Marshmallow, Percayso and TransUnion Strike Multi-Year Data Partnership
Marshmallow Insurance has signed a multi-year data partnership with data specialist Percayso Inform and analytics provider TransUnion, deepening an existing relationship and, for the first time, channelling TransUnion bureau data to Marshmallow through the Percayso platform.
The agreement with Marshmallow runs initially for three years and was completed for an undisclosed sum. As part of the deal, Marshmallow has also extended its vehicle data licence with Percayso for a further three years. The tie-up marks the first joint client win for Percayso Inform and TransUnion, which have signed an initial four-year agreement they view as the start of a longer strategic arrangement.
The combination brings together Percayso Inform's behaviour analytics and risk segmentation with intelligence from TransUnion's TrueVision credit solution. Marshmallow says it will use the enriched data to support under-served consumers, understanding risk at the point of quote, renewal and claim on the insurance side, and credit suitability and affordability for its auto-finance business.
For Percayso, the arrangement showcases its ambition to act as a single integration layer for multiple complex data sources, folding third-party credit bureau data into insurance and auto-finance workflows through one platform and supporting both underwriting and lending use cases.
The deal reflects how insurers and auto-finance providers are increasingly leaning on combined vehicle, behavioural and credit data to price risk more precisely and widen access for customers traditionally underserved by mainstream models.
