Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI to Price Insurance in Real Time
Episode 57 of Fintech Conversations with Fexingo dives into usage-based insurance (UBI) pricing powered by AI. Lucas and Luna explore how startups like Lemonade, Root Insurance, and UK-based Tractable use machine learning models that ingest telematics, satellite imagery, and IoT data to adjust premiums in real time. They break down the shift from actuarial tables built on static demographic cohorts to dynamic risk scoring that changes with the policyholder's actual behavior—driving data from your car, the weather near your home, or your step count. The conversation covers the regulatory…
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