{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,3,12]],"date-time":"2026-03-12T23:47:16Z","timestamp":1773359236632,"version":"3.50.1"},"reference-count":42,"publisher":"SAGE Publications","issue":"2","license":[{"start":{"date-parts":[[2022,7,1]],"date-time":"2022-07-01T00:00:00Z","timestamp":1656633600000},"content-version":"unspecified","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by-nc-nd\/4.0\/"}],"content-domain":{"domain":["journals.sagepub.com"],"crossmark-restriction":true},"short-container-title":["Big Data &amp; Society"],"published-print":{"date-parts":[[2022,7]]},"abstract":"<jats:p> Attempts to use Big Data to transform car insurance pricing in France have failed. Why? Three possible explanations are discussed: organisational and cognitive inertia, normative preventions, and deliberate strategy. This article finds that moral or political reluctance has played only a secondary role in the failure of telematics devices. More important has been the deployment of an experimental strategy that has resulted in the conclusion that in the short and medium term at least, the use of big data to rate car insurance is not profitable. There are too many organisational and cognitive barriers to the smooth adoption of innovation. All insurers note they all arrived at this conclusion. An implicit consensus therefore remains to retain the old business model. <\/jats:p>","DOI":"10.1177\/20539517221142033","type":"journal-article","created":{"date-parts":[[2022,11,30]],"date-time":"2022-11-30T07:02:51Z","timestamp":1669791771000},"update-policy":"https:\/\/doi.org\/10.1177\/sage-journals-update-policy","source":"Crossref","is-referenced-by-count":20,"title":["The revolution that did not happen: Telematics and car insurance in the 2010s"],"prefix":"10.1177","volume":"9","author":[{"ORCID":"https:\/\/orcid.org\/0000-0003-4309-6009","authenticated-orcid":false,"given":"Pierre","family":"Francois","sequence":"first","affiliation":[{"name":"CNRS (Sciences Po\/CSO), Paris, France"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-3021-3579","authenticated-orcid":false,"given":"Th\u00e9o","family":"Voldoire","sequence":"additional","affiliation":[{"name":"Sciences Po, Paris, France"}]}],"member":"179","published-online":{"date-parts":[[2022,11,29]]},"reference":[{"key":"bibr1-20539517221142033","doi-asserted-by":"publisher","DOI":"10.7208\/chicago\/9780226189666.001.0001"},{"key":"bibr2-20539517221142033","volume-title":"\u00c9tude sur la r\u00e9volution num\u00e9rique dans le secteur fran\u00e7ais de l\u2019assurance","author":"ACPR","year":"2018"},{"key":"bibr3-20539517221142033","doi-asserted-by":"publisher","DOI":"10.2307\/1879431"},{"key":"bibr4-20539517221142033","volume-title":"Insurance 2030","author":"Balasubramanian R","year":"2021"},{"key":"bibr5-20539517221142033","doi-asserted-by":"publisher","DOI":"10.3917\/ecofi.126.0019"},{"key":"bibr7-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1177\/2053951720935143"},{"key":"bibr8-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1177\/2053951720933924"},{"key":"bibr9-20539517221142033","first-page":"237","volume-title":"The probabilistic revolution, Vol. 1: Ideas in history","author":"Daston LJ","year":"1986"},{"issue":"2","key":"bibr10-20539517221142033","first-page":"332","volume":"75","author":"David P","year":"1985","journal-title":"American Economic Review"},{"key":"bibr11-20539517221142033","volume-title":"Etude europ\u00e9enne sur l\u2019assurance automobile","author":"Deloitte","year":"2016"},{"key":"bibr12-20539517221142033","doi-asserted-by":"publisher","DOI":"10.2307\/2095101"},{"key":"bibr13-20539517221142033","volume-title":"Big data analytics in motor and health insurance","author":"EIOPA","year":"2019"},{"key":"bibr14-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbusres.2015.07.001"},{"key":"bibr15-20539517221142033","volume-title":"L\u2019Etat-providence","author":"Ewald F","year":"1986"},{"key":"bibr16-20539517221142033","doi-asserted-by":"publisher","DOI":"10.7208\/chicago\/9780226212708.001.0001"},{"key":"bibr17-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1093\/oxfordhb\/9780199286805.001.0001"},{"key":"bibr18-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1111\/j.1475-4991.2000.tb00848.x"},{"key":"bibr19-20539517221142033","first-page":"464","volume-title":"The