Brillo - Embedded OS based on Android Kernel, ... First developed by Google's Nest division. ... developed a conductive
Homeclub Pilot
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Bankers Financial Corporation is a $500 Mil, 39 year old diversified financial services company based in St. Petersburg, FL with over 700 employees. The foundation of our company, insurance, is fundamental to individuals and businesses alike. We’ve been protecting precious assets since 1976. We market indemnity products to customers with property exposure and annuity investment products. By accurately determining the needed price for any risk, we target customers with pinpoint accuracy. Our innovative products offer unique coverage, service and value to policyholders. Targeting a 95 combined ratio for casualty risks and a 90 combined ratio for catastrophe-exposed risk, we plan to fund organic growth to become a billion-dollar writer by 2020. Our fee-based service businesses include a professional employer organization, Decision HR; a third-party administrator, BinTech Partners; and a collateral protection business, van Wagenen Financial Services. We serve as a hedge against the risks underwritten by the regulated insurance entities and provide a source of growth capital for the Corporation. We are proud to support companies with technology, service and products honed over decades of ongoing research and application. Our surety division has two parts: surety bail (appearance) bonds and contract & commercial (performance) bonds. The bail division is our dominant product line, profitable since its beginnings. Our contract/commercial bond business, reactivated in 2008, is primed to generate underwriting profits to fund its independence.
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Business Case Leverge IoT to help the consumer protect their valuables Approach Ecosystem with sensors, apps, control systems. Beyond the obvious Preventive Predictive Privacy Business Model Change What next Customer Service Commercial
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If they have a claim
At time of renewal
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Indoor Climate – Monitor indoor climate conditions and be alerted of unusual change
Detect Leaks – Be notified as soon as leaks occur to prevent major damage to your home
Monitor Power – Know when power is lost and restored to your home regardless of where you’re at.
Item Movement – Get alerted if valuables are accessed or if items or equipment are moved
Human Motion – Detect human movement within your home or upon persons entering or exiting Source: Homeclub.us
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Source: Homeclub.us
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Customer Segmentation 1 – Customers opting in vs. Not, Levels of Opt in.
Segments of customers with similar characteristics
Correlation to external factors.
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Privacy - Customers opt in.
Data ownership – who owns the data.
Change in Business Model
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Customer Service
Claims Adjudication
Home Inspection
Food Safety
Commercial
Workplace Safety
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Data From Multiple Sources
Human Readable vs. Machine Browsable
Query Metadata, then retrieve specific elements 10
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Google’s ambition for a broad set of future offerings for (IoT)
Brillo - Embedded OS based on Android Kernel, communication stack and device administration API.
Jacquard – innovative approach to wearables that has developed a conductive yarn that can comprise an entire fabric - providing wireless communications and touch interface capabilities to a wide variety of garments. Levi’s was announced as a launch partner
Weave – Communication protocol to tie together IoT devices in a seamless fashion. First developed by Google’s Nest division. (Automatically discover and associate each other)
Project Soli – Google-developed chip which incorporates a “gesture radar”. Overcome small screen constraints (like the watches) – pinch and zoom in the air using the fingers above the 11 smart watch screen
