The theme of mobility plays a crucial role in the sustainable development of future cities and, more broadly, in the more efficient use of resources. Day by day, millions of citizens move for work, recreation, travel, or simple daily activities. Therefore, the future of mobility is not only about moving from point A to point B but directly impacts the daily lives of those who inhabit and animate these cities.

Recently, phenomena such as car sharing, carpooling, and peer-to-peer transport services are gaining ground, especially among younger generations. In the age group between 18 and 40, there is a decrease in the use of owned vehicles in favor of mobility-sharing systems, leveraging apps and new technologies.

In this period of rapid change, Smart Mobility is emerging as an increasingly relevant and necessary social and technological revolution. It goes beyond simplifying the movement of people and goods, positioning itself as a catalyst for the transformation of urban spaces into sustainable environments. This article will explore how the intersection of technology and mobility can contribute to reducing environmental impact and improving the quality of life for all of us.

Internet of Things: Data Collection and Analysis for Smart Mobility

In the digital era we are living in, the Internet of Things (IoT) emerges as a condition for many innovations that are revolutionizing various fields, including Mobility. The connectivity of IoT devices enables an unprecedented synergy between vehicles, infrastructure, and users: intelligent sensors integrated into roads can monitor real-time traffic, sending valuable data to optimize management. Connected cars can communicate with each other, avoiding collisions and optimizing routes to reduce travel times. This synergy also extends to services related to Shared Transportation: IoT devices, for example, allow effortless booking and location of shared vehicles. The combination of IoT & Smart Mobility, in addition to making transportation more efficient, sets the groundwork for new services that aim for a personalized mobility experience.

The Revolution of Electric Vehicles

Another pillar of the sustainable mobility of the future is the transition to electric vehicles. Battery technology has taken giant strides, making electric vehicles increasingly accessible and practical. With zero local emissions, these vehicles not only reduce environmental impact but are also at the forefront in terms of performance. The widespread adoption of fast and accessible charging infrastructure is crucial to ensuring the success of this revolution. There is still much to be done in this area, especially regarding the production and disposal of batteries, but it is undeniable that a path has been taken from which it will be difficult to turn back.

The New Era of Car Sharing and Bike Sharing

The sharing of transportation is another sector that has greatly benefited from new technologies. Car sharing and bike sharing platforms allow for a more efficient use of vehicles, reducing the overall number of cars in circulation and decreasing pressure on available resources. User-friendly applications make booking and using these services a breeze, promoting a more sustainable and healthy lifestyle.

Autonomous Driving: Safety and Efficiency for Sustainable Mobility

The advent of autonomous driving is also revolutionizing mobility. Vehicles capable of moving autonomously, perhaps "communicating with each other in real-time," promise to reduce road accidents and optimize traffic flows. With greater fuel efficiency and more predictable travel times, autonomous driving emerges as a valuable ally in the fight for more sustainable mobility.

Smart Mobility: What does it serve for in concrete terms?

The technology of Smart Mobility platforms has evolved significantly in recent years: from car-sharing platforms to ride-sharing platforms, from bike-sharing platforms to those for managing corporate fleets. But what can they practically serve for?

1. To manage the transportation of people or goods, for example, to plan the optimal route and obtain information on the location of vehicles.

2. To monitor vehicles, collect data on their location, as well as speed or fuel consumption.

3. To manage the fleet, for example, to assign vehicles to employees and track their performance.

4. To provide travelers with information on transportation schedules or seat availability.

Smart Mobility and Smart Cities

As crucial as the technological aspect is, it is not the only factor influencing the future of mobility: our cities must also be able to accommodate and facilitate change.

A Smart City is not only digital and interconnected but must also offer personalized mobility solutions based on the needs of citizens. This also impacts infrastructure for micromobility, such as bike lanes and pedestrian sidewalks, which must be increasingly integrated.

The cities of the future are called to be sustainable: the integration of smart infrastructures, such as synchronized traffic lights, traffic sensors, and vehicular communication networks, will enable more efficient management of vehicle and pedestrian flows. This will reduce travel times and dangerous situations, but will also contribute to an overall reduction in emissions. New technologies are shaping a future where urban mobility is not only efficient but also environmentally friendly. From roads to infrastructure, from vehicles to transportation sharing, technological innovation offers key solutions to address environmental challenges and build greener and more livable cities.

