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  "documentTitle": "2019 Global FS Consumer Study DACH",
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      "text": "The majority of respondents are willing to share data in return for products and services that make their lives easier. Many banks and insurers have already started to build and apply a more complete set of customer data to offer new, hyper-relevant services, such as applications that help consumers to manage money, or insurance products that are priced based on behavior. Many providers are still working out, through trial and error, the more compelling propositions.",
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      "text": "But over time, consumers are likely to expect greater innovation in return for handing over their data, and providers that are able to identify attractive data-driven services for different customer segments stand to gain a stronger competitive advantage. An example of a hyper-convenient service for banking customers is “Emma”, a banking application from fintech Emma Technologies LTD. that lets users manage all their accounts in one place, avoid overdraft fees, track spending and pay off debt.",
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