Podcasts about bought by many

In der Mittagsfolge sprechen wir heute mit Alexander Holzknecht, COO von Motatos, über die erfolgreich abgeschlossene Finanzierungsrunde in Höhe von 38 Millionen Euro. Motatos ist ein Onlineshop für Lebensmittel, der sich auf den nachhaltigen Konsum spezialisiert hat. So werden Lebensmittel von bekannten Herstellern angeboten, die falsch bezeichnet wurden, fehlerhaft sind oder deren Mindesthaltbarkeitsdatum kurz vor dem Ablauf ist. Marken von Herstellern wie Unilever oder Coca-Cola können so bis zu 80% günstiger eingekauft werden und gleichzeitig wird die Lebensmittelverschwendung bekämpft, indem diese Waren vor der Beseitigung bewahrt werden. Das Geschäftsmodell ist einerseits für Endkunden interessant, die nachhaltiger konsumieren und Geld sparen wollen. Andererseits profitieren aber auch Lieferanten davon, ihre Nachhaltigkeitsstrategie mit Motatos als strategischen Partner umsetzen zu können, um weniger Produkte wegzuwerfen. Das Startup wurde im Jahr 2014 von Karl Andersson, Erik Södergren und Ulf Skagerström in Stockholm unter dem Namen Matsmart gegründet. Im Jahr 2020 ist das Jungunternehmen mit dem Namen Motatos in den deutschen Markt eingetreten. Der Onlineshop ist Mitglied der Deutsch-Schwedischen Handelskammer und wird von dieser bei der Etablierung im deutschen Raum unterstützt. Der schwedische Lebensmittelretter hat nun eine Finanzierungsrunde in Höhe von 38 Millionen Euro abgeschlossen. An der Runde haben sich u.a. die schwedische Bank SEB Private Equity und der internationale Investor Exor Capital beteiligt. SEB Private Equity ist eine im Jahr 1995 gegründete Finanzgesellschaft, die Beratungsdienste und Produkte für Firmenkunden anbietet. Zu den Portfoliounternehmen gehören u.a. Norcospectra, Eatery, Rimes, Axkid, Accedo, Hightower, Bought By Many, Smedbo und VaccinDirekt. Das frische Kapital soll vor allem in den Ausbau des deutschen und britischen Marktes sowie die Erweiterung des Sortiments fließen. One more thing wird präsentiert von OMR Reviews – Finde die richtige Software für Dein Business. Wenn auch Du Dein Lieblingstool bewerten willst, schreibe eine Review auf OMR Reviews unter https://moin.omr.com/insider. Dafür erhältst du einen 20€ Amazon Gutschein.

