Raw data has little value nowadays. For example, no matter how many sensors your telematics data sources have, the data is not valuable if it is not put in context. This is why at Raxel we process telematics data and combine it with location services to study drivers’ behavior and eventually increase driver safety and performance. We’d like to share with you how we do that
What is telematics?
At Raxel, we use smartphone sensors to collect location data and movement data. Then this data is coming to the Raxel platform where we process, enhance and enrich the data and interpret it into driving behavior and lifestyle data. Simply put, we combine telematics data sets with a number of HERE location services. More on that below.
What is telematics?
Telematics consists of several elements:
1. Data source:
in other words, it is a device with sensors that can provide users with sensors information, including location, driving behavior and performance. There are a couple of examples below:
Why smartphone telematics is better?
OBDs are not advanced pieces of technology. Generally speaking, they’ve not developed much since emerging onto the market, keeping features and functionality fairly limited, regardless of manufacturer or other services plugged-into the devices. Unlike phones, neither the software nor hardware are updated often. That almost always requires getting a new device. Whereas, with smartphones, software is frequently updated, and consumers change devices every 1 to 2 years, which means the sensors are always improving.
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2. Data management platform
Raw telematics data doesn’t have any particular value for companies on its own. Product companies use the outcome of the analysis of those datasets. Smartphones nowadays have more than 10 different sensors. However, most business cases are required only GPS, Accelerometer, Gyroscope, Compass and Barometer data only.
As a next step we interpret this data into vehicle trips data and driver behavior data. Given our team background and experience with Transportation, on-demand mobility, insurance companies, we know how different patterns have impact on e.g. the probability of road accidents.
Using these correlations, we differentiate drivers by different risk groups from bad (score 0) to good (score 100) drivers. Companies then use these groups to define a different activities and rewards for each of the driver groups.
Location data is key in telematics as it provides information such as driving speed, the types of roads commonly used, road surface condition data, route and the time of day the vehicle is most often in operation. These data is captured and analyzed to understand driving pattern and behaviors. In our product we use:
- HERE mobile SDKs
- HERE Location Services such as Mapping, Routing and Geocoder, but most importantly are:
- HERE Speed Limits
- Road Match Extension (Match the GPS traces to the HERE road network to get the most probable routes for your vehicles and detect illegal maneuvers.)
The HERE location platform contains rich semantic information about the roadways beyond what can be grafted by tracking moving vehicles, including speed limits, rules of the road, and road surface condition data. This can be combined with driver data to create a more realistic picture of how cars move, and why drivers make decisions. Based on the driver behaviors, we are able to provide real time alerts and hazard warnings to improve safety and reduce claim volumes.
For our product, driving behavior data doesn’t have value without location data, and vice versa. For example, you know that driver had a rapid acceleration.? If you don’t have location data – you will mark it as aggressive maneuver, but what if it happened on a highway? – probably the driver just reached a comfortable speed and continue his trip. So, this event can’t be recognized as a dangerous event.
Another case – if it happened on intersection. – it might be a case when driver tried to pass the intersection on a yellow or red traffic light.
The similar story with speeding. You can’t detect speeding without having a precise speed limits data on a particular part of the road.
Read more how we help companies to turn any mobile apps intro telematics application for on-demand mobility, transportation or insurance companies
Practical examples from our customers
Telematics enable insurance companies to run new products: for example “pay per km” product – when you pay for insurance small amount of money for driven km and don’t pay when the car is parked, “on-demand” product – to buy insurance when you really need it.
To improve claims management – insurance company has detailed information about accident, to reduce acquisition cost – product “Try before you buy” when a user who is not an existing customer can download app, check driving behavior and get a special terms for insurance without having history with a particular insurance company.