[Music] there [Music] [Music] [Music] Oh [Music] [Music] [Music] I'm Alba Montfort I'm CEO and founder of the flow the flow our mission is really straightforward it is about making individual mobility safer and smarter for everybody in the world we do that by harnessing the forces of software sensors and data this means we are a very technology focused company we've grown from 3 to 80 plus people in less than five years and 70% of our staff are scientists computer scientists data scientists and social scientists we support leading insurance companies around the world our clients span from the UK Nordic market Ireland continental Europe North America South Africa and more recently China and we serve them with device agnostic telematics which means you collect data from smartphones OBD devices black boxes and increasingly we collect data directly from vehicle manufacturers who see us as a critical monetization partner the question I get asked a lot is why do large organizations engage with the flower and fundamentally it boils down to first principles of insurance organization leaders initialize organizations who select to work with the flow they believe that the first thing people about their business is standing behind the promise and the promise is to support an individual when something bad happens in the life which can range from the mildly inconvenient to the potentially catastrophic they want to stand behind an individual when that happens and in order to do that to a level of excellence they need to get two things right one is they want to price fairly they want their financial product to be fairly priced and fairly priced products a profitable product and secondly they want to engage with the user offering them a rich digital experience and we do that by harnessing the forces of software sensors and data we harness the forces of these tremendous assets to deliver superior pricing performance our scores and analytics are demonstrably very predictive of propensity to claim however a we call importance will also help them deliver engaging and user propositions to their customers whether it's about emergency recovery whether it's about education or it's about online reward insurance companies rely on the flow to deliver engaging end-user services based on a granular understanding of individual mobility at the flow we have a number of unique differentiators the first one is our telematics law firm is designed to be completely device agnostic this means we collect data from smart from standalone any kind OBD devices other aftermarket devices like black boxes and increasingly devices that are embedded in vehicles by the manufacturers themselves these enable our insurance partners to offer UDI solutions to pretty much any segment of client out there a second differentiator is with tilt a scoring technology that extensively leverages contextual information complex the road infrastructure average behavior of other drivers on the road etc and our scores have been regressed against a significant amount of claims data we can even demonstrate they are superior predictors of claim fidelity at the flow we enable our insurance partners to be scoring IP on the back of our scoring functions our partners receive incorporated scoring functions and can personalize on a customized based on their actuarial experience and what they build on that basis becomes their intellectual pocket at the flow we offer a variety of engaging consumer propositions whether it's about enabling emergency and roadside recovery services education online reward and others insurers can touch end users and engage them and increase their loyalty with propositions that make full use of the granular understanding of end-users mobility factors that we collect at the flow and last but not least we have arguably one of the best smartphone as a sensors technology available in the marketplace our clients can use this technology to receive full native apps and deploy them in the marketplace or receive an S became incorporate the SDK into an existing application in order to mitigate the proliferation of dissonance a combination of these factors is what makes the flow offering unique thank you for taking time to learn about the flow our mission is ambitious it is about making individual mobility safer and smarter everybody in the world join it whether you are in insurance in insurance organization interested in achieving fairer pricing for your end users or more engaging services for consumers whether you are a car manufacturer interested in how you can monetize onboard data we did an insurance ecosystem or if you are a brilliant scientist or just passionate about harnessing the forces of sensors software and data there is a place for you here and the flow I look forward to hearing from you [Music] [Music] [Music] [Music] you [Music] you [Music] you [Music]