{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,13]],"date-time":"2026-04-13T14:20:06Z","timestamp":1776090006960,"version":"3.50.1"},"publisher-location":"New York, NY, USA","reference-count":71,"publisher":"ACM","license":[{"start":{"date-parts":[[2023,9,3]],"date-time":"2023-09-03T00:00:00Z","timestamp":1693699200000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/www.acm.org\/publications\/policies\/copyright_policy#Background"}],"content-domain":{"domain":["dl.acm.org"],"crossmark-restriction":true},"short-container-title":[],"published-print":{"date-parts":[[2023,9,3]]},"DOI":"10.1145\/3603555.3603562","type":"proceedings-article","created":{"date-parts":[[2023,8,21]],"date-time":"2023-08-21T16:38:36Z","timestamp":1692635916000},"page":"149-160","update-policy":"https:\/\/doi.org\/10.1145\/crossmark-policy","source":"Crossref","is-referenced-by-count":3,"title":["AI said, She said - How Users Perceive Consumer Scoring in Practice"],"prefix":"10.1145","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-0771-2209","authenticated-orcid":false,"given":"Lena","family":"Recki","sequence":"first","affiliation":[{"name":"Institut f\u00fcr Verbraucherinformatik, Bonn-Rhein Sieg University of Applied Science, Germany"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0000-0001-5179-7361","authenticated-orcid":false,"given":"Margarita","family":"Esau-Held","sequence":"additional","affiliation":[{"name":"Verbraucherinformatik Research Group, University of Siegen, Germany"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-2848-4409","authenticated-orcid":false,"given":"Dennis","family":"Lawo","sequence":"additional","affiliation":[{"name":"Institut f\u00fcr Verbraucherinformatik, Bonn-Rhein Sieg University of Applied Science, Germany"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-7785-5061","authenticated-orcid":false,"given":"Gunnar","family":"Stevens","sequence":"additional","affiliation":[{"name":"Institut f\u00fcr Verbraucherinformatik, Bonn-Rhein Sieg University of Applied Science, Germany and Verbraucherinformatik Research Group, University of Siegen, Germany"}],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"320","published-online":{"date-parts":[[2023,9,3]]},"reference":[{"key":"e_1_3_2_1_1_1","doi-asserted-by":"publisher","DOI":"10.1145\/3173574.3174156"},{"key":"e_1_3_2_1_2_1","doi-asserted-by":"publisher","DOI":"10.1109\/ACCESS.2018.2870052"},{"key":"e_1_3_2_1_3_1","doi-asserted-by":"publisher","unstructured":"Fatemeh Alizadeh Margarita Esau Gunnar Stevens and Lena Cassens. 2020. eXplainable AI: Take one Step Back Move two Steps forward. https:\/\/doi.org\/10.18420\/muc2020-ws111-369","DOI":"10.18420\/muc2020-ws111-369"},{"key":"e_1_3_2_1_4_1","doi-asserted-by":"publisher","DOI":"10.1145\/3415192"},{"key":"e_1_3_2_1_5_1","volume-title":"Proceedings of the 18th International Conference on Autonomous Agents and MultiAgent Systems(AAMAS \u201919)","author":"Anjomshoae Sule","year":"2019","unstructured":"Sule Anjomshoae, Amro Najjar, Davide Calvaresi, and Kary Fr\u00e4mling. 2019. Explainable Agents and Robots: Results from a Systematic Literature Review. In Proceedings of the 18th International Conference on Autonomous Agents and MultiAgent Systems(AAMAS \u201919). International Foundation for Autonomous Agents and Multiagent Systems, Richland, SC, 1078\u20131088."},{"key":"e_1_3_2_1_6_1","unstructured":"Dzmitry Bahdanau Kyunghyun Cho and Y. Bengio. 