Oxford handbook of international antitrust economics, Vol. 2","author":"Green EJ","year":"2014"},{"key":"bibr20-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1177\/2053951720935616"},{"key":"bibr21-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1111\/jpim.12448"},{"key":"bibr22-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1177\/2053951720950350"},{"key":"bibr23-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1177\/2053951714528481"},{"key":"bibr24-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1177\/0003122419884917"},{"key":"bibr25-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1016\/j.omega.2021.102502"},{"key":"bibr26-20539517221142033","volume-title":"Wellsprings of knowledge","author":"Leonard-Barton D","year":"1995"},{"key":"bibr27-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1093\/icc\/7.2.217"},{"key":"bibr28-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1111\/j.1467-954X.2011.02033.x"},{"issue":"1","key":"bibr29-20539517221142033","volume":"7","author":"McFall L","year":"2020","journal-title":"Big data and society"},{"key":"bibr30-20539517221142033","volume-title":"Big data: A revolution that will transform how we live, work, and think","author":"Mayer-Sch\u00f6nberger V","year":"2013"},{"key":"bibr31-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1080\/09505431.2017.1398223"},{"key":"bibr32-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1177\/2053951720914650"},{"key":"bibr33-20539517221142033","first-page":"163","volume-title":"Do economists make markets?","author":"Muniesa F","year":"2007"},{"key":"bibr34-20539517221142033","volume-title":"An evolutionary theory of economic change","author":"Nelson RR","year":"1982"},{"key":"bibr35-20539517221142033","volume-title":"Weapons of math destruction","author":"O\u2019Neil C","year":"2016"},{"key":"bibr36-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1093\/oxfordhb\/9780199286805.003.0004"},{"issue":"3","key":"bibr37-20539517221142033","first-page":"1257","volume":"105","author":"Prince A","year":"2020","journal-title":"Iowa Law Review"},{"key":"bibr38-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1007\/s11227-013-1021-9"},{"key":"bibr39-20539517221142033","doi-asserted-by":"crossref","unstructured":"Reggio G, Astesiano E (2020) Big-Data\/Analytics projects failure: A literature review. In: 2020 46th Euromicro Conference on Software Engineering and Advanced Applications (SEAA), pp.246\u2013255.","DOI":"10.1109\/SEAA51224.2020.00050"},{"key":"bibr40-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1111\/jpim.12398"},{"key":"bibr41-20539517221142033","doi-asserted-by":"publisher","DOI":"10.1086\/227495"},{"key":"bibr42-20539517221142033","volume-title":"Morals and markets","author":"Zelizer V","year":"1979"},{"key":"bibr43-20539517221142033","volume-title":"The age of surveillance capitalism","author":"Zuboff S","year":"2019"}],"container-title":["Big Data &amp; Society"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/journals.sagepub.com\/doi\/pdf\/10.1177\/20539517221142033","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/journals.sagepub.com\/doi\/full-xml\/10.1177\/20539517221142033","content-type":"application\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/journals.sagepub.com\/doi\/pdf\/10.1177\/20539517221142033","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,3,3]],"date-time":"2025-03-03T16:42:53Z","timestamp":1741020173000},"score":1,"resource":{"primary":{"URL":"https:\/\/journals.sagepub.com\/doi\/10.1177\/20539517221142033"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2022,7]]},"references-count":42,"journal-issue":{"issue":"2","published-print":{"date-parts":[[2022,7]]}},"alternative-id":["10.1177\/20539517221142033"],"URL":"https:\/\/doi.org\/10.1177\/20539517221142033","relation":{},"ISSN":["2053-9517","2053-9517"],"issn-type":[{"value":"2053-9517","type":"print"},{"value":"2053-9517","type":"electronic"}],"subject":[],"published":{"date-parts":[[2022,7]]},"article-number":"20539517221142033"}}