You have introduced a new service to mObywatel, mStłuczka. How will it work, what other features are already in development, and which are being considered?
We have just implemented a new feature called mStłuczka in the mObywatel application. I am proud of this, as we did not do it alone but with the Insurance Guarantee Fund (UFG) and the Polish Chamber of Insurance. In my opinion, this is one of the best examples of implementation because we first met with representatives from insurers and the UFG to determine how to simplify the process. Digitisation is not just about transferring paper to our smartphones, but also about simplifying things as much as possible, and we succeeded with mStłuczka. The paper claim form has 70 fields to fill in, while mStłuczka has only ten. When you confirm your identity by simply scanning a QR code, your data is retrieved from state registers, so most of the information will be downloaded automatically. There will be no risk of error when entering numbers, addresses, or names, and the rest will be very intuitive.
What does that mean?
After confirming your identity and locating the damage on a car visualisation in the app, you will need to write a short description of the incident, pinpoint your location on a map, and take a photo of the vehicle. The report will be sent to the insurer immediately. This saves valuable time, and in a stressful situation, the system completes a significant part of the report for us. I am very happy about the enormous interest in this service; we have already recorded hundreds of thousands of logins from people wanting to check it out. Unfortunately, since it is always an unpleasant situation, insurers have already registered the first reports via mStłuczka. In the first 24 hours alone, several dozen traffic incidents were electronically reported by the participants. This demonstrates the future direction of the mObywatel application: it will not just be simple digitisation, but also a way to simplify peoples’ lives.
When did mStłuczka start operating?
The service went live on 1 September. However, phone operating system providers roll out updates gradually, first to half of all users and then to the rest over the next few days until everyone has it. So, to get the new feature, you will need to update the mObywatel app as soon as the option becomes available. There is a lot of interest in the service; we can see that several million smartphones have already been updated.
You also announced the implementation of an AI assistant in the mObywatel application by the end of this year. What specific functionalities will the AI assistant have and what is the schedule for its implementation?
We have a very extensive plan for further implementations by the end of the year. In mid-September, we are implementing a student ID card in mObywatel, which is a step towards getting young people used to using applications that simplify their lives. We are introducing it in all Polish schools, so children and parents no longer have to stress about whether a paper or plastic ID card has been brought on school trips. Everything will be electronic, and this will open up opportunities for further implementations related to safety and contact, for example, if a child is in danger or needs to contact a parent.
At the end of the year, a virtual assistant will be added to mObywatel, which means the Polish artificial intelligence model PLLuM will be used in our application. This will be a significant change because you will no longer have to scroll through the screen to find the service we are interested in; instead, we can just start a chat. You will be able to ask how to perform a specific service, such as getting an identity card or passport. You can also ask how many penalty points you have or where the nearest office is to deal with a particular matter. The virtual assistant will guide you through the entire process and show you where to click to find something. If a process has not yet been digitised, it will describe the steps needed to complete it at the nearest office. This represents a major shift in the philosophy of using the application, as it is clear that with more services, you will have to manage them differently. You will manage them through a virtual assistant who will help you with daily administrative tasks.