Pros and Cons of Health Insurance Platforms
From Digital Culture & Society
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| - | == | + | ==Datanalysing the uninsured: The coloniality of inclusive insurance platforms== |
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| Perticone, Y., Graz, J.-C., & Rahel, K. (2023). Datanalysing the uninsured: The coloniality of inclusive insurance platforms. Competition & Change, 27(3-4), 594-614. | Perticone, Y., Graz, J.-C., & Rahel, K. (2023). Datanalysing the uninsured: The coloniality of inclusive insurance platforms. Competition & Change, 27(3-4), 594-614. | ||
| Article Link & D.O.I: | Article Link & D.O.I: | ||
| - | https://doi-org.proxy.library.brocku.ca/10.1177/10245294221125849Context | + | [https://doi-org.proxy.library.brocku.ca/10.1177/10245294221125849Context] |
| - | Overview | + | ==='''Overview'''=== |
| This article discusses the rise of digital platforms to provide insurance coverage in developing countries. It argues how the rise of inclusive insurance platforms in these regions is dependent on three dimensions of data analysis. The three dimensions include fostering a digital system that follows communication standards that are considered safe by global regulatory standards, collecting data in a fashion that reflects racial hierarchies and brings the prioritized or disadvantaged groups based on their race to light and, objectifying or commodifying individuals gathered in the dataset and seeing them as objects for profit to extract financial value from them. This process, termed "datanalysing," essentially turns populations in the Global South into profitable resources. | This article discusses the rise of digital platforms to provide insurance coverage in developing countries. It argues how the rise of inclusive insurance platforms in these regions is dependent on three dimensions of data analysis. The three dimensions include fostering a digital system that follows communication standards that are considered safe by global regulatory standards, collecting data in a fashion that reflects racial hierarchies and brings the prioritized or disadvantaged groups based on their race to light and, objectifying or commodifying individuals gathered in the dataset and seeing them as objects for profit to extract financial value from them. This process, termed "datanalysing," essentially turns populations in the Global South into profitable resources. | ||
| The article illustrates its principles with the example of automobile insurance. According to the idea, utilizing individuals from these places as financial assets reinforces colonial practices of managing and categorizing subjugated populations. The study emphasizes the importance of historical and social factors in research, highlighting the potentially exploitative character of the quest for inclusive insurance. | The article illustrates its principles with the example of automobile insurance. According to the idea, utilizing individuals from these places as financial assets reinforces colonial practices of managing and categorizing subjugated populations. The study emphasizes the importance of historical and social factors in research, highlighting the potentially exploitative character of the quest for inclusive insurance. | ||
| - | + | ==='''Strengths and Weaknesses'''=== | |
| - | Strengths and Weaknesses | + | |
| The research portrays its strengths by taking an interdisciplinary approach and combining insights from International Political Economy (IPE), platform capitalism, and post/decolonial studies. This approach enriches the analysis by considering economic, political, and socio-cultural dimensions. The study also focuses on inclusive insurance platforms in Latin America, Africa, and Southeast Asia, providing a global perspective on the topics addressed. This global perspective adds to a more thorough understanding of platform capitalism's influence on various locations. The application of a case study methodology allows for a thorough assessment of inclusive auto insurance in the context of platform capitalism. The research also uses a range of data sources, including in-depth interviews with important players, official papers, industry reports, and development organisation research studies. This enables for a more nuanced grasp of the difficulties and dynamics at hand and the multifaceted approach improves the findings' dependability and depth. | The research portrays its strengths by taking an interdisciplinary approach and combining insights from International Political Economy (IPE), platform capitalism, and post/decolonial studies. This approach enriches the analysis by considering economic, political, and socio-cultural dimensions. The study also focuses on inclusive insurance platforms in Latin America, Africa, and Southeast Asia, providing a global perspective on the topics addressed. This global perspective adds to a more thorough understanding of platform capitalism's influence on various locations. The application of a case study methodology allows for a thorough assessment of inclusive auto insurance in the context of platform capitalism. The research also uses a range of data sources, including in-depth interviews with important players, official papers, industry reports, and development organisation research studies. This enables for a more nuanced grasp of the difficulties and dynamics at hand and the multifaceted approach improves the findings' dependability and depth. | ||
| Some of the weaknesses displayed by the research include limited generalizability as the case study is limited to inclusive motor insurance, and the conclusions may not be easily generalized to other areas of platform capitalism. The study might benefit by analyzing the applicability of its findings in diverse circumstances. The data is also subject to potential biases, the challenge of gaining access to certain information due to confidentiality issues and travel restrictions during the pandemic is acknowledged by the researchers. However, the research should provide a more detailed discussion of the potential bias introduced by these challenges and how it may impact the validity of the findings. Moreover, the interviews in the study were carried out between November 2019 and November 2020. Because technology and platform capitalism are continuously developing, the conclusions may be impacted by the current time frame and may not completely represent following advances. Lastly, the article mentions the impact of COVID-19 on social habits but does not extensively explore how the pandemic might affect the appropriation of real-time data, which could be a relevant consideration in the current context. | Some of the weaknesses displayed by the research include limited generalizability as the case study is limited to inclusive motor insurance, and the conclusions may not be easily generalized to other areas of platform capitalism. The study might benefit by analyzing the applicability of its findings in diverse circumstances. The data is also subject to potential biases, the challenge of gaining access to certain information due to confidentiality issues and travel restrictions during the pandemic is acknowledged by the researchers. However, the research should provide a more detailed discussion of the potential bias introduced by these challenges and how it may impact the validity of the findings. Moreover, the interviews in the study were carried out between November 2019 and November 2020. Because technology and platform capitalism are continuously developing, the conclusions may be impacted by the current time frame and may not completely represent following advances. Lastly, the article mentions the impact of COVID-19 on social habits but does not extensively explore how the pandemic might affect the appropriation of real-time data, which could be a relevant consideration in the current context. | ||
