NowThe foundation
Behavioural
scoring
Six driving metrics. Individual risk profiles. A transparent scoring engine that turns real-world signals into explainable insights.
Rule-basedAuditableExplainable
Turning behaviour
into successful outcomes.
Every journey tells a story. We turn mobile telematics and behavioural data into smarter decisions for insurance providers.
- Behavioural analytics
- Driver scoring
- Consumer engagement
- Motor qualification
- Insurance expertise
- Health engagement
- Behaviour modification
- Regulatory readiness
- Data asset creation
- Ecosystem deployment
- Local intelligence
- Aggregator integration
Telematics captures behaviour. Miso turns it into value.
Move beyond a score. Build a living understanding of each individual and use it to create more personalised insurance, stronger engagement and better outcomes.
The platform
One behavioural data layer.
Many applications.
From everyday signals to business-wide intelligence. Four connected layers. One growing data asset.
Data capture
Capture the everyday.
Smartphone telematics, app interactions and contextual signals, with wearable data for the developing health proposition. Different data sources feed the same behavioural intelligence layer.
Behavioural intelligence
Understand the individual.
Turn raw signals into continuously updated behavioural profiles. Understand individual risk patterns, engagement and lifestyle indicators with every interaction.
Engagement engine
Inspire better behaviour.
Personalised feedback, meaningful incentives and timely nudges. Give people a reason to engage, improve and keep coming back.
Business applications
Put intelligence to work.
One behavioural data asset that works across your business. Motor qualification and pricing, with Miso Health in development for customer acquisition, segmentation and engagement.
Capture the everyday.
Smartphone telematics, app interactions and contextual signals, with wearable data for the developing health proposition. Different data sources feed the same behavioural intelligence layer.
Understand the individual.
Turn raw signals into continuously updated behavioural profiles. Understand individual risk patterns, engagement and lifestyle indicators with every interaction.
Inspire better behaviour.
Personalised feedback, meaningful incentives and timely nudges. Give people a reason to engage, improve and keep coming back.
Put intelligence to work.
One behavioural data asset that works across your business. Motor qualification and pricing, with Miso Health in development for customer acquisition, segmentation and engagement.
The Miso platform
Data capture
Behavioural intelligence
Engagement engine
Business applications
A single behavioural data layer.
Connected across your business.
How it works
Behaviour-powered
insurance.
Traditional insurance engages customers twice: at purchase and at claim. Miso enables insurers and distributors to engage before a policy is purchased and improve continuously after it.
Yesterday’s assumptionThe traditional insurance journey
- Consumer needs insurance
- Searches for a quote
- Demographic data collected
- Average-priced policy issued
- No engagement until renewal or claim
The Miso journeyBehaviour first, engagement throughout
Behaviour understood first
Driving behaviour, lifestyle signals and engagement patterns build a rich individual profile before any policy discussion begins.
Personalised recommendation
A behavioural score informs which product, which insurer and which price is right for this individual, not the average.
Quote, compare, purchase
A behaviour-informed quote comparison experience, connecting the consumer directly to the right product at the right price.
Positive engagement throughout the policy lifecycle
Leaderboard rankings, safe driving rewards, partner discounts, quiz incentives and personalised coaching that celebrates improvement.
The result: insurers acquire better risks, consumers pay fairer premiums, and the behavioural data asset compounds in value with every interaction.
Scoring engine
Real behaviour.
A clearer picture.
Our scoring engine brings six driving metrics together into individual risk profiles. Rule-based, auditable and explainable so you can understand the story behind the score.
Talk scoring with our teamSpeed management
Braking
Cornering
Acceleration
Phone use
Journey composition
The score,
in your hands.
Inside Miso Motor, drivers can see their score, track their trips and distance, and get practical feedback on their driving. A clearer view of the habits behind the number.
Explore Miso Motor
Roadmap
Data today.
Intelligence tomorrow.
Build the foundation first. Add intelligence as real behavioural data makes each model more meaningful.
Behavioural
NextIn our roadmap
Predictive
underwriting
Machine learning connecting driving patterns with claims outcomes, moving from a static snapshot toward a richer view of future risk.
Risk predictionDynamic renewal pricing
BeyondIn our roadmap
A wider world
of intelligence
Fraud signals, conversational engagement in Thai and regional languages, and EV-specific risk modelling. More ways to put behaviour to work.
Fraud detectionConversational AIEV risk
The data flywheel
More policyholders generate more behavioural data
More data improves scoring and AI model accuracy
Better models attract higher-quality portfolios
Better portfolios attract more insurers and partners
Explainable by design. Every scoring decision can be explained to the driver, the insurer and the regulator.
The shift
Behavioural infrastructure for the future of insurance.
Most data platforms describe what happened. Miso explains why and transforms that understanding into better outcomes across the full insurance value chain.
The shift toward behavioural intelligence in insurance is no longer a future trend. It is becoming regulatory expectation. Across Southeast Asia, insurers are being asked to move toward behavioural tiering, named driver policies and data-backed premium justification.
Thailand’s OIC Order No. 46/2567 is among the first formal regional frameworks to codify this direction.
A single behavioural data infrastructure deployable across an entire insurance group, creating compounding value as the data asset grows.
Yesterday’s assumption
Driving data for one product
A telematics provider records speeding, braking and mileage, then delivers a score to one department for one product.
Miso’s reality
Behavioural intelligence that grows in value
Miso builds a continuously updated view of individual behaviour. This shared data asset supports multiple business lines and becomes more useful with every interaction.
Yesterday’s assumption
An insurance pricing tool for one product line
A point solution helping one underwriting team price more accurately within a single product line. Useuful but narrow.
Miso’s reality
Connecting consumers, distributors and insurers
One behavioural data layer deployable across motor, health, loyalty and distribution, creating value across the insurance group.
Who we serve
Built for insurance providers.
Miso’s platform is designed for insurance providers that want to move beyond point solutions and deploy behavioural intelligence at group scale.
Across your insurance business.
Move from a single underwriting tool to a data asset that works across your group.
Explore an insurance partnership- Behaviour-based motor insurance
- Customer engagement and retention
- Distribution and aggregator integration
- A foundation for health and claims intelligence
