Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Car Data Powers Dynamic Usage-Based Insurance
In this episode of Fintech Conversations, Lucas and Luna explore how real-time vehicle data is reshaping auto insurance. They take a deep dive into usage-based insurance (UBI), where telematics devices and smartphone apps track driving behavior to set premiums dynamically. The conversation centers on a leading European insurer that launched a pay-how-you-drive policy in 2025, using data on speed, braking, and cornering to adjust rates monthly. Lucas breaks down how this model improves risk assessment, reduces claims for safe drivers, and creates new challenges around privacy and data…
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