Buying Data from Consumers: The Impact of Monitoring in the U.S. Auto Insurance Industry

11:30 am October 31, 2018

HBS, Cotting House Conference Room

Abstract: New technologies have given firms unprecedented visibility into consumer behavior, but consumer consent is often necessary in data collection. Using administrative data from a large monitoring program in the U.S. auto insurance industry, we study how firms elicit consumer information and its impact on profit and welfare.

Speaker Bio: Yizhou Jin is a Ph.D. student of Business Economics at Harvard Business School and the Harvard Department of Economics. His research focuses on information asymmetry, industrial organization and market design. Yizhou’s current research projects address information problems in insurance markets and their implication on household risk-sharing, government regulations and firm strategy.

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