In Episode 4 of Series 7 of The Rights Track, Todd is in conversation with Sam Gilbert, an entrepreneur and affiliated researcher at the Bennett Institute for Public Policy at the University of Cambridge. Sam works on the intersection of politics and technology. His recent book – Good Data: An Optimist's Guide to Our Future – explores the different ways data helps us, suggesting that “the data revolution could be the best thing that ever happened to us”.  Transcript Todd Landman  0:01  Welcome to The Rights Track podcast which gets the hard facts about the human rights challenges facing us today. In Series 7, we're discussing human rights in a digital world. I'm Todd Landman, in the fourth episode of this series, I'm delighted to be joined by Sam Gilbert. Sam is an entrepreneur and affiliated researcher at the Bennett Institute for Public Policy at the University of Cambridge, working on the intersection of politics and technology. His recent book, Good Data: An Optimist's Guide to Our Future explores the different ways data helps us suggesting the data revolution could be the best thing that ever happened to us. And today, we're asking him, what makes data good? So Sam, welcome to this episode of The Rights Track. Sam Gilbert  0:41  Todd thanks so much for having me on.  Todd Landman  0:44  So I want to start really with the book around Good Data. And I'm going to start I suppose, with the negative perception first, and then you can make the argument for a more optimistic assessment. And this is this opening set of passages you have in the book around surveillance capitalism. Could you explain to us what surveillance capitalism is and what it means?  Sam Gilbert  1:01  Sure. So surveillance capitalism is a concept that's been popularised by the Harvard Business School Professor, Shoshana Zuboff. And essentially, it's a critique of the power that big tech companies like Google and Facebook have. And what it says is that, that power is based on data about us that they accumulate, as we live our lives online. And by doing that produce data, which they collect, and analyse, and then sell to advertisers. And for proponents of surveillance capitalism theory, there's something sort of fundamentally illegitimate about that. In terms of the way that it, as they would see it, appropriates data from individuals for private gain on the path of tech companies. I think they would also say that it infringes individual's rights in a more fundamental way by subjecting them to surveillance. So that I would say is surveillance capitalism in a nutshell.  Todd Landman  2:07  Okay. So to give you a concrete example, if I'm searching for a flannel shirt from Cotton Trader, on Google, the next day, I open up my Facebook and I start to see ads for Cotton Trader, on my Facebook feed, or if I go on to CNN, suddenly I see an ad for another product that I might have been searching for on Google. Is that the sort of thing that he's talking about in this concept? Sam Gilbert  2:29  Yes, that's certainly one dimension to it. So that example that you just gave is an example of something that's called behaviour or retargeting. So this is when data about things you've searched for, or places you've visited on the internet, are used to remind you about products or services that you've browsed. So I guess this is probably the most straightforward type of what surveillance capitalists would call surveillance advertising.  Todd Landman  2:57  Yeah, I understand that, Sam, but you know when I'm internally in Amazon searching for things. And they say you bought this other people who bought this might like this, have you thought about, you know, getting this as well. But this is actually between platforms. This is, you know, might do a Google search one day. And then on Facebook or another platform, I see that same product being suggested to me. So how did, how did the data cross platforms? Are they selling data to each other? Is that how that works?  Sam Gilbert  3:22  So there's a variety of different technical mechanisms. So without wanting to get too much into the jargon of the ad tech world, there are all kinds of platforms, which put together data from different sources. And then in a programmatic or automated way, allow advertisers the opportunity to bid in an auction for the right to target people who the data suggests are interested in particular products. So it's quite a kind of complex ecosystem. I think maybe one of the things that gets lost a little bit in the discussion is some of the differences between the ways in which big tech companies like Facebook and Google and Amazon use data inside their own platforms, and the ways in which data flows out from those platforms and into the wider digital ecosystem. I guess maybe just to add one more thing about that. I think, probably many people would have a hard time thinking of something as straightforward as being retargeted with a product that they've already browsed for, they wouldn't necessarily see that as surveillance, or see that as being particularly problematic. I think what gets a bit more controversial, is where this enormous volume of data can have machine learning algorithms applied to it, in order to make predictions about products or services that people might be interested in as consumers that they themselves haven't even really considered. I think that's where critics of what they would call surveillance capitalism have a bigger problem with what's going on. Todd Landman  4:58  No I understand that's, that's a great great explanation. Thank you. And I guess just to round out this set of questions, really then it sounds to me like there's a tendency for accumulated value and expenditure here, that is really creating monopolies and cartels. To what degree is the language of monopoly and cartel being used? Because these are, you know, we rattle off the main platforms we use, but we use those because they have become so very big. And, you know, being a new platform, how does a new platform cut into that ecosystem? Because it feels like it's dominated by some really big players. Sam Gilbert  5:32  Yes. So I think this is a very important and quite complicated area. So it is certainly the case that a lot of Silicon Valley tech companies have deliberately pursued a strategy of trying to gain a monopoly. In fact, it might even be said that that's sort of inherent to the venture capital driven start-up business model to try and dominate particular market space. But I suppose the sense in which some of these companies, let's take Facebook as an example, are monopolies is really not so related to the way in which they monetize data or to their business model. So Facebook might reasonably be said to be a monopolist of encrypted messaging, because literally billions of people use Facebook's platform to communicate with each other. But it isn't really a monopolist of advertising space, because there are so many other alternatives available to advertisers who want to promote their products. I guess another dimension to this is the fact that although there are unquestionably concentrations of power with the big tech companies, they also provide somewhat of a useful service to the wider market, in that they allow smaller businesses to acquire customers much more effectively. So that actually militates against monopoly. Because now in the current digital advertising powered world, not every business has to be so big and so rich in terms of capital, that it can afford to do things like TV advertising. The platform's that Facebook and Google provides are also really helpful to small businesses that want to grow and compete with bigger players.  Todd Landman  7:15  Yeah, now I hear you shifting into the positive turn here. So I'm going to push you on this. So what is good data? And why are you an optimist about the good data elements to the work you've been doing? Sam Gilbert  7:27  Well, for me, when I talk about good data, what I'm really talking about is the positive public and social potential of data. And that really comes from my own professional experience. Because although at the moment, I spend most of my time researching and writing about these issues of data and digital technology, actually, my background is in the commercial sector. So I spent 18 years working in product and strategy and marketing roles, and particularly financial services. Also at the data company, Experian, also in a venture backed FinTech business called Bought By Many. And I learnt a lot about the ways in which data can be used to make businesses successful. And I learned a lot of techniques that, in general, at the moment, are only really put to use to achieve quite banal goals. So for example, to sell people more trainers, or to encourage them to buy more insurance products. And so one of the things that I'm really interested in is how some of those techniques and technologies can move across from the commercial sector, into the public sector, the third sector, and be put to work in ways that are more socially beneficial. So maybe just to give one example of that type of data that I think contains huge potential for public goods is search data. So this is the data set that is produced by all of us using Google and Bing and other search engines on a daily basis. Now, ordinarily, when this data is used, it is to do banal things like, target shoes more effectively. But there is also this emerging discipline called Infodemiology, where academic researchers use search data in response to public health challenges. So one great example of that, at the moment has been work by Bill Lampos at University College London and his team, where they've built a predictive model around COVID symptoms using search data. And that model actually predicts new outbreaks 17 days faster than conventional modes of epidemiological surveillance. So that's just one example of the sort of good I believe data can bring. Todd Landman  9:50  So it's like a really interesting example of an early early warning system and it could work not only for public health emergencies, but other emerging emergencies whether they be conflict, or natural disasters or any topic that people are searching for, is that correct? Sam Gilbert  10:05  Yes, that's right. I mean, it's not just in the public health field that researchers have used this, you just put me in mind actually Todd of a really interesting paper written by some scholars in Japan who are looking at citizens decision making in response to natural disaster warnings. So floods and earthquakes that that migration patterns I guess, would be the way of summarising it. Those are things that can also be detected using search data.  Todd Landman  10:31  Well, that's absolutely fascinating. So if we go back to public health then. I was just reading a new book, out called Pandemocracy in Europe: Power, Parliaments and People in Times of COVID. And it's edited by Matthias Kettemann and Konrad Lachmayer. And there's a really fascinating chapter in this book that transcends the nation state, if you will. And it talks about platforms and pandemics. And one section of the chapter starts to analyse Facebook, Twitter, YouTube, and telegram on the degree to which they were able to control and or filter information versus disinformation or misinformation. And just the scale of some of this stuff is quite fascinating. So you know, Facebook has 2.7 billion daily users, it's probably a bigger number now. And you know, 22.3% of their investigated Facebook posts contain misinformation about COVID-19. And they found that the scale of misinformation was so large that they had to move to AI solutions, some human supervision of those AI solutions. But what's your take on the role of these big companies like we've been talking about Facebook, Twitter, YouTube, Telegram, and their ability to control the narrative and at least provide safe sources of information, let's say in times of COVID, but there may be other issues of public interest where they have a role to play?  Sam Gilbert  11:57  Yes, I think this is such an important question. It's very interesting that you use the phrase, control the narrative, because of course, that is something that big tech companies have traditionally been extremely reluctant to do. And one of the things I explore a bit in my book is the extent to which this can really be traced back to some unexamined normative assumptions on the part of tech company executives, where they think that American norms of free speech and the free speech protections of the First Amendment that's sort of universal laws that are applicable everywhere, rather than things which are culturally and historically contingent. And for that reason, they have been extremely reluctant to do any controlling of the narrative and have tended to champion free speech over the alternative course of action that they might take, which is to be much more proactive in combating harms, including but not limited to misinformation. I think this probably also speaks to another problem that I'm very interested in, in the book, which is what we are concerned about when we say we're concerned about big tech companies' power, because I think ordinarily, the discussion about big tech companies power tends to focus on their concentrations of market power. Or in the case of surveillance capitalism theory, it concentrates on the theoretical power that algorithms have over individuals and their decision making. And what gets lost a bit in that is the extent to which tech companies by providing these platforms and these technologies actually empower other people to do things that weren't possible before. So in some work I've been doing with Amanda Greene, who's a philosopher at University College London, we've been thinking about that concept of empowering power, as we call it. And as far as we're concerned, that's actually a much more morally concerning aspect of the power of big tech, big tech companies than their market position.  