In his classic work L'ancien régime et la révolution, Alexis de Tocqueville proposes a reinterpretation of the French Revolution: behind the spectacular ruptures associated with the event, profound continuities are at play. Beyond the specific case of the French Revolution, Tocqueville calls for vigilance in mobilizing the notion of revolution to account for historical dynamics. In this contribution, I propose to apply this vigilance to account for the supposed "Big Data revolution" in the field of European insurance. Most observers of the sector-whether professionals or academic-agree that the arrival of Big Data represents a major rupture. This break would call into question the business model of insurance companies, stabilized for 250 years around the principle of risk pooling, since it would now be possible to individualize risk management. This individualization of risk management would then reconfigure the nature of solidarity and the social bond at work within Western societies, which, since the end of the 19th century, have been constituted as "insurance societies" (Ewald 1986). On the contrary, I defend the idea that these ruptures are only apparent, incomplete or unfinished, and that the "Big Data Revolution" masks profound continuities, by mobilizing two arguments: attempts to individualize risk management long predate the advent of big data; and attempts to individualize risk management based on big data are, to date, inconclusive.
托克维尔(Alexis de Tocqueville)在他的经典著作《旧的升迁与升迁》(L’ancien rme et la rrevolution)中提出了对法国大革命的重新解释:在与该事件相关的壮观断裂背后,有着深刻的连续性在发挥作用。除了法国大革命的具体案例外,托克维尔呼吁在动员革命概念以解释历史动态时保持警惕。在这篇文章中,我建议运用这种警惕来解释欧洲保险领域所谓的“大数据革命”。大多数行业观察人士——无论是专业人士还是学术界人士——都认为,大数据的到来代表着一次重大突破。这一突破将对250年来围绕风险分担原则稳定下来的保险公司的商业模式提出质疑,因为现在有可能实现个性化的风险管理。这种风险管理的个体化将重新配置西方社会的团结性质和社会纽带,自19世纪末以来,西方社会一直被构成为“保险社会”(Ewald 1986)。相反,我为以下观点辩护:这些断裂只是明显的、不完整的或未完成的,“大数据革命”掩盖了深刻的连续性:早在大数据出现之前,人们就试图将风险管理个性化;迄今为止,基于大数据进行个性化风险管理的尝试尚无定论。
{"title":"The Old Regime (of Mutualisation) and the Revolution (of Big Data).","authors":"Pierre Francois","doi":"10.1111/1468-4446.13205","DOIUrl":"https://doi.org/10.1111/1468-4446.13205","url":null,"abstract":"<p><p>In his classic work L'ancien régime et la révolution, Alexis de Tocqueville proposes a reinterpretation of the French Revolution: behind the spectacular ruptures associated with the event, profound continuities are at play. Beyond the specific case of the French Revolution, Tocqueville calls for vigilance in mobilizing the notion of revolution to account for historical dynamics. In this contribution, I propose to apply this vigilance to account for the supposed \"Big Data revolution\" in the field of European insurance. Most observers of the sector-whether professionals or academic-agree that the arrival of Big Data represents a major rupture. This break would call into question the business model of insurance companies, stabilized for 250 years around the principle of risk pooling, since it would now be possible to individualize risk management. This individualization of risk management would then reconfigure the nature of solidarity and the social bond at work within Western societies, which, since the end of the 19th century, have been constituted as \"insurance societies\" (Ewald 1986). On the contrary, I defend the idea that these ruptures are only apparent, incomplete or unfinished, and that the \"Big Data Revolution\" masks profound continuities, by mobilizing two arguments: attempts to individualize risk management long predate the advent of big data; and attempts to individualize risk management based on big data are, to date, inconclusive.</p>","PeriodicalId":51368,"journal":{"name":"British Journal of Sociology","volume":" ","pages":""},"PeriodicalIF":2.7,"publicationDate":"2025-03-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143634736","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"社会学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Konstantinos Chalkias, Paula Jarzabkowski, Mustafa Kavas, Elisabeth Krull
Insurance serves as a social good, providing financial protection against disasters whilst operating within a profit-driven market. This dual role highlights the complex intersection of social and commercial interests, raising a fairness puzzle often portrayed as a trade-off between solidarity and actuarial fairness. Insurance organisations adhere to actuarial fairness by setting insurance premiums proportional to each individual's risk. As extreme weather drives greater losses in high-risk areas, actuarial fairness often results in unaffordable premiums for many. To address this, societies may adopt principles of solidarity fairness to subsidise their premiums. However, this approach threats diminishing personal responsibility to contain risk, as individuals may rely on subsidised protection rather than taking proactive measures. This study draws on a longitudinal qualitative study of a government-legislated insurance organisation to develop a process framework that reconceptualises fairness in insurance as a duality of solidarity and actuarial fairness. It offers insights into designing insurance systems that are socially equitable and financially sustainable.
