Research on non-life pricing procedures on encrypted and anonymous data under the GDPR

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By Thomas Poinsignon | 01 October 2019
The recent increase in the amount of data generated, stored and analysed by insurers to establish their pricing and underwriting policies has led to the emergence of new needs both from a regulatory point of view, with the recent implementation of the European framework of the General Data Protection Regulation and with a view to offering new services on the market (cyber risk). The work carried out in this paper is thus devoted to the development of the elementary mathematical concepts and models applied when developing non-life insurance pricing models to their use on secure data through IA-driven anonymisation and pseudonymisation processes in accordance with regulatory requirements.