Todd Landman  14:11  Yeah. So I like it that you cite the First Amendment of the American Constitution, but interestingly, the international framework for the protection and promotion of human rights also, you know, has very strong articles around protection of free speech, free assembly, free association, which of course, the tech companies will be interested in looking at and and reviewing. But what it raises to I believe really is is a question around the kind of public regulation of private actors, because these are private actors. They're not subjected to international human rights law in the way that states are. And yet they're having an impact on mass publics. They're having an impact on politics. They're having an impact on debate. So perhaps I misspoke by saying control the narrative. What I'm really interested in is we seem to have lost mediation. We have unmediated access to information. And it seems to me that these it's incumbent upon these organisations to provide some kind of mediation of content, because not all things are true just because they're said. So it gets back to that question, what where's the boundary for them? When will they step in and say this is actually causing harm if there's some sort of a big tech Hippocratic oath about do no harm that needs to be developed? So that, so there is at least some kind of attempt to draw a boundary around what is shared and what is not shared? Sam Gilbert  15:34  Yes, so the idea of a Hippocratic oath for tech workers is definitely out there, the writer who has explored it more than I have is James Williams in his book Stand Out Of Our Light. I think that that is certainly something that would help. I also think that it is beneficial that at the moment, we're having more discussion about data ethics and the ethics of artificial intelligence, and that that is permeating some of the tech companies. So I think more ethical reflection on the part of tech executives and tech workers is to be welcomed. I don't think that's sufficient. And I do think that it's important that we have stronger regulation of the tech sector. And I suppose from my perspective, the thing that needs to be regulated, much more than anything to do with how data is collected or how data is used in advertising. Is this what sometimes referred to as online safety, or other times it's referred to as online harms. So that is anything that gives rise to individuals being at risk of being harmed as they live their lives online. There's actually legislation that is coming through in the UK at the moment called online safety bill, which is far from perfect legislation, but in my opinion, it's directionally right. Because it is more concerned with preventing harm and giving tech companies a responsibility for playing their part in it, then it is concerned with trying to regulate data or advertising. Todd Landman  17:13  Yeah, so it's really the result of activity that is trying to address rather than that the data that drives the the activity, if I could put it that way. So if we think about this, do no harm element, the mediating function that's required at least to get trusted information available to users. I, I wonder if we could pivot a little bit to the current crisis in Ukraine, because I've noticed on social media platforms, a number of sites have popped up saying we're a trusted source for reporting on on the current conflict, and they get a sort of kite mark or a tick for that. I've also seen users saying, don't believe everything you see being tweeted out from Ukraine. So where does this take us and not only COVID, but to something as real time active and horrific as conflict in a country, we can talk about Ukraine or other conflicts about the sharing of information on social media platforms? Sam Gilbert  18:08  Yes, well, this is a very difficult question. And unfortunately, I don't have the answer for you today. I guess what I would point to is something you touched on there Todd, which is the idea of mediation. And we have been through this period with social media, where the organizations, the institutions that we traditionally relied on to tell us what was true and what was false and sort fact from fiction, those organisations have been disintermediated. Or in some cases, they have found themselves trying to compete in this very different information environment that is much more dynamic in a way that actually ends up undermining the journalistic quality that we would otherwise expect from them. So this is not a very satisfactory answer, because I don't know what can be done about it, except that it is a very serious problem. I suppose just to make one final point that I've been reminded I've been reading stories on this topic in relation to the Ukraine crisis, is that the duality of this power that tech companies and that technology has given to ordinary users in the era of social media over the last 15 years or so. So if we were to rewind the clock to 2010, or 2011, the role of Twitter and Facebook and other technology platforms in enabling protest and resistance against repressive regimes that was being celebrated. If we then roll forwards a few years and look at a terrible case like the ethnic cleansing of the Rohingya people in Myanmar, we are at the complete opposite end of the spectrum where the empowerment of users with technology has disastrous consequences, and I guess if we then roll forward again to the Ukraine crisis, it's still not really clear whether the technology is having a beneficial or detrimental effect. So this is really just to say, once again, when we think about the power of tech companies, these are the questions I think we need to be grappling with, rather than questions to do with data. Todd Landman  20:31  Sure, there was there was a great book years ago called the Logic of Connective Action. And it was really looking at the way in which these emerging platforms because the book was published some years ago about lowering collective action costs, whether it was, you know, for protest movements, or, you know, anti-authoritarian movements, etc, we did a piece of work years ago with someone from the German Development Institute on the role of Facebook, in, in opposition to the Ben Ali regime in Tunisia, and Facebook allowed people to make a judgement as to whether they should go to a protest or not based on number of people who said they were going and and so it lowered the cost of participation, or at least the calculated costs of participating in those things. But as you say, we're now seeing this technology being used on a daily basis, I watch drone footage every day of tanks being blown up, of buildings being destroyed. And you know, part of my mind thinks it's this real, what I'm watching. And then also part of my mind thinks about, what's the impact of this? Does this have an impact on morale of the people involved in the conflict? Does it change the narrative, if you will, about the progress and or, you know, lack of progress in in the conflict, and then, of course, the multiple reporting of whether they're going to be peace talks, humanitarian corridors and all this other stuff. So it does raise very serious questions about the authenticity, veracity and ways in which technology could verify what we're seeing. And of course, you have time date stamps, metadata and other things that tell you that that was definitely a geolocated thing. So are these companies doing that kind of work? Are they going in and digging into the metadata, I noticed that Maxar Technologies, for example, is being used for its satellite data extensively, and looking at the build-up of forces and the movement of troops and that sort of thing. But again, that's a private company making things available in the public sphere for people to then reach judgments, media companies to use, it's an incredible ecosystem of information, and that it seems like a bit like a wild west to me, in terms of what we believe what we don't believe and the uses that can be made of this imagery and commentary. Sam Gilbert  22:32  Yes, so there is this as an all things, this super proliferation of data. And what is still missing is the intermediation layer to both make sense of that. And also tell stories around it that have some kind of journalistic integrity. I mean what you put me in mind of there Todd was the open source intelligence community, and some of the work that including human rights organisations do to leverage these different data data sources to validate and investigate human rights abuses taking place in different parts of the world. So to me, this seems like very important work, but also work that is rather underfunded. I might make the same comment about fact checking organisations, which seem to do very important work in the context of disinformation, but don't seem to be resourced in the way that perhaps they should be. Maybe just one final comment on this topic would relate to the media, the social media literacy of individuals. And I wonder whether that is something that is maybe going to help us in trying to get out of this impasse, because I think over time, people are becoming more aware that information that they see on the internet may not be reliable. And while I think there's still a tendency for people to get caught up in the moment, and retweets or otherwise amplify these types of messages, I think that some of the small changes the technology companies have made to encourage people to be more mindful when they're engaging with and amplifying content might just help build on top of that increase in media literacy, and take us to a slightly better place in the future. Todd Landman  24:26  Yeah, I mean, the whole thing around media literacy is really important. And I I also want to make a small plea for data literacy, just understanding and appreciating what data and statistics can tell us without having to be you know, an absolute epidemiologist, statistician or quantitative analyst. But I wanted to hark back to your idea around human rights investigations, we will have a future episode with a with a group that does just that and it's about maintaining the chain of evidence, corroborating evidence and using you know, digital evidence as you, you know in ways that help human rights investigations and, you know, if and when this conflict in Ukraine finishes, there will be some sort of human rights investigatory process. We're not sure which bodies going to do that yet, because we've been called for, you know, like a Nuremberg style trial, there have been calls for the ICC to be involved as been many other stakeholders involved, but that digital evidence is going to be very much part of the record. But I wonder just to, yeah go ahead Sam.  Sam Gilbert  25:26  Sorry I am just going to add one thing on that, which I touched on this a little bit, and my book, but I think there's a real risk, actually, that open-source intelligence investigations become collateral damage in the tech companies pivot towards privacy. So what some investigators are finding is that material that they rely on to be able to do their investigations is being unilaterally removed by tech companies, either because it's YouTube, and they don't want to be accused of promoting terrorist content, or because it's Google or Facebook, and they don't want to being accused of infringing individual's privacy. So while this is not straightforward, I just think it's worth bearing in mind that sometimes pushing very hard for values like data privacy can have these unintended consequences in terms of open source intelligence. Todd Landman  26:24  Yes, it's an age old chestnut about the unintended consequences of purposive social action. I think that was a Robert Merton who said that at one point, but I guess in closing that I have a final question for you because you are an optimist. You're a data optimist, and you've written a book called good data. So what is there to be optimistic about for the future?  Sam Gilbert  26:42  Well, I suppose I should say something about what type of optimist I am first, so to do that, I'll probably reach for Paul Romer's distinction between blind optimism and conditional optimism. So blind optimism is the optimism of a child hoping that her parents are going to build her a tree house. Conditional optimism is the optimism of a child who thinks, well, if I can get the tools and if I can get a few friends together, and if we can find the right tree, I think we can build a really incredible tree house together. So I'm very much in the second camp, the camp of conditional optimism. And I guess the basis for that probably goes to some of the things we've touched on already, where I just see enormous amounts of untapped potential in using data in ways that are socially useful. So perhaps just to bring in one more example of that. Opportunity Insights, the group at Harvard run by Raj Chetty has had some incredibly useful insights into social mobility and economic inequality in America, by using de-identified tax record data to understand over a long period of time, the differences in people's incomes. And I really think that that type of work is just the tip of the iceberg when it comes to this enormous proliferation of data that is out there. So I think if the data can be made available to researchers, also to private organisations in a way that, as far as possible, mitigates the risks that do exist to people's privacy. There's no knowing quite how many scientific breakthroughs or advances in terms of human and social understanding that we might be able to get to. Todd Landman  28:52  Amazing and I guess, to your conditional optimism, I would add my own category, which is a cautious optimist, and that's what I am. But talking to you today does really provide deep insight to us to understand the many, many different and complex issues here and that last point you made about, you know, the de-identified data used for for good purposes - shining a light on things that that are characterising our society, it with a view to be able to do something about it, you see things that you wouldn't see before and that's one of the virtues of good data analysis is that you end up revealing macro patterns and inconsistencies and inequalities and other things that then can feed into the policymaking process to try to make the world a better place and human rights are no exception to that agenda. So for now, Sam, I just want to thank you so much for coming on to this episode and sharing all these incredible insights and, and and the work that you've done. So thank you. Chris Garrington 29:49 Thanks for listening to this episode of The Rights Track, which was presented by Todd Landman and produced by Chris Garrington of Research Podcasts with funding from 3DI. You can find a detailed transcript on the website at www.RightsTrack.org. And don't forget to subscribe wherever you listen to your podcasts to access future and earlier episodes. Further reading and resources: Sam Gilbert (2021) Good Data: An Optimist's Guide to Our Digital Future. Bill Lampos' covid infodemiology: Lampos, V., Majumder, M.S., Yom-Tov, E. et al. (2021) “Tracking COVID-19 using online search”. Infodemiology Japan/natural disasters paper: [1906.07770] Predicting Evacuation Decisions using Representations of Individuals' Pre-Disaster Web Search Behavior (arxiv.org) On “empowering power”:  Greene, Amanda and Gilbert, Samuel J., (2021) “More Data, More Power? Towards a Theory of Digital Legitimacy”. On the Hippocratic oath for tech workers: James Williams (2018) Stand out of our Light: Freedom and Resistance in the Attention Economy. Matthias C. Kettemann and Konrad Lachmayer (eds.) (2022) Pandemocracy in Europe: Power, Parliaments and People in Times of COVID-19. W. Lance Bennett and Alexandra  Segerberg (2013) The Logic of Connective Action; Digital Media and the Personalization of Contentious Politics.

