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Maaike Harbers

Publications and source records attributed to Maaike Harbers.

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AI From the Margins (AIM): Rethinking Participatory AI Design Through the Lived Experience of Minoritized Communities

Artificial intelligence (AI) can reproduce and amplify the structural inequities faced by minoritized communities. Participatory AI has been proposed as a response, but participation typically starts after problem definitions and success criteria have been set, leaving limited room for minoritized communities to reshape what an AI system is for. We propose AI From the Margins (AIM): a methodological stance that articulates the conditions under which lived experiences of minoritized communities can be elicited, centered, and carried forward to inform participatory AI design. AIM is not a fixed protocol; it articulates a set of preconditions that can be enacted through different techniques in different settings. We applied AIM in a Dutch healthcare context in eight sessions with 13 women and non-binary people of color and five municipal policy workers, namely through (1) narrative elicitation using the Biographic Narrative Interpretive Method (BNIM); (2) co-constructed rule-making; (3) participants' determination of whether, where, and how AI should be involved; and (4) translating lived experience into AI policy through dialogue with policymakers. In their reflections on the sessions, participants described the engagement as substantive and called for its continuation, demonstrating how preparatory orientation fundamentally grounded in lived experience shapes what participatory AI design is for.

cs.CY

Discrimination and AI in insurance: what do people find fair? Results from a survey

Two modern trends in insurance are data-intensive underwriting and behavior-based insurance. Data-intensive underwriting means that insurers analyze more data for estimating the claim cost of a consumer and for determining the premium based on that estimation. Insurers also offer behavior-based insurance. For example, some car insurers use artificial intelligence (AI) to follow the driving behavior of an individual consumer in real-time and decide whether to offer that consumer a discount. In this paper, we report on a survey of the Dutch population (N=999) in which we asked people's opinions about examples of data-intensive underwriting and behavior-based insurance. The main results include: (i) If survey respondents find an insurance practice unfair, they also find the practice unacceptable. (ii) Respondents find almost all modern insurance practices that we described unfair. (iii) Respondents find practices for which they can influence the premium fairer. (iv) If respondents find a certain consumer characteristic illogical for basing the premium on, then respondents find using the characteristic unfair. (v) Respondents find it unfair if an insurer offers an insurance product only to a specific group. (vi) Respondents find it unfair if an insurance practice leads to the poor paying more. We also reflect on the policy implications of the findings.

cs.CY