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Vehicle Telematics at an Italian Insurer: New Auto Insurance Products and a New Industry Ecosystem

Giovanni Vaia, Erran Carmel, William DeLone, Harald Trautsch, Flavio Menichetti

Abstract


This article describes how a partnership between one of Italy’s largest auto insurers (Unipol) and a systems integrator (Octo Telematics) yielded a new and profitable customer value proposition for the insurer based on a customer’s driving and risk profiles. The heart of the system is a small telematics device installed in a vehicle that captures and transmits data about where, when and how the vehicle is being driven. The emergence of the new ecosystem of stakeholders to support telematics-based auto insurance provides lessons for leaders in other industries as they explore the transformative potential of emerging technologies.

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The mission of MISQE is to encourage practice-based research in information systems and to disseminate the results of that research in a manner that makes its relevance and utility readily apparent.
ISSN 1540-1960