Transport in

theDigital Age
Disruptive Trends
for Smart Mobility
March 2015

Contents

Foreword1
Executive summary2
Rising demand for transport3
Trends in digital age transport4
User centred6
Integrated and intelligent8
Pricing and payments11
Automation and safety 14
Public and private innovation17
Looking ahead19
About the authors20
Endnotes21

Foreword
Change has already arrived in transport. The current wave of digital innovation, which has brought us travel planning
on our smartphones and far greater access to customer information, was predicted in our 2012 Deloitte University
Press publication and the pace of change is accelerating.
In the last three years digital disruption has become more widespread and companies like Uber have grown to
become multi-billion dollar global enterprises. It is now timely to update our research and to examine the trends that
we believe will be relevant to the future of the metro, rail, road, air and automotive industries.
Smart mobility strives to integrate all modes of transport to provide the vision of a seamless end to end journey
experience. Technology has a major role to play as the transport sector now stands on the brink of great change,
where digital innovation will go further to bring about improvements in operations, asset management and the
delivery of capital programmes.
As the global population in urban areas reaches four billion, our current research seeks to stimulate debate about the
future transport services passengers desire and how digital innovation can support this, and provide a framework for
predicting the trends that will shape the transport industry. We hope you find this report interesting and informative.

Warwick Goodall
Director, Transport Technology

Simon Dixon
Partner, Transport

Transport in theDigital Age Disruptive Trends for Smart Mobility

Executive summary
Change is coming to transportation, whether were
ready for it or not. You can see it in public sector
investment in intelligent streets and digital railways,
automakers focus on next-generation vehicles and
smart mobility services, and in the widening recognition
that the information everywhere world will utterly
disrupt the transportation status quo.

Pricing and payments will see a

revolution over the next five years.
Digitisation of tickets and payments
will transform metro services and allow
all rail operators to follow airlines by adopting e-tickets.
Beyond contactless payments, pay as you travel will be
based simply on location.

The proportion of the global population living in urban

areas continues to rise faster than capacity on roads, rail
and other types of transport. This pressure on transport
infrastructure is driving capital investment estimated
at over a trillion dollars a year. However, you cant
always create capacity by pouring more concrete, and
technology will play a crucial role in changing the way
we travel.

Automation and safety will benefit

from the exponential potential of
cognitive technology, with the potential
to save millions of lives worldwide,
particularly on the roads. Increases in
safety and changes to the nature of liability will have a
fundamental impact on the insurance industry.

The Digital Age has begun, and technology has brought

us smart phones, real-time planning, open traffic data,
and social customer service. For the first time, the
passenger now has more information than the operator.
This fundamental shift offers consumers real choice
based on a picture of alternative routes, comparative
pricing and current network status. As transport
operators adapt and new entrants arrive, new business
models will transform the use of user information,
payments, integration and automation.
These changes will form five disruptive trends for
transport and smart mobility services:
User-centred mobility services put
travellers in control; public transport
will become personal. This changes the
approach to operations and planning
based on users choices, priorities,
data flows and dynamic response to disruption. Staff
will adopt digital uniforms, so that they have the
information to support customers.
Integrated and intelligent transport
networks will sense demand, measure
performance, and monitor the health of
physical assets. Intelligent systems will
respond in real-time to manage capacity
and predict and avoid disruption.

Public and private innovation will

work together to meet the mobility
challenges of the 21st century.
The role of the public sector will
be critical to stimulate advances and protect citizens. New
private sector entrants will take advantage of peer-to-peer
models, digital and mobile technology, and low costs to
scale globally.
Looking ahead, the scale and pace of these dramatic
changes will vary. The digital age is going to empower
the travelling customer and disrupt the way transport
providers operate and manage their services. This
will put emphasis on the need for varied transport
systems to intelligently integrate and facilitate
joined up passenger journeys. To achieve this, the
public and private sectors from government to
automotive manufacturers must innovate and think
differently, working together to ensure the growth and
sustainability of transport for the future.

Rising demand for transport

Demand for transport continues to grow year on year.
Europeans, on average, travel around 35,000 passenger
kilometres per year, whilst the typical person makes 923
trips or 2 trips each day, with the vast majority of
these trips being made by car (64%).1 However things
are changing, rapidly. Since 2002, the number of miles
driven per person has fallen by a dramatic 8.5%. Atthe
same time use of public transport has increased.
In 2012, the number of railway journeys made in the UK
over the year reached a record 1.509 billion, surpassing,
for the first time, the previous record for rail travel set in
1923; if current growth rates persist, then it is likely that
we will see 2.5 billion passenger annual rail journeys
recorded by 2025.2 Moreover, the consumer group
making this happen is not old. It is not nostalgic for the
old days of steam, but young and intrepid. In 2013 17%
of all bus tickets sold in Britain were bought by young
persons (people in the 17-20 age group).3 These trends
are not just isolated to the UK but reflective of the trend
across Europe. In fact, public transport across Europe is
enjoying levels of popularity not seen since the 1950s.

The United Nations expects that by 2030, over 60%

of the global population will live in urban areas, which
may result in declining automobile ownership as
cities may take further actions to promote bicycle and
public transport usage to deter usage of conventional
automobiles.4 Vehicles and parking have to be
adapted for increasingly dense cities to compete with
public transport. Either way, ready or not, the world is
changing.
Europe is a hotbed for transport innovation in the public
realm and much of the worlds investment and existing
infrastructure in high speed rail and metro systems can
be found here. From buses and bicycles to Londons
Crossrail and the Manchester Metro, French TGVs to
Polish Pendolinos, public transport is becoming an ever
more important issue across the continent.

EUROPEANS, ON AVERAGE,
TRAVEL AROUND

EVERY YEAR THE TYPICAL

PERSON MAKES

35,000

923

IN 2012, THE NUMBER OF RAILWAY JOURNEYS MADE OVER

THE YEAR REACHED A RECORD

IN 2013

PASSENGER KILOMETRES PER YEAR

1.509 billion
SURPASSING, FOR THE FIRST TIME, THE PREVIOUS RECORD
FOR RAIL TRAVEL SET IN 1923

TRIPS

17%

OF ALL BUS TICKETS SOLD IN THE UNITED KINGDOM,

WERE BOUGHT BY YOUNG PERSONS (PEOPLE IN THE
17-20 AGE GROUP).

