Telematics are not intended merely to know but also to do (economies of action). They are hammers; they are muscular; they enforce. Behavioral underwriting promises to reduce risk through machine processes designed to modify behavior in the direction of maximum profitability. Behavioral surplus is used to trigger punishments, such as real-time rate hikes, financial penalties, curfews, and engine lockdowns, or rewards, such as rate discounts, coupons, and gold stars to redeem for future benefits. The consultancy firm AT Kearney anticipates “IoT enriched relationships” to connect “more holistically” with customers “to influence their behaviors.”

Shoshana Zuboff, The Age of Surveillance Cap…, loc. 669