Dishonesty increases with online claims
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People rationalize dishonesty
Many otherwise good customers rationalize that it is ok to make small dishonest claims.
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Non-suspicious, dishonest claims
Most dishonest claims are small and non-suspicious, therefore difficult to detect and costly to investigate.
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Speedy claims handling
Customers expect quick claims handling, allowing insurers little time to investigate claims.
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Digital increases dishonesty
As people cheat more online than offline and when distanced from cash and a physical person, dishonesty grows with digital claims.
HonestyPledge API is designed to prevent the many small, undetectable dishonest claims
BRIEF, POSITIVE INTERVENTION
Patent-pending HonestyPledge API integrated into claims process to appear before customer starts a claim.
HonestyPledge triggers moral reflection and customers ‘swipe’ their honesty commitment - thousands of customers every week and millions saved each month.
Honesty algorithm continuously reflects latest behavioral science and fraud insights, derived from industry data and collaboration with leading behavioural economics faculty.
The HonestyPledge API responds to user behavior to deliver relevant, adaptive pledges to customers and generate predictive dishonesty score to investigation team.