Transport in theDigital Age Disruptive Trends for Smart Mobility

Trends in digital age transport

Digital is coming
The influence of digital is changing the experience of
consumers in all industries and setting expectations
that will shape demand for transport services. In
other industries, such as media, marketing and retail,
technology changes have resulted in significant shifts
and disruption to previously well-established businesses.
For transport the speed of innovation and threats of
disruption will vary. We can already see significant
change in airlines, hotels and travel companies. The
automotive and public transport sectors will feel the
impact next.
Whilst public transport operators may not feel
threatened, there is a compelling case to integrate
services to empower travellers and give them greater
choice.

The adoption of digital will also enable operators

to deliver services more safely and efficiently, with
intelligent networks and greater automation. Across
rail and metro services, changes to ticketing and user
information will transform the relationship with the
customer.
The automotive industry is also gearing up for
potentially dramatic shifts in the ownership and
automation of personal vehicles. Connected car
technologies have already arrived and the greater use
of intelligent traffic management will bring together
automotive manufacturers and those responsible for
road networks to find new and innovative solutions for
smart mobility in the urban environment.

Transport faces increasing innovation and disruption

Marketing

Media

Telecoms
Retail

High
Tech
Automotive

Disruption threat

Financial
Services
Travel
industry

Public
transport

Utilities

Healthcare

Education

Government

Digital innovation

Enabling smart mobility

Form our research and discussion with clients,
academics and the transport industry, we have identified
five disruptive trends which we believe will provide
the framework to enable smart mobility: user-centred,
integrated and intelligent, pricing and payments,
automation and safety, and public and private
innovation.

Over the following pages these trends are described

along with examples and predictions for how they
will develop. Each of these five themes can be applied
to road, rail, and air transport. The vision is to take
advantage of these trends to foster seamless integration
between different modes of transport in order to
achieve smart mobility and improve the individuals
travel experience.

INTEGRATED AND
INTELLIGENT

USER CENTRED

PRICING AND
PAYMENTS

AUTOMATION
AND SAFETY

PUBLIC AND PRIVATE

INNOVATION
Transport in theDigital Age Disruptive Trends for Smart Mobility

User centred
Digital has changed passengers into people. Individual travellers now have access to information and transport services that put them in control.
The digital age has brought the smartphone, giving access to more travel options and real-time status than the control rooms of any transport
operator. This has shifted power to users, meaning the choices they make influence the services and business models offered by the market.
The economics of private travel will be disrupted by the choice offered by new business models. Ride-sharing and private mobility services
enabled by digital technology are dramatically changing established business models and challenging long-established players. These low cost
models, pioneered in the airline industry, simplify the user experience and cut out the middle man to reduce costs.
Public transport is getting personal. Every journey matters5 to users who can dictate what they want from transport and who have increasingly
high expectations of operators reliability and customer service. Travel demand is dynamic and to meet the future challenges for urban mobility,
transport operators must offer public services so easy to use that they are preferred to the private car.

Creating choice for passengers

Throughout the digital age people will become less
dependent on cars; in fact, the number of young
motorists has been decreasing throughout the 2000s.
Constituents of Generation Y are more likely to use
public transport than any other generation. This is
because public transport has become smarter it is
more responsive to its customers than ever before
and mobility is becoming increasingly more usercentred. According to Buzzcar and Zipcar founder
Robin Chase, The combination of the Internet, which
holds the worlds knowledge; wireless, which gives us
ubiquitous and low-cost access to it; and smartphones
that make our interfaces portable and cheap, has
been transformational. This is clearly visible in the taxi
market, where smartphone users are now able to hail a
cab in advance and secure a fare of their choice thanks
to apps like Uber, whose motto is choice is a beautiful
thing.
The exponential growth of Uber has been based on
a delightful, simple experience for users. This has
been enabled by the disruptive forces of the sharing
economy, matching passenger and driver locations,
digital payments and low incremental costs to scale.
Infact, Ubers CEO says he hoped to take 400,000
cars off European roads this year while creating
50,000new jobs.6

My smartphone is my preferred mode of

transportation.8
Rt. Hon. Patrick McLoughlin, UK Secretary of State for Transport

We must have a wide range of options in

transportation says Chase, because people go from
being 0 years old to being 90; they have different
amounts of money, different amounts of ability to
move, different amounts of independence, income and
social interaction. He goes on to point out that how
you move a 2-year-old is not how you would move a
23-year-old, an adult with children, or a senior citizen.
To answer transport issues we need to have a variety of
possibilities.
An effective transport system offers users choice,
adapting to meet demand rather than dictating routine.
As Marcus Bowman, founder of 3G Mobility puts it,
We should not modify peoples behaviour the system
should be able to accommodate the person. It needs
to provide choices for the user.7 However, others point
out that one purpose of dynamic pricing is, in fact, to
encourage users to modify their behaviour to walk or
take the train when streets are congested. In the digital
age, it will be possible to reward people for making such
a decision, enticing them to optimise their travel plans
for time, cost and even fitness. According to Martin
Tugwell at the UK Transport Catapult, the journey now
begins well before the ticket is even bought.
Future smart mobility systems will meet the needs of the
disabled, the regular commuter travelling a fixed route,
people running errands or rushing to be at last-minute
meetings, and an ageing population.
The customer has more information than the
operator
Making a dynamic, multi-modal transportation system
possible requires a fundamental change in who
controls information and how it is shared. Without
comprehensive information at their fingertips whether
it involves public or private services passengers cannot
make the best choices for travel. To understand their
choices and make quick decisions, users need access to
freely shared, up-to-the-minute information.

Within cities, the open data movement is pressing

public transit agencies to make their data freely available
in a widely used format so that developers can build
route, schedule, and other applications on top of it.
Success has been mixed, as City-Go-Round, a website
that provides access to useful transit apps, makes
clear. The website states that as of 2014 only 247 out of
864transit agencies in the United States had open data,
whilst in Estonia none of 32 listed transport operators
provided this service.9 The goal is clear: transportation
data needs to be provided in an open format, similar
to the way in which London Underground transmits
itsdata.
If you live in an urban area, heres where you want
the system to end up: You have a mobile device, and
it knows where you are because it is location aware.
So you enter where you want to go and it gives you
all your options, based on whats going on right now.
It knows the best route, the existing traffic conditions
and how much parking is available close by to your
destination. Moreover, it knows how the trains and
buses are running, where the closest bike sharing spots
are and whether any bikes are available. Based on this
information, your device can process the options and
work out which is the best for you at the present time.
The digital age has made this a reality; a whole host of
mobile apps like Citymapper are making cities easier
to use. Some, such as Google Maps, can even design
routes on a national level. As Google Now is currently
proving, the next step will be for our mobile devices to
synchronize our calendars, remember our past trips, and
understand our daily routines. It will then predictively
alert us about the need to set off.

