Under30: Technology Category 2019 (PART 2)

Under30: Technology Category 2019 (PART 2)

11. Vena Arielle Ahouansou, 25, Benin Co-founder and CEO: KEA Medicals In 2016, Vèna Arielle Ahouansou was part of a delivery team that successfully delivered two babies. But, unfortunately, the delivery caused a haemorrhage in the mother and a blood transfusion was needed immediately. It took the doctors 10 minutes to find her blood type as the mother was fighting for her life. Sadly, it was 10 minutes took long. The mother died that night. It was a sad and unfortunate loss for Ahouansou and her team. Since then, she vowed to find a solution to improve healthcare in Africa. That solution was KEA Medicals, established in 2016. It is a digital platform that connects health structures through a single database, the Universal Medical Identity (IMU), to facilitate the feedback of the medical history of patients. As a patient, your medical record can be accessed from anywhere and at any time. Today, they have over 1,700 health professionals linked on the platform. They currently employ a team of 15, mixed with tech engineers, medical doctors, communications and laws specialists. “My vision is to ensure an easy and equitable access to healthcare for people around the world by breaking down barriers to access to healthcare for them,” Ahouansou tells FORBES AFRICA. In the next four years, she plans to connect 500 million Africans to one million medical doctors. Ahouansou is also a Techstars accelerator program alumni, GSMA Ecosystem Accelerator program and Tony Elumelu Foundation Entrepreneurship Programme fellow. 12. Damilola Olokesusi, 29, Nigeria Co-founder and CEO: Shuttlers Logistics Company With 40% of all cars in Nigeria registered in Lagos, commuting can be stressful. Fortunately, Damilola Olokesusi has come up with an innovative way to move with ease in the city. Her business, Shuttlers Logistics Company, uses web and mobile app technology to enable users to book trips along fixed routes at 60%-80% less than ride-hailing services. You can book a seat, make payments and track updates of your transportation in real-time in a car shared with other professionals and with free wi-fi services. Olokesusi and her co-founder used their savings to start the business after her sister was robbed by armed men disguised as public bus drivers, on her way to work. “These horrific experiences created a need for me to create a solution that my colleagues, friends, family and I could use,” she tells FORBES AFRICA. As the business grew, they received grants from the World Bank, Airtel and Sahara Energy, all of which allowed them to go from one to 22 routes in Lagos. “One of my biggest highlights within the business [was] meeting with President [Muhammadu] Buhari and Vice-President [Yemi] Osinbajo at a private meeting… where I had the opportunity of explaining what we do at Shuttlers. “[The] same day, I pitched in front of Mark Zuckerberg, the best part was him mentioning Shuttlers in one of his Facebook posts,” she shares. Among the awards she has won, she was one of the winners of Women In Africa for the Digital and Technology Award 2017. She is also a World Economic Forum Global Shaper. She powers on. 13. Diana Esther Wangari, 27, Kenya Co-founder and Chief Medical Officer: Sagitarix Diana Esther Wangari was a bright-eyed medical student who had dreams of specializing in neurosurgery. But instead, when she was introduced to the realities of the health care system in Kenya, her dreams changed. “I was overwhelmed by a sense of waste and lost opportunities. It always seemed to me that we could be doing so much better,” she tells FORBES AFRICA. As a result, she ventured into health communication and entrepreneurship to bridge the gap between the health system and doctors, policy-makers and patients. In 2016, she co-founded Sagitarix, a digital platform that facilitates the direct distribution of drugs to those most in need, with a focus on patients with chronic diseases. The company launched an app called iSikCure which allows patients to place orders for drugs. The medicine is then delivered on the same day. They also introduced a subsidiary company, Checkups Medical Centres, a low-cost rapid diagnostics medical clinic which uses technology. Last year, they were able to distribute medical supplies worth over $200,000. They currently have five clinics, four in rural areas and one in an urban area. Wangari says they plan to open up four more urban clinics by June 2020. Her organization has won the Get In The Ring Contest 2018 in Hague, Netherlands. They were also finalists at the SBC AfriTech 2018 in Paris, France. 