Carmen Tanner, Nicole Witt, Urs Dahinden, Markus Christen
{"title":"Big Data in Insurance: Understanding Customer Resistance and Ethical Boundaries.","authors":"Carmen Tanner, Nicole Witt, Urs Dahinden, Markus Christen","doi":"10.1007/s44206-026-00252-8","DOIUrl":"10.1007/s44206-026-00252-8","url":null,"abstract":"<p><p>Big data is revolutionizing the insurance industry by enabling personalized risk assessments and pricing, yet these practices also raise ethical concerns. This study fills a gap in the literature by integrating the theories of contextual integrity and protected values to understand customer responses to the expanding use of big data applications in car insurance. These frameworks conceptualize ethical boundaries as limits to acceptable information flows and to trade-offs when data practices conflict with contextual norms or non-negotiable values. Using cross-national survey data from Switzerland (<i>N</i> = 1,080) and the United States (<i>N</i> = 1,084), we investigate customer objections to insurers collecting data on driving behavior, social media activity, online shopping, or creditworthiness. Our findings show that objections vary significantly by context, with collecting driving style data perceived as more acceptable than using credit information. While perceived benefits and trust in institutions lower objections, endorsement of protected values intensifies them. Customers holding strong protected values also exhibit absolute trade-off resistance, even when offered monetary incentives. A cluster analysis reveals four distinct customer segments, each demonstrating unique attitudes and resistance levels. Overall, the findings underscore the importance of acknowledging ethical boundaries and tailoring data strategies to heterogeneous customer segments.</p><p><strong>Supplementary information: </strong>The online version contains supplementary material available at https://doi.org/10.1007/s44206-026-00252-8.</p>","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":"5 1","pages":"9"},"PeriodicalIF":0.0,"publicationDate":"2026-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC13675310/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"149217377","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Acceptability of AI-Driven Resource Signposting to Young People Using a Mental Health Peer Support App.","authors":"Bethany Cliffe, Lucy Biddle, Jessica Gore-Rodney, Myles-Jay Linton","doi":"10.1007/s44206-025-00202-w","DOIUrl":"10.1007/s44206-025-00202-w","url":null,"abstract":"<p><p>Incorporating artificial intelligence (AI) into mental health applications (apps) can help to personalise support, for example through signposting topic-specific resources based on content that app users interact with. However, there is limited research exploring the acceptability of AI within digital mental health for young people. The current study explored this in the context of an online peer support platform for young people. 12 young people were interviewed online using a think aloud approach; they were aged 16-23 (M 18.64, SD 2.23). Participants identified as White (<i>n</i> = 7), Chinese (<i>n</i> = 1), Mixed Race (<i>n</i> = 1), Indian (<i>n</i> = 1), Black African (<i>n</i> = 1) and Bangladeshi (<i>n</i> = 1). 10 participants identified as women, one as non-binary and one preferred not to say. Participants were users of Tellmi, a pre-moderated mental health peer support app aimed at young people. Participants were given a link to a prototype of the Tellmi app via their web browser in which it was shown how AI could generate suggestions of pre-defined resources based on the content of fictional posts. Users were encouraged to interact with it whilst thinking aloud. Three themes were developed using reflexive thematic analysis: (1) Fear of the unknown - getting to grips with artificial intelligence; (2) AI can help save time and effort by streamlining processes; and (3) The value of human connection, which included the sub-theme: AI isn't human and shouldn't pretend to be.</p><p><strong>Supplementary information: </strong>The online version contains supplementary material available at 10.1007/s44206-025-00202-w.</p>","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":"4 2","pages":"45"},"PeriodicalIF":0.0,"publicationDate":"2025-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12137474/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144251151","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Engaging with Film to Teach Students About Virtuous Outsourcing of Cognitive Tasks to LLMs.","authors":"William Gopal, Michael Quinn","doi":"10.1007/s44206-025-00234-2","DOIUrl":"10.1007/s44206-025-00234-2","url":null,"abstract":"<p><p>Recently there has been a call to deploy AI technologies in secondary education. An accompanying worry is that if students became overly reliant on LLMs, they would become cognitively deskilled - and this would be an impediment to the growth of their cognitive character. One pedagogical approach aiming to offset this worry consists of teaching students how to critically evaluate the outputs of LLMs while they are using them - the Use-First Critical Thinking approach (UFCT). We argue that UFCT alone cannot assuage this worry insofar as it misses an important, prior step in equipping students with the skills to be aware of, and reflect upon, by what lights decisions whether to delegate tasks to LLMs are appropriate. We propose an alternative pedagogical approach involving film, specifically <i>Memento</i>, which allows students to identify delegative choice points and what (in)appropriate delegation looks like.