The consultancy firms are aligned in advising all their insurance clients to get into the surveillance game. AT Kearney acknowledges that the "connected car" is a proving ground for what is to come: "Ultimately, IoT's true value depends on customers adjusting their behaviors and risk profiles based on feedback from their 'things.'" Health insurers are another target: "Wearable accelerometers" could "improve traceability of their compliance" with prescribed exercise regimes, and "digestible sensors" could track compliance with dietary and medication schedules, "providing higher truth and better granularity than a monthly refill."

Shoshana Zuboff, The Age of Surveillance Cap…, loc. 673