future of insurance in a reputation-based economy · 2017. 10. 20. · reputation = risk premium...
TRANSCRIPT
Future of Insurance in a Reputation-based
Economy
@JC2GO
Juan Cartagena
What is Reputation?@JC2GO
What is Reputation?@JC2GO
What is Reputation?@JC2GO
Open Network@JC2GO
Open Network@JC2GO
Open Network@JC2GO
Close Network Open Network
@JC2GO
First Concept: Close networks vs Open networks
Close Network Open Network
Reputation: Efficient mechanism of social control
@JC2GO
First Concept: Close networks vs Open networks
Reputation in the past@JC2GO@JC2GO
Open Networks: Reputable Third Parties
@JC2GO
Open Networks: Reputable Third Parties
@JC2GO
Open Networks: Reputable Third Parties
@JC2GO
Open Networks: Reputable Third Parties
@JC2GO
Open Networks: Reputable Third Parties
@JC2GO
Endorsement
Track Record
@JC2GO
Endorsement
Track Record
@JC2GO
Unknown
Endorsement
Track Record
@JC2GO
Unknown
Endorsement
Track Record
@JC2GO
Unknown
Endorsement
Track Record
@JC2GO
Unknown
Endorsement
Track Record
Relationships
@JC2GO
Unknown
Endorsement
Track Record
Relationships
@JC2GO
Safety
Unknown
@JC2GO
The Network of Trust
@JC2GO
The Network of Trust
@JC2GO
The Network of Trust
- Socio-economic Level and behaviors - Explicit endorsement
blockchain
Sharing houses
The present and future of digital reputation @JC2GO
P2P car renting
Pet Caring
blockchain
Sharing houses
The present and future of digital reputation @JC2GO
P2P car renting
Pet Caring
Ann
Beth
$11
$9
“I have 2 empty seats from NY to Washington”
“I have 2 empty seats from NY to Washington”
(42)
(3)
Ann
Beth
$11
$9
“I have 2 empty seats from NY to Washington”
Carol $16
“I have 2 empty seats from NY to Washington”
“I have 2 empty seats from NY to Washington”
(42)
(3)
(42)
Reputation = Risk Premium
@JC2GO
The Internet
Making the internet a safer place
The Internet
Reputation
Making the internet a safer place
The Internet
Reputation
Handshake and InsuranceAPI
Making the internet a safer place
Network of Trust:
Peer Pressure, reduce Agency: Economics, not just pooling.
Network of Trust:
Peer Pressure, reduce Agency: Economics, not just pooling.
Network of Trust:
Peer Pressure, reduce Agency: Economics, not just pooling.
The Internet
Reputation
Handshake and InsuranceAPI
Making the internet a safer place
P2P Online
The Internet
Reputation
Handshake and InsuranceAPI
Making the internet a safer place
P2P Online
LandlordTenants
The Internet
Reputation
Handshake and InsuranceAPI
Making the internet a safer place
P2P Online
LandlordTenants
Traditional Services
Challenges for Reputation:
Challenges for Reputation:
Criminals who trust each other
People left out - Offline to Online reputation
The value of Negative reputation is High.
Fair Algorithms determine reputation. Inhumane?
Rating the RaterExtrapolation
