Creating ethics guidelines for artificial intelligence and big data analytics customers: The case of the consumer European insurance market.

为人工智能和大数据分析客户制定道德准则 ： 以欧洲消费者保险市场为例。

• 发表时间: Oct 2021 8
• 来源期刊: Patterns (N Y)
• DOI: 10.1016/j.patter.2021.100362
• PMID: 34693379
• 文章类型: Journal Article
• 作者列表: Mullins M,Holland CP,Cunneen M

关键词: AI; AI ethics; AI governance; AI regulation; InsurTech; data analytics; insurance; risk

Abstract

The European Union (EU) has a strong reputation and track record for the development of guidelines for the ethical use of artificial intelligence (AI) generally. In this paper, we discuss the development of an AI and ethical framework by the European Insurance and Occupational Pensions Authority (EIOPA), for the European insurance market. EIOPA\'s earlier report on big data analytics (EIOPA, 2019) provided a foundation to analyze the complex range of issues associated with AI being deployed in insurance, such as behavioral insurance, parametric products, novel pricing and risk assessment algorithms, e-service, and claims management. The paper presents an overview of AI in insurance applications throughout the insurance value chain. A general discussion of ethics, AI, and insurance is provided, and a new hierarchical model is presented that describes insurance as a complex system that can be analyzed by taking a layered, multi-level approach that maps ethical issues directly to specific level(s).

摘要

欧盟（EU）在制定人工智能（AI）的道德使用准则方面享有良好的声誉和记录。在本文中,我们讨论了欧洲保险和职业养老金管理局(EIOPA)开发的人工智能和道德框架，欧洲保险市场。EIOPA关于大数据分析的早期报告(EIOPA，2019)为分析与人工智能在保险中部署相关的复杂问题提供了基础，比如行为保险，参数化产品，新颖的定价和风险评估算法，电子服务,和索赔管理。本文概述了AI在整个保险价值链中的保险应用。关于道德的一般性讨论，AI,并提供保险，并提出了一个新的分层模型，该模型将保险描述为一个复杂的系统，可以通过分层来分析，将道德问题直接映射到特定级别的多层次方法。