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PAYL-Systeme bedeutet konkret die kontinuierliche Erfassung von Gesundheitsdaten mithilfe technischer Ger\u00e4te und \u00dcbermittlung dieser Daten an Versicherungen sowie die Auszahlung von Boni f\u00fcr erreichte Fitnessziele. Zun\u00e4chst wird eine Definition von PAYL-Systemen dargelegt, dann werden die technischen Rahmenbedingungen erl\u00e4utert, schlie\u00dflich werden die Auswirkungen dieser sozio-technischen Systeme n\u00e4her beleuchtet. Dies geschieht auf Grundlage unserer empirischen Untersuchung. Die drei identifizierten Hauptkonflikte betreffen die Genese von PAYL, seine Auswirkungen auf den Wert der Datensouver\u00e4nit\u00e4t besonders f\u00fcr Versicherte und die Schwierigkeit, f\u00fcr den Anspruch auf Pr\u00e4vention und Kostenersparnis durch PAYL Evidenz zu erzeugen. Diese Konflikte werden diskutiert, um sowohl die direkten wie auch indirekten Auswirkungen der Digitalisierung und der \u00d6konomisierung des Sozialen durch PAYL zu beleuchten.<\/jats:p>","DOI":"10.1365\/s40702-021-00719-x","type":"journal-article","created":{"date-parts":[[2021,4,1]],"date-time":"2021-04-01T07:03:12Z","timestamp":1617260592000},"page":"494-506","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":11,"title":["Daten-\u00d6kosysteme wider Willen: Herausforderungen des Pay-as-you-live-Gesch\u00e4ftsmodells im Kontext deutscher Krankenversicherungen","Unintended Data ecosystems: Challenges of the Pay-as-you-live Business Model in the Context of German Health Insurers"],"prefix":"10.1365","volume":"58","author":[{"given":"Nele","family":"Wulf","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Stefanie","family":"Betz","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"93","published-online":{"date-parts":[[2021,4,1]]},"reference":[{"key":"719_CR1","unstructured":"adesso AG (2015) Gesch\u00e4ftsmodelle 4.0 \u2013 Was die Assekuranz von anderen Branchen lernen kann: Studie der Versicherungsforen Leipzig GmbH im Auftrag der adesso AG, Dortmund, Leipzig. https:\/\/www.adesso.de\/adesso\/adesso-de\/branchen\/versicherungen\/sonderthemen\/ergebnisbroschuere-studie-geschaeftsmodelle40-web.pdf. 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