Payback - Refunds & Claims

Payback - Your Personal App for Public Transportation Refunds.

We have spent approximately 1.5 years developing and legally ensuring the quality of a digital application model that will change the way the world handles complaints/refunds from both public transportation and insurance claims. We are launching PAYBACK in the App Store, an app that immediately sends claims for compensation and refunds in accordance with the responsible company's approved guidelines. By thoroughly mapping companies' terms & conditions and the legal guidelines they have set for refunds, we have constructed an app that ensures high-quality claims with each click until they are sent directly to the responsible company.

In addition, there is an AI-generated search engine for your insurances (travel, home, contents, boat, etc.). The app constructs a completed damage report with pre-stored options based on the insurance companies' terms and sends it directly. Everything is based on what you are entitled to, according to the terms of your travel insurance, for example. Insurance documents are downloaded via BankID and stored in the app for immediate use. PAYBACK guides you step-by-step safely and securely through your travel insurance and sends the damage report immediately to your insurance company.

Public Transportation & Communication:
In Norway alone, with 5.6 million inhabitants, there are nearly 200,000 commuters who use public transport daily (Statistics Norway - SSB). There are frequent delays, cancellations, or other disruptions that repeatedly place consumers in frustrating situations. This is unlikely to decrease due to ongoing work and new systems integrating with older infrastructure and other future developments.

The challenge with delays and cancellations in Norway and the rest of Europe, particularly concerning trains and buses, is an outdated and frustrating claims process. Filing a complaint during a delay—whether you're late for work, meetings, or other appointments—rarely or never happens. People simply don't have the time.

The nightmare begins when one starts navigating companies' websites to find the correct options and information, which is often time-consuming, complicated, and not user-friendly. A sense of uncertainty quickly arises about what one is entitled to and which guidelines are correct, but the complaint is potentially sent regardless. When com