On Episode #61 of the Book Talk Today podcast we are joined by Sam Gilbert. Sam is an affiliated researcher at the Bennett Institute for Public Policy at the University of Cambridge. He is also an expert in data-driven marketing being part of the fintech startup Bought By Many as the chief marketing officer. Today we will be discussing his most recent book, “Good Data: An Optimist's Guide To Our Digital Future”. We discussed:

On this episode, Sabine VdL interviews Steven Mendel, CEO and Co-Founder of Bought By Many, an InsurTech startup that is really well known across the UK market with a new brand launched in the US under the brand name "ManyPets." Bought By Many is making the world a better place for pet parents through its tech-enabled insurance products and services. KEY TAKEAWAYS The first startup I was involved with was in the investment consulting space in the mid-90s, from there I became a management consultant and went on to set up three more startups, all in the finance space but none of them directly to do with insurance. Bought By Many started off in the broader insurance space but over several years we narrowed it down so we only operate in the pet space now. For many years I’d been troubled by the poor way large corporates treat individuals – in particular in financial services – in contrast, they treat other corporates very very well. I felt I had to do something to redress the balance between corporates and individuals in financial services. We asked our pet community members to fill out a questionnaire to understand what they thought of the insurance industry, how they would have made it better themselves and asked what their perfect pet insurance policy would look like. We got 40,000 responses and created seven brand-new go-to-market products in September 2016. Instead of going live, we took the opportunity to reimagine every step of the customers’ insurance journey so that when we launched in February 2017 there was nothing about the experience that bore any relation to anything else that they would have seen in the pet space anywhere before. We became a double unicorn in eight and three-quarter years. But, in truth, I can’t get excited about the valuation at all. It doesn’t change in any way the business, the people we want to recruit, our existing staff, our focus on our customer base, our focus on the pets and our focus on the pet parents. It’s an important milestone, of course, but it has not changed us as a business one single piece of the way. BEST MOMENTS ‘Our first TV advert was at the very beginning on direct to household advertising, and we were able to work with Ridley Scott’s production studio to create something genuinely different and quirky.’ ‘The idea behind Bought By Many was creating communities of individuals who had similar but niche insurance needs and to help them get access to better insurance – price, product and customer experience.’ ‘Our Net Promoter Score has never been below 70.’ ‘Pet owners do talk, they want to know what pet food you use, what vet you go to and who insures your pet. Having members of ours who advocate in the marketplace is really important for us and has massive knock-on economic benefits, of course.’ ABOUT THE GUEST Steven has over 25 years of experience as an actuary in financial services which has included leading Close Brothers Wealth Management during the launch of their non-advised offering; creating the world’s first art-focused wealth advice offering for Christie’s; working as part of the team that formed Barclays Wealth and heading the McKinsey UK Savings and Investment Group.Steven founded Bought By Many, which is disrupting the world of pet insurance through the innovative use of tech, and is building a business to become an irresistible employer that is obsessive about customer service.In April 2019 Steven was included in the London Business School Review of 30 People Who Are Changing The World. https://boughtbymany.com/ ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew, a venture lab that accelerates the curation, validation, and commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers and accelerating over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter: SabineVdL LinkedIn: Sabine VanderLinden Instagram: sabinevdLofficial Facebook: SabineVdLOfficial TikTok: sabinevdlofficial Email: podcast@sabinevdl.com Website: www.sabinevdl.com This show was brought to you by Progressive Media

