Youse Home Qorus Innovation in Insurance Awards 2019

Concept and objectives: Youse is a digital guarantor to reconcile tenants and landlords. Tenants outside the boxes can now establish trust. Landlords are safe with a payment service that pays the rent no matter what. The guarantee is automatically activated, No claims! Reasons behind: the French Housing markets still work with fifty years old criteria such as Professional status, Family situation, Nationality. Youse breaks those rules and becomes the guarantor of tenants based on their Financial behavior. State of competition: In June 2018, Youse was the 1st to launch a private service to guarantee all tenants no matter what their professional status is. Now, Youse is the leader of a market that counts 4 new startups as competitors. Sources of inspiration: Personal lives of founders. A brother who as an artist can not rent an apartment. A sister who as a divorced woman with two kids struggle to convince landlords. A colleague who as a Brazilian has no french guarantor in France. Departments involved: A brand new team started from scratch with Business, Process, Marketing, and technology expertise. Youse is a "Corporate Startup" with 6 people, multi-skilled, who works as an agile squad. the CDO impulsed this initiative. Main result so far: 4000 files processed in 6 months. Partnerships with the two main Classifieds Website (SeLoger and BienIci). Awarded as the most innovative insurance service of 2018 and elected by Finance Innovation voters as the 2018 Insurtech of the year.