It is true that big data and artificial intelligence have been used by service providers to protect their customers, for example, banks tracking customers’ transaction habit and detecting anomaly transactions to prevent fraud, email platforms analyzing the content of the email contents to category spams and non-spams, and e-commerce firms profiling buyers by tracking their purchasing history and clicking on goods to push goods recommendations. These kinds of automate algorithm generally provides much help and convenience to customers and users, at least no harm to them, although sometimes the result of the algorithm is not accurate or unexplainable.

However, it is unacceptable that some corporate increase the service price to the customers in the name the result automate algorithm. Car insurance could finds any excuse to add on insurance rate when car owner make any changes. It is a real case that my car insurance rate was raised without any incident happened. I was told by the online representative of the insurance firm: the system tells that the new residence area is an accident prone area. The higher rate is the result of the system algorithm of evaluating insurance. In fact it is a better maintained community. The insurance purportedly lift the insurance price in the name of automate and algorithm.

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