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Why does the area where a policyholder lives tell us so much about their risk? In motor insurance, the link is intuitive, our driving habits and accident risks are shaped by the environments we navigate daily.  Existing research, such as Burdett et al. (2017), has highlighted the “close to home” effect, noting that a significant […]

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Rigor

Following best practices in the field.


Openness

To the extent possible, all science we produce should be easily deployable by others.


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We seek to be better, both individually and as a group.


Inclusiveness

We embrace diversity, both internally and in our research. We work across the world to serve communities and we seek to eliminate structural biases and support financial inclusion worldwide.


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We quickly accept and include new ideas in our work. We also quickly discard ideas that do not pan out and look for novel ways to solve our problems.