deeper research of disruptive technologies

Disruptive

A good hockey player plays where the puck is. A great hockey player plays

where the puck is going to be.

BrandInnovation

TechInnovation

NetworkInnovation

Are we on a hamster wheel andNeed to get off?

Do we need to nerd up?

Its winter coming to insurance as we know it!

Are we in Pugging Trouble!

BrandInnovation

On average coffeesfrom vice are

€3-€4.50

Customers arededicated to anaspirational idea

According to the book Authenticity, customers do not buy products just on price. The idea of a real cup of coffee that's distant from the mass manufactured Starbucks coffee is now disrupting marketing in both food and drink.

This feelsvery real

This feelsvery real

This is a disruptivebusiness modelif Starbucks is

playing catch up

Progressive have achieved this through making the idea of insurance simple and friendly. This shift in progressives brand strategy has helped to dominate a large chunk of the market.

This was so successful that the brand has spilled over into pop culture as people dress as Progressives mascot for Halloween.

Pre Credit Crunch

The first generation iPhone was released

on June 29, 2007

2007

Pre Credit Crunch

The first generation iPhone was released

on June 29, 2007

96% of Irish 15-35 year olds own a smart phone.60% of smartphone users own an iPhone.

Android (36%) was the second most popular OS, followed by Blackberry at 3%. *Thinkhouse Report

2007 2014

Post Credit Crunch

During the Crisis most financial institutions were seen as ugly and evil

Customers were left with a bad taste in their mouths from the crisis

Post Credit Crunch

Post Credit Crunch

Brands now want to look shiny, fresh and cute to change the mindset of the customer!

Post Credit Crunch

Due to the need to rebrand quickly, several brands have reflected the same uncreative ideas in their campaigns. This has led to many brands becoming interchangeable in the customer's eyes

PayPal Shares Pop 8.3 Percent Following eBay Split Valuing PayPal At More Than $50 Billion

Everybody expected PayPal (NASDAQ:PYPL) to be worth more than eBay following its split with its parent company (NASDAQ:EBAY), but not that much. After a short period of trading on a

“when issued” basis, PayPal is now officially an independent company. On its first day of trading, shares opened at $41.63, 8.3 percent above Friday’s last temporary closing price before its

public introduction.

Flo targets Millennials! She's safe, simple and easy to understand. Why?

The Recession didn't just postpone financial independence for millions of young Americans. It also changed our attitudes about what it means to be an adult.

In August 2010, Robin Marantz Henig observed in New York Times Magazine that Generation Y (the Millennials) has pushed back each of the five milestones of adulthood: completing school, leaving home, becoming financially independent, marrying, and having a kid. Why won't Millennials grow up? she wondered.

The biggest reason is they can't, according to the Pew Research Center's fantastic new survey "Young, Underemployed, and Optimistic." It begins with school.

http://www.theatlantic.com/business/archive/2012/02/adulthood-delayed-what-has-the-recession-done-to-millennials/252913/

The good news is that more young adults are enrolled in school than ever. The share of 18- to 24-year-olds enrolled has increased by 50% since 1990. That's awesome. Less awesome is that the cost of college is rising, too. Average debt

for public college

students doubled between 1996 and 2006. It's less advisable to invest in marriage with $30,000 in student debt as a couple. "More than one-in-five young adults ages 18 to 34 (22%) say they have postponed having a baby

because of the bad economy," Pew reported. "Roughly the same proportion say they have postponed getting married."

http://www.theatlantic.com/business/archive/2012/02/adulthood-delayed-what-has-the-recession-done-to-millennials/252913/

If school years delayed financial independence, the Great Recession just about shattered it. Due to economic conditions, 24% of young adults have moved back in with their parents for a significant period of time. "Among those ages 25 to 29, the share moving back home rises to 34%," Pew reports. One in three!

http://www.theatlantic.com/business/archive/2012/02/adulthood-delayed-what-has-the-recession-done-to-millennials/252913/

How brandsspeak to

Thecustomer

Millennials (also known as the Millennial Generation or Generation Y)

Brands are swinging hard to generate an emotional response from their target

customers. Using childhood as a way to make the customer feel safe and unintimidated

Most ads seem tobe set in toyworld and

nothing bad everhappens in toy

world! Not evena financial crisis

seemingly?

Most of the propsand character's

are at a earlylearning level of

Design.

Before gender began to

influenced how we played to reinforce the

idea of a simpler time.

But this is a trend of

recession, the need for

nostalgia and distraction from bad things is in

the public psyche

Film represents Saturday morning cartoons

Video Games are bigger than Hollywood

We have faster access to celeb culture. Daily

Mail Online has huge users.

Celeb drama reflecting in

films

People usebrands to

definethemselves

We need todiverge tosurvive as

more enterthe market

BrandInnovation

Takeaway:

we need to have a stronger identity to engage with customers

TechInnovation

In the beginning we had to visit places for good and services

As technology allowed us to communicate better, goods and services came to us

Meaning more and more can be achieved with better user experiences

Artificial intelligence

Zuckerberg reveals Facebook's AI

Zuck says Facebook's in the midst of building AI systems "that are better than humans at our primary senses." They're designing one to be able to detect everything in an image or video: people, objects, animals, backgrounds and locations, among others.

If it can understand what's in an image or video, it could, for instance, tell a blind person what it's about. The other system they're working on focuses on language, so that it'll be able to translate speech to text and text from one language to another, as well as answer questions in conversational lingo.