From zoo work to now running a dog walking company in north London Ryan Dalton has always been around animals. Ryan is also a presenter and podcaster. Focusing on his passion for wildlife & the planet, he runs & hosts Into The Wild: The Podcast. On today's episode Oli & Ryan discuss what's it like to be a dog walker? His Dog walking association, podcasting, wildlife, lost dogs (and found), picking up poos, how dog walkers impact the wildlife? Dog walker licensing and so much more…Thank you to our sponsor, Pet Insurance Provider, Bought By Many, find out more at www.bbm.link/oliRyan: @mrryanjdalton Podcast: Insta - @intothewildpodcast Twitter - @intothewildpod Available on all podcast apps!Dog walking business; Canineteen Website: www.canineteendogs.comInstagram: @canineteendogsPet supplies FETCH.IT @fetchitbags

Steven Mendel is the co-founder of Bought By Many, the insurance provider that is revolutionising the way consumers purchase pet coverage. Rather interestingly the idea for the company came as a result of Stevens own rather disappointing personal experience when trying to buy private medical insurance for him and his familys. Like any good entrepreneur Steven took it upon himself to try and improve the customer experience, which going by the amount of awards the company has won, he seems to have done rather successfully.  The McKinsey alumni sat down with James & Hector to discuss several topics including why a high employee retention continues to play an important role in the success of the company, his opinion on the importance or lack thereof of company valuation and how his expectations differ from the present day business reality.Make sure to like and subscribe to the Riding Unicorns podcast to never miss an episode. Also don't forget to give Riding Unicorns a follow on Twitter and LinkedIn to keep on top of the latest developments.

Oli welcomes back Cat & Dog Behaviour Councillor, Author, Lecturer and friend Sarah Whitehead. Sarah talks to Oli about all that she's learned about dogs whilst working with cats. We talk scents, behaviour, peeing on bed, marking spots and humans, and so much more. Here are the links:Sarah on Instagram: @Sarahwhitehead.behaviouristSarah's Website: https://cleverdogcompany.comCourse with discount offer: https://sarahwhitehead.thinkific.com/courses/scent-communication-in-dogs-special-offer Thank you to our sponsor, Pet Insurance Provider, Bought By Many, find out more at www.bbm.link/oli

Meeting online training phenomenon Tia, her father Dave talking about training during lockdown and their amazing Police Dog Finn, his story and his award!Thank you to our sponsor, Pet Insurance Provider, Bought By Many, find out more at www.bbm.link/oli

Trainer & Behaviourist, Chantal Hugues is back to talk about Dog Day Care. Most dog owners will need help at some stage looking after their dogs. Chantal and Oli discuss all aspects and help you made sure your dog is well suited to the day care you pick. Show notes: An ethogram is defined as “a species-specific list of all the behaviours normal to that species in its natural habitat.”Here are the links:Chantal on Instagram: @chantalhughesChantal Website: www.chantalhughes.co.ukThank you to our sponsor, Pet Insurance Provider, Bought By Many, find out more at www.bbm.link/oli

Oli welcomes back Pet Behaviour Councillor, Author, Lecturer and friend Sarah Whitehead. Sarah's specialises in Aggression on dogs, so she is the perfect person to talk about the risks we take when we allow dogs to greet each other whilst under the restriction of a lead. A must listen if you have a dog. Thank you to our sponsor, Pet Insurance Provider, Bought By Many, find out more at www.bbm.link/oli Sarah on Instagram: @cleverdogcoSarah's Website: https://cleverdogcompany.comPlay Bow webinar, with mega £200 discount offer off LTTD at the end: https://sarahwhitehead.com/play-bows-webinar/Inner Circle: https://swinnercircle.co.uk/LTTD programme 1: https://sarahwhitehead.thinkific.com/courses/learn-to-talk-dog-one?ref=2085a6LTTD programme 2: https://sarahwhitehead.thinkific.com/courses/learn-to-talk-dog-programme-two-dog-to-dog?ref=2085a6