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By 2022, the Connected Car & Mobility market in Italy has reached a value of 2.5 billion euros, +16% compared to 2021, according to research by the Connected Car & Mobility Observatory of the Politecnico di Milano

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ADAS IN EUROPE

Demand for ADAS in Europe has been spurred by European legal requirements, making these devices mandatory in new vehicles from 2022. Connected cars are to date a conduit for innovative services and features that can be unlocked for a fee, such as extending the battery life of an electric car.

Connected cars offer numerous benefits, such as fleet monitoring, responsible driving, and scheduled maintenance. Smart road projects, such as ANAS's, improve road efficiency, from electrification to assisted driving.

BLACK BOXES

Black boxes, or telematics boxes, are devices that record data on driving and accidents, facilitating recovery and providing information on driving style. Insurance companies use them to calculate more accurate premiums based on information regarding vehicle safety.

The most popular solutions today are Gps/Gprs boxes for tracking and recording driving parameters for insurance purposes (10 million, up 4 percent from 2021), but growth is mainly driven by natively connected cars via sim (4.3 million, up 21 percent). More and more companies are also able to collect large amounts of data from vehicles: services in this area reach 480 million, +20% compared to 2021.

CONCLUSIONS

In conclusion, the evolution of connected mobility and the use of black boxes are transforming the insurance market. With collected data and advanced technologies, insurance companies can offer customized policies and more accurate premiums based on driving style and vehicle safety. Connected cars not only improve road safety, but also fleet management and scheduled maintenance. With innovative solutions like those offered by Frontiere, connected mobility opens up new opportunities for insurers, consumers, and fleet managers, redefining the future of mobility.

Frontiere offers connected mobility solutions, including its Pay Per Mile service, which analyzes trip data and generates customized policies.

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A project highlighting the sea's new sharing mobility concept that, thanks to a dedicated App, allows people to quickly rent their own dinghy, driving it safely and freely.

When we think of Sharing Mobility we naturally think of a car, a scooter, a bike, a van or a scooter. Wouldn't it be nice to enjoy a smart and fast solution for renting a dinghy as well? 

There is a way to enjoy sharing mobility even on vacation and it is called E-Sea-Sharing! A sea of freedom all Made in Italy - write Giuseppe Labate and Claudio Fiumara, CEO and COO respectively of the parent company of the world's first boat sharing service, designed and developed to meet the needs and desires of all those travelers who want to experience the sea. 

Thanks to a dedicated App, E-sea sharing allows people to quickly rent their dinghy: just search for the nearest port and start the rental at any time. The service is currently available on the Emerald Coast and will soon land in the Cinque Terre, the Aeolian Islands and the Amalfi Coast.

It is, therefore, a project that highlights the new concept of sharing mobility of the sea. 

The innovative platform is tailor-made and reflects the specifications necessary for the delivery of the service by E-Sea Sharing itself. The App is currently available on the Apple Store and Google Play Store.

We met with the star-up's COO Claudio Fiumara and, of course aboard an inflatable boat from the E-SEA-Sharing fleet, asked him how the idea came about and what the actual benefits are for travelers.

How did the E-Sea Sharing project come about?

The innovative start-up was born in 2020 from the vision of two young entrepreneurs with a passion for the sea and technology who decided to bring these two worlds together to give boating a new look and bring it closer to the most advanced land-based mobility systems.

Giuseppe has always cultivated his passion for the sea by working with charter companies and running a tourist marina. Claudio, on the other hand, an environmental and territorial engineer and Ph.D., is a founding partner of a university spin-off and is constantly researching innovative projects. The two, following the forced stop caused by the lockdown, thus decided to form E-Sea Sharing with the aim of revolutionizing and industrializing the process of nautical leasing by launching boat sharing on the market.

What are the benefits for users of the service?

The benefits offered to the customer are many and respond to the need for easy, fast, affordable sea travel, overcoming the limitations inherent in the currently existing options.

First, the service allows anyone to have access to an opportunity that until now has been reserved for the few, due to the high cost and objective difficulties involved in owning a boat. 

The vessels, being equipped with 40-hp engines, can be used even by those who do not have a boat license. Vessels are always available, geolocated and identified by means of a mobile application, which makes it particularly easy to use the service. This allows the customer to be totally free to sail, at any time, to any route, and to release the vessel even in a different port than the one of departure.

Compared to traditional rental, E-Sea Sharing offers payment, contactless and cachless, even by the minute, so that the customer can decide to pay only for actual use.