Customer service and the digital uniform

Digitally enabling staff is often just as important as
enabling passengers. It ensures that those on the front
line of customer service always have the information
they need and can respond as quickly as possible to
queries from passengers.
In the future, digital uniforms will transform the way
members of staff engage with their customers. Building
on the traditional staff uniform, digital uniforms will
take advantage of advances in mobile devices and
wearables to equip staff to respond to passengers and
issues as efficiently as possible. This will make staff
better informed and more responsive to their customers
and transport controllers.
British Airways, for example, deployed 2,000 iPads for
its senior cabin crew in 2013 and built an inventory of
internal apps to improve staff efficiency and passenger
satisfaction on-board its flights. Airlines are even making
use of tablets in the cockpit, allowing pilots to perform
pre-flight checks in a way that then pushes the results
out in real-time, reducing the need to file pre-flight
paperwork.
Connecting transport employees has the potential to
drive efficiency, whether thats by powering the best
digital equipment for engineers, enabling staff to
work more flexibly or making it easier for customer
service agents to engage with passengers. Connectivity
will, and in many cases already is, delivering relevant
information right into the hands of those qualified to
provide advice. This, in turn, ensures that staff should
never be caught off guard, customers are never caught
unaware and services can run more intelligently.

As people become increasingly familiar with real-time

information in their hands, this places expectations
on transport operators to deliver accurate and timely
information in a consistent manner. When this breaks
down or in times of disruption, users suffer missed
connections and frustration. As transport blogger
Craig Nelson experienced when he missed his flight
because of an untimely update to the departure board
at LAX, it just underlines that with all the best data
and technology in the world, there is always a human
involved and if that human isnt paying attention (both
passenger and system provider) bad things happen.

Transport in theDigital Age Disruptive Trends for Smart Mobility

Integrated and intelligent

In a hyper-connected world, the exponential power of a network lies in the connections. For transport planners
integration is key and making movements as easy as possible means linking transport networks so that the
transition from one mode to the next is painless. In the same way, the interconnection of technology and data
allows us to create intelligent systems, which can respond in real time to traveller demand and external conditions
and start to predict and avoid disruption for passengers.
As noted by Susan Zielinksi of the University of Michigans SMART (Sustainable Mobility & Accessibility Research
&Transformation) programme, Transportation is not simply one mode that moves a person or object from
AtoB. It is much more interesting and useful than that. It is a system, or rather a system of systems, connecting
modes, services, technologies and designs according to the best option for the purpose. In these integrated and
intelligent systems, as the complexity of connections increases so too does the inherent value and resilience of the
network.
Building and operating transport services is capital and asset intensive. Disruptive improvements in computeraided design, combined with the ability to sense and measure the health of physical assets, will converge,
enabling radical new ways of monitoring and maintaining the roads, track and runways.

Integration and open data

Open data is transforming the way we use transport.
Information is as much a basic part of the infrastructure
of transportation as roads and rails are Open data
facilitates the linking of modes of transport, opening up
new possibilities for passengers. Enabled by the digital
revolution of mobile applications, the sharing of data
between operators is helping customers intelligently
plan their journeys, often through the use of an
application like Citymapper.
Independent from transport operators, Citymapper
makes use of open data from a variety of sources to
notify its users of services available nearby, compare
different routes and prices, and alert of delays or
disruption. Citymapper has developed alliances and
connections across public and private operators an
example of how open data from multiple sources can be
used to provide better linked-up transport solutions.
The same is true of Google Maps, which can show a
linked up journey plan, detailing journey times, routes
and operators to customers; it can even advise on the
best choice of transport mode.

A modern transport system which doesnt

stream data is inconceivable. He who
wants to build the worlds most modern
infrastructure must envisage, plan and build
roads, rails and digital capability all as one.10
Alexander Dobrindt, German Minister for Transport and Digital Infrastructure

Deutsche Bahns Qixxit service is a similar solution which

has both an intermodal and intramodal approach,
because on the one hand it combines several means of
transportation in the travel chain, and on the other hand
it shows the services of several providers of each means
of transportation. The app provides the fastest and
cheapest means possible, with the variance presented
neutrally, without any preferred means of transport.
The combination or fusion of multiple sources of data
also has implications for transport operators, who often
have to rely on incomplete data to monitor and predict
the state of their network. By fusing data sets they
can create a more accurate and richer picture of their
operations and correlate the running of services with the
interventions they make.
Customers movements, tweets and messages represent
valuable data sources in their own right. They allow
transport operators to get to know their customers,
communicate with them and understand their
preferences and complaints. The potential for transport
planners to use customer data to better understand
demand for their services is unparalleled. For example,
mobile operators are now able to pinpoint customer
journeys with a high level of granularity, allowing them
to distinguish between walking, cycling, driving and
riding a bus. Emer Coleman, director of Transport API,
observes that [Transport planning] is moving from the
tyranny of the expert to the wisdom of the crowd.11

This will transform the ability of some operators, who

are rarely able to collect any information about their
passengers, to know their customers better. When
customers choose to be identified and contacted by the
transport operators whose services they use, they will
enjoy a better user experience.
Sensors and telematics
The availability of information underpins smart
mobility services. So it should not be a surprise that
the movement of networked IT into everyday objects
the so called Internet of Things creates vast
possibilities for reimagining mobility. The true value of
these exponential advances lies in their connectedness.
As Paul Didier, a manufacturing solutions architect at
Cisco, puts it, the value of devices (and the capabilities
they represent) increases exponentially when they can
communicate with other devices and systems.12
The aerospace industry has led in this area for many
years where aircraft telematics relay engine information
via satellite to manufacturers and maintenance teams
on the ground to minimise time on the tarmac.
The newest generation of trains and buses are now
networked and capable of sensing their surroundings,
and communicating with their drivers and the
infrastructure around them. In addition to maintenance
of this transport fleet, the benefits also extend to safety,
capacity and the comfort of customers.
The potential for harnessing customers own
smartphones as sensors leads to the opportunity for
crowd sourcing. Other technologies such as iBeacon
location transmitters can work together with customers
phones to provide a better view of passenger flow and
network capacity. Crowd-sourcing could become a key
method by which operators are able to understand their
networks in real time.
The modern car has, on average, 60 to 100 sensors
onboard. Given that cars are rapidly getting smarter,
the number of sensors is projected to reach as many
as 200 sensors per car. These numbers translate to an
estimated 22 billion sensors sold in cars worldwide by
2020.13 As sensors become ubiquitous and we look to
the future of autonomous vehicles, the data collected
will be used in different and disruptive ways.

