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An Empirical Invest...
An Empirical Investigation of the Right to Explanation Under GDPR in Insurance
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- Dexe, Jacob (author)
- KTH,RISE,KTH Royal Institute of Technology,RISE SICS AB,Prototypande samhälle,KTH Royal Institute of Technology, Sweden,Medieteknik och interaktionsdesign, MID
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- Ledendal, Jonas (author)
- Lund University,Lunds universitet,Institutionen för handelsrätt,Ekonomihögskolan,Affärsrättsligt centrum vid Lunds Universitet, ACLU,Forskargrupper vid Lunds universitet,Department of Business Law,Lund University School of Economics and Management, LUSEM,Lund University Centre for Business Law (Swedish abbr: ACLU),Lund University Research Groups,Lund University, Sweden
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- Franke, Ulrik, 1981- (author)
- KTH,RISE,KTH Royal Institute of Technology,RISE Research Institutes of Sweden AB, Kista, Sweden,Mobilitet och system,KTH Royal Institute of Technology, Sweden,Medieteknik och interaktionsdesign, MID
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Gritzalis, Stefanos (editor)
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Weippl, Edgar (editor)
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Kotsis, Gabriele (editor)
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Tjoa, A Min (editor)
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Khalil, Ismail (editor)
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(creator_code:org_t)
- 2020-09-14
- 2020
- English 15 s.
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In: Trust, Privacy and Security in Digital Business : TrustBus 2020 - TrustBus 2020. - Cham : Springer International Publishing. - 9783030589851 - 9783030589868 ; 12395, s. 125-139, s. 125-139
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Abstract
Subject headings
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- The GDPR aims at strengthening the rights of data subjects and to build trust in the digital single market. This is manifested by the introduction of a new principle of transparency. It is, however, not obvious what this means in practice: What kind of answers can be expected to GDPR requests citing the right to “meaningful information”? This is the question addressed in this article. Seven insurance companies, representing 90–95% of the Swedish home insurance market, were asked by consumers to disclose information about how premiums are set. Results are presented first giving descriptive statistics, then characterizing the pricing information given, and lastly describing the procedural information offered by insurers as part of their answers. Overall, several different approaches to answering the request can be discerned, including different uses of examples, lists, descriptions of logic, legal basis as well as data related to the process of answering the requests. Results are analyzed in light of GDPR requirements. A number of potential improvements are identified—at least three responses are likely to fail the undue delay requirement. The article is concluded with a discussion about future work.
- The GDPR aims at strengthening the rights of data subjects and to build trust in the digital single market. This is manifested by the introduction of a new principle of transparency. It is, however, not obvious what this means in practice: What kind of answers can be expected to GDPR requests citing the right to “meaningful information”? This is the question addressed in this article. Seven insurance companies, representing 90–95% of the Swedish home insurance market, were asked by consumers to disclose information about how premiums are set. Results are presented first giving descriptive statistics, then characterizing the pricing information given, and lastly describing the procedural information offered by insurers as part of their answers. Overall, several different approaches to answering the request can be discerned, including different uses of examples, lists, descriptions of logic, legal basis as well as data related to the process of answering the requests. Results are analyzed in light of GDPR requirements. A number of potential improvements are identified—at least three responses are likely to fail the undue delay requirement. The article is concluded with a discussion about future work.
Subject headings
- TEKNIK OCH TEKNOLOGIER -- Annan teknik (hsv//swe)
- ENGINEERING AND TECHNOLOGY -- Other Engineering and Technologies (hsv//eng)
- SAMHÄLLSVETENSKAP -- Juridik -- Juridik (hsv//swe)
- SOCIAL SCIENCES -- Law -- Law (hsv//eng)
- SAMHÄLLSVETENSKAP -- Ekonomi och näringsliv -- Företagsekonomi (hsv//swe)
- SOCIAL SCIENCES -- Economics and Business -- Business Administration (hsv//eng)
Keyword
- GDPR
- trust
- right to explanation
- transparency
- Insurance
- GDPR
- Trust
- Meaningful information
- Transparency
- Insurance
- GDPR
Publication and Content Type
- kap (subject category)
- ref (subject category)
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- By the author/editor
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Dexe, Jacob
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Ledendal, Jonas
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Franke, Ulrik, 1 ...
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Gritzalis, Stefa ...
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Weippl, Edgar
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Kotsis, Gabriele
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show more...
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Tjoa, A Min
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Khalil, Ismail
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show less...
- About the subject
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- ENGINEERING AND TECHNOLOGY
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ENGINEERING AND ...
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and Other Engineerin ...
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- SOCIAL SCIENCES
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SOCIAL SCIENCES
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and Law
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and Law
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- SOCIAL SCIENCES
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SOCIAL SCIENCES
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and Economics and Bu ...
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and Business Adminis ...
- Articles in the publication
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Trust, Privacy a ...
- Lecture Notes in ...
- By the university
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Lund University
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RISE
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Royal Institute of Technology