Endre søk
RefereraExporteraLink to record
Permanent link

Direct link
Referera
Referensformat
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Annet format
Fler format
Språk
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Annet språk
Fler språk
Utmatningsformat
  • html
  • text
  • asciidoc
  • rtf
The impact of e-commerce on the Iranian insurance companies
2006 (engelsk)Independent thesis Advanced level (degree of Master (Two Years)), 20 poäng / 30 hpOppgave
Abstract [en]

The conditions for doing business are rapidly changing. The Internet and related advances in information technology significantly affect financial services in general and insurance markets and institutions in particular. The growing importance of e-commerce represents a watershed event for insurance markets and institutions, as it does for most industries. By lowering information costs, e-commerce will enable insurers to classify, underwrite, and price risk as well as settle claims more accurately and efficiently. Overall, the Internet will significantly enhance the efficiency of insurance markets and institutions and benefit consumers by lowering transaction and information costs. The effects of e-commerce are the subjects of intense debate in insurance industry. The foundation for the purpose of this research has been created by a prospective study to explore the impact of application of e-commerce on the Iranian insurance industry. In order to fulfill the purpose of this study, a frame of reference has been emerged based on a vast literature review. With the focus at quantitative research as a general approach and descriptive research as the type of research in this study, a structured questionnaire was used as the data collection instrument. To accomplish this, a survey of 258 people (in almost all active insurance companies in Iran) has been carried out. The respondents from almost every department within the targeted insurance companies were randomly chosen. We have focused on the perception of insurers regarding the subject of study, and thus, the perception of other stakeholder such as insurance agents/brokers and even their customers have been suggested for future research, due to limitation and demarcation of this research. This dissertation has been organized in the seven chapters. An introduction this study, problem statements and research questions were presented in chapter one. The second chapter was devoted to literature review. The emerged frame of reference was provided in the third chapter and our research methodology was discussed in the fourth chapter. Data presentation and analysis were done in accordance with the research questions and the frame of reference in chapter five and six, respectively. Finally, in the last chapter findings and conclusions were drawn by answering the research questions. With respect to the findings, we conclude that the Iranian insurance companies were positively looked at e-commerce and its application in their companies. Their attitude and views toward e-commerce was positive so that they found that e-commerce would be an opportunity rather than a challenge or even a threat for insurance industry. They highly believed that e- commerce would affect on insurance companies and, thus, their companies should embrace e-commerce. Lack of skilled staffs in e-commerce application and scarcity of IT experts were the most infrastructure requirements which they found that the Iranian insures were suffering from. Whereas they were well equipped with hardware and networking as well as general and professional insurance software required in e-commerce applications. Lagging of other supportive sectors (e.g., e-Banking and Telecommunications), lack of appropriate legislation and regulation (e.g., copy right, digital signature, …), low Internet usage and fewer users, traditionally attitudes and views over the companies and scarcity of skilled staffs were the five top major obstacles which would hinder the Iranian insurers to embrace e-commerce. E-commerce is potentially applicable to marketing and sales as well as R&D with respect to insurance value chain. On the other hand, as far as insurance products concern, auto (motor) insurance, marine and aviation, life insurance and fire insurance were highly perceived to suitable to e- commerce (sale online). Finally, the Iranian insurance companies were chiefly believed that in the case of e-commerce application they would get these top five benefits: brand and image promotion (as a pioneer and modern company), extended corporation with partners (specially in the reinsurance cases), lower invest for establishing the sales and after sales services network, cost reduction in value chain management (e.g. product/service development) and decentralization and no restrictions imposed by national borders.

sted, utgiver, år, opplag, sider
2006.
Emneord [en]
Social Behaviour Law, Insurance industry, e-commerce, e-insurance, e-actuary
Emneord [sv]
Samhälls-, beteendevetenskap, juridik
Identifikatorer
URN: urn:nbn:se:ltu:diva-54702ISRN: LTU-PB-EX--06/03--SELokal ID: ba1bcdc7-5407-4af1-93ee-6c0add32f1afOAI: oai:DiVA.org:ltu-54702DiVA, id: diva2:1028084
Fag / kurs
Student thesis, at least 30 credits
Utdanningsprogram
Electronic Commerce, master's level
Examiner
Merknad
Validerat; 20101217 (root)Tilgjengelig fra: 2016-10-04 Laget: 2016-10-04bibliografisk kontrollert

Open Access i DiVA

fulltekst(1411 kB)680 nedlastinger
Filinformasjon
Fil FULLTEXT01.pdfFilstørrelse 1411 kBChecksum SHA-512
4584d8d29a9fc33efda7e63639b70f7e19877df918db8f0cf57505a51b94bc2168a1b370f3d89fc985267d6d843789b9a6037c8f24d62291e446987aa6072495
Type fulltextMimetype application/pdf

Søk utenfor DiVA

GoogleGoogle Scholar
Totalt: 680 nedlastinger
Antall nedlastinger er summen av alle nedlastinger av alle fulltekster. Det kan for eksempel være tidligere versjoner som er ikke lenger tilgjengelige

urn-nbn

Altmetric

urn-nbn
Totalt: 1532 treff
RefereraExporteraLink to record
Permanent link

Direct link
Referera
Referensformat
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Annet format
Fler format
Språk
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Annet språk
Fler språk
Utmatningsformat
  • html
  • text
  • asciidoc
  • rtf