14. Chinedu Azodoh, 29, Nigeria Co-founder and Chief Growth Officer: Metro Africa Xpress (MAX) “You need to have been trapped in Lagos traffic to truly understand the strong sentiments it evokes in Lagosians and visitors alike,” Chinedu Azodoh tells FORBES AFRICA, leading to the essence of his business. Metro Africa Xpress (MAX) is a bike-hailing service that allows passenger or packages to move around Lagos conveniently at the tap of a button. Azodoh and his co-founder, Adetayo Bamiro, came up with the idea of MAX as part of an assignment while studying at MIT Sloan School, in Massachusetts in the US. They then returned to Lagos and started the business in 2014 with five staff members and three riders in 2014. “We were both involved in every part of the business, which is to say that we rode the motorcycles, and made deliveries,” Adozoh says. Today, they have 70 employees and over 1,000 bike riders. To date, the company has won numerous awards and has been featured by CNN, Business Day and Techstars. In 2017, they were also one of the 20 top African startups selected for the World Bank Group’s digital acceleration program. They were also announced as one of the Business Day’s Top 100 Fastest Growing SMEs in Nigeria. 15. Shoriwa Shaun Benjamin, 29, Zimbabwe Co-founder: Simba Solutions At the age of 16, Shaun Benjamin taught himself computer programming and it was not long before he mastered the trade. Today, he is the co-founder and head software developer of Simba Solutions, formerly known as N-Sho Technologies. The company provides business ICT solutions such as mobile apps, websites and systems, cloud servers and video production. Benjamin started the company in 2008 with his brother when they lived in Cape Town. Soon after, they relocated to their home country when the Zimbabwean market was embracing mobile app technology. “This proved to be a stepping-stone to bigger and more diverse technology projects,” says Benjamin. Their biggest highlight, to date, was developing a mobile app and web portal for the UNESCO ICT Essentials for Teachers program to equip rural teachers with the essential skills to teach IT. They have since created opportunities for 15 small enterprises, supported six families and carried out 20 community initiatives. At the 2018 Agricultural Show, he programmed an advanced virtual reality platform for the Zimbabwe Power Company. “It is those noble and genuine reactions across members of all ages, from your five-year-olds to your octogenarians, that are priceless, those assurances that your technology is not only impacting an inanimate corporate person, but real people with real lives,” he says. He plans to create a global brand and is looking at setting up an internship program for young people interested in tech. Karidas Tshintsholo, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 16. Karidas Tshintsholo, 24, and Matthew Piper, 25, South Africa Founders: Khula App When Karidas Tshintsholo and Matthew Piper moved to Johannesburg to start a business, they slept on the floor for six months, could not afford a bed, or afford to pay rent and electricity. But they still got up every day, put on suits and tried their best to make it work. In the end, it was worth it. The duo now spend their lives as award-winning entrepreneurs, traveling abroad and staying in five-star hotels. After founding their first business, they made their first million at 23. However, it was their second business that developed their knack for entrepreneurship. The duo are reaping what they sowed through their agri-tech business called Khula. It is a platform that connects producers to customers who are looking for locally-grown fresh produce. It also helps them make deliveries; and provides a platform for farmers to get mentorship. Last year, they won the MTN App Of The Year and were ranked one of the world’s top 10 social ventures through The Chivas Venture. In the next five to 10 years, they plan to scale the business throughout the SADC, Brazil and India. Courtney Bentley, member of Forbes Africa 30 under 30 class of 2019. Picture: Motlabana Monnakgotla 17. Courtney Bentley 29, South Africa Co-founder and CEO: Vizibiliti Insight With just R10 ($0.69) and no formal business experience, Courtney Bentley started his first business, ZA Support, providing Apple product solutions to individuals, SMEs and Mac Pro clients in South Africa. However, when he tried to apply for credit for the business, he was denied it because he did not have a credit score. As a result, he sought to find a solution for this problem he shared with millions of South Africans. “I was so naïve when I first started out. I did not have money to go to university, and I had no financial background so, I really didn’t know anything about the financial system or how it worked,” he says. His objective was to build a system that could build track-records for individuals and businesses which didn’t require them to incur debt, and his fintech company Vizibiliti Insight sprung from this challenge. In 2016, Bentley co-founded the business as an alternative credit scoring