Centralized vs. Decentralized UBI Product Development

USAA Venkataraman Tiruppayanam
VP of Auto Experience, USAA

USAA James Spears
Assistant Vice President Auto Experience, USAA

Explore the operational challenges in UBI product development when looking at centralized vs. decentralized processes.

  • Where's your UBI business? New markets, big platform needs and acquisitions? Go centralized! Big growth targets, markets segmentation and strong business leaders? Go decentralized!
  • Align with a corporate wide strategy by instilling cross UBI product portfolio management - create interoperability, a common customer UI while eliminating costly development duplication
  • Create true accountability for UBI business lines and a deeper understanding of PnL while enabling superior, tailored product design that overcomes generalization or "platformification"

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