We discuss a potential customer journey for a automotive insurance use case. Taking into consideration that GDPR regulation as well as other regulations need to be adhered to.
AICAS enables the data capturing for in-vehicle data collection as well as after market solutions.
www.aicas.com
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AICAS Automotive Insurance
1. aicas for automotive insurance.
A joint value proposition to build on!
Norbert Steinhauser| November 2020
2. Talking Points
Vehicles are changing rapidly and not just the powertrain, but mostly in terms of
software and mobility service packages around it!
Digital use cases are accelerating! Aicas provides the long term experience in IVI,
telematics and automotive engagements to help you to catch them!
aicas is about partnering and across stakeholders in automotive as well as third parties.
We are your partner to accelerate digital value!
3. A potential Customer Journey for Telematics Insurance Use Case
Prerequisite Interest Data Sharing Access to Data
Vehicle data is
captures (3
previous months)
Customer wants
to renew her
insurance (phone,
app, online, in
person, portal,
etc.
Customer allows
data sharing (e.g.
via app, cloud,
token, etc.)
Insurance
company (-ies)
get access to data
($ for data,
inverted auction,
etc.)
Data stored in
vehicle or in cloud,
Embedded or
aftermarket
hardware
Data needs to be
accessible at all
channels across
CRM systems
Realtime access
to data in
compliance with
GDPR
Data only
accessible after
authorization by
customer (with
auditable proof)
JourneyRequirements
Offer
Insurance
company
calculates
premium and
provides offer
Standard
insurance
company order
process
Order
Customer accepts
/ declines
Telematics
insurance offer
Customer data
retained once
order is accepted
or deleted in
accordance with
GDPR
Further Data Use Cases:
• Data (e.g. OBD-data) can be used for mobility services (repair)
• Data can be sold to car dealerships or other 3rd parties
4. Consumers are More Willing to Share Data When There is a Safety
Benefit
Source: PTOLEMUS
European Consumer Attitudes towards Data Sharing
Remote access to location
in case of breakdown
0% 100%50%25% 75%
Remote access to
diagnostic data
Insurance offer based
on miles driven
64%
42%
32%
32%
22%
12%
78%
36%
58%
88%
68%
68%
Real-time eco-driving
support
Insurance offer based
on driving style
Synchronize data
with phone
• Consumers are becoming increasingly savvy regarding how
their data is used
• The Facebook-Cambridge Analytica data scandal 2018
caused a backlash against tech companies that based
their business model on data
• What is more, while consumers are used to trade data for
services, sharing location data from vehicles could be a
trickier sell
• Attitudes to privacy and data use vary by country, as does
regulation
• The FIA1 found that remote location access in case of
emergency was the most accepted use of vehicle data
among European consumers
• A survey by HERE in 2019 found that 70% of consumers in
10 markets share their location at least sometimes, 2%
higher than in 2018
• The increased willingness is clearest in the mobility
sector, where 76% of consumers are likely to share
location data with navigation, maps, transport and
other mobility services
• UK citizens are more likely to share location data,
while the French and Germans are last
5. 5 Approaches to Facilitate Connected Car Data Sharing
In-Car Interface
Neutral Server
Initiative
Extended Vehicle Data
Architecture
Data Market Place
Aftermarket Devices
Connected Car
Data Sharing
Based on PTOLEMUS
6. The Market for Car Data Sharing Could Shift from Aftermarket
Solutions to Embedded Solutions
How OEMs can Widen the Opportunity of Embedded Devices
From Aftermarket Installed Solutions
• Until recently, the OEMs had not found a business case
to chare car data
• Cars were not connected
• Connectivity was too pricey
• Users were not ready to pay for connected data
• Thus the collection of car data relied on aftermarket
telematics devices
• Creating new cost items (device sourcing,
installation, connectivity, …)
• Resulting in complexity, unfriendly user experience
and sometimes impractical situations (e.g.
inaccessible OBD ports)
To Opening Gates to Connected Car
• Cars are being connected and equipped
with an increasing number of sensors
• A large number of stakeholders wish to
collect reliable car data at a moderate
cost
• A large number of players are interested
in using the data to provide more
advanced services to the end user
• As a result, multiple sources need to
send the data to multiple players,
creating a very complex environment
Based on PTOLEMUS
7. 9 Main Challenges That Impact OEMs‘ Willingness and Ability to share
Data
Create a Customer
Experience / Sell Cars
What are the challenges
around sharing data?
