Values, personal information privacy, and regulatory approaches
Communications of the ACM
Towards a theory of privacy in the information age
ACM SIGCAS Computers and Society
An examination of the concern for information privacy in the New Zealand regulatory context
Information and Management
The smart tachograph – individual accounting of traffic costs and its implications
PERVASIVE'06 Proceedings of the 4th international conference on Pervasive Computing
Explaining customers' willingness to use mobile network-based pay-as-you-drive insurances
International Journal of Mobile Communications
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Monitoring and recording driving behavior has become technologically feasible recently which allows inference of drivers' risk types. We examine the effects of such technologies in automobile insurance markets with adverse selection for both perfect competition and monopoly. Specifically, we assume that insurers can offer a contract with access to recorded information ex post, i.e., after an accident, in addition to the usual second-best contracts. We find that this leads to a Pareto-improvement of social welfare except when high risks initially received an information rent. Regulation can be used to establish Pareto-improvement also in these cases. Explicit consideration of privacy concerns of insurees does not alter our positive welfare results.