business, using artificial intelligence for the financial services industry, without an individual having to incur debt to prove that they are not a credit risk. They assess data from individuals, the credit bureau, transactional data, financial analytics and macroeconomic data sets.. The business has analyzed more than R12 billion ($807 million) in loans contracts and has alternative credit intelligence on over 21 million South African consumers and businesses. “Our goal, in the next 18 months, is to be the number of one most accurate alternative credit scoring platform in South Africa,” he says. In 2017, the company won the Mercedes-Benz Predictive Manufacturing Award and last year, they were nominated for the CNBC Africa All Africa Business Leaders Awards Innovator of the Year Award. Josh Okpata and Tochukwu Mbanugo member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 18. Josh Okpata, 27 and Tochukwu Mbanugo, 29, Nigeria Founders: Eazyhire In 2016, Josh Okpata and Tochukwu Mbanugo thought it would be the end of their business. While they were in their incubator phase, someone had stolen their business idea and replicated it online. Their business Eazyhire, a digital peer-to-peer sharing platform that enables individuals and businesses rent items, was gaining a bad reputation. “He created an unregistered company called Easyhire. Our tagline was ‘Hire, Lease, Rent,’ while his was ‘Rent, Lease, Hire’. Our domain was Eazy hire with a ‘Z’, his was ‘Easyhire’ with an ‘S’. Even the color coding was replicated,” recalls Mbanugo. They received an overwhelming amount of backlash from the media and prospective clients. But that did not deter them. It took a massive PR campaign and hard work to win back the hearts of Nigerians. Eventually, they succeeded and were awarded Nigerian Technology Start-up of 2016 by the Nigerian Internet Registration Association. Together, they have grown the business from less than $2,000 in 2015 to an estimated $4 million today. “We have processed over 60,000 transactions and are projected to get to 100,000 by the end of 2019,” Mbanugo says. They currently have 24 full-time employees in two African countries and 22 contract staff in three countries, including Spain. Some of their biggest clients include Dangote Group, Siemens, Google and Intel. Muhammad Salisu Abdullahi, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 19. Muhammad Salisu Abdullahi, 28, Nigeria Co-founder and Managing Director: eTrash2Cash Muhammad Salisu Abdullahi is a young Nigerian turning waste into wealth. He co-founded eTrash2Cash in 2016, a social enterprise business, in northern Nigeria, using technology to exchange e-waste for money. Using the website, mobile app and SMS platform, low-income communities can earn money in exchange for their everyday waste. The waste is then sorted, processed and recycled into products such as organic compost from food wastes, raw material pellets from plastic wastes, and tissue paper from paper waste. Since inception, they have created 27 social micro-entrepreneurs, collected 106,222kg of waste, recycled 99,348km of waste and paid N5,575,273 ($15,487) in incentives. They have since partnered with Microsoft, Co-Creation Hub Nigeria and more. eTrash2Cash is currently self-sustainable and 50% of the profits are re-invested back into the business. “[Our goal is] to make eTrash2Cash an enviro-fintech African brand, which helps people at the bottom of the pyramid to monetize all trash they generate and redeem instant cash to improve their lives,” Abdullahi says. He plans to reach 100,000 low-income earners by 2025. Abdullahi is a Mandela Washington Fellow and an alumnus of the Tony Elumelu Entrepreneurship Program. Silas Adekunle, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 20. Silas Adekunle, 26, Nigeria CEO and Co-Founder: Reach Robotics Silas Adekunle was only a young boy from Nigeria when he dreamed of contributing to the world of modern robotics. In 2010, he took his first step towards his dream. He went on to study robotics at the University of the West of England. “I had visions of Transformers in real life, [but] the reality was quite different. I couldn’t find robots that were functioning [the way] I, and indeed most kids, imagined they should. So, I set out to make one,” he tells FORBES AFRICA. Five years ago, he made his first prototype. It was the MekaMon, the world’s first augmentative reality gaming robot. Together with his co-founders Chris Beck and John Rees, they spent years building the business and developing the MekaMon technology. In 2017, they launched the world’s first AR gaming robot and secured $7.5 million in investments. The same year, they launched with Apple in the UK and the US. This year, they plan to expose MekaMon to advanced students and allow the technology to be used for study and research at university and postgraduate