The adoption of Big Data analytics (BDA) 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.

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社论：保险个性化：数据、行为和创新

事实证明，保险业采用大数据分析 (BDA) 已引起争议，但几乎没有分析说明保险实践如何变化。保险是否被动地受制于颠覆性创新的力量，从风险集中转向个性化或个性化，这在实践中意味着什么？这一特殊主题将颠覆性创新置于当代保险实践和监管的背景下，尤其是基于行为的个性化的实验实践。我们的贡献者认为，保险中基于行为的个性化具有与人们尚未认识到的不同且更广泛的影响。BDA 正在改变保险管理风险的方式；它如何知道、分类、管理、定价和销售它，