18 The reducing prevalence of start-ups looking The increasing prevalence of start-ups ‘exploring new to ‘enhance customer interactions’ approaches to underwriting risk and predicting loss’ 35% 14% 30% 12% 25% 10% 20% 8% 15% 6% 10% 4% 5% 2% 0% 0% 2016 2017 2016 2017