Ernest North

Enabling actionable insights through data, analytics and AI

3 - 5 March 2020
Sandton Convention Centre

Co-founder, Naked Insurance

Ernest North is a co-founder of Naked, the South African artificial intelligence-powered car insurance provider. Launched in April 2018, Naked’s offering is built on three principles: ensure a fair and transparent insurance process, put customers in control of their insurance experience, and use automation to lower costs.

Ernest is a fully qualified short-term insurance actuary with more than 14 years’ experience working for leading insurance companies in South Africa.

Ernest's previous roles include head of pricing at Hannover Reinsurance, consultant to insurance brands across Southern and East Africa, and underwriting & actuarial director at a leading South African car insurer.

Ernest North will be speaking on the following topic:

11:50

Case Study Achieving a complete view of the customer in a digital-only business: what opportunities does this bring?

Examining the challenges of integrating data from multiple systems and channels to achieve a single view of customer in a traditional business
Understanding how Naked’s digital business model allows it to store millions of data points from every micro interaction a client has on its app, thus achieving a complete view of that client
Identifying the benefits of the single view of the customer with Naked’s model:
- Using AI’s superior ability to classify risk and to predict behaviour, thereby reducing fraud and lowering premiums
- Making customer interactions quicker and less intrusive (eg more than 98% of claims are fast-tracked, removing the frustration and time delays associated with old-school insurance)