THE MODERN CAR HAS ON AVERAGE

60 to 100

SENSORS
ON-BOARD

For example, the data on temperature and weather

conditions sensed by millions of vehicles every day
could be harnessed to drive substantial improvement
in weather forecasting. Ultimately, sensors, telematics
and hugely increasing computer power will allow us to
automate many, if not all, functions of vehicles.
Physical assets merge with the virtual world
The transport industry is particularly susceptible to
breakdowns and engineering issues. Transport must
innovate to ensure that it can meet its maintenance
needs as timely and efficiently as possible.
Maintenance can be improved through the use of
asset information systems and networked technology
for condition monitoring. This approach will make
sure that operators and maintenance staff are well
aware of maintenance requirements before they cause
failure. In the future it may even be possible for assets
to intelligently update their own records and even
selfheal.
In the UK Network Rails ORBIS Programme seeks to
improve the acquisition, storage and usage of asset
information. With 15,777 km of track, the railways
have a lot of assets to map and monitor. The potential
to monitor an increasing proportion of this equipment
so that it provides real-time data on its condition is
huge. The data that could be collected would be
transformative, allowing the rail operator to predict
and avert equipment failures, and thus eliminate
delays on the 24,000 train services run each day in the
United Kingdom.14 The outcome of mapping assets
will also allow maintenance teams to find the target
asset much quicker than before. This would represent
a major improvement for the railways, much of whose
infrastructure is over a hundred years old.

Transport in theDigital Age Disruptive Trends for Smart Mobility

Crossrail is building two railways, one physical and one

virtual.15
Malcolm Taylor, Head of Technical Information at Crossrail

Imagine if, as a passenger on a metro system, you

never again heard that a signal failure at your local
station had caused severe delays on the line. Networked
infrastructure and analytics has the potential to make
this happen. If we can monitor assets in real-time and
have a baseline understanding of where issues most
commonly occur, we can predict and mediate them.
The same is just as true of the roads and airports as it
is of the railways. Planning to monitor asset condition
and maintaining maps of those assets will ensure that
physical infrastructure operates to its optimal level.
The virtual models created with improvements in
computer-aided design will merge with information
on physical assets to optimise asset lifecycles.
Malcolm Taylor, working on Europes largest transport
construction project, alludes to the importance of this
for future transport investment programmes. As he puts
it, Crossrail is building two railways, one physical and
one virtual.16

10

During the planning of major capital programmes,

advanced CAD and sophisticated planning tools will
create a complete, hierarchical virtual model of assets.
During build or installation,physical data is captured as
assets are installed to augment the virtual model. New
sensors enable real-time asset condition monitoring, and
predictive analytical techniques optimise maintenance
cycles and prolong asset lifetimes. The virtual model can
be used to accurately simulate how one asset affects
the entire system and how to prevent failure. The use of
asset information informs future upgrade and planning
cycles, with the potential to dramatically reduce the
operating costs of transport infrastructure.

Pricing and payments

The next five years will see a revolution in the way transport services are paid for. Digitisation of payments will
enable new ways to charge travellers based on a combination of their journey and other factors such as time of
day, class of travel, discounts, previous travel patterns and even whether or not its their birthday.
For nearly all types of transport, effective use of current capacity drives return on investment or profitability. Flat-rate
transport pricing is outdated and does not allow for fluctuations in demand. Increased data on customers travel
patterns allows transport operators to both better predict demand and also understand their behaviour. Thiswill
enable more intelligent approaches to dynamic pricing to optimise capacity of the transport network.
In the Digital Age, tickets are a thing of the past. This revolution is accelerating across transport, and ticketless
travel is now commonplace, not just in the airline industry but increasingly for metro services and road tolls.
Exponential change in the digital payments industry will enable more spontaneous travel, where passengers dont
need to define their destination before setting off.

Demand and pricing

Demand driven pricing has existed in some aspects of
travel for decades, such as aviation. The emergence of
internet booking and low cost carriers in the last fifteen
years provided the platform for competition based on
price.
Whilst physical transport infrastructure often limits
competition in rail and urban transport, a more
sophisticated approach to pricing can be used to
influence demand and make better use of the available
transport assets and capacity.
Most transport operators dont know who buys their
tickets, but as we move towards online and mobile
ticketing, customers will provide their identity when
purchasing tickets to simplify the payment process.
This customer data will provide rich information to
allow operators to both reward customers and offer
personalised travel options. This can be used to optimise
capacity and drive revenue growth.
By contrast, todays road users do not bear the true
costs of mobility, and the consequences of this are
profound. As Ciscos Andreas Mai and Dirk Schlesinger
observe:17
We consume as much as we can because we perceive
[road and traffic services] as free.
Because the true cost of the inflated demand is not
recovered, the public service provider is underfunded.
The resulting demand/supply imbalance cripples road
infrastructure and inflates the cost of mobility.

With the rise of mobile technology and the Internet of

Things, new dynamic pricing mechanisms that would
have been inconceivable just a decade ago are now
possible. This enables pricing to be based on variables
such as time of day, road congestion, speed, occupancy,
and even fuel efficiency and carbon emissions. By pricing
different stretches of road or transit routes differently
based on up-to-the-minute conditions cities can divert
drivers and passengers to cheaper routes, as well as
collect payment for what it actually costs to maintain a
road or system.
While dynamic pricing may still be in the future when
it comes to driving, its fast arriving for parking. Donald
Shoup, an urban planning professor at the University
of California, Los Angeles, and the author of The High
Cost of Free Parking, notes that not only do parking
space regulations waste valuable urban land, but at any
given moment, an average of 30 per cent of the cars in
congested downtown traffic are actually just looking for
a place to park.
For that reason, several intelligent parking schemes
have been established in recent years. San Francisco
is garnering great attention for its SFPark programme,
which has installed networked meters that can sense the
occupancy of each space in real time and communicate
it not just to potential parkers, but to parking
managers who can adjust prices based on the overall
occupancy of a given block and aim to set a price that
keeps one or two spaces free on each block. Similarly,
FastPrk in Moscow reduces frustration, saving time and
fuel by reducing the searching time by 35%. FastPrk has
since partnered to expand its services to Santiago de
Chile and Barcelona, where over 500 sensors have been
installed.

