Reference entries (11)
- reference Motley Fool (2026-05-29) on Progressive — "nearly two decades of data, an economic moat"; Q1 2026 combined ratio 86.4 vs 96 goal (DS, investment commentary)
- reference PMC peer-reviewed — excluding alternative data led to "a significant decline in model performance" (PMC11108212)
- reference J-PAL Agarwal et al. 2019 India — mobile / social-footprint ML predicts loan defaults more effectively than credit-only models
- reference IFC / World Bank — "Cracking the Credit Code: Alternative Data and AI for Financial Inclusion" (2026)
- reference NBER WP 29840 (Di Maggio, Ratnadiwakara, Carmichael, 2022) — "Invisible Primes: Fintech Lending with Alternative Data"
- reference Progressive consumer-savings marketing ($169/$322/$328 avg, "up to 30pct," $1.2B discounts) — EXCLUDED from any article as edge evidence
- reference Progressive — pricing accuracy framed as individuals vs actuarial class ("customers want to be treated as individuals — not as members of an actuarial class")
- reference Progressive CIO Ray Voelker — Snapshot "given us access to segments of the auto insurance markets that we normally did not attract"
- reference Progressive Snapshot — first UBI ("Autograph") 1996; modern Snapshot 2010; surcharge capability 2014
- reference Akerlof 1970 — "The Market for Lemons"; asymmetric information can collapse markets (Nobel 2001)
- research-notes Research notes (capture-layer): the affirmative, inward decision-edge case for data intelligence — information asymmetry applied to pricing, demand, risk, retention, targeting (June 2026)