2014. Neural Machine Translation by Jointly Learning to Align and Translate. ArXiv 1409 (09 2014)."},{"key":"e_1_3_2_1_7_1","doi-asserted-by":"publisher","DOI":"10.1145\/3173574.3173951"},{"key":"e_1_3_2_1_8_1","unstructured":"Or Biran and Courtenay Cotton. 2017. Explanation and Justification in Machine Learning: A Survey."},{"key":"e_1_3_2_1_9_1","doi-asserted-by":"publisher","DOI":"10.1080\/14780887.2020.1769238"},{"key":"e_1_3_2_1_10_1","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-319-69909-7_3470-2"},{"key":"e_1_3_2_1_11_1","doi-asserted-by":"publisher","DOI":"10.1177\/2053951715622512"},{"key":"e_1_3_2_1_12_1","volume-title":"Thematic analysis. Vol.\u00a03","author":"Clarke Victoria","unstructured":"Victoria Clarke, Virginia Braun, and Nikki Hayfield. 2015. Thematic analysis. Vol.\u00a03. SAGE Publications, London, UK, 222\u2013248."},{"key":"e_1_3_2_1_13_1","doi-asserted-by":"publisher","DOI":"10.1007\/s11257-008-9051-3"},{"key":"e_1_3_2_1_14_1","unstructured":"Chester Dawson. 2018. Mitsubishi Bets People Will Reveal Their Driving Habits to Insurers\u2014For a Freebie. The Wall Street Journal. Retrieved 11.09.2020 from https:\/\/www.wsj.com\/articles\/mitsubishi-bets-people-will-reveal-their-driving-habits-to-insurersfor-a-freebie-1530853415"},{"key":"e_1_3_2_1_15_1","doi-asserted-by":"publisher","DOI":"10.1145\/3025453.3025659"},{"key":"e_1_3_2_1_16_1","unstructured":"Pam Dixon Robert Gellman and World Privacy Forum. 2014. The Scoring of America: Secret Consumer Scores Threaten Your Privacy and Your Future."},{"key":"e_1_3_2_1_17_1","doi-asserted-by":"publisher","DOI":"10.1145\/3301275.3302310"},{"key":"e_1_3_2_1_18_1","volume-title":"Algorithmic Fairness: Contemporary Ideas in the Insurance Context.","author":"Dolman Chris","year":"2018","unstructured":"Chris Dolman and Dimitri Semenovich. 2018. Algorithmic Fairness: Contemporary Ideas in the Insurance Context."},{"key":"e_1_3_2_1_19_1","unstructured":"David Durand. 1941. Risk Elements in Consumer Instalment Financing."},{"key":"e_1_3_2_1_20_1","doi-asserted-by":"publisher","DOI":"10.1145\/3301275.3302262"},{"key":"e_1_3_2_1_21_1","doi-asserted-by":"publisher","DOI":"10.1145\/3022198.3024947"},{"key":"e_1_3_2_1_22_1","doi-asserted-by":"publisher","DOI":"10.1145\/2858036.2858494"},{"key":"e_1_3_2_1_23_1","doi-asserted-by":"publisher","DOI":"10.1145\/2702123.2702556"},{"key":"e_1_3_2_1_24_1","doi-asserted-by":"publisher","DOI":"10.1145\/3290605.3300724"},{"key":"e_1_3_2_1_25_1","doi-asserted-by":"publisher","DOI":"10.1177\/2053951719860542"},{"key":"e_1_3_2_1_26_1","doi-asserted-by":"publisher","DOI":"10.1177\/1077800405284363"},{"key":"e_1_3_2_1_27_1","doi-asserted-by":"publisher","DOI":"10.1145\/3491102.3502076"},{"key":"e_1_3_2_1_28_1","first-page":"08","article-title":"Telematik-Versicherungen \u2013 \"Der Autofahrer will sich \u00fcberwachen lassen","volume":"18","author":"Gentrup Anna","year":"2020","unstructured":"Anna Gentrup. 