How do you incentivise people to do things today, that they might not see the benefit of right away?

A city in Romania think they may have cracked the code, by incentivising people to build healthy habits, by providing them with...bus tickets! What can the world of insurance learn from this wild, but pretty ingenious idea?

Nick and toby wrestle with the concept (and sometimes the pronunciations) to determine if its possible to use innovation techniques to deploy game changing incentives in insurance.