Buenos Aires
Holiday Gym
David Perez (Sales)
Young, talented and hungry
Remax Premium
José Freán (Marketing)
Art and Communication
made person
ESIC
Rashid Ibrahimli (Data Science)
Passionate about mathematics
Bosch, Rapid LTD, Backer Huges
Partnership established to
work on data modelling and
predictive algorithm with three
Tech, Business and Data
Science profiles
Data Science
Program
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7.2 Investors and Advisory Board
We are supported by an amazing team of advisors who guide and accompany us in the development and distribution of
our solutions to the market. We strive to be surrounded by expert professionals with years of experience, knowledge and
network in relevant sectors for Quota.
DAS
Insurance. Aitor Cruz (Chief Marketing,
Innovation & UW-Pricing Director) and Patricio
Ilyef (Head or Organization and IT)
Vanesa Carceller
Real Estate. Former Managing Director at JLL,
Bluestone Asset Management and Servihabitat
David Uriarte
Real Estate. CEO at Aticco Coliving, former
Managing Director at Pierre&Vacances and
Barceló Hotel Group
Think Bigger Capital (15%)
Pre-seed investor. Follow-up investment option
in next round up to €500K
Carlos Pérez de Yrigoyen
Real Estate. Former Commercial Director at
Haya RE, Bain Capital Credit and Anticipa RE
Kiyomi Cerezo
Real Estate. CEO at T3N Sport & Investment.
Connected to Gilmar Consulting Inmobiliario
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Top 10 Finalist
8.1 Achievements: Challenges and events
Since the beginning of our journey, we have participated in multiple challenges and events, frequently receiving amazing
feedback, prizes and the energy that pushed us to continue. We have succeeded repeatedly and have been rewarded as
winners or finalists in many of these occasions.
confidential
Top 5 Finalist Top 5 Winner Top 2 Winner
Esade Alumni & Idealista Real Estate
Innovation Challenge (March 2022)
DAS Innovation Lab, powered by Attico Lab
(Nov. 2021 – Apr. 2022)
EQUIFAX Rental House Business
(Mar. 2022)
ACA Insurance Innovation Awards in
Luxembourg (Nov. 2021)
Top 10 Finalist
SuperConnect For Good
FinTech Shortlist (Sep. 2021)
Incubation and
pre-seed
investment
Think Bigger Capital funded the company in ’21
and keep a €500K ticket for the next round
And other events and distinctions:
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Index
1. Context, Problem and Opportunity
2. Solution, Products and Technology
3. Benchmark, Competition and USP
4. Achievements and Future
5. Team,Advisory Board and Investors
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4.1 Achievements with excellence: Legal protection and
coverage
We are supported by top-notch professionals in the industry that have enabled us to take the first steps on this project by
delivering the first deposit-free guarantee solution available in Spain. Further, we are in conversations with some of the
leading insurance companies in the continent in order to maximize our coverage and provide better services and
protection to our clients.
Legal excellence
We paid extreme attention to
fulfil the whole legal spectrum
when building our services.
We produced several top
contracts for our terms and
conditions
We covered all the regulatory
topics, from traditional
insurance to tech-related
frameworks, as well
compliance to Data Protection
GDPR rules
Insurance brokerage
We have signed an agreement
and are registered as legal
collaborators of VIDA SR, a
brokerage firm with more than
80 years of history
Official insurance distribution
training course – Level 2, in
progress
Access to most insurance
products and firms in Spain
(Home, Life, Healthcare…)
Insurance coverage and partnerships
Participating in the 1st DAS Incubation Programme
(among 5 winners). Already distributing DAS exclusive
products (QuotaProtect Plus)
In conversations with Covéa group (France), Eir
Försäkring (Sweden) and others to cover our risk
through pecuniary losses and surety insurances
Integration with cutting edge platform, e.g., Luko
(France), to complete our offering with compelling
additional coverages for both tenants and landlords
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4.1 Achievements: Testimonials
Our customers and partners love us, with extremely positive feedback about our services and support.
Now I have the coverage I need
I got a new couple as tenants for my
apartment that I am happy with.
Jesús helped me through the
process to contract the rent
insurance I wanted and solved all the
doubts I had.
Alejandro – Landlord
Fast and reliable support
We get a reliable tenant evaluation
that allows us to save time and give
more security to the owners.
Now we are closing our deals faster
thanks to the additional protection
we provide.
Ricard – Professional
Saved a lot of money to spend where
I wanted!
Thanks to Quota my friends and me
saved more than 2,000€ that we
need to live in Madrid.
Everything has been fine so far, and
we have a great relationship with our
landlord.
Adriana – Tenant
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Marketing and Sales
60%
Technology
20%
Operations
20%
6. Financials: Growth and funding roadmap
€1M equity seed
4Q ‘22 – 1Q ‘23
Already committed: €40-60K
Conversion: 30% discount in next round (expected in 2022 Q4)
Interest (without conversion): 7% annual
Proceedings Goals
Data
30,000 profiles
Product
60% roadmap
Sales
1,000 to 10,000 contracts
1,000 agencies
5 RE funds
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155 € 171,559 €
1,057,247 €
2,692,877 €
8,724,970 €
17,307,796 €
- €
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 €
20,000,000 €
2021 2022 2023 2024 2025 2026
REVENUES
6. Financials: P&L forecast
A credible business plan, aiming to reasonable market share and timing to establish strong presence in the domestic
market and international launch after 2.5y operations
Trends in RE, insurance and finance plus an accurate balance between tech, operations, marketing and sales-effort support our numbers
-62,374 €
-314,517 €
-891,187 €
-2,940,021 €
461,201 €
5,221,427 €
-4,000,000 €
-3,000,000 €
-2,000,000 €
-1,000,000 €
- €
1,000,000 €
2,000,000 €
3,000,000 €
4,000,000 €
5,000,000 €
6,000,000 €
2021 2022 2023 2024 2025 2026
EBIDTA
27. confidential
27 confidential
2.3 Technology: Roadmap for the next 24 months
2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q4
2023 Q3 2024 Q1
Pay in installments
Task-oriented chatbot
Payment initiation: Recurring rent payments
New products
Social login
Multilingual platform
UX
New products
Digital KYC
Marketplace
Financial insights
UX
House listing
Growth
UX
AI-based scoring
R&D
CRM integration
API connection
Credit-bureau
Social references
R&D
Growth
Public admin.
connection
New products