Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Data to Personalize Insurance Premiums
Episode 90 explores the rise of usage-based insurance (UBI) in fintech. Lucas and Luna break down how companies like Lemonade and Progressive use telematics, IoT data, and AI to set premiums by the mile or by the minute. The hosts discuss the shift from actuarial tables to real-time risk scoring, the privacy trade-offs consumers face, and why some regulators are taking a closer look. They anchor the conversation around a specific 2025 pilot by a major German fintech that cut premiums 30% for low-risk drivers. If you work in insurance tech or just want to know why your car insurance quote…
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