level. Adekunle plans to enable young Africans to achieve their STEM objectives. He has begun executing a robotics and engineering pilot program in Nigeria and plans to expand it to other African countries. “All of us at Reach believe that leading from entertainment is the key to creating the next generation of STEM pioneers,” he says. Joshua Chibueze, Somto Ifezue, and Odunayo Eweniyi, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 21. Joshua Chibueze, 26, Somto Ifezue, 28, and Odunayo Eweniyi, 26, Nigeria Founders: PiggyVest Joshua Chibueze, Somto Ifezue and Odunayo Eweniyi can happily say they have helped Nigerians save $15 million. The former university mates, at Covenant University in Nigeria, previously co-founded pushcv.com in 2014, a digital job site in Africa with a database of pre-screened candidates. But that was not all. Two years later, they founded PiggyVest (formerly piggybank.ng), unaware that it would one day become a million-dollar company. PiggyVest is a financial technology platform for online savings and investing, helping the youth improve their saving culture. “PiggyVest was born out of the need to help people create a sustainable means of saving,” Eweniyi tells FORBES AFRICA. The business has won a number of awards, including the Future Awards Africa Prize In Technology 2018, the Business Day Top 100 SMEs, and the 2017 Village Capital Fintech. Eweniyi has been recognized as the SME Entrepreneur of the Year at Wealth and Society West Africa for 2019. Uka Eje, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 22. Uka Eje, 29, Nigeria Co-founder and CEO: Thrive Agric Uka Eje used to sell KFC and catfish pepper soup in schools. He even went on to run a food e-commerce site. But these initiatives failed. However, all those challenges culminated in him becoming the business leader he is today, as the CEO of Thrive Agric, selected as one of the most promising companies of the year at the Africa CEO Forum last year. Thrive Agric is an agricultural technology-enabled company that works with smallholder farmers in Nigeria to give them access to finance. They have been able to fund over 15,000 farmers across Nigeria. They have a permanent staff of 96 and 14 ad-hoc staff. One of their biggest achievements to date was being selected to participate in the Google Developers Launchpad Space. As for Eje, he was part of the Young African Leaders Initiative (YALI) 2018. He is also a Mandela Washington Fellow. “Our vision is to build an Africa that feeds the world and itself, and to get this done, we plan to have boarded close to five million farmers in the next seven years,” he says. Melissa Mwale, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 23. Melissa Mwale, 29, Zimbabwe Founder: Hive Incorporation, and co-founder: CryptoGem Melissa Mwale is the founder of three organizations, two of them operating in the technology space. In 2016, Mwale was looking for a professional job while selling second-hand clothes out of the boot of her car. Tragedy struck. “The death of my eldest brother when he was only 33 years old gave me a rude awakening. I began to search for my purpose. After deep introspection, I realized I was strongly passionate about Africa,” she tells FORBES AFRICA. The entrepreneur at heart wanted to find something that would not only change her family, but change the lives of Africans, especially women. As a result, she started Hive Incorporation, an online fashion store. She sold her car and laptop and used the money to start the business. The sacrifices paid off because as a result of business success, she was able to buy two brand new ones. The platform has a secure online shopping service with multiple payment methods to choose from such as Debit Visa Cards, Zimswitch, electronic funds transfer, PayPal, EcoCash, Wallet One, Zipit, Bitcoin and cash on delivery. Her love for digital and e-commerce led her to co-found CryptoGem Global. It is a peer-to-peer bitcoin exchange that allows cryptocurrency traders to trade for e-monies or local monies. She was invited by Afrobytes, an African tech marketplace, to share her journey in the e-commerce and blockchain industry in Paris the same year. “Sharing the African story with international investors made my dream more tangible. I believe in creating solutions for Africa that work for Africa instead of duplicating the West,” she says. “In the midst of the difficulties currently being faced by my country, Zimbabwe, I still dare to hope, I still believe in solutions that will help everyone at large,” Mwale adds. One of her goals is to mentor other women in business and create opportunities that might create 100 female millionaire entrepreneurs in Africa by 2030, through an organization she founded called Messe Foundation. Eric Muli, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 24. Eric Muli, 27, Kenya Founder and CEO: Odyssey