Transport in theDigital Age Disruptive Trends for Smart Mobility

11

Digital payment methods

As the world has developed and people have become
ever more mobile, methods of payment have had to
keep pace. Nowadays people readily expect to be able
to pay by card having exact change is a thing of the
past. With the development of applications like Apple
Pay, it will become increasingly more important for
transport operators to offer a platform that allows for
varied methods of payment. In the future, payments
may move from our smartphone to our wrists as
wearable technology offers secure ways to carry your
digital currency.

By 2020 we predict 90%

of all transport transactions
will not involve the use of a
paper ticket.
This is hardly far-fetched, given how ubiquitous this
kind of connectivity has become in our lives. Deloitte
predicts that 2015 will be an inflection point for the
usage of mobile phones for NFC-enabled payments.18
Ascustomers become more familiar with contactless
bank card and mobile payments, this adoption
is expected to rise. 46.1 million contactless card
transactions were made in the UK in December 2014.19
Transport actually pioneered contactless technologies
in the 1990s. Speedpass, the first contactless payment
device (a key fob for use in gas stations), was launched
in 1997, and in the same year, the Hong Kong metro
system introduced a contactless pre-paid fare collection
system. However the transport sector has failed to
capitalise on these innovations and now lags behind
banking and retail in terms of global integration.

46.1 million
CONTACTLESS CARD TRANSACTIONS
WERE MADE IN THE UK IN DECEMBER 2014

12

As former IBM chairman and CEO Sam Palmisano, points

out, We take it for granted that we can transfer funds
and make payments amongst institutions; that we can
use the same payment and billing systems, regardless
of store, website or industry.20 All these systems have
standards and interfaces that permit information to
flow. Transportation, he argues, isnt even close. The
connections simply dont exist among vehicles, pathways,
government agencies, regulators, providers and carriers,
let alone for the goods and people being moved.
This technology has actually existed for a number of
years, exemplified by Transport for Londons Oyster Card
programme (in operation since 2003) and the recent
installation of contactless payment technology in 2014.
Greater London now has a fully integrated payment
system for all modes of transport that come under the
responsibility of TfL. This technology could easily see
an expanded role in the wider national rail and public
transport network. There is even potential for it to be
implemented in taxi cabs and various other modes of
transport, particularly buses. Since the introduction
of contactless technology to Londons transport,
over 40million payments have been made in just
fivemonths.21
Establishing a well-connected system of systems will
take work. It means making sure that a number of
capabilities are in place: roadways, parking spaces, cars
and transit vehicles that are all equipped with sensors.
Payment systems will have to be integrated so that
regardless of whether youre using a bicycle, taking the
metro or paying road tolls in three different regions,
you can do so electronically using just a single card or
device. And the agencies public or private that run
the various systems must make their data available so
that others can use the data to build the applications
that make it possible for ordinary users to travel easily,
fully aware of their options.
Pay as you travel
Pay as you travel has the potential to transform the
transportation sector. In the rail industry there is the
potential to make use of digital technology and modern
payment solutions, such as contactless card technology,
to make this happen. The sector could make great use
of location monitoring and iBeacon technology to track
customers and their level of payments. The scenario
below presents a possible framework for the way this
might work.

Imagine you are a rail passenger. You touch your

payment-enabled phone to the access barriers at your
local station. You board a train north but dont yet know
your destination. As you travel your phone monitors
your position, it logs your progress and it sends that
data to the train company, which then calculates your
fare. Suddenly your colleague calls and tells you to get
off at the next stop. Upon exit from the station, the
system recognises you have completed your journey
and charges the cost of the trip to your account; your
phone then notifies you of the charge. When you return
home, the system again tracks your movements and
only charges you the additional cost of a return fare. In
this scenario, thanks to iBeacon technology, the system
knows the class travelled and can apply a discount
based on whether the journey has been made during
peak or off peak travel times.

This could revolutionise pricing, meaning that a good

driver would pay less per kilometre, whilst a poor
driver would pay more. The technology to implement
this already exists and is used on an opt-in basis by a
number of major insurers, all of which offer discounts
for good driving standards.
In the future of smart mobility services the boundaries
between automotive manufacturers, leasing companies,
rental providers and even taxis will blur. Car ownership
may be replaced by access to mobility services that
offer a vehicle to suit your needs when you need it.
The choice offered by services such as Uber, Zipcar and
other providers will give rise to new business models
where pricing adapts to demand. The emergence of
autonomous vehicles may be accompanied by a shift
from buying assets to paying as you go.

The automotive industry also has the potential to be

transformed by pay as you travel. Drivers could be
charged by the mile, ensuring that they only pay for
what they use. Furthermore, in the Digital Age, your
style and quality of driving would also feed into the
system (as discussed later in telematics).

Transport in theDigital Age Disruptive Trends for Smart Mobility

13

Automation and safety

The majority
of people we
interviewed
thought
driverless cars
would be in
everyday use
by 2030.

Automation to some degree is not new to transport. Human error is the single greatest cause of injury and
death in every transport system, and advances in technology have been applied to increase safety in signalling
systems, avionics, and automotive applications. The biggest transformation to transport over the next twenty
years could be the saving of millions of lives worldwide.
Todays automation is based on the foundation of science and engineering. However, as we progress towards
greater degrees of automation the logic of engineering may be disrupted by the exponential potential offered by
cognitive technologies. The ability for transport systems to continuously learn, take decisions in real time based on
vast quantities of information, and also predict and anticipate ahead will lead us into the autonomous age.
These disruptive changes will reshape the transport sector and workforce. According to Frey and Osbornes
research for the 2014 Deloitte London Futures Report, greater automation will put jobs in the transport sector at
high risk of becoming obsolete.22 Massive increases in safety and changes in the nature of liability will also have a
fundamental impact on the insurance industry.

Degrees of automation
Technological advances are reshaping the travel
experience. In the automotive world drivers are, in
effect, being turned into passengers and other modes of
transport are more frequently automatically controlled.
The Dubai Metro is an example of this trend 75
km of track and all the trains are operated centrally
without the need for drivers. Dubai is not alone both
Copenhagen and Madrids metro systems are also fully
automated.
Metro systems, in particular, are clear candidates for
investment in automation due to the limited scale
of the network, high density of passengers, and the
high frequency of service. These technology solutions
allow metro operators to run trains at shorter intervals,
decreasing the amount of time passengers spend
waiting for a train and crowding on platforms.