</p>","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":"4 3","pages":"79"},"PeriodicalIF":0.0,"publicationDate":"2025-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12618357/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145544253","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"State-of-the-Art: The Temporal Order of Benchmarking Culture.","authors":"Alexander Campolo","doi":"10.1007/s44206-025-00190-x","DOIUrl":"https://doi.org/10.1007/s44206-025-00190-x","url":null,"abstract":"<p><p>This commentary situates the epistemic values of machine learning's culture of benchmarking and evaluation within larger temporal structures. Beyond questions of validity, whether model comparisons are statistically valid or whether benchmarks adequately represent meaningful tasks or capabilities, it asks how benchmarks produce certain temporal values and expectations. It articulates two hypotheses in response: the first, termed normalizing research, seeks to characterize how benchmarking simultaneously serves a disciplining and motivating function in research, with the effect of minimizing conflict. The second, termed extrapolation, argues that the incremental, progressive rhythm of benchmarking is oriented less towards the future than towards a present state-of-the-art (SOTA). Together, these hypotheses inform a diagnosis of the presentist temporality of benchmarking and evaluation in machine learning.</p>","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":"4 2","pages":"35"},"PeriodicalIF":0.0,"publicationDate":"2025-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12048445/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144047694","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"A Concept of Balance of Interest in the Context of Active Assisted Living","authors":"Maksymilian Michał Kuźmicz","doi":"10.1007/s44206-023-00080-0","DOIUrl":"https://doi.org/10.1007/s44206-023-00080-0","url":null,"abstract":"Abstract This paper explores the concept of balancing interests within the context of Active Assisted Living (AAL). AAL technologies hold great promise for addressing the care and support needs of older adults. However, they also raise ethical and social considerations that necessitate a careful balance of interests among various stakeholders. The objective of this study is to comprehensively examine the notion of balance shedding light on its multifaceted dimensions and discuss practical implications for the AAL. Drawing on a thorough literature review and interdisciplinary insights, the research unfolds in three stages. First, it recognizes four key dimensions of balance: equilibrium, avoidance of extremes, proportion, and compromise. Subsequently, the study explores arguments both in favor of and against balancing, addressing issues such as absolute values, methodological concerns, benefits of imbalances, and alternative approaches. This examination offers a comprehensive perspective on the complexities surrounding the concept of balance. Finally, the paper investigates the implications of the conceptual framework within the AAL context, examining what the process of balancing interests could mean from this perspective.","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":" 2","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-11-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135244529","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Auditing of AI: Legal, Ethical and Technical Approaches","authors":"Jakob Mökander","doi":"10.1007/s44206-023-00074-y","DOIUrl":"https://doi.org/10.1007/s44206-023-00074-y","url":null,"abstract":"Abstract AI auditing is a rapidly growing field of research and practice. This review article, which doubles as an editorial to Digital Society’s topical collection on ‘Auditing of AI’, provides an overview of previous work in the field. Three key points emerge from the review. First, contemporary attempts to audit AI systems have much to learn from how audits have historically been structured and conducted in areas like financial accounting, safety engineering and the social sciences. Second, both policymakers and technology providers have an interest in promoting auditing as an AI governance mechanism. Academic researchers can thus fill an important role by studying the feasibility and effectiveness of different AI auditing procedures. Third, AI auditing is an inherently multidisciplinary undertaking, to which substantial contributions have been made by computer scientists and engineers as well as social scientists, philosophers, legal scholars and industry practitioners. Reflecting this diversity of perspectives, different approaches to AI auditing have different affordances and constraints. Specifically, a distinction can be made between technology-oriented audits, which focus on the properties and capabilities of AI systems, and process-oriented audits, which focus on technology providers’ governance structures and quality management systems. The next step in the evolution of auditing as an AI governance mechanism, this article concludes, should be the interlinking of these