The adoption of Big Data analytics in insurance has proved controversial but there has been little analysis specifying how insurance practices are changing. Is insurance passively subject to the forces of disruptive innovation, moving away from the pooling of risk towards its personalisation or individualisation, and what might that mean in practice? This special theme situates disruptive innovations, particularly the experimental practices of behaviour-based personalisation, in the context of the practice and regulation of contemporary insurance. Our contributors argue that behaviour-based (...) personalisation in insurance has different and broader implications than have yet been appreciated. BDAs are changing how insurance governs risk; how it knows, classifies, manages, prices and sells it, in ways that are more opaque and more extensive than the black boxes of in-car telematics. (shrink)

As Big Data, the Internet of Things and insurance collide, so too, do the best and the worst of our futures. Insurance is summoned as an example of the interference in our private lives that is already underway everywhere. In this paper, we pause to reflect on this argument. Can changes in the way insurance measures the value of behaviour really serve as an example of the individual and social harms of datafication? How do we know? Insurance is a mathematical (...) relationship staged between individuals and groups, between risk and uncertainty, between distribution and assessment, between the value of sharing and the sharing of value. We use the case study of Discovery International, owner of Vitality, the market leading brand in behavioural insurance to consider how behaviour is being branded and how the brand behaves. (shrink)

There is a long history in science and technology studies of tracking problematic objects, such as controversies, matters of concern, and issues, using various digital tools. But what happens when public problems do not play out in these familiar ways? In this paper, we will think through the methodological implications of studying “problems” in relation to recent events surrounding the sharing of patient data in the National Health Service in the United Kingdom. When a data sharing agreement called care.data was (...) announced in 2013, nearly 1.5 million citizens chose to opt out. Yet, in subsequent years, there has been little evidence of a robust public mobilising around data sharing. We will attempt to track this elusive ‘non problem’ using some digital tools developed in STS for the purpose of mapping issues and problem definitions within science. Although we find these digital tools are unable to capture the “problem,” the process of searching helps us map the terrain of the case and forces us to consider wider definitions. (shrink)

This paper sets out to review the role accorded to advertising in recent critical work. This work, I suggest, has been underscored by an ‘epochalist’ concern to map distinctions in the form of the culture/ economy relationship between the contemporary era and earlier periods. Significance has been accorded to the particular transformative potential of advertising and this is often related to research which emphasises the increasingly symbolic, persuasive and pervasive nature of advertising. In what follows, I make three central propositions. (...) Firstly, I argue that writers on advertising share a number of concerns particularly about the effect the evolving nature of advertising has on the relationship between people and objects and between culture and economy. Secondly I suggest that these writers share with certain other critical theorists a very particular approach to the definition of key entities like meaning, culture and economy. These very particular definitions are pivotal to the epochalist explanation of advertising's role in the transformation of the culture/ economy relation. Finally, I attempt to show, through a brief look at historical uses of persuasion in advertising, that the problem with epochalist theory lies in a tendency to overgeneralise a wide range of specific forces. (shrink)