Marshmallow Insurance, an auto insurance provider focused on people moving to the UK, has signed a multi-year data partnership with Percayso Inform, a behaviour analytics and risk segmentation specialist, and TransUnion, a credit analytics solutions provider.
The three-way agreement marks the first joint client win for Percayso Inform and TransUnion, who have also signed an initial four-year agreement between themselves, which they regard as the foundation of a long-term strategic arrangement. The deal with Marshmallow is initially set for three years and was completed for an undisclosed sum.
Under the terms of the agreement, Percayso Inform will deliver TransUnion’s TrueVision credit solution data across Marshmallow’s insurance and auto-finance operations via the Percayso platform, the first time Percayso has delivered TransUnion bureau data in this way. Marshmallow has also extended its existing vehicle data licence with Percayso for a further three years.
The combined solution will enable Marshmallow to assess risk at the point of quote, renewal and claim for its insurance arm, while also evaluating credit suitability and affordability for its auto-finance business. The arrangement is designed to deliver enhanced underwriting through richer data insights, as well as greater consistency and accuracy across customer touchpoints.
Percayso’s platform will act as a single integration layer, enabling the seamless incorporation of third-party credit bureau data into both insurance and lending workflows. The solution is also structured to allow for further integration of Percayso’s broader insurance intelligence capabilities over time.
Marshmallow Insurance head of partnerships Mark Shields said: “Marshmallow chose Percayso to deliver their bureau requirements for their insurance and auto-finance based on Percayso’s proven ability to deliver both rapid and accurate results, no matter how complex the requirement.
“This partnership will support Marshmallow’s continued growth and scaling needs across the insurance and auto-finance markets, and Percayso’s role as a key data partner in that journey. The adoption of credit and Percayso insights will allow Marshmallow to provide more accessible and affordable financial products.”
Percayso Inform client director Chris Traill said: “This partnership represents a significant, multi-year commitment from Marshmallow, reflecting the strategic importance of Percayso’s data orchestration capabilities within their business.
“Percayso has demonstrated proven speed and agility in delivery, has a strong-track record in delivering complex, multi-source data solutions accurately. We also have a deep understanding of insurance and auto-finance requirements. With the increasing importance of real-time, multi-source data in underwriting and lending decisions, Percayso offers an innovative data orchestration layer that delivers faster decisions, better pricing accuracy, and improved customer experience.”
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