Testing software for non-discrimination: an updated and extended audit in the Italian car insurance domain
This study addresses the problem of non-discrimination in software systems for the general public, particularly those using car insurance services in Italy, and highlights the need for accountability in algorithmic decision-making.
The study tackled the problem of non-discrimination in Italian car insurance pricing algorithms and found that demographic variables, particularly birthplace, significantly impact pricing. The results show that discrimination persists over time, with birthplace being the main discriminatory factor.
Context. As software systems become more integrated into society's infrastructure, the responsibility of software professionals to ensure compliance with various non-functional requirements increases. These requirements include security, safety, privacy, and, increasingly, non-discrimination. Motivation. Fairness in pricing algorithms grants equitable access to basic services without discriminating on the basis of protected attributes. Method. We replicate a previous empirical study that used black box testing to audit pricing algorithms used by Italian car insurance companies, accessible through a popular online system. With respect to the previous study, we enlarged the number of tests and the number of demographic variables under analysis. Results. Our work confirms and extends previous findings, highlighting the problematic permanence of discrimination across time: demographic variables significantly impact pricing to this day, with birthplace remaining the main discriminatory factor against individuals not born in Italian cities. We also found that driver profiles can determine the number of quotes available to the user, denying equal opportunities to all. Conclusion. The study underscores the importance of testing for non-discrimination in software systems that affect people's everyday lives. Performing algorithmic audits over time makes it possible to evaluate the evolution of such algorithms. It also demonstrates the role that empirical software engineering can play in making software systems more accountable.