Automatic operation undoubtedly represents the future

for railway operations. In the heavy rail sector, the Czech
rail operator esk Drhy has been pioneering
Automatic Train Operation (ATO) for its operations since
1993. It now has over 200 vehicles equipped with basic
ATO technology and is working to transform its entire
network. The European Train Control System (ETCS) is
a further development which will revolutionise the way
our railways operate. Basic ETCS uses a mix of electronic
tracking and GPS location information to make line-side
signals obsolete. The potential this has for ultimately
taking over train control from the driver is evident.
However it will take many decades for the automation
of mainline services to be adopted due to network
complexity.
Aeroplanes have been heavily automated for a long
time now, with pilots often only required to take control
during taxi operations. Imagine an airport, where apron
operations are increasingly being centrally controlled to
improve safety and efficiency. In fact in Sweden a study
is already underway to relocate air traffic controllers
from towers to a centralised control centre. In the words
of Paul Jones, Operations Manager at NATS, which
provides air navigation services in the UK, I have little
doubt that this is the next big thing for our industry.23
Automation on our roads is an altogether different
challenge. Modern cars can now identify lanes and
track the car in front, enabling new safety features, such
as automatic braking and steering. However, there is
tremendous opportunity for road transport to become
more intelligent.

14

In the Digital Age we are likely to see cars that

communicate with infrastructure (V2I) and each
other (V2V). As US Transport Secretary Anthony
Foxx announced, safety is our top priority, and V2V
technology represents the next great advance in saving
lives. With the support of the Obama Administration
these new standards may become law as early as 2017.
Ultimately the biggest challenge in moving to the
highest degree of automation is the almost unlimited
complexity of mixed operation, with autonomous and
traditional vehicles, and other road users, all sharing the
same road space.
Cognitive technology
Traditional engineering solutions and vehicle to
vehicle communication will never be enough to solve
the problem of mixed mode operation. Instead, the
exponential rise of cognitive technology will offer a new
type of car, one that thinks and drives like a human, but
with the collective knowledge to anticipate and avoid
accidents.
Cognitive ability will also transform the way
autonomous vehicles anticipate and react to hazards
and traffic scenarios. Arrays of sensors and cameras will
give the car 360-degree vision and allow it to judge
range. This information will allow cars to see and sense
in ways that humans never could when driving. This will
allow vehicles to make intelligent decisions about every
issue they encounter.

A number of traditional automotive manufacturers

are now investing significant sums in the technology,
including Volvo, Audi, Nissan, Tesla, BMW and
Mercedes Benz. However, the most famous of these
is Googles self-driving car, of which over 100 are
expected to be on the road during 2015. Google
vehicles alone have already travelled over 1,000,000
miles. The cognitive power of the combined knowledge
of all the miles driven will equip vehicles with the
experience to anticipate almost any scenario. As the
number of vehicles and distance driven grows, the
captured data and accumulated experience will increase
exponentially.

I cant
believe
they still
let humans
drive cars.

Imagine, soon you may be driving down the motorway,

overtaking a large group of lorries that are all sticking
together in convoy. Looking in your rear view mirror
you then realise that none of the lorries have a driver.
Indeed, this could well be the case. Goods vehicles of
the future will be autonomous; they will learn to travel
in convoys to cause the least disruption possible on the
road. They will be capable of travelling throughout the
day and night, no longer concerned about driver hours.
In the digital age, the connected car will benefit from
the next generation of infotainment systems, with Apple
Car Play and Android Auto vying to replace decades of
in-house development by automotive manufacturers.
This will bring the world of mobile apps into the
context of the connected car. Ultimately, the future of
cognitive and autonomous vehicles will revolutionise the
experience for the driver who will now be able to use
the time to work, relax or even sleep as their car takes
control.
Its hard to imagine, but children born today may never
have to take a driving test.

Whilst most mass modes of transport have adopted levels

of automation to increase safety, in the air, on the railway
and at sea, cars have the most to gain from catching up
with the increases offered by automation.

Transport in theDigital Age Disruptive Trends for Smart Mobility

15

Liability and insurance

Currently most accidents happen because of human
error. Whether that be driver, operator or pilot, error is
irrelevant humans are the single greatest reason for
transport accidents. Greater automation of vehicles will
reduce accidents; autonomous vehicles will eliminate
them. The emergence of advanced sensors will allow
vehicles to maintain optimum breaking distance, speed
and course, whilst also monitoring external conditions in
real-time. We can be sure that digital age transport will
be safer than ever before.
Whilst most mass modes of transport have adopted
levels of automation to increase safety, in the air, on
the railway and at sea, cars have the most to gain from
catching up with the increases offered by automation.
This is because of all the transport modes, automotive
is the most likely to suffer from driver failure. This is
due to the high level of human involvement in vehicle
control. With increased automation insurance premiums
would either fall dramatically or disappear altogether,
impacting the ca. 617 billion dollar automotive
insurance industry.24 Furthermore, the technological shift
would move liability for accidents from the driver to the
car manufacturer.
Such technology is already used by a number of insurers
to monitor in real-time the movements of their policyholders as part of a scheme to link policy prices to
driving standards. This group of insurers includes Aviva,
the AA, Direct Line and InsureTheBox.

16

Telematics have the potential to help reduce accident

and injury on the roads, or at the very least aid in
providing medical response. In the case of insurerinstalled telematics devices, should the covered driver
have a serious accident, the trackers can aid rescue
by setting off a series of alarms, allowing the insurer
to alert the medical/rescue services. Indeed, Charlotte
Halkett of InsureTheBox alludes to an incident when
they had a driver upside down in a ditch in a remote
country lane in the middle of the night and were
able to get the emergency services there quickly, [but]
without the alarm, the driver would have been left there
for hours, and the outcome could have been much
worse.25
Other advances are represented by the Deloitte
HexScore, which assigns a level of potential accident
risk to every 500 metre stretch of road in the UK by
assessing the spatial, temporal and environmental
dimensions of people driving on that road. The
Deloitte D-RIVE app, also uses driver performance data
to make similar judgements about the way they are
handling their car. Both figures have great potential to
transform the way individuals insurance premiums are
calculated.26

Public and private innovation

I have never seen anything like the pace of change were seeing today, says
Larry Keeley, founder of Doblin Group, a business that focuses on helping create
innovation within its clients businesses. In the Digital Age such innovation is quickly
changing the way we travel, how operators deliver services, and how governments
invest for the future. Business models invented in the media and retail sectors are
being adapted to change travel and transport. Technology is shaking up the value
chain, enabling new types of mobility services.
However, the role of the public sector will be critical in both stimulating these
advances and protecting citizens. Working together with the private sector, they
will need to build integrated transport networks to prepare the worlds urban areas
for the growth in population and business investment in the coming decades.
Globalisation will enable new transport business models to be transferable between
countries and grow exponentially, whilst cities will compete on a global stage to
offer the best business environment and quality of life.

