Explaining automated decision-making: a multinational study of the GDPR right to meaningful information

Author:

Dexe JacobORCID,Franke Ulrik,Söderlund Kasia,van Berkel Niels,Jensen Rikke Hagensby,Lepinkäinen Nea,Vaiste Juho

Abstract

AbstractThe 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.

Funder

Stiftelsen länsförsäkringsbolagens Forskningsfond

Marianne and Marcus Wallenberg Foundation

Jenny ja Antti Wihurin Rahasto

RISE Research Institutes of Sweden

Publisher

Springer Science and Business Media LLC

Subject

Economics and Econometrics,Finance,General Business, Management and Accounting,Accounting

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