Technical ImmaturityRisk Aversion
Slow Business
Transformation
Build an
Ecosystem
Lack of
Understanding Value
Manage Safety
and Security
Find the
Business Model
Manage Privacy
and Compliance
Based on PTOLEMUS
9. But…
The Debate on Third Party Access to Car Data is raging … … Legislation could Come Soon
”Giving third-parties direct
and uncontrolled access to
data in a moving vehicle is an
open door for hackers. How
well would you sleep at night
with your front door wide
open?”
”The safety of drivers
and passengers is
paramount to us.
That is why we need
to use this secure
off-board model for
data sharing”
Erik Jonnaert
ACEA Secretary General
”Monopolistic behavior in
data markets benefits the
OEMs but is likely to
diminish welfare for
consumers and aftersales
service providers”
Bertin Martens
European Commission
”Data does not
belong to the
manufacturer.
Access to data
must be non-
discriminatory”
Jean-Marc Zulesi
French MP
”Vehicle data access
is probably the most
significant issue
facing our industry”
Aaron Lowe
Auto Care Association
”I am worried
that Renault has
partnered with
Google on the
connected car”
Jean-Marc Zulesi
French MP
Dr. Christian Knobloch
IT Strategy Consultant
Karima Delli
Chair, Committee on
Transport and Tourism,
European Parliament
”The idea that the Extended
Vehicle is a model whereby
OEMs share equally vehicle
data and functionalities – is a
myth.”
”Off-board Extended
Vehicle models are small
in number and severly
limited in functionality
and extend of data.”
”Data can
not be the
property of
only a very
few”
”Tomorrow’s mobility
will not happen
without independent
repairers nor mobility
start-ups”
”I wrote a letter to Mr.
Breton asking that
access to car data
should be fair,
transparent and stable”
”In the context of the
European Green Deal,
the repairability of the
car is going to be a key
issue”
Source: PTOLEMUS
10. Hunger for Data versus Privacy
”The raw data does not belong to PSA. We provide
it to insurers and through neutral server.
But we don not intend to make money from the
data, just cover our costs (telecoms, cloud, etc.)”
”Internally, the most valuable data category
is diagnostics.
We want to grow the quantity and quality of
diagnostics data sets. Today we hear about
issues through dealers.”
”GM’s fleet represent 89 million vehicles and
all new vehicles since 2014 are connected.”
”We wanted data hub supplier that had the
capacity of tracking use cases, even small
ones for small clients.”
”The customer will be notified by BMW in case of a
third party request access to his car’s data. He is
able to understand in detail what vehicle data a
third party requests.
He can also decide at any time on the third parties
data access request –and at any time revoke it.”
OEMs agree on the Major Potential of Car Data
”Since 2013 all BMWs have inbuilt SIM
cards. We have 10 million connected
vehicles on the road globally.”
Robert Welborn
General Motors
Jessica Rosenworcel
FCC Commissioner
”For just a few hundred dollars, shady middlemen
could sell your location within a few hundred meters
based on your wireless phone data.
It is chilling to consider what a black market could
do with this data.
It puts the safety and privacy of every American with
a wireless phone at risk.”
”The “data hunger” off our ever-smarter cars is a
real concern for drivers.
The auto industry therefore needs to step up and
make it much easier for drivers to understand what
data is being collected and for what purpose .”
