Stephen Oates

Data Scientist - ML, LLMs & Insurance Analytics

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Blog

Articles on data science, democracy, forecasting and AI.

When the Buyer Is an Algorithm

October 22, 2026 · Stephen Oates, Claude and Codex

What the recent economics, simulation and experimental papers say about AI shopping agents: who keeps the savings once sellers reprice, whether the agents are biased themselves, and why insurance has to worry about risk selection, not just churn.


Can Crowds Govern Wisely? An Explainer on Epistemic Democracy

October 6, 2026 · Stephen Oates and Claude

From Lippmann and Dewey to prediction markets and AI: what theory and experiments tell us about when crowds make good decisions.


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