TY - JOUR
T1 - Explaining automated decision-making
T2 - a multinational study of the GDPR right to meaningful information
AU - Dexe, Jacob
AU - Franke, Ulrik
AU - Söderlund, Kasia
AU - Niels, van Berkel
AU - Hagensby Jensen, Rikke
AU - Lepinkäinen, Nea
AU - Vaiste, Juho
PY - 2022/5/3
Y1 - 2022/5/3
N2 - The General Data Protection Regulation (GDPR) establishes a right for individuals to get access to information about automated decision-making based on their personal data. However, the application of this right comes with caveats. This paper investigates how European insurance companies have navigated these obstacles. By recruiting volunteering insurance customers, requests for information about how insurance premiums are set were sent to 26 insurance companies in Denmark, Finland, The Netherlands, Poland and Sweden. Findings illustrate the practice of responding to GDPR information requests and the paper identifies possible explanations for shortcomings and omissions in the responses. The paper also adds to existing research by showing how the wordings in the different language versions of the GDPR could lead to different interpretations. Finally, the paper discusses what can reasonably be expected from explanations in consumer oriented information.
AB - The General Data Protection Regulation (GDPR) establishes a right for individuals to get access to information about automated decision-making based on their personal data. However, the application of this right comes with caveats. This paper investigates how European insurance companies have navigated these obstacles. By recruiting volunteering insurance customers, requests for information about how insurance premiums are set were sent to 26 insurance companies in Denmark, Finland, The Netherlands, Poland and Sweden. Findings illustrate the practice of responding to GDPR information requests and the paper identifies possible explanations for shortcomings and omissions in the responses. The paper also adds to existing research by showing how the wordings in the different language versions of the GDPR could lead to different interpretations. Finally, the paper discusses what can reasonably be expected from explanations in consumer oriented information.
U2 - 10.1057/s41288-022-00271-9
DO - 10.1057/s41288-022-00271-9
M3 - Article
SN - 1018-5895
VL - 47
SP - 669
EP - 697
JO - Geneva papers on risk and insurance. Issues and practice
JF - Geneva papers on risk and insurance. Issues and practice
ER -