Oli spends time with broadcaster Clare Balding on the Live Stage discussing, amongst other things: DogFest, Crufts, broadcasting, rescue dogs, finding a good breeder, the social aspects of having a dog, Emma Raducanu, Alex Scott, the Olympics, and so much more...Thank you to our sponsor, Pet Insurance Provider, Bought By Many, find out more at www.bbm.link/oli 

Recorded LIVE @ DogFest West in Cirencester Park. We are joined by the wonderful Karen Hauer from Strictly Come Dancing, talking about her three rescue dogs, the challenges of looking after a 3 legged dog, dog lovers on Strictly, and so much more. Dr Jenna Kiddie, from Dog's Trust tells us about working for this amazing charity, working with the government on a multitude of projects, including breed specific legislations, like the Dangerous Dog's Act, and also if the reasons why dogs get handed over into shelters have changed since the pandemic.  Help dogs in Venezuela: https://sai.ngo/project/pets-venezuela/Dog's Trust https://www.dogstrust.org.ukWild at Heart Foundation https://wildatheartfoundation.org plus listen to Nikki Tibble again on Episode 32. Thank you to our sponsor, Pet Insurance Provider, Bought By Many, find out more at www.bbm.link/oli 

Oli talks to broadcaster Matt Johnson & then assistance dog advocate Chloe Fuller, LIVE from DogFest South 2021 about how our dogs can directly impact our physical and mental health and how they help us be more independent and happier. Two truly inspiring guests and one brilliant episode. Follow Mat Johnson @mattjohnsonThe Checkin Co @thecheckin.coMind @mindcharityFollow Chloé & Ted @tedtheassistancedog,  @assistancedogeducationprojectGet 20% discount on your tickets for DogFest West and North, with discount code OLI20 BOOK HERE Thank you to our new sponsor, Pet Insurance Provider, Bought By Many, find out more at www.bbm.link/oli 

August's VN Happy Hour – sponsored by Bought By Many – was all about behaviour, and how VNs can support owners of pets with behavioural problems and the importance of “fear free” methods for handling pets in a clinical setting. Whether you weren't able to join us on the 26 August or simply want to listen to our fantastic guest speakers again, we have you covered. This month we were joined by RVNs Linda Ryan, Elle Boden and Zoe Blake, who expertly answered delegates' behaviour-related questions. Zoom threw some technical gremlins our way, so we apologise for the drop in audio during the panel session. Linda, Elle and Zoe are happy for you to contact them via their social media channels should you want to speak to them in more detail about their answers. There were so many great resources mentioned on the night, so here they all are for you to look through: LC Fitness www.instagram.com/lauracopley7 Inspiring Pet Teaching www.inspiringpets.com Inspiring Pet Teaching FB page www.facebook.com/InspiringPets The Friendly Pet Nurse https://thefriendlypetnurse.co.uk The Friendly Pet Nurse FB page www.facebook.com/thefriendlypetnurse The Friendly Pet Nurse Instagram page www.instagram.com/zoethefriendlypetnurse The Behaviour Nurse www.thebehaviournurse.com The Behaviour Nurse FB page www.facebook.com/ellethebehaviournurse The Behaviour Nurse Instagram www.instagram.com/thebehaviournurse The Behaviour Nurse short questionnaire: Cat Behaviour www.vettimes.co.uk/app/uploads/2021/09/Short-Questionnaire-Cat-Behaviour.pdf The Behaviour Nurse short questionnaire: Dog Behaviour www.vettimes.co.uk/app/uploads/2021/09/Short-Questionnaire-Dog-Behaviour.pdf Respect The Lead https://respectthelead.com International Cat Care https://icatcare.org iCat Care Cat Friendly Clinc https://icatcare.org/veterinary/cat-friendly-clinic Fear Free Pets https://fearfreepets.com AVSAB Positive Veterinary Care Position Statement https://avsab.org/wp-content/uploads/2019/01/Positive-Veterinary-Care-Position-Statement-download.pdf Low Stress Handling Dr Sophia Yin https://lowstresshandling.com The Association of Pet Behaviour Counsellors (APBC) www.apbc.org.uk Dogs Trust Welfare crisis www.dogstrust.org.uk/latest/issues-campaigns/dog-welfare-crisis The Association of Pet Dog Trainers (APDT) https://apdt.co.uk The Pet Professional Guild British Isles (PPGBI) https://ppgbi.com The Association of Into Dogs www.intodogs.org IMDT www.imdt.uk.com/find-a-qualified-imdt-trainer K9 Working Heroes The Dog Aggression Ladder http://www.k9workingheroes.co.uk/health/the-dog-aggression-ladder-brightdog-academy-dog-training-shared-link RSPCA: cats body language https://www.rspca.org.uk/adviceandwelfare/pets/cats/behaviour/understanding

August's VN Happy Hour – sponsored by Bought By Many – was all about behaviour, and how VNs can support owners of pets with behavioural problems and the importance of “fear free” methods for handling pets in a clinical setting. Whether you weren't able to join us on the 26 August or simply want to listen to our fantastic guest speakers again, we have you covered. This month we were joined by RVNs Linda Ryan, Elle Boden and Zoe Blake, who expertly answered delegates' behaviour-related questions. Zoom threw some technical gremlins our way, so we apologise for the drop in audio during the panel session. Linda, Elle and Zoe are happy for you to contact them via their social media channels should you want to speak to them in more detail about their answers. There were so many great resources mentioned on the night, so here they all are for you to look through: LC Fitness www.instagram.com/lauracopley7 Inspiring Pet Teaching www.inspiringpets.com Inspiring Pet Teaching FB page www.facebook.com/InspiringPets The Friendly Pet Nurse https://thefriendlypetnurse.co.uk The Friendly Pet Nurse FB page www.facebook.com/thefriendlypetnurse The Friendly Pet Nurse Instagram page www.instagram.com/zoethefriendlypetnurse The Behaviour Nurse www.thebehaviournurse.com The Behaviour Nurse FB page www.facebook.com/ellethebehaviournurse The Behaviour Nurse Instagram www.instagram.com/thebehaviournurse The Behaviour Nurse short questionnaire: Cat Behaviour www.vettimes.co.uk/app/uploads/2021/09/Short-Questionnaire-Cat-Behaviour.pdf The Behaviour Nurse short questionnaire: Dog Behaviour www.vettimes.co.uk/app/uploads/2021/09/Short-Questionnaire-Dog-Behaviour.pdf Respect The Lead https://respectthelead.com International Cat Care https://icatcare.org iCat Care Cat Friendly Clinc https://icatcare.org/veterinary/cat-friendly-clinic Fear Free Pets https://fearfreepets.com AVSAB Positive Veterinary Care Position Statement https://avsab.org/wp-content/uploads/2019/01/Positive-Veterinary-Care-Position-Statement-download.pdf Low Stress Handling Dr Sophia Yin https://lowstresshandling.com The Association of Pet Behaviour Counsellors (APBC) www.apbc.org.uk Dogs Trust Welfare crisis www.dogstrust.org.uk/latest/issues-campaigns/dog-welfare-crisis The Association of Pet Dog Trainers (APDT) https://apdt.co.uk The Pet Professional Guild British Isles (PPGBI) https://ppgbi.com The Association of Into Dogs www.intodogs.org IMDT www.imdt.uk.com/find-a-qualified-imdt-trainer K9 Working Heroes The Dog Aggression Ladder http://www.k9workingheroes.co.uk/health/the-dog-aggression-ladder-brightdog-academy-dog-training-shared-link RSPCA: cats body language https://www.rspca.org.uk/adviceandwelfare/pets/cats/behaviour/understanding

