Behavioral underwriting offers auto insurers cost savings and efficiencies, but it is not the endgame for a revitalized insurance industry. The analytics that produce targeted advertising in the online world are repurposed for the real world, laying the foundation for new behavioral futures markets that trade in predictions of customer behavior. This is where the real drive for surveillance revenues is focused. For example, an executive of cloud services provider Covisint advises clients aiming to “cash in” on automotive telematics to move beyond targeted ads to “targeted applications.” These are not ads on a screen but real-life experiences shaped by the same capabilities as targeted ads and designed to lure you into real places for the sake of others’ profit.

Shoshana Zuboff, The Age of Surveillance Cap…, loc. 676