available—and complementary—approaches into structured and holistic procedures to audit not only how AI systems are designed and used but also how they impact users, societies and the natural environment in applied settings over time.","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":"28 29","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-11-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135390755","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Automated Content Writing Tools and the Question of Objectivity","authors":"Federica Russo","doi":"10.1007/s44206-023-00082-y","DOIUrl":"https://doi.org/10.1007/s44206-023-00082-y","url":null,"abstract":"","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":"28 30","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-11-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135392047","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Norms for Academic Writing in the Era of Advanced Artificial Intelligence","authors":"Simon Friederich, Jonathan Symons","doi":"10.1007/s44206-023-00079-7","DOIUrl":"https://doi.org/10.1007/s44206-023-00079-7","url":null,"abstract":"Abstract If and when artificial intelligence systems become superhuman in more aspects of analytic reasoning, this will inevitably have a strong impact on the social organisation of science, including academic writing, reviewing, and publishing. We consider how norms of academic publishing should be adjusted as this happens. To do so, we propose four intuitively plausible desiderata that norms of academic publishing should fulfil in the age of increasingly advanced artificial intelligence (AI) and argue that there are no “quick fixes” to current norms that fulfil these desiderata. To indicate the scale of change needed to prepare academic publishing for the era of increasingly advanced AI, we tentatively sketch a more promising novel system of norms. Our proposal centres around the idea that AI systems should “sign off’’ on statements that outline the human and AI contributions to academic research. We discuss possible challenges for this proposal and highlight the type of technological and regulatory infrastructure that would be needed to enable it.","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":"7 7","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-11-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135973730","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Megan M. Milota, Jojanneke M. T. M. Drogt, Karin R. Jongsma
{"title":"Making AI’s Impact on Pathology Visible: Using Ethnographic Methods for Ethical and Epistemological Insights","authors":"Megan M. Milota, Jojanneke M. T. M. Drogt, Karin R. Jongsma","doi":"10.1007/s44206-023-00072-0","DOIUrl":"https://doi.org/10.1007/s44206-023-00072-0","url":null,"abstract":"Abstract The field of pathology is currently undergoing fundamental changes, including the transition from analog to digital workspaces and the integration of Artificial Intelligence (AI) into digital diagnostic workflows. Discussing the ethical implications of these changes is complicated by the fact that both laypersons and medical professionals know relatively little about the ways pathologists conduct their daily work. To reveal the largely ‘invisible’ daily practices of pathology departments and better understand the ongoing processes of innovation within the field, we employed a variety of ethnographic methods: interviews, participant observations, and ethnographic filming. Approaching AI in pathology through three different angles helped us to gain rich knowledge and meaningful insights about the ways AI should impact pathologists’ and lab technicians’ roles and responsibilities. In this article, we describe the benefits and downsides of our ‘slow approach’ to data collection and invite those working on similar topics involving the complex dynamics of digital transitions to reflect on whether such methods might also benefit their research.","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":"56 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136318442","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Human-Curated Validation of Machine Learning Algorithms for Health Data","authors":"Magnus Boman","doi":"10.1007/s44206-023-00076-w","DOIUrl":"https://doi.org/10.1007/s44206-023-00076-w","url":null,"abstract":"Abstract Validation of machine learning algorithms that take health data as input is analysed, leveraging on an example from radiology. A 2-year study of AI use in a university hospital and a connected medical university indicated what was often forgotten by human decision makers in the clinic and by medical researchers. A nine-item laundry list that does not require machine learning expertise to use resulted. The list items guide stakeholders toward complete validation processes and clinical routines for bias-aware, sound, energy-aware and efficient data-driven reasoning for health. The list can also prove useful to machine learning developers, as a list of minimal requirements for successful implementation in the clinic.","PeriodicalId":72819,"journal":{"name":"Digital society : ethics, socio-legal and governance of digital technology","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-10-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135667499","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}