UX, UI, interaction, illustrations, app and web design.
Youse Trips is the telematics' application of Youse (the digital sales platform of one of the biggest insurance company's in Brazil, Caixa Seguradora). It analyzes the drivers' behaviour and collects data to develop the first Brazilian pay-how-you-drive pricing requirements for auto insurance.
Youse is a Brazilian insurtech that has the purpose of innovation in its DNA. In a way to bring new technologies and trends of insurance market, following global references like Metromile and Lemonade, we've tried to develop the first pay how-you-drive platform in Brazil and validate the idea that drivers tend to exchange data for benefits. For the company, it would be a new step in the search for advanced driving behavior analytics.
THE PRoduct vision
The project started at the first semester of 2017 and, after a series of tests with real users, it was launched in advertising campaigns in early 2018. The initiative is the kick-off of an innovation that aims to bring, through a gamified product that promotes good practices to brazilians, insurance prices according to their behavior at the steering wheel.
The responsible team at Youse was formed by 2 developers, 1 PM and 1 GP, plus me as UX/UI. The development of the platform was made by Amodo, a Croatian company owner of a whitelabel already used by other auto companies in the world.
To get the rewards, the user needs to win specific medals. It is required they start recording the trips they make, before leaving with the car and driving normally. Features of the smartphone itself, such as GPS, accelerometer and gyroscope, collect the data for analysis. If along the way, the Youse Trips does not detect any problems, the driver achieves the maximum score of 100 points. But if any risk behaviors are detected, points are discounted. At the end of the trip, or at any other time when a recording is not being made, it is possible to check the score of each trip already taken and also the average throughout the week, month and year.
The driver receives a complete report, identifying the risky behaviors detected and where they occurred. The data evaluated are velocity, acceleration, braking and curves. As the data is collected by the sensors of the smartphone itself, the device must be placed on its feet and properly safe. The amount of points that the driver loses for their faults also depend on the distance: the less kilometers traveled, the more points lost.
Watch this video to understand it better:
Youse Trips also stores other useful and interesting information that can help the driver plan their daily lives. You can view data such as total travel time, stop time, total distance traveled and average speed to complete the trip. In addition, if the system detects that some risky behavior happens relatively frequently, the app gives tips to the driver on how to drive and thus improve their score.
Medals and ranking
The driver receives medals as he/she fulfills certain missions and challenges. For example, taking 25 consecutive trips without any sudden braking record or recording a trip over 90 kilometers. When obtaining certain sets of medals, the driver can exchange for prizes. Currently, the "Youse Box Auto", a kit packed with various car related products, and Kindle, Amazon's digital book reader, are available. In addition, the score puts the driver in a ranking, in which he can compare himself with everyone who is using the application.
These are the medals I designed for the first release of Youse Trips. The meaning of each and how people achieve them were created along with the branding experience team.
THE DESIGN PROCESS
The first step was to search for telematics apps in Brazil and worldwide. Some of the applications that use the same pay-how-you-drive scheme were references in structure and possible features, but most of them contained a side "burger" menu, and I believe those are not the best way to make the navigation visible.
As a hybrid application, the interface and interaction suggested were unique to both smartphone systems, Android and iOS, and followed guides considering some limitations of the whitelabel model.
Once we've defined what we wanted the Youse Trips to have, I set out to design the user's flow as well as the value proposition of the application, visual identity, illustrations, medals and prizes design, aside from the form of gamification that we were going to use.
Here's the flow of the first release version of Youse Trips:
Within just a month of TV campaign, Youse Trips has already had more than 130,000 downloads, with 420,000 recorded races (on March, 2018).
We're noticing that users have a lot of disposition to record trips in order to get rewards and compete with friends. The next step for Youse is to implement an intelligent system taking advantage of this user's behavior knowledge to improve pricing requirements and evolve the auto insurance product to a new level, with a live policy in a predictive application.
WaNT TO KNOW MORE
Go to the application page on Youse's website, watch the video explaining how it works made by Auto Esporte or watch a video that Youse made to clear all doubts about the app.
Youse Trips is free and available in Apple Store and Google Play.