The details on a new partnership between the three brands;
Marshmallow Insurance has signed a multi-year partnership agreement with data specialist Percayso Inform and analytics solution provider TransUnion.
This milestone agreement marks an extended and closer relationship between Marshmallow and Percayso Inform. Marshmallow already uses Percayso’s vehicle data, but for the first time Percayso is delivering TransUnion bureau data across the insurance and auto-finance sectors for Marshmallow via the Percayso platform.
The agreement with Marshmallow, which is initially on a three-year term, has been completed for an undisclosed sum. As part of this process, Marshmallow has extended its vehicle data licence with Percayso for a further three years.
The partnership also marks the first joint client win for Percayso Inform and TransUnion, which have also signed an initial four-year agreement but view the contract as the start of a long-term strategic arrangement.
Bringing together Percayso Inform’s behaviour analytics and risk segmentation with intelligence from TransUnion’s TrueVision credit solution, Marshmallow will focus on supporting under-served consumers.
For its part Percayso will enable the seamless integration of third-party credit bureau data into insurance and auto-finance workflows into one platform.
This will allow Marshmallow to understand risk at point of quote, renewal and claim for its insurance business and to understand credit suitability and affordability for its auto-finance business. The solution also offers enhanced underwriting through enriched data insights, improved data consistency and accuracy across customer touchpoints.
The solution supports both insurance and lending use cases, demonstrating Percayso’s ability to act as a single integration layer for multiple complex data sources. Furthermore, the arrangement allows for the further integration and adoption of Percayso’s wider insurance intelligence solutions in due course.
In addition, the strategic partnership between Percayso and TransUnion will be expanded across UK insurance markets in 2026. This signals a broader go-to-market strategy rather than a one-off client engagement for the pair. By working together, Percayso and TransUnion aim to unlock a more holistic view of risk.
Mark Shields, head of partnerships at Marshmallow Insurance, said: “Marshmallow chose Percayso to deliver their bureau requirements for their insurance and auto-finance based on Percayso’s proven ability to deliver both rapid and accurate results, no matter how complex the requirement.
“This partnership will support Marshmallow’s continued growth and scaling needs across the insurance and auto-finance markets, and Percayso’s role as a key data partner in that journey.”
“The adoption of credit and Percayso insights will allow Marshmallow to provide more accessible and affordable financial products.”
Chris Traill, client director at Percayso Inform, said: “This partnership represents a significant, multi-year commitment from Marshmallow, reflecting the strategic importance of Percayso’s data orchestration capabilities within their business.
“Percayso has demonstrated proven speed and agility in delivery, has a strong-track record in delivering complex, multi-source data solutions accurately. We also have a deep understanding of insurance and auto-finance requirements.”
“With the increasing importance of real-time, multi-source data in underwriting and lending decisions, Percayso offers an innovative data orchestration layer that delivers faster decisions, better pricing accuracy, and improved customer experience.”
Russell Dixon, senior director, insurance, at TransUnion, said: “Percayso’s approach aligns closely with TransUnion’s focus on responsible growth, fair access to financial products, and helping clients make better, evidence-based decisions.
“This partnership extends TransUnion’s distribution and reach through Percayso’s established platform, while Percayso can now access integrated market-leading credit, identity and affordability insights from TransUnion.
“TransUnion and Percayso share a vision of enabling smarter risk decisions, improved customer outcomes, and innovation across insurance and lending.”
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