Next move for telecom operators, motor insurers and mobility integrators Instead of competition, the journey to Telematics 4.0 will be more about cooperation — about how the stakeholders learn to work together to develop an integrated offering that not only takes the car online but turns telematics services into a way to gain a share of mobility beyond the car. T elec om oper at or s will ha v e an opport unit y t o claim the only hour s in the da y s till lar gely out o f r e ach o f br o adb and. T his cr e at e s additional us age o f their ne t w ork s and mor e r e v enue . Ho w e v er , the y need t o: W ork out a wide v arie t y o f b andwidth and billing challenge s , p artic ularly in deliv ering a s e amle s s mobilit • y e xperienc T e elec om Deliv er pricing plans that pr e v en t c annib aliz ation o f e xis ting c us t omer smartphone us age but do no t r equir oper • e at or s c us t omer s t o mis s out on the utilit y o f an y e xis ting SIMs and plans • Find a w a y t o r e sis t being r elegat ed t o the c ommodit y s t at us o f a “ dumb pipe ” b y cr e ating or ganiz ations that f oc us on aut omo tiv e as a k e y s ect or s egmen t T elematic s mak e s insur anc e t angible t o the c us t omer in an en tir ely ne w w a y , incr e asing the po t en tial f or be t t er risk managemen t and mor e c onsumer t ouch poin t s . Mo t or insur er s and br ok er s will gain ac c e s s t o richer individual and c ollectiv e ( de s crip tiv e ) dat a than the s ect or has e v er kno wn. Ho w e v er , the y need t Mo o: t or insur er s Cr e at e a pr oduct that is de signed t o mee t the c us t omer’ s emo tional and logic • al needs and L e arn ho w t o manage a v as t mobile dat a ne t w br • ork ok er s De v elop s tr ong af finit y p artner ship s with c armak er s or o ther major c ar br • ands R e-engineer their c urr en t pricing s truct ur e s and de v elop s tr at egie s that ar e mor e at t uned t o c us t omer s • ’ needs and af f or dabilit y Mobilit y in t egr at or s will enable the in t egr ation o f priv at e c ar s , shar ed c ar s and o ther mode s o f tr ansport ation in t o a s e amle s s tr ansport ation ne t w ork. Ho w e v er , the y need t o: L e arn ho w t o manage and in t erpr e t enormous quan titie s o f c ar dat • a In t egr at e dat a f eeds fr om o ther s t ak eholder s such as public tr ansport oper at or s , c ar sharing c omp anie Mobilit • s y and p arking authoritie in s t egr at or s