Kigan Martineau
The algorithm setting your settlement: How AI quietly decides insurance payouts, and what ASEAN regulators should do about it
Insurance is, in every developed market, a quasi-public good. It is regulated, subsidized at the edges, and central to economic resilience. When the adjudication layer of that public good is privatized into opaque software, the social contract underneath insurance erodes regardless of whether any specific outcome is "wrong."