This week on the Evolving Leader podcast, co-hosts Scott Allender and Jean Gomes talk to Sam Gilbert, expert in data-driven marketing, entrepreneur and researcher. Sam was employee number one and Chief Marketing Officer at Bought By Many, the multi-award winning fintech ranked No. 13 in The Sunday Times TechTrack100 and prior to that held the position of Head of Strategy and Development at Experian. Aged 39, Sam changed course and returned to university to rethink the role of data in our future. Sam is author of ‘Good Data: An Optimist's Guide to Our Digital Future' (Welbeck, 2021). Social:Instagram           @evolvingleaderLinkedIn             The Evolving Leader PodcastTwitter               @Evolving_Leader

Sam Gilbert discusses with Ivan six things which he thinks should be better known. Sam Gilbert is an affiliated researcher at the Bennett Institute for Public Policy at the University of Cambridge. An expert in data-driven marketing, he was employee number one and chief marketing officer at Bought By Many, an award-winning fintech start-up named as one of Wired's hottest start-ups in Europe and ranked in the Sunday Times TechTrack100 list of the UK's fastest growing companies. Previously, he was head of strategy and development at the data company Experian and head of consumer finance at Santander. He lives in Copenhagen. West Highland Line: https://www.scotrail.co.uk/scotland-by-rail/great-scenic-rail-journeys/west-highland-line-glasgow-oban-and-fort-williammallaig AnswerThePublic.com: https://answerthepublic.com/ Danish Summerhouses: https://www.howtoliveindenmark.com/podcasts/danish-summerhouse-dollhouse-expect-youre-invited-danish-summer-home/ The Zuckerberg Files: https://zuckerbergfiles.org/ Judith Shklar's Liberalism of Fear: https://philpapers.org/archive/SHKTLO.pdf Novels of Magnus Mills: https://www.bloomsbury.com/author/magnus-mills This podcast is powered by ZenCast.fm

The surge in pet ownership during the pandemic has helped propel the group behind pet insurer Bought By Many to a valuation of more than $2bn, and a director at the company behind the video game Final Fantasy says 5G could disrupt the reign of the console. Plus, the FT’s greater China correspondent, Kathrin Hille, tells us how Taiwan is dealing with the latest wave of Covid-19 and how it’s affecting chipmakers Lockdown pet boom helps insurer to $2bn valuationhttps://www.ft.com/content/019cce7c-21e7-462c-b8ab-573a35218d7a‘Final Fantasy’ producer says 5G will end games console’s long reignhttps://www.ft.com/content/0fa963d8-1de8-4390-b3db-8e9908510605Taiwan imposes strict social curbs to stem its worst Covid outbreakhttps://www.ft.com/content/85604b0b-e7aa-4e26-a547-b3d27b262e6bCovid-stricken Brazil to host Copa America football tournamenthttps://www.ft.com/content/c3658bcf-695b-4e3e-9625-41b170e8248c See acast.com/privacy for privacy and opt-out information.

In episode 4 of the Talent Equals series, I am joined by the fantastic Steven Mendel, who is the CEO and Co-Founder of Bought by Many, a company which has gone from strength to strength since focusing on pet insurance.Steven was not only a joyful person to speak with but also incredibly insightful when it comes to focusing your business model. His love of books also is a great thing to witness.Don't forget to subscribe to be notified of our next podcast!William LaitinenYouTube: https://www.youtube.com/channel/UC4znfBsKevmb8u7v4WrCg0Q/featuredLinkedIn: https://www.linkedin.com/showcase/talent-equals/LinkedIn: https://www.linkedin.com/in/william-laitinen-93282/Exige Website: https://www.exigeinternational.com/Steven MendelLinkedIn: https://www.linkedin.com/in/stevenmendel/Bought by Many Website: https://boughtbymany.com/Steven's Recommended ReadsA Fool's Alphabet by Sebastian FaulksBrazzaville Beach by William BoydTwelve Bar Blues Patrick NeateHome Fire by Kamila Shamsie10 Minutes 38 Seconds in This Strange World by Elif ShafakThe Liar by Ayelet Gundar-Goshen See acast.com/privacy for privacy and opt-out information.

Welcome to the next episode of The Rise of the Customer Podcast, the go-to podcast for CX professionals looking to transform their organisation. In this episode, we're joined by Oke Eleazu, Chief Operating Officer at Bought By Many, an award winning pet insurance company. Before insurance, Oke worked across numerous sectors – from retail and financial services to healthcare and housing - and brings with him a great range of practical experience when it comes to delivering customer service excellence for some of the UK's leading companies. During his conversation with Neil Sharp, Oke discusses real-life examples of how you can put customer experience theory into practice and examines: - How to build a business around your customers using customer research - Why you should engage with your customers throughout their entire journey - How the power of insight can help your company culture become customer-centric Oke also talks about his book, ‘The Cult of Customer Excellence: How to Build a Truly Customer-Centric Culture', which explores how the environment and culture created in some of the world's greatest customer-focused companies resembles the mindset created by a cult. It is by understanding the ‘anatomy' of such companies that you can embark upon a journey of customer excellence within your company. If you're a CX professional looking to translate your customer centric principles into practical actions, this episode is the one to listen to.