2020. Telematik-Versicherungen \u2013 \"Der Autofahrer will sich \u00fcberwachen lassen\" | Auto & Mobil. S\u00fcddeutsche Zeitung Digitale Medien GmbH \/ S\u00fcddeutsche Zeitung GmbH. Retrieved 18.08.2020 from www.sz.de\/1.4480973","journal-title":"| Auto & Mobil. S\u00fcddeutsche Zeitung Digitale Medien GmbH \/ S\u00fcddeutsche Zeitung GmbH. Retrieved"},{"key":"e_1_3_2_1_29_1","doi-asserted-by":"publisher","DOI":"10.1109\/DSAA.2018.00018"},{"key":"e_1_3_2_1_30_1","doi-asserted-by":"publisher","DOI":"10.1145\/3543758.3543774"},{"key":"e_1_3_2_1_31_1","doi-asserted-by":"publisher","DOI":"10.1145\/3178876.3186138"},{"key":"e_1_3_2_1_32_1","doi-asserted-by":"publisher","DOI":"10.1145\/3236009"},{"key":"e_1_3_2_1_33_1","doi-asserted-by":"publisher","DOI":"10.1109\/RE.2014.6912257"},{"key":"e_1_3_2_1_34_1","doi-asserted-by":"publisher","DOI":"10.1109\/MITS.2014.2343262"},{"key":"e_1_3_2_1_35_1","doi-asserted-by":"publisher","DOI":"10.1177\/0952695119856292"},{"key":"e_1_3_2_1_36_1","doi-asserted-by":"publisher","DOI":"10.1145\/2556288.2557321"},{"key":"e_1_3_2_1_37_1","unstructured":"Tatjana Hornle. 2004. Justice as Fairness - Ein Modell auch fur das Strafverfahren."},{"key":"e_1_3_2_1_38_1","first-page":"09","article-title":"Telematik Plus \u2013 Damit k\u00f6nnen Sie noch g\u00fcnstiger fahren, HUK-COBURG Haftpflicht-Unterst\u00fctzungs-Kasse kraftfahrender Beamter Deutschlands a","volume":"15","author":"COBURG.","year":"2020","unstructured":"HUK-COBURG. 2020. Telematik Plus \u2013 Damit k\u00f6nnen Sie noch g\u00fcnstiger fahren, HUK-COBURG Haftpflicht-Unterst\u00fctzungs-Kasse kraftfahrender Beamter Deutschlands a. G. in Coburg. HUK-COBURG Datenservice- und Dienstleistungen GmbH. Retrieved 15.09.2020 from https:\/\/www.huk.de\/fahrzeuge\/kfz-versicherung\/telematik-plus.html","journal-title":"G. in Coburg. HUK-COBURG Datenservice- und Dienstleistungen GmbH. Retrieved"},{"key":"e_1_3_2_1_39_1","unstructured":"infas Institut f\u00fcr angewandte Sozialwissenschaft GmbH. 2018. Verbraucher-Scoring: Repr\u00e4sentativbefragung zur Akzeptanz und Kenntnis \u00fcber (neuartige) Scoring-Methoden."},{"key":"e_1_3_2_1_40_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jacr.2012.09.012"},{"key":"e_1_3_2_1_41_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbankfin.2010.06.001"},{"key":"e_1_3_2_1_42_1","first-page":"1574","article-title":"Application of blockchain in Usage Based Insurance","volume":"5","author":"Kumar A.","year":"2019","unstructured":"Vinodh\u00a0A. Kumar, Abhiram Prasad, and S.\u00a0Rajashekara Murthy. 2019. Application of blockchain in Usage Based Insurance. International Journal of Advance Research, Ideas and Innovations in Technology 5 (2019), 1574\u20131577.","journal-title":"International Journal of Advance Research, Ideas and Innovations in Technology"},{"key":"e_1_3_2_1_43_1","doi-asserted-by":"publisher","DOI":"10.1007\/s10551-014-2120-0"},{"key":"e_1_3_2_1_44_1","doi-asserted-by":"publisher","DOI":"10.1177\/2053951718756684"},{"key":"e_1_3_2_1_45_1","doi-asserted-by":"publisher","DOI":"10.1145\/3359284"},{"key":"e_1_3_2_1_46_1","doi-asserted-by":"publisher","DOI":"10.1145\/2702123.2702548"},{"key":"e_1_3_2_1_47_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.ejor.2015.05.030"},{"key":"e_1_3_2_1_48_1","doi-asserted-by":"publisher","DOI":"10.3389\/fnhum.2014.00643"},{"key":"e_1_3_2_1_49_1","doi-asserted-by":"publisher","DOI":"10.1145\/3313831.3376727"},{"key":"e_1_3_2_1_50_1","volume-title":"The Quantified Self: A Sociology of Self-Tracking","author":"Lupton Deborah","unstructured":"Deborah Lupton. 2016. The Quantified Self: A Sociology of Self-Tracking (first ed.). Polity Press, Cambridge, UK."