{"title":"That's Not Fair! Navigating the Duality of Fairness in Insurance.","authors":"Konstantinos Chalkias, Paula Jarzabkowski, Mustafa Kavas, Elisabeth Krull","doi":"10.1111/1468-4446.13206","DOIUrl":"https://doi.org/10.1111/1468-4446.13206","url":null,"abstract":"<p><p>Insurance serves as a social good, providing financial protection against disasters whilst operating within a profit-driven market. This dual role highlights the complex intersection of social and commercial interests, raising a fairness puzzle often portrayed as a trade-off between solidarity and actuarial fairness. Insurance organisations adhere to actuarial fairness by setting insurance premiums proportional to each individual's risk. As extreme weather drives greater losses in high-risk areas, actuarial fairness often results in unaffordable premiums for many. To address this, societies may adopt principles of solidarity fairness to subsidise their premiums. However, this approach threats diminishing personal responsibility to contain risk, as individuals may rely on subsidised protection rather than taking proactive measures. This study draws on a longitudinal qualitative study of a government-legislated insurance organisation to develop a process framework that reconceptualises fairness in insurance as a duality of solidarity and actuarial fairness. It offers insights into designing insurance systems that are socially equitable and financially sustainable.</p>","PeriodicalId":51368,"journal":{"name":"British Journal of Sociology","volume":" ","pages":""},"PeriodicalIF":2.7,"publicationDate":"2025-03-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143634733","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"社会学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Qualitative work highlights the significance of students' interactional cultural capital in educational settings—that is, cultural resources that help to navigate/interact with educational institutions and gatekeepers. We make a first attempt to measure expressions of students' interactional cultural capital quantitatively, and examine their relationship with academic performance. Using data on over 1200 Dutch students in their final year of primary school, we find positive associations between several expressions of students' interactional cultural capital (knowledge about the educational system; perceived cultural match between home and school) and academic performance. These positive relationships are equally strong for teacher- and test-based assessments of performance, suggesting that these forms of cultural capital help students in their learning rather than providing educational benefits via teacher biases. We find little support for positive relations between students' help-seeking strategies and academic performance. Different help-seeking behaviors do not form a unified cultural “strategy” and are not stratified by socio-economic status (SES) as anticipated. For educational knowledge, we find some support for the cultural mobility hypothesis: SES-based performance gaps, particularly in teacher assessments, are smaller among students with greater knowledge of the educational system.
{"title":"Students' Interactional Cultural Capital and Academic Performance in Test- and Teacher-Based Assessments","authors":"Sara Geven, Dieuwke Zwier","doi":"10.1111/1468-4446.13199","DOIUrl":"10.1111/1468-4446.13199","url":null,"abstract":"<p>Qualitative work highlights the significance of students' interactional cultural capital in educational settings—that is, cultural resources that help to navigate/interact with educational institutions and gatekeepers. We make a first attempt to measure expressions of students' interactional cultural capital quantitatively, and examine their relationship with academic performance. Using data on over 1200 Dutch students in their final year of primary school, we find positive associations between several expressions of students' interactional cultural capital (knowledge about the educational system; perceived cultural match between home and school) and academic performance. These positive relationships are equally strong for teacher- and test-based assessments of performance, suggesting that these forms of cultural capital help students in their learning rather than providing educational benefits via teacher biases. We find little support for positive relations between students' help-seeking strategies and academic performance. Different help-seeking behaviors do not form a unified cultural “strategy” and are not stratified by socio-economic status (SES) as anticipated. For educational knowledge, we find some support for the cultural mobility hypothesis: SES-based performance gaps, particularly in teacher assessments, are smaller among students with greater knowledge of the educational system.</p>","PeriodicalId":51368,"journal":{"name":"British Journal of Sociology","volume":"76 3","pages":"622-634"},"PeriodicalIF":2.7,"publicationDate":"2025-03-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/1468-4446.13199","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143588167","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"社会学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}