Future roles of the public and private sectors

In essence, the core role of government is to set policy,
maintain the safety of citizens and support the delivery
of universal and inclusive transport services. However,
one of the hardest questions to answer when looking at
the future of transportation is how change is going to
be organised and paid for.
One of the key assumptions about most roads, railways
and other transport infrastructure has always been that
they are a public good, and therefore should be funded
partially through public subsidies, ultimately paid for by
the general tax base. Financing has been largely provided
by the private sector in the bond markets. However, in
recent years the gap between available public funds and
infrastructure needs has grown ever wider.

I have never seen anything

like the pace of change
were seeing today.27
Larry Keeley, Founder of Doblin

If a new transportation system is going to come into being,

government will neither be in a position to fully fund it, nor
take primary responsibility for it, given the current taxing or
toll levels, particularly against the backdrop of austerity in
Europe. This may need radical new thinking about taxation
for transport infrastructure as the income from fuel duties
falls with the increasing adoption of hybrid and electric
vehicles. For most transport modes, revenue is raised at
point of use, e.g. airport taxes and rail charges. For roads
there will be an increased focus on future models for tolls
and road user charging.

There are clearly challenges for the transport sector

and these need to be met without spending extra
public money. The government is asking private sector
providers to address this need and in doing so it is, by
default, asking them to devise creative new approaches.
The UK Department for Transport has taken on this
challenge with the establishment of the UK Transport
Catapult, which has the task of encouraging innovation
in the transport industry. It was the Catapult that
developed the new rail franchise innovation fund, a
mechanism designed to incentivise new types of change
in the rail industry.
The rail innovation fund embraces public-private
partnership as a basis for revolutionising the rail industry.
With government matching the funding provided by
train operators, the fund is a unique example of how
government and commercial entities can work together
to promote innovation.
Building for the future
To meet the growing urban needs of the global population,
billions will be spent on infrastructure in the next ten years.
However, in dense urban environments you cant always
create capacity by pouring more concrete. New capital
programmes will need to involve investment in technology,
both to ensure effective construction of new systems
and to build intelligence to get the most out of the new
assets. Whilst capital programmes are often built with an
investment time frame of twenty or thirty years or more, it
is increasingly hard to build in flexibility when private sector
innovation cycles are accelerating.

Transport in theDigital Age Disruptive Trends for Smart Mobility

17

Capital programmes should become smarter in the

way that they use technology to understand how
planning should go ahead. The use of technology has
revolutionised the way in which we build and maintain
complex transport networks. As with the maintenance
of assets, if we know where existing structures lie and
their exact physical make up, we can plan to integrate
them into new improvement projects. It is this planning
which will enable the kind of future-proofed capital
programmes we want to deliver.
User-centricity and automation will come together to
deliver a more enjoyable travel experience. With old
constraints removed and new possibilities, architects
and designers will be able to radically reinvent and
simplify our urban environment. Imagine building an
airport, for example. In the future, airports are likely
to be even more automated than they are nowadays;
planning will take into account the decreased need for
physical presence in the airport terminal. All the airports
functionality, from check-in to security procedures, will
be planned from the outset, allowing for a smoother,
more personalised journey.

Going forward crowd-sourcing may help determine

where there is a need for investment in asset building.
Crowd-sourcing could present us with real-time data
about the state of the network and the areas of network/
business that passengers are most unhappy with.
Transport companies often respond too slowly to the
capital requirements of their networks, but digital
monitoring will transform the way in which they
respond to capacity limitations, customer dissatisfaction
and the need to upgrade infrastructure.
Disruptive business models
New business models are emerging based on a number
of disruptive innovations that enable them to grow
dramatically. New entrants, such as Uber and AirBnB,
are taking advantage of excess capacity and a sharing
economy to bring together customers and independent
suppliers using digital and mobile. These new businesses
have simplified the value chain using a peer to peer
model, with little incremental costs to scale globally.
Traveller convenience drives loyalty and in this sector
everything is mobile. Building a delightful business
model requires the seamless integration of several or
all of the five key disruptive trends for transport in the
Digital Age: a user-centric experience, integrated data,
simple payment transactions, some magic automation
and a visionary business.
Its easy to think that the best digital business models
have now been claimed, but the reality is that were
just getting started. Hundreds more innovative ideas
will transform the way we travel and there has never
been a better time to change your business or invent
a completely new one.

18

Looking ahead
Transport in the Digital Age will be autonomous, intelligent and suited to users needs. We can look forward to
self-driving cars and trains, autonomously controlled aircraft and vehicles that learn to adapt to our needs and
preferences. Ultimately, the hassle of using public and private transport will be eliminated by the advances we will
see over the next few decades. This, however, gives rise to another question; what can we expect from transport
in the next five, ten, twenty years?

Five years from now

In the next five years, contactless payment will no doubt become the norm; gone will
be the days of using a ticket machine and carrying a paper ticket. Certainly in modern
metro systems paper tickets will cease to exist you simply wont even be given the
option to buy one. At the same time, our phones will be syncing travel plans with our
calendars, telling us, step by step, what to do next and exactly when to do it. Transport
agencies will be monitoring traffic flow and passenger numbers in real time, preempting congestion and working to avoid it. None of these changes are far away. In
fact, a number of operators are already way ahead of the curve, moving their staff out
of ticket offices and onto platforms, equipped with technology and ready to help any
traveller in need. Millions of sensors will start creating a private network of things.

Ultimately,
the hassle of
using public
and private
transport will
be eliminated
by the
advances we
will see over
the next few
decades.

Ten years down the line

Within ten years we should see the beginnings of fully automated transport. Most of
the worlds metro systems will be driverless and automation of mainline rail services
will be in the testing phases. Signals will disappear from the line-side, trains will
be automatically controlled, and track assets will communicate status data in realtime to a manned control centre. Further still, the public and private sectors will be
working together to push the integrated transport agenda, thereby delivering tangible
improvements in user experience and operator efficiency. Your car will be connected
to a network of other vehicles and infrastructure which inform it of impending delays
and accidents; the beginnings of driverless technology will have arrived. What is more,
regardless of how you travel, you will do so in comfort and with ease.
The airline industry will have removed manned check-in desks and security points will
be increasingly automated. The need for a boarding pass will have been superseded
by contactless technology your payment card will also act as your boarding pass.
Moreover, the days of inaccurate airport delay predictions will be gone from now on,
your contact details will be used by the airlines to push information relevant to your
flight straight to your mobile device, helping you to make a decision about whether to
stay and wait or fly the next day.
Twenty years on
Twenty years from now we can expect the transport sector to have been completely
transformed. Most transport systems will be intelligent, vehicles will be fully
automated, and users travel plans will be facilitated by their mobile devices. Transport
staff will devote all their time to customer service and will never be caught off guard
by a customer who has more information than they do. We will see a revolution in
public-private partnership, with governments promoting and facilitating the integration
of transport modes globally. Payment systems will be standardised and available to
all. The days of the autonomous personal vehicle will have arrived and the driver will
become the passenger enjoying a nap on the way to work!

