Artificial intelligence is routinely sold to us as either a saviour or a threat, a “god-like” oracle about to solve civilisation’s problems or replace us entirely. It is neither. AI is a genuinely useful tool. It is not an omnipotent entity. The real danger is not that the technology becomes too clever. It is not … Read more
Introduction In the age of algorithms, the insurance industry has undergone a quiet but radical transformation. Once grounded in the statistical science of shared risk, insurers are increasingly turning to artificial intelligence (AI) and big data to make highly individualised decisions about coverage and cost. What is sold as personalisation is, in truth, a sophisticated … Read more
Introduction: The New Face of Influence In an era where every click, like, and share contributes to a digital footprint, the manipulation of personal data has become a powerful tool for shaping public opinion. The Cambridge Analytica scandal unveiled the potential for data-driven microtargeting to influence democratic processes, setting a precedent for how personal information … Read more