Capital At only 27, Eric Muli’s company has been listed by the London Stock Exchange Group as one of the companies to inspire Africa. But his company isn’t the only inspiring thing. After finishing high school, Muli received a scholarship to attend Babson College in Wellesley in the US and this was where his journey as an entrepreneur began. He started his first venture, a marketing company called Jossle, while studying. At the time, Odyssey were recognized by Business Insider as one of the best college startups, along with Uber and Microsoft. Muli ran the company successfully but something was amiss. “On graduating in 2014, I had a burning desire to return home and begin building a company that would impact the communities I was raised in,” he tells FORBES AFRICA. The following year, he launched Odyssey Capital, a non-deposit-taking financial institution which provides financial products and services to individuals and businesses in the lower to middle income bracket in Kenya. With a strict policy of 50/50 male-to-female hiring policy, they have since built a team of over 90 employees, 500 sales agents and built partnerships with Samsung, Huawei, TECNO Mobile, Walmart and Airtel. This year, Muli is expanding into Uganda and Tanzania. “We are building an African entity and not just a local entity,” he says. Eric Rutayisire, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 26. Eric Rutayisire, 28, Rwanda Founder and CEO: Charis UAS Eric Rutayisire was born in Kinshasa, Congo, to Rwandan parents who had fled the country due to the political instability and persecution against the Tutsis at the time. In 2010, he had the opportunity to study at the University of Minnesota, Twin Cities in the US. That’s where he fell in love with what would form the business he runs today. With the $1,000 he invested from his savings, he bought drone parts and built one. “The building was successful and as I started flying, I saw a great opportunity for business not in the US but in my home country of Rwanda,” he says. Rutayisire set out to do so and his business, Charis UAS, was born in 2014. The company provides rapid and high-quality aerial imagery to various industries to support intelligent decision-making. But it wasn’t easy. “Many were sceptical about a young African building such technology and many told me it was going to fail. Many times, we were chased out of offices because people thought that we were just kids playing around,” he says. To prove the value of the technology, Rutayisire worked an entire year free in 2015 and the demand started pouring in. Now, he employs 16 full-time staff and has opened new offices in Abidjan, Cote d’Ivoire. One of the projects the company worked on was to use drones to fight malaria. Last year, the company was voted one of the Companies to Inspire Africa by the London Stock Exchange Group. Rutayisire plans to expand the business into 15 countries and reach 15 million farmers through his company’s services. Wissal Farsal and Khalid Machchate, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 27. Wissal Farsal, 27, and Khalid Machchate, 26, Morocco Founders: K&W Technologies Wissal Farsal and Khalid Machchate are a duo passionate about technology. Three years ago, the two founded K&W Technologies International. It’s a digital solutions firm specializing in software and hardware innovative products in a secure and data-driven process. They design brands, develop solutions and scale strategies, from machine-learning to analytics, digital marketing and protective cybersecurity solutions. “We created our first product, Skill Learn, that earned us 5,000 active users in its first four months,” they tell FORBES AFRICA. In 2017, they were awarded by DEMO Africa as Entrepreneur of the Year and Africa Lion for designing their second product called SOS Santé which is a software and hardware solution used to detect road accidents, and alert the closest emergency service. Today, they have raised a seed funding round to industrialize SOS Santé and deliver their first batch in Morocco to CACF Insurance and Siemens. They were also accepted into the Silicon Valley’s acceleration program. Their goal is to create innovative solutions with social impact for Africa. Tyrone Adams and Siyabonga Thomas Tiwana, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 27. Tyrone Adams, 28, and Siyabonga Thomas Tiwana, 29, South Africa Founders: Skywalk Innovations Having met in their third year at Cape Peninsula University of Technology, this duo founded a business out of their shared passion for technology and entrepreneurship. While Tyrone Adams was working on a project digitizing bookings for a personal trainer, he brought Siyabonga Thomas Tiwana on board to assist, and together they made magic. They launched the product and it was a success. Skywalk Innovations is a tech hub and software engineering