An extremely important aspect of owning a dachshund (or dog in general) is making sure you're able to care for and afford it should they need veterinary attention. A super interesting and educational discussion with Rae from Bought By Many answering all your questions and worries.

We're very excited to welcome our first guest onto Season 2 of Maybe Baby - the wonderful, animal-loving Gemma Atkinson.With so many thoughts and questions about having a baby when you already have two of the furry kind, we thought Gemma was the perfect guest for this episode. How do we introduce the baby to the dogs? When will they start to form a bond? Will our relationship change with the dogs once the poop nugget arrives?Gemma has some great tips for anyone on a similar journey and tells us why she thought she'd end up with a family of hounds rather than humans and why Gorka might need to stock up on antihistamines.To get in touch, email us at maybebabycast@gmail.com or follow us on Instagram - @thekatelawler and @thenotoriousboj.Maybe Baby is a Podmasters production - www.podmasters.co.uk------This episode is brought to you in association with our friends at Bought By Many Pet Insurance. They've helped protect our pooches and they can help protect yours, too - with up to £15,000 per year of lifetime vet fee cover, no excess option for pets under nine and unlimited video vet calls, 24/7 with FirstVet.We have an exclusive offer for you to get a £40 Amazon gift card when you sign up using our exclusive discount code - simply visit bbm.link/baxtershirley to find out more. See acast.com/privacy for privacy and opt-out information.

David Brear and Nigel Walsh are joined by some great guests to talk about the most interesting news stories of the week just gone! Joining us today are: Nikki Daniels - Board Advisor for Honcho Markets and Founder & Director of e-Zee Insurance Solutions Esben Seyffart Sørensen - Head of Sales at Penni.io Oliver Ralph - Insurance Correspondent at Financial Times We cover the following stories from the insurance and insurtech space: Lloyd’s of London predict a £5bn claims payout (03:46) SMBs might get the payout after all! (12:42) Woman cuts off own hand in attempted claims fraud, get’s two years in prison (24:30) Zego partners with Swedish scooter provider Voi! (33:08) We also bring you an interview with Guy Farley, CTO and Co-Founder at Bought By Many who was recently crowned Technology Champion of the year at the Tech and Innovation awards ! (45:34) All that and much more on this week's episode of Insurtech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the insurtech love by sharing or tweeting this podcast. This episode of Insurtech Insider was produced by Hanna Samuelson and edited by Alex Woodhouse. Special Guests: Esben Seyffart Sørensen , Guy Farley, Nikki Daniels , and Oliver Ralph.

Denise speaks to Charlotte Halkett, Chief Commercial Officer at Bought By Many, an innovative InsurTech pet insurer about the evolution of insurance driven by InsurTech, innovation and customer needs.

Joining Ben today is Lou Northway, Clinical Nurse Lead at Wendover Heights Veterinary Centre and social media influencer - otherwise known as Lou the Vet Nurse Ben and Lou chat about how she made the decision to become a vet nurse and the highs and lows of her career ever since. They also chat about Lou's experience being more in the public eye. Find out more about and follow Lou here: https://www.facebook.com/pg/Louthevetnurse/posts/ The Webinar Vet have partnered with Bought By Many to give 10,000 vet nurses a free year of CPD - find out more and secure your spot here: https://bit.ly/37ZbJYp

In today's episode, Ben is joined by Oke Eleazu, Chief Operating Officer at Bought By Many. Ben and Oke discuss Bought By Many and how they came about and how they have created a truly customer-centric business and how we can learn about this. They also chat about why Bought By Many value their veterinary relationship so much and therefore why they're giving over 100,000 hours of CPD to vet nurses in a partnership with The Webinar Vet. Find out more about this giveaway here: https://www.thewebinarvet.com/pages/bought-by-many-vet-nurse-free-cpd/

On this episode of Insurtech Insider Nigel Walsh is joined by a briliant host of guests to talk about the latest and greatest news in the insurtech sphere! Our guests include: Phoebe Hugh - CEO and founder of Brolly, Nikolaus Suehr - CEO and founder of Kasko Ed Leon Klinger - Cofounder and CEO of Flock We cover the following stories from the insutech space: Lloyds turns to Trov for InsurTech offering (02:24) Brolly launches flexible contents product (09:01) InsurTech Previsico launches solution to fill flash flood forecasting gap (14:46) Bought By Many partners with FirstVet to offer customers free video vet consultations (21:21) Ecclesiastical offers full backing to London Fire Brigade’s plea (26:43) Fraudster sentenced after lying about losing partner’s engagement ring (26:43) All of that and much more on this week's episode of Insurtech Insider! If you enjoyed don't forget to subscribe and please leave a review Follow us on Twitter: www.twitter.com/instechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Ed Leon Klinger, Nikolaus Suehr, and Phoebe Hugh.

Bought By Many are one of the UK’s oldest Insuretechs from when it was nigh on impossible to launch one and to do so meant one was laughed at. Now BBM have over 600,000 members in over 320 specialist insurance groups. They get a super-impressive Feefo trust rating of 4.7/5 from nigh on 6,000 reviews which is great […]

From our 2017 conference Insurance Innovators, Steven Mendel, Chief Executive Officer and Co-Founder at Bought By Many discusses 'Capitalising on social media as a data source': • Identifying profitable customer niches through social media analysis: how can meaningful insight be achieved? • Questions of privacy, morality and legality: the difficulties of tapping into a private world • Aligning data strategy with customer-centricity: steps for success • What opportunities do new data sources present insurers to enhance the customer relationship? Take a look at our upcoming Insurance Innovators: Summit 2018 conference here >> https://bit.ly/2rICBXP

Steven Mendel from Bought By Many – an insurtech firm breaking ground in pet insurance, as well as other products. Interview by Shaun Weston for BankNXT.

From our 2016 conference Future of General Insurance: Innovation in Insurance, Steven Mendel, Chief Executive Officer and Co-founder at Bought By Many presents Data-driven innovation in insurance: • Understanding the crucial role of data in the age of innovation • Determining value: what sources of data are most useful? • How can data be used most effectively within innovation processes? • Customer-focused ideation: thinking about the end result View our programme for our 2017 conference Insurance Innovators: The Future of General Insurance here >> http://bit.ly/2vEISV9

Insurance Fintech is something of a dog that doesn't bark much.  As Steven Mendel, CEO and founder of Bought By Many a rare example of a successful and innovative insurance fintech, says, the key players in this sector across the whole of europe can be...