},{"key":"e_1_3_2_1_51_1","doi-asserted-by":"publisher","DOI":"10.1007\/BF02334689"},{"key":"e_1_3_2_1_52_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.artint.2018.07.007"},{"key":"e_1_3_2_1_53_1","doi-asserted-by":"publisher","DOI":"10.1145\/3287560.3287574"},{"key":"e_1_3_2_1_54_1","doi-asserted-by":"publisher","DOI":"10.1007\/1-4020-3675-2_13"},{"key":"e_1_3_2_1_55_1","doi-asserted-by":"publisher","DOI":"10.1109\/TSE.2019.2893171"},{"key":"e_1_3_2_1_56_1","doi-asserted-by":"publisher","DOI":"10.1109\/ICSM.2015.7332474"},{"key":"e_1_3_2_1_57_1","doi-asserted-by":"publisher","DOI":"10.1145\/3366750.3366759"},{"key":"e_1_3_2_1_58_1","doi-asserted-by":"publisher","DOI":"10.1145\/2702123.2702174"},{"key":"e_1_3_2_1_59_1","doi-asserted-by":"publisher","DOI":"10.1093\/iwc"},{"key":"e_1_3_2_1_60_1","doi-asserted-by":"publisher","DOI":"10.2139\/ssrn.2819182"},{"key":"e_1_3_2_1_61_1","doi-asserted-by":"publisher","DOI":"10.1177\/2053951720923377"},{"key":"e_1_3_2_1_62_1","doi-asserted-by":"publisher","DOI":"10.1145\/506443.506619"},{"key":"e_1_3_2_1_63_1","doi-asserted-by":"publisher","DOI":"10.1287\/mksc.2018.1126"},{"key":"e_1_3_2_1_64_1","volume-title":"Consumer-friendly scoring: Gutachten des Sachverst\u00e4ndigenrats f\u00fcr Verbraucherfragen","author":"SVRV.","unstructured":"SVRV. 2018. Consumer-friendly scoring: Gutachten des Sachverst\u00e4ndigenrats f\u00fcr Verbraucherfragen. http:\/\/hdl.handle.net\/21.11116\/0000-0005-BB64-8"},{"key":"e_1_3_2_1_65_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.trpro.2016.05.088"},{"key":"e_1_3_2_1_66_1","first-page":"09","article-title":"HUK Mein Auto","volume":"15","author":"G\u00a0Datenservice","year":"2020","unstructured":"HUK-COBURG\u00a0Datenservice und Dienstleistungen\u00a0GmbH. 2020. HUK Mein Auto. HUK-COBURG Datenservice- und Dienstleistungen GmbH. Retrieved 15.09.2020 from https:\/\/play.google.com\/store\/apps\/details?id=de.hdd.telematik&hl=de","journal-title":"HUK-COBURG Datenservice- und Dienstleistungen GmbH. Retrieved"},{"key":"e_1_3_2_1_67_1","doi-asserted-by":"publisher","DOI":"10.1037\/0022-3514.72.5.1034"},{"key":"e_1_3_2_1_68_1","doi-asserted-by":"publisher","DOI":"10.1017\/S1748499516000130"},{"key":"e_1_3_2_1_69_1","doi-asserted-by":"publisher","DOI":"10.1007\/s11747-013-0330-0"},{"key":"e_1_3_2_1_70_1","doi-asserted-by":"publisher","DOI":"10.2139\/ssrn.3312874"},{"key":"e_1_3_2_1_71_1","volume-title":"The Age of Surveillance Capitalism: The Fight for the Future at the New Frontier of Power","author":"Zuboff Shoshana","unstructured":"Shoshana Zuboff. 2019. The Age of Surveillance Capitalism: The Fight for the Future at the New Frontier of Power. Public Affairs, New York, USA."}],"event":{"name":"MuC '23: Mensch und Computer 2023","location":"Rapperswil Switzerland","acronym":"MuC '23"},"container-title":["Mensch und Computer 2023"],"original-title":[],"link":[{"URL":"https:\/\/dl.acm.org\/doi\/10.1145\/3603555.3603562","content-type":"unspecified","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/dl.acm.org\/doi\/pdf\/10.1145\/3603555.3603562","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,6,17]],"date-time":"2025-06-17T16:46:27Z","timestamp":1750178787000},"score":1,"resource":{"primary":{"URL":"https:\/\/dl.acm.org\/doi\/10.1145\/3603555.3603562"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2023,9,3]]},"references-count":71,"alternative-id":["10.1145\/3603555.3603562","10.1145\/3603555"],"URL":"https:\/\/doi.org\/10.1145\/3603555.3603562","relation":{},"subject":[],"published":{"date-parts":[[2023,9,3]]},"assertion":[{"value":"2023-09-03","order":3,"name":"published","label":"Published","group":{"name":"publication_history","label":"Publication History"}}]}}