KIWU helps reduce user churn and ensures acquisition and scoring of new customers.
Mobility Insurance for emerging Homo Mobilis
Low Mileage Combo Insurance
Broader Personal Mobility Insurance
Professional Drivers
Micro-Insurance
Micro-Mobility Insurance
KIWU is a new technology
solution for insurers
KIWU implements customised AI/ML algorithms to automatically build and update a digital model of the end user, which can be used not only to create risk profiles and improve driving style, but also to provide intelligent recommendations to decrease the cost of vehicle ownership cost and increase business efficiency for B2B customers. Additionally, background data collection helps to mitigate fraud risk. In the case of an accident, KIWU is also capable of using sensor data to indicate first notification of loss and facilitate incident reconstruction or forensics based on analysis of the driving data. Contextualised data, including the vehicle data and the road infrastructure / ITS data, could be used for possible fraud investigation. The list of integrated data sources is country specific.
Brokers 
MGAs 
Insurers 
Underwriters 
for Insurance
Data ingestion from multiple sources
KIWU platform is integrated with a number of external systems providing data required for enriching user data collected through the KIWU mobile app. External data collected includes user / driver data, the driving conditions and environment, such as GIS data, traffic data and current traffic incident data, historic accidents data, weather data, roadside equipment data and information from external data aggregators, including connected vehicles.
Data analytics of new granular level in real time, risk prediction
KIWU data analytics system performs advanced analysis of dynamic user data contextualised with data originating from external systems. It enables identification of vehicle usage and driver behavioural patterns. The first level of data processing identifies events characterising driving behaviours, such as road manoeuvres, including their quantitative metrics and context, phone usage during driving, speed limit violations, and potential incidents. At the second level, the trip profile is computed based on user behaviour, historic incident data, route location, and configuration. At the third level, the user profiles are built based on a number of individual user trips. Once the user profile is complete, each subsequent trip is benchmarked vs. the statistical user profile, enabling such characteristics as route familiarity index. In total, over 1500 different metrics are computed.
New Products, Use Cases and Distribution Channels
The KIWU platform can be used to create products that are tailored to individual customer need, maximising the latest in technological advancements. KIWU integrates seamlessly with numerous mobility insurance, affinity partners using API or our off-the-shelf SDK to enable new user acquisition.
Marketing, Sales and User Loyalty Management Platform
The KIWU platform enables modern insurance. Insurance that is varied, personalised, tailored & flexible and as a result more appealing to the emerging Homo Mobilis. As a result, the improved customer experience helps reduce customer churn and increases customer satisfaction levels.
Digitalisation Suite
for Insurance
The new technologies deployed in KIWU’s platform helps insurers improve operational efficiency, reduce costs, and better serve their customers. KIWU makes new customer registration, on-boarding, product customisation and policy management seamless and will improve marketing RoI in addition to contributing to user retention.
Anti-fraud, user protection
KIWU’s data analytics and user validation mitigates fraud risk. KIWU’s mobile-phone-based telematics and background recording of mobility data all contribute to improving user security.
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