firm focused on digital transformation to solve business problems, unlock new potential revenue models or drive down inefficiencies in business processes. They assist businesses to develop mobile applications, in innovative research, and digital transformation and software integrations. “We wanted to become Africa’s technology partner,” says Adams. And so, they set out to do just that. Their clients were local and international, ranging from different industries such as government, agriculture, finance and education. Their current team of nine is made up of engineers, business analysts and user interface/user experience experts, a majority of whom are also Cape Peninsula University of Technology alumni. “Our goal is to be the biggest software engineering company in Africa. We are aiming towards a turnover of over R100 million ($6.7 million) in five years and to be listed in a stock exchange,” says Tiwana. Chika Madubuko, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 28. Chika Madubuko, 27, Nigeria Co-founder and CEO: Greymate Care When Chika Madubuko’s grandmother was bedridden due to diabetes, her family found it difficult to care for her. “We were all busy and couldn’t provide her with the care she deserved. Hiring a caregiver for her was so complicated. Sometimes, miles were traveled in futility to interview one caregiver, and we often ended up with a poorly-trained caregiver,” she recalls. As a result, she decided to create a business as a solution to this problem. Greymate Care is a digital platform that connects patients to an insured and professional caregiver 24/7. Madubuko launched the business with $4,500 in Abuja in 2016. Her team has since grown to a staff of 20. She plans to expand into other African countries such as Kenya and South Africa. Among her accolades, Madubuko was a finalist for the She Leads Africa Accelerator 2017. She also received an award for Social Innovation by Women in Africa Philanthropy Entrepreneurs Club Programme. Dorcas Owinoh, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 29. Dorcas Owinoh, 28, Kenya Co-founder and Director: LakeHub Dorcas Owino was born in Kibera, one of the informal settlements in Kenya. Now, she works at improving technology access to girls from similar backgrounds. She co-founded LakeHub with her team at university. It is a technology and social innovation hub in Kisumu that supports a community of creatives, programmers, hackers, designers and entrepreneurs; a majority of whom are girls aged between 13 and 19 years old. One of their biggest successes was in 2017 when a group of girls from LakeHub were the only team picked to represent Africa at the 2017 Technovation Challenge, sponsored by Google, Verizon and the United Nations in Silicon Valley, US. “I feel strongly that as women, we have to own our careers and destinies, because no one else is going to be as invested in your success as you will be. Also, it is imperative that women find both mentors and sponsors who can help them guide and navigate the landmines along the way,” Owinoh says. Some of her company’s partners are Siemens Stiftung, Pluralsight, Hivos, and Segal Family Foundation. Last year, she was a runner-up at the Queens Young Leaders awards. Ndabenhle Ngulube, Matthew Smith, and Marnus van Heerden, member of Forbes Africa 30 under 30 class of 2019. Picture: Supplied 30. Ndabenhle Ngulube, 28, Matthew Smith, 26, and Marnus van Heerden, 29, South Africa Founders: Pineapple App With a snap on your mobile phone, you can now insure anything under a minute thanks to this trio. Marnus van Heerden, Matthew Smith and Ndabenhle Ngulube founded the Pineapple app in 2017. It is a peer-to-peer, decentralized digital form of fast insurance for absolutely anything except vehicles and houses. Hannover-Re, one of the largest reinsurance groups in the world, ran a global competition to select a team that would come up with an idea to disrupt the insurance space. Van Heerden, Smith and Ngulube were the lucky ones to represent Johannesburg and were incubated for six months with salaries and the Pineapple app was born. “Laden with paper intensive on-boarding procedures, and hidden behind a veil of complexity, the insurance industry has become somewhat of a landmark for innovation,” they tell FORBES AFRICA. The next year, they secured R5.2 million ($359,412) in seed investment from Lireas Holdings. Since then, they have built a community of 13,000 users. In 2018, at the Lireas conference, they received a certificate of excellence as the Most Innovative Company and won the MTN business award for the Best Consumer Solution. This year, they plan to expand their services to insure vehicles at the snap of a picture and they plan to expand to the US as well. Their plan is to become the go-to insurance product for the “sharing economy”.

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