FingerMotion Inc. announce that its subsidiary, Shanghai JiuGe Information Technology Co. Ltd. ("JiuGe Technology") and Munich Re, formed a collaborative research alliance in extending behavioral analytics to enhance understanding of morbidity and behavioral patterns in the China market, with the goal of creating value for both insurers and the end insurance consumers through better technology, product offerings and customer experience. JiuGe Technology's proprietary technology platform called "Sapientus", a provider of behavior intelligence specialized in insurance, is the Analytic Innovation Development arm of FingerMotion. Through knowledge exchange among the joint team's domain experts in insurance, actuarial and data science, the two parties set out to push the envelope of innovation and achieve previously unattainable insights through mining of behavioral patterns and distinctive features with linkages to key risk drivers and product economics, focusing on life and health insurance. The exclusive collaboration combines the deep market knowledge and experience of Munich Re and Sapientus' capabilities in systematizing and dissecting a wide and heterogeneous variety of data with the aim of extracting insights to drive better claim management decisions and increase underwriting efficacy, as well as discern potential behavioral shifts and risk tendencies. Adopting a multifaceted analytic approach, Munich Re and Sapientus look to jointly explore new angles on morbidity & behavioral pattern studies, including the identification of novel predicting factors and development of cluster models to discern categorical cohorts with specific propensities or of particular interest in the context of insurance, such as healthcare access and utilization patterns. This initial step marks the beginning of a journey to be embarked together between Munich Re and Sapientus, leveraging both parties' extensive industry experience and technical expertise to make practical use of behavioral analytics in the areas of customer profiling, risk assessment and product customization. Operating on Sapientus' proprietary behavioral analytics platform powered by a diverse and expansive dataset and advanced modeling capabilities, driven by guidance and feedback from Munich Re on methodologies, direction and outcome of the study, this collaborative effort could facilitate more refined customer segmentation and preferred risk selection, as well as more intelligent claims and fraud management solutions with game-changing implications for Munich Re's insurer clients and the wider industry in the near future.