Transport in theDigital Age Disruptive Trends for Smart Mobility

19

About the authors

Warwick Goodall
Director, Transport Technology
London, UK
Tel: +44 (0)20 7007 9825
Email: [email protected]
@whereswarwick

Tiffany Fishman
Senior Manager, Research
Arlington, US
Tel: +1 (571) 882 6247
Email: [email protected]
@tdoveyfisherman

Warwick Goodall is a director, responsible for Deloitte UKs technology work

in transport. He has worked closely with Transport for London for a number of
years and has wide-ranging experience of technology transformation in both the
private and public sectors.

Tiffany is a senior manager with Deloitte Research in the United States, and
is responsible for public sector research and though leadership for the firms
public sector industry practice. Her research focuses on how emerging issues in
technology, business, and society will impact on public sector organisations. She
has written extensively on a wide range of public policy and management issues
and her work has appeared in a number of publications, including Public CIO,
Governing and Education Week.

Whilst he is currently head of Deloitte Consultings technology strategy group,

Warwick previously coordinated Deloittes technology programme advice for the
Organising Committee of the 2012 London Olympic and Paralympic Games.
Warwick holds an MEng in Electrical and Electronic Engineering from Imperial
College, London; he is a Chartered Engineer and a Member of the Institution of
Engineering and technology.

Tiffany holds a BA in philosophy, public health and community medicine from

the University of Washington and a Masters in Public Policy from The George
Washington University.

Simon Dixon
Partner, Transport
London, UK
Tel: +44 (0)20 7303 8707
Email: [email protected]

Costi Perricos
Partner, Technology
London, UK
Tel: +44 (0)20 7007 8206
Email: [email protected]

Simon is a Partner in Deloittes Public Sector Practice and leads the UK transport
segment. He is the Lead Partner for all Deloitte work supporting Transport for
London, the Department for Transport and the Highways Agency. His particular
transport focus is road pricing/congestion charging with direct experience from
London & New York and advising in other countries such as New Zealand,
Canada & South Africa.

Costi is the Global and UK leader of Deloittes Public Sector Analytics practice.
He has over 20 years of experience in technology, with expertise in information
management, software development, IT transformation, and technology
programme delivery. Costi has worked with transport clients on major technology
programmes, including Crossrail, Network Rail, and Transport for London.

Acknowledgements
A number of Deloitte colleagues generously contributed their time and insights to this report.
Thanks go to Hani Girgis, David Hope, Damian Garnham, Mark Knight and Chloe Reed for their insight into the rail industry, and Michael Dowds,
TomCox, Andy Gauld, Daniel Dunleavy and Mike Manby, for their air travel industry insight. Final thanks go to Andrew Waghorn and Walter Carlton
for their insight into Train Operating Companies and James Konstanczak of Deloitte Consulting for his time in analysing and writing up our findings.
The report also benefitted hugely from the insights of Professor Washington Ochieng of Imperial College, London, Ben Plowden and Natalia de
Estevan-Ubeda of Transport for London, Philip Osmond of British Airways, Richard Brown of the Department for Transport, Alistair Smith and Ross
Paterson of Stagecoach Group, Jonathan Carrier of Jaguar Land Rover, and Paul Warburton of Fujitsu.
Thanks must also be extended to all Deloitte UK partners and staff who made the writing of this report possible and through their relationships with
clients and colleagues, and to those who contributed to the 2012 Deloitte US report which inspired this work.
20

Endnotes
1

National Travel Survey 2013, Department for Transport, 29 July 2014

Passenger Rail Usage Report, Office of Rail Regulation,14 March 2013

National Travel Survey 2013, Department for Transport, 29 July 2014

Digital Age Transportation: The Future of Urban Mobility, Deloitte University Press, 2012

Fit for the Future, Transport for London www.fitforthefuture.tfl.gov.uk

Uber CEO Strikes Conciliatory Tone In Europe, Wall Street Journal, 18 January 2015

Digital Age Transportation: The Future of Urban Mobility, Deloitte University Press, 2012

Franco-British Conference on Transport, Ambassade de France Londres, 14 October 2014

CityGoRound www.citygoround.org

10 Wir sind das Zukunftsministerium fr Deutschland, Bundesministerium fr Verkehr und Digitale Infrastruktur, 22 December 2013
11 Five Observations and Five Quotes from Open Data Cities, Public I, 23 April 2012
12 Digital-Age Transportation: The Future of Urban Mobility Deloitte University Press 2012
13 Automotive Sensors 2015
14 Public Performance Measure, Network Rail
15 Enabling Quality Asset Information to Support the Crossrail Smart Railway, Reliability Web, 26 November 2014
16 Stick to your digital guns, New Civil Engineer, 10 October 2014
17 Digital Age Transportation: The Future of Urban Mobility, Deloitte University Press, 2012
18 TMT Predictions 2015, Deloitte,
19 The UK Card Association, December 2014
20 Digital Age Transportation: The Future of Urban Mobility, Deloitte University Press, 2012
21 Transport for London reports contactless payments surge, Computer Weekly, 9 February 2015
22 London Futures Report, Deloitte, December 2014
23 Paul Jones NATS Blog, NATS, August 2014
24 G
 lobal Motor Vehicle Insurance Industry 2012-2017, Lucintel, June 2012 (assuming a 2.5% annual increase on the 2011 figure in line with
predictions made for 2017)
25 Insurers admit Black Box Data may be handed to police, The Telegraph, 8 November 2014
26 A Strategic Approach to Insurance Telematics, Wall Street Journal (by Deloitte), 4 December 2013
27 E xponential Organizations: Why new organizations are ten times better, faster and cheaper than yours (and what to do about it), Salim Ismail,
14 October 2014.

Transport in theDigital Age Disruptive Trends for Smart Mobility

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