Tex Gunning
LeasePlan CEO
11. The Driver will benefit from a smarter Journey
Source: PTOLEMUS
• Save time
• Growing set of
applications
• Trip recalculation
• Understand alerts
• Easy parking
• Increased safety
• Personalized programs
• Traffic information and
management
• Infotainment
• Reduce downtime
• Predictive maintenance
• Avoid breakdowns
• Prevent car theft
• Pay per use
• Purchase vouchers
• …
Increase
Operational
Efficiency
Enhance Customer
Experience Save Money
13. Partnering Opportunities towards Monetization
Transaction Fee
Charging of Access (or Enhanced Access)
Charging for Enhanced Curation
• Percentage of Transaction
• Fixed Fee
• Advantages:
• Does not hamper network effects
• Charging only when a transaction occurs
• No discouragement to access platform
• Disadvantages:
• Natural incentive to move transactions off the platform
• Communication between platform participants needs to be
controlled
• Charge producers to access a community of users or charge for
better / more functional access
• Charge for lower barriers to access more users
• Advantages:
• Typically does not harm network effects
• Clear differentiation between premium versus organic content
• Disadvantages:
• Can increase noise on the platform and thereby reduce content
relevance for users
• Charge for providing relevant content to users
• Advantages:
• Positive network effects are driven by quantity and quality
• With very large contents, customers find it very hard to find
quality content
• Disadvantages:
• Effort for curation needed
Freemium Offers
• Advantages:
• Easy way to attract many users
• Disadvantages:
• Very difficult to upsell users from
freemium to premium
Whom to Charge
• Charging all Users
• Discourages participation
• Charging one side while subsidizing another
• Charge group A but provide for free to
group B (or incentivize)
• Charging most users full price while
subsidizing stars
• Premium content providers are
subsidized while all other users pay full
price
• Charging some users full price while
subsidizing users who are price sensitive
14. * Source: Focus2Move
5 of top Ten* auto
companies rely on aicas.
aicas software runs in
more than
20 million vehicles worldwide.
5
10
15. 2 of the top 5* in-vehicle infotainment
manufacturers rely on aicas.
2
5
• Retain your customer data
• Complete screen control
• Own the customer relationship
• Built-in Alexa support
• Full architectural flexibility
• Shortened response time
• Lessen system memory Drain
• Deploy smaller CPUs
• 1/3 less development effort
*Source: sourcetoday.com
16. Select Customers.
Use Case Entry level IVI system
Location based
services
Autonomous Vehicle
Requirement
User friendly
compact software
application
framework for
limited hardware
requirements now
running in millions of
vehicles.
Reduction of
software complexity
by use of a
middleware while
deleting the porting
efforts of each
application.
Complexity of
applications while
keeping response
times low utilizing
the full hardware
capabilities
Offer JamaicaCAR JamaicaVM Realtime JamaicaVM
Telenav Perrone
Robotics
Panasonic
Uconnect
17. AICAS Purpose / Vision
AICAS Embedded. Connected.
We help our customers to get the maximum benefit from their
data. We do this by providing an open platform for data collection
and software management on devices. By connecting everything
everywhere anytime, we ensure the right data gets to the right
place at the right time. We build safety, robustness, and security
into our products and services. Our customers own their data.
18. Implementing the AICAS Purpose
Data
Collection
We simplify and
accelerate the
collection of
data from
embedded
endpoints
(sensors,
actuators,
control
systems).
Software
Management
We enable
universal
lifecycle
management for
the software
running on
embedded
systems.
Everything,
Everywhere,
Anytime
We run on many
different
embedded
compute
platforms
enabling digital
transformation
in key industries
and use cases.
Right
Data
We enable the
choice of what
data is to be
transmitted and
to the most
valuable use.
Open
Platform
We provide
platforms open to
industry-standard
and custom
interfaces and
APIs, so that 3rd
parties can easily
use and innovate
on-top of our
technology.
Right Place,
Right Time
We ensure that
the data is at
the right time
at the right
place so that
customers and
partners obtain
the highest
value from
data.
Safety,
Robustness,
Security
We ensure that
customers can
build safe
applications
that run and
enable security
for IoT
functions.
Customers
Data
We do not take
possession of
our customer’s
data. The data
is yours only.