Discrimination

32 posts
Discrimination
Are Regulators Sitting on an Algorithmic Fence? public
Data Ethics 3 min read

Are Regulators Sitting on an Algorithmic Fence?

A key question for insurers over the next 5 years will be how regulators handle the issues raised by their increasing use of algorithms. The message being signalled in a recent paper by the Digital Regulation Cooperation Forum is clear. And the position they’re taking will be an uncomfortable one.…
Duncan Minty
Duncan Minty
Machine Unlearning - a New Digital Capability for Insurers public
Data Ethics 4 min read

Machine Unlearning - a New Digital Capability for Insurers

Some serious exposures are looming on insurers’ reputational horizons. Most stem from how their digital technologies have been configured. If any of those exposures are realised, insurers will have to both delete ‘bad data’ and remove its influence on their models. It’s called machine unlearning…
Duncan Minty
Duncan Minty
Could the Ethnicity Penalty Trigger Something Very Big? public
Discrimination 5 min read

Could the Ethnicity Penalty Trigger Something Very Big?

We’re living in a period of digital transformation. And one of those key areas of transformation is in the law. How do we make our laws fit for a digital future? Insurers have an interest in this on several levels, but in this analysis piece, I’m going to focus on this from a compliance angle.…
Duncan Minty
Duncan Minty
The Two Unknowns Forming Around the Ethnicity Penalty public
Analysis 4 min read

The Two Unknowns Forming Around the Ethnicity Penalty

Two unknowns are forming around the ethnicity penalty research at the moment. Insurers, consumer groups and trade bodies are talking about one of them. The other is not being mentioned. In this analysis piece, I’m going to explore both and what insurers can do in relation to each of them.…
Duncan Minty
Duncan Minty
What the EHRC’s New Strategy Means for Insurers public
Discrimination 4 min read

What the EHRC’s New Strategy Means for Insurers

Around the same time as Citizens Advice published its report on the ethnicity penalty, the Equalities and Human Rights Commission published its strategy for 2022-2025. It’s worthwhile taking a look at, for it will shape the EHRC’s response to this whole issue of discriminatory pricing.…
Duncan Minty
Duncan Minty
How Diverse are the Digital Teams Working in Insurance? public
Comment 2 min read

How Diverse are the Digital Teams Working in Insurance?

There’s a big obvious question that doesn’t seem to have been raised so far in relation to the Citizens Advice ethnicity penalty report. It’s this - to what degree does the problem in pricing set out in their report reflect a problem with the diversity of the people working in digital insurance?…
Duncan Minty
Duncan Minty
Great! You’ve successfully signed up.
Welcome back! You've successfully signed in.
You've successfully subscribed to Ethics and Insurance.
Your link has expired.
Success! Check your email for magic link to sign-in.
Success! Your billing info has been updated.
Your billing was not updated.