All of this is done autonomously, without having to contact a boat owner, making boating a 360-degree experience and offering even the less experienced a chance to experience the unmooring and mooring of a vessel.

The service is monitored remotely through technological devices that aim to increase safety at sea, both for the customer and for other boaters.

E-Sea Sharing is a highly innovative and unique project in italy: helping the startup build the sharing platform, starting from our full suite of shared mobility solutions, was an exciting challenge.

Go E-Sea Sharing!

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How to revolutionize the insurance industry with models and solutions to assess risk, build customer loyalty, and detect fraud? We asked our Chief Mobility Technology Officer.

The technological evolution represented by the combination of Internet of Things (IoT), Artificial Intelligence (AI), and Automation has proven to be a winning bet in several industries. In the insurance field, particularly in Insurance Telematics, these emerging technologies offer unprecedented opportunities to improve efficiency, reduce costs and provide better service to customers. 

We recently interviewed our own Marco D'Ambrosio on the topic, who provided us with a broad and comprehensive overview of why to take a specific approach and the resulting benefits for companies that choose to integrate these three technologies.

Marco, how would you define with one adjective the integrated use of Internet of Things (IoT), Artificial Intelligence (AI) and Automation in Insurance Telematics?

"Disruptive" is the adjective I use most often to qualify the approach that Insurance Telematics offers to risk management in the insurance industry, bringing benefits to both companies and customers. The integration of IoT, Artificial Intelligence and automation creates new opportunities for improving efficiency, reducing costs and offering personalized service. Insurance companies that adopt these innovative solutions will be able to remain competitive and provide added value to their customers in an ever-changing market.

Point us to four significant use cases that help us understand the benefits of the integrated approach of IoT, AI and Automation in Insurance Telematics?

  1. I would definitely start with Risk Assessment and Rates. Through the use of drivers' driving data collected through telematics devices, it is possible to quantify customers' risk in real time. This data allows insurance companies to set rates appropriate to each customer's driving profile. With detailed risk analysis, prudent drivers can be rewarded with lower rates, thus incentivizing responsible and safe driving behavior. In addition, this innovation can support coaching actions, helping drivers adopt responsible behavior with a significant impact on traffic accident prevention, thus contributing to greater road safety and positive social impact.
  1. There is also an objective advantage in Demand Management. Process automation based on customer data enables more efficient insurance claims management. With the integration of AI and automation, it is possible to automate the prioritization of claims based on importance and automatically approve those that are simple and well documented. This not only speeds up the claims handling process, but also improves customer satisfaction by reducing waiting time and simplifying the claims process. However, I always emphasize that automation does not completely replace human involvement, but complements it. Claims evaluation and approval can be supported by AI systems, but human oversight is always needed to ensure accurate analysis and make appropriate decisions.
  1. A third winning use case? Certainly that, in the long run, of customer retention: the use of customer behavioral data makes it possible to identify the likelihood that a customer will switch to competitors. The information gathered can be used to reach at-risk customers and provide them with personalized offers. Through targeted marketing strategies and appropriate incentives, insurance companies can actively work to retain acquired customers, thereby improving retention and reducing churn rates. However, never forget that an ethical and responsible approach to the use of customer data is always a priority: it is mandatory to respect customer privacy and ensure the security of personal information.
  1. Then there is a fourth use case I would like to mention: the use of integrated Insurance Telematics for fraud detection. The fight against fraud is a common challenge in both the banking and insurance sectors. The use of AI-based predictive models enables insurance companies to estimate the probability that a claim is fraudulent. These claims can be targeted for further investigation, thereby reducing losses caused by fraudulent behavior. Automation of fraud detection processes helps prevent and counter fraud attempts, ensuring greater reliability and integrity in the insurance industry. As with the previous point, fraud detection must be balanced with the protection of customer privacy. Insurance companies must ensure compliance with data privacy regulations and ensure that they use customer information only for legitimate and legal purposes, such as fraud prevention.

Thank you Marco! A truly comprehensive review that shines a spotlight on several aspects of Smart Mobility that are absolutely effective for companies wishing to access integrated and innovative technology solutions. One last suggestion for those who will read this interview?

My dispassionate suggestion, for anyone who feels like embarking on a path of business innovation, is to contact us. At Frontiere, we are constantly working to facilitate access to innovations in all market sectors and, therefore, to innovative business models. It is the principle that has always guided our research and development and that makes our approach to smart mobility and risk management in the insurance industry disruptive.

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