| - | Assessment | + | ==='''Assessment'''=== |
| Overall, this study offers a dynamic investigation of digital platforms in the inclusive insurance market, shining light on the intricacies and constraints involved in their practices. Despite its flaws, the article contributes significantly to our knowledge of how historical legacies impact the current digital economy. It encourages policymakers to address the structural implications of inclusive insurance platforms, advocating for a more nuanced approach to financial inclusion in the Global South. This research is aimed at benefiting academic researchers, policymakers and practitioners or professionals in the insurance industry. This research can majorly help policymakers who want to understand the ramifications of inclusive insurance systems by shedding light on the implications of data privacy and other issues relating to the rise of digital platforms in the field. Future study might focus on specific policy proposals that solve the stated difficulties while also supporting ethical data practices. | Overall, this study offers a dynamic investigation of digital platforms in the inclusive insurance market, shining light on the intricacies and constraints involved in their practices. Despite its flaws, the article contributes significantly to our knowledge of how historical legacies impact the current digital economy. It encourages policymakers to address the structural implications of inclusive insurance platforms, advocating for a more nuanced approach to financial inclusion in the Global South. This research is aimed at benefiting academic researchers, policymakers and practitioners or professionals in the insurance industry. This research can majorly help policymakers who want to understand the ramifications of inclusive insurance systems by shedding light on the implications of data privacy and other issues relating to the rise of digital platforms in the field. Future study might focus on specific policy proposals that solve the stated difficulties while also supporting ethical data practices. | ||
Revision as of 00:27, 2 December 2023
Contents |
Datanalysing the uninsured: The coloniality of inclusive insurance platforms
Perticone, Y., Graz, J.-C., & Rahel, K. (2023). Datanalysing the uninsured: The coloniality of inclusive insurance platforms. Competition & Change, 27(3-4), 594-614. Article Link & D.O.I: [1]
Overview
This article discusses the rise of digital platforms to provide insurance coverage in developing countries. It argues how the rise of inclusive insurance platforms in these regions is dependent on three dimensions of data analysis. The three dimensions include fostering a digital system that follows communication standards that are considered safe by global regulatory standards, collecting data in a fashion that reflects racial hierarchies and brings the prioritized or disadvantaged groups based on their race to light and, objectifying or commodifying individuals gathered in the dataset and seeing them as objects for profit to extract financial value from them. This process, termed "datanalysing," essentially turns populations in the Global South into profitable resources. The article illustrates its principles with the example of automobile insurance. According to the idea, utilizing individuals from these places as financial assets reinforces colonial practices of managing and categorizing subjugated populations. The study emphasizes the importance of historical and social factors in research, highlighting the potentially exploitative character of the quest for inclusive insurance.
Strengths and Weaknesses
The research portrays its strengths by taking an interdisciplinary approach and combining insights from International Political Economy (IPE), platform capitalism, and post/decolonial studies. This approach enriches the analysis by considering economic, political, and socio-cultural dimensions. The study also focuses on inclusive insurance platforms in Latin America, Africa, and Southeast Asia, providing a global perspective on the topics addressed. This global perspective adds to a more thorough understanding of platform capitalism's influence on various locations. The application of a case study methodology allows for a thorough assessment of inclusive auto insurance in the context of platform capitalism. The research also uses a range of data sources, including in-depth interviews with important players, official papers, industry reports, and development organisation research studies. This enables for a more nuanced grasp of the difficulties and dynamics at hand and the multifaceted approach improves the findings' dependability and depth. Some of the weaknesses displayed by the research include limited generalizability as the case study is limited to inclusive motor insurance, and the conclusions may not be easily generalized to other areas of platform capitalism. The study might benefit by analyzing the applicability of its findings in diverse circumstances. The data is also subject to potential biases, the challenge of gaining access to certain information due to confidentiality issues and travel restrictions during the pandemic is acknowledged by the researchers. However, the research should provide a more detailed discussion of the potential bias introduced by these challenges and how it may impact the validity of the findings. Moreover, the interviews in the study were carried out between November 2019 and November 2020. Because technology and platform capitalism are continuously developing, the conclusions may be impacted by the current time frame and may not completely represent following advances. Lastly, the article mentions the impact of COVID-19 on social habits but does not extensively explore how the pandemic might affect the appropriation of real-time data, which could be a relevant consideration in the current context.
Assessment
Overall, this study offers a dynamic investigation of digital platforms in the inclusive insurance market, shining light on the intricacies and constraints involved in their practices. Despite its flaws, the article contributes significantly to our knowledge of how historical legacies impact the current digital economy. It encourages policymakers to address the structural implications of inclusive insurance platforms, advocating for a more nuanced approach to financial inclusion in the Global South. This research is aimed at benefiting academic researchers, policymakers and practitioners or professionals in the insurance industry. This research can majorly help policymakers who want to understand the ramifications of inclusive insurance systems by shedding light on the implications of data privacy and other issues relating to the rise of digital platforms in the field. Future study might focus on specific policy proposals that solve the stated difficulties while also supporting ethical data practices.
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