数字保险中的 (不信任):数据化实践如何改变不确定性并重新构建信任关系
1Centre for Sociological Research (CeSO), KU Leuven, Leuven, Belgium.
The British journal of sociology
|May 19, 2025
概括
保险依赖于信任,但由于其经济学而面临不信任. 数字化带来了新的复杂性,挑战透明度,取代了对保险公司与保单持有人关系的真正信任.
科学领域:
- 保险的社会学 保险的社会学
- 关键数据研究 关键数据研究
背景情况:
- 保险合同从根本上依赖并产生信任,使风险管理成为可能.
- 然而,由于保险经济学和行业声誉,保险公司和保险人之间存在持续的不信任.
研究的目的:
- 通过卢曼尼的透视来分析对保险的信任和不信任的动态.
- 批判性地研究数字技术和数据如何重构保险中的信任关系.
- 评估数字技术通过透明度消除不确定性和"人为因素"的说法.
主要方法:
- 卢曼尼的 (不信任) 理论作为一个减少复杂性的功能虚构.
- 通过基于案例的研究,分析向个人销售的数字保险产品.
- 整合了来自保险社会学和关键数据研究的见解.
主要成果:
- 数字技术和数据并不能像声称的那样消除保险中的不确定性和脆弱性.
- 相反,这些技术引入了新的不安全性和复杂性,增加了对信任的需求.
- 作为解决方案的透明度是狭的,技术解决方案主义的信任替代品,忽视了情感层面.
结论:
- 数字保险技术不会取代信任,而是创造新的依赖和复杂性.
- 透明度原则不足以解决保险信任的多面性质.
- 过度依赖透明度可能会破坏保险关系中固有的社会契约和团结.
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