The other seven: Mobile Customer Self-service (customers can change policies, etc. themselves), Digital Claims Experience Seconds (a chatbot that takes customers through the most common claims in 60 seconds), Robotics (automated completion of certain workflows), GoSmart (rewards for not using mobile phones while driving, see page 23), Situative Insurance (for example, travel insurance close to borders), Big Data (flexible premium pricing depending on customer behaviour) and SME (standard processes for standard risks in small and medium-sized companies).