Relebogile Mabotja speaks to Precious Nduli  the Chief commercial officer at Discovery Insure about Discovery Insure,  collaborating with the John Hopkins University (US) and Affective Mobility (UK) releasing a research paper called Personalisation: the next frontier in behavioural change. How habits and AI-driven personalisation are reshaping driving risk. Drawing on extensive driving data, the paper explores the relationship between driving habits and risk, and the potential for AI-driven personalisation to make behavioural change more effective.