The Digital Transformation Office (DTO) plays a crucial role towards Income's vision of insurance made different by leading innovative digital initiatives and building new business models to serve digital-first consumers and position Income for the future. Some examples include the first rainsurance in Singapore which protects individuals against fare surge on ride-hailing platforms and the first micro-insurance in Southeast Asia which offers flexible pay-per-trip micro premium and accumulative coverage for ride-hailing drivers.

By combining deep insurance expertise with cutting-edge technology, our mission is to revolutionise the insurance industry in Singapore and beyond by leveraging our proprietary HIVE Insurance-as-a-Service (IaaS) platform to deliver innovative, digital-first solutions. Through HIVE, we enable insurers and digital ecosystems to rapidly launch, localise and scale direct-to-consumer and embedded insurance propositions. With pre-built i...