Of course, these AI systems' most obvious application is being able to surface more relevant News Feed entries for users and giving everyone a new way to consume posts on the site.

Artificial intelligence

Snips Grabs $6.3 Million To Add An Artificial Intelligence Layer To Your Phone

French startup Snips just raised $6.3 million (€5.6 million) in a seed round led by The Hive, with participation from Eniac Ventures, 500 startups, Brent Hoberman, Xavier Niel and Bpifrance. The company wants to add some sort of artificial intelligence layer on top of your smartphone so that you can use your phone more efficiently.

In pragmatical terms, Snips will release in the near future a new Android home screen as well as an iPhone app so that it can show you relevant information and apps when and where you need them. In many ways, this pitch is very reminiscent of smart Android home screen startups, such as EverythingMe. The iOS app might just be an intelligent app launcher.

http://techcrunch.com/2015/06/26/snips-grabs-6-3-million-to-add-an-artificial-intelligence-layer-to-your-phone/#.lfbegm:avYL

Snips has been around for a while, focusing on smart data analysis with a lot of data scientists and PhDs working for the company. The team didn’t have a product or business model in mind. It experimented for a while, launching projects around smart cities, such as Tranquilien, a service that predicts how busy your train is going to be, or a smart empty parking spot prediction service.

http://techcrunch.com/2015/06/26/snips-grabs-6-3-million-to-add-an-artificial-intelligence-layer-to-your-phone/#.lfbegm:avYL

What the flip does A.I. have to do with

Insurance?

Dungeons and Dragons, Insurance and Artificial

intelligence

Dungeon Master & Insurance Company

A Dungeon master controls the game. He

has rule books for every event he can

think of, within reason. He says what's with

the rules of the game and not. He can

reward the players ability

The little castle is not for show, its called a DM screen. He can hide behind that to tweak the game for each

event. We need to keep the game flowing and to cover his human errors, bad dice rolls. Much like our call

center he may not always have the right info in front of him so he need to hide.

By 2005 his job can be done by an AI.

The AI will be able to react faster, give better feedback, call up information faster.

The Director, sometimes referred to as the AI Director, or simply as AID is the artificial intelligence of Left 4 Dead that features a dynamic system for game dramatics, pacing, and difficulty.

Instead of set spawn points for enemies, the Director places enemies in varying positions and numbers based upon each player's current situation, status, skill, and location, creating a new experience for

each play-through. The Director also creates mood and tension with emotional cues such as visual effects, dynamic music and character communication. Moreover, the Director is responsible for spawning additional health, ammo, weapons, and Special Infected, like the

Witch or the Tank.

It should be noted that there is another Director in the game, which controls the music on a per-player scale, called the Music Director.

This article will only deal with the main one, the Director in charge of spawning enemies and items.

The Director

On the most basic term, Insurance will move to an AI in the

next 15-25 years.

Being able to track all your information through devices,

calculate problems before they happen thus reducing the

need for our Dungeon Master/ Insurance Company we know

today.

Thanks to google maps mycar will slow down forme. This if I am drivingmy car. Black spots willgenerate from all thedata returning from

each car accident. ( Ifself driving cars crash?)

Insurance today Insurance 2025

TechInnovation

Takeaway:

Machine learning will help overcome the old models

BusinessModel

Innovation

SponsoredEvents

US Startups

Tech Entrepreneurs arelike Vikings!

The will go from villageto village burning

down industrystandards if there is

Gold to be had

Vehicle insurance is moreattractive as it’s a need

not a want. Depending onhow Apple positions the

space they may allowstartups to enter the market

through Apps

It’s a space that insuranceneeds to quickly innovate

Only barrier is legislation

Home insurance alreadyhas innovation with

the nest.

Home insurance is anice point of entry

as anyone withintelligent devices

are early adaptors.

But moreimportant

It may come fromsomewhere

we lestexpect!

Gadget insurance is going to become more and more important in the future.

It can be the tool for early adoption, education and to begin the first step intomoving Axa into the internet of things.

Bit like the €5 top ups that converted early mobile phone users

£1000£600£400£100

£1000£600£400£100

£300

Feedback loop

Feedback loop£50

£50

Feedback loop

Smart devices

Home owners

Vehicleowners

Business owners

You don’t need

insurance ever again

just a membership

to the service.

Saves you time, money and worry

Google

Apple

Nest

Other smart tech platforms

Early waring AI system

Payment for membership. Cost of developing the system

Our intellige

nce system

removes worry

Dev team

Who is going to dominate this space

Who is going to dominate this space

Who is going to dominate this space

Who is going to dominate this space

Apple was working on a project that would "give Tesla a run for its money

Financial Times and other media sources speculated that Apple was perhaps developing an advanced software platform to build upon what it introduced with CarPlay because a full-on car project sounded unbelievable, but just hours later, The Wall Street Journal launched a figurative bomb. Apple is indeed working on creating an electric vehicle, said the site, a project that it started exploring last year.

Takeaway:

Big data from new technologies collecting together

BusinessModel

Innovation

BrandInnovation

TechInnovation

BusinessModel

Innovation

Brand positionis vital forthe future

engagementwith customers

Better AI willallow us tobetter trackcustomers

New technologyand Competitors

using datacollectionto developnew waysof assess

customers