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Examining the obstacles to the development of electronic insurance in insurance companies

Number of pages: 119 File Format: word File Code: 30802
Year: 2014 University Degree: Master's degree Category: Management
Tags/Keywords: background - Background factors - behavioral - Behavioral factors - Electronic insurance - Natural factors - nature - Structural factors
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  • Summary of Examining the obstacles to the development of electronic insurance in insurance companies

    Dissertation for M.A. degree

    Business Administration - Marketing Major

    Abstract

    E-commerce is a potential field to help create simple, smooth, productive, transparent and effective relationships between business departments and provides consumers, consumers with commercial sectors, consumers with each other and commercial sectors with each other. Therefore, this research aims to examine the obstacles to the development of electronic insurances. For this purpose, 4 hypotheses were designed. A questionnaire containing 28 questions was used to collect data. The research and the analysis of variance test along with Tukey's post hoc test were used to rank the barriers to the development of electronic insurance, and finally the results showed that structural factors, behavioral factors, background factors have an effect on the lack of implementation and development of electronic insurance, and the results of the ranking showed that structural barriers are in the first place, behavioral barriers are in the second place, background barriers are in the third place, and physical barriers are in the fourth place.

    Key words: electronic insurance, structural, behavioral, background and nature factors has provided E-commerce is the main achievement of the application of information and communication technology in economic fields. Due to the development of this technology, the volume of e-commerce in the world is growing day by day. One of the essential tools for realizing and expanding e-commerce is the existence of an e-insurance system that facilitates e-commerce related activities. What increasingly creates competitive differentiation in manufacturing or service companies is the support and customer service that is in and around the product, not just the quality of the product itself (Bikzad and Molvi, 2018).

    In this chapter, firstly, the problem statement and the necessity of conducting the research, then the goals, questions and assumptions of the research are mentioned, and finally, the conceptual and operational definition It is mentioned.

    1-2. Explaining and stating the problem

    Today, one of the important factors of customer satisfaction in insurance services is the quality of service provision, i.e. quick and cheap access to those services, so achieving this goal regardless of the countless benefits it has for domestic and foreign insurance customers is a competitive advantage in today's highly competitive world. In many developed countries, increasing efforts have been made to improve the provision of insurance services through the use of information technology, so that in our country, the entry of private insurance companies into the competition scene, the rise of customer expectations and the use of information technologies and new innovations in the field of insurance services, show the importance of providing electronic services more and more (Haqighi and Sihoun, 2017).

    On the other hand E-commerce is used as a very important strategy for sales and customer service. A company's website is not only an introduction to that company, but it also provides information about new products and services, online processing capabilities, customer support, and access to a wider range of products and services. When the products and services offered are intangible, such as financial and insurance services, the existence of a website guarantees more benefits. Digital trends in the economy have had a significant impact on the financial industry. New technology drives organizations to new digital network models. The Internet allows companies to reach more customers and eliminate geographic restrictions (Haqighi and Sihoun, 2017).

    Today, taking advantage of the benefits of e-commerce is widely recognized all over the world. In recent years, the adoption and use of this technology in the insurance industry compared to the banking industry has been very limited due to some considerations and complications. One of the most important advantages of using this technology is saving money and time, which can improve the penetration of insurance in the country. The risks of using this technology in the insurance industry are mainly related to the risks and legal loopholes that insurers face in the process of selling products and providing services to policyholders. Failure to take effective measures to reduce these risks and also eliminate legal loopholes, the presence of insurers in this new space will face many harmful consequences (Sadraei, 2016).

    Also, the rapid expansion of e-commerce in the world, the inevitability of its use, the role of e-commerce in maintaining, strengthening and developing the competitive position of the country in the world and the savings resulting from e-commerce in the country and considering the major and essential role of the insurance industry. In providing suitable grounds for growth and economic activities, it seems that in our country, it should be possible to move towards internetization of insurance services (Haqighi and Sihoun, 2017). This research aims to answer the question of what factors hinder the development of e-insurance in insurance companies? 1-3. Importance of the subject and the necessity of conducting research The rapid expansion of e-commerce in the world, the inevitability of its use, the role of e-commerce in maintaining, strengthening and developing the country's competitive position in the world and the savings caused by e-commerce in the country and considering the major and fundamental role of the insurance industry in providing suitable grounds for growth and economic activities, it seems that in our country it should be possible to move towards the Internet of insurance services (Haqiqi and Sihoun, 2018). - is, therefore, reaching this important point - regardless of the countless benefits that insurance has for domestic and foreign customers - is a competitive advantage in today's highly competitive world (Haqighi and Sihoun, 2018). Insurance, as one of the most important and influential economic activities, plays a more important role in economic activities day by day; Therefore, continuous progress in the provision of insurance services, both in terms of qualitative and quantitative improvement of current services and in terms of the emergence of new services, is essential (Haqighi and Sihoun, 2008).

    In view of the importance and role of insurance in the country and the need to provide facilities for easy access to it, and also in view of the increasing efforts of the Entrepreneur Insurance Company as one of the active companies in the insurance industry that also incurs large costs has done in the field of electronicization of its services. This research aims to investigate the obstacles to the development of electronic insurance in the Entrepreneur Insurance Company of Tehran province. 1-4. Research questions This research aims to answer the following questions: dir="RTL">1. Do structural factors affect the lack of implementation and development of electronic insurance?

    2. Do behavioral factors affect the lack of implementation and development of electronic insurance?

    3. Do background factors affect the lack of implementation and development of electronic insurance?

    4. Do the factors of nature affect the lack of implementation and development of electronic insurance?

    5. Which of the factors is more important in the lack of implementation and development of electronic insurance? Research objectives

    1. Examining obstacles (structural, behavioral, contextual and essential) to the development of electronic insurance

    2.

  • Contents & References of Examining the obstacles to the development of electronic insurance in insurance companies

    List:

    Table of Contents

    Title

    Chapter One: Generalities of the research 1

    1-1. Introduction 2

    1-2. Description and statement of the problem 2

    1-3. The importance of the topic and the necessity of conducting research 4

    1-4. Research questions 5

    1-5. Research objectives 5

    1-6. Research hypotheses 5

    1-7. Conceptual definitions 6

    1-7-1. Electronic insurance 6

    1-7-2. Structural barriers 6

    1-7-3. Behavioral obstacles 6

    1-7-4. Environmental obstacles (field) 6

    1-7-5. Obstacles of nature 7

    1-8. Operational definitions 7

    1-8-2. Structural barriers 7

    1-8-3. Behavioral obstacles 8

    1-8-4. Background obstacles 8

    1-8-5. Obstacles of nature 9

    1-9. Type of research method 9

    1-10. Research field 9

    1-10-1. Subject field 9

    1-10-2. Time field 10

    1-10-3. Spatial field 10

    1-11. Society and statistical sample 10

    Chapter two: Research literature 11

    2-1. Introduction 12 2-2. History related to the research 13 2-2-1. The history of the emergence and formation of e-commerce 13 2-2-2. The position of the insurance industry in the economy 16 2-3. Electronic commerce 17 2-4. Advantages of electronic commerce 20

    2-5. Electronic business models 21

    2-5-1. Consumer-consumer model 22

    2-5-2. Business-consumer model 22

    2-5-3. Business-business model 22

    2-5-4. Consumer-business model 23

    2-6. Electronic business and its role In the insurance industry 23

    2-7. Definition of the word insurance 24

    2-8. Electronic insurance 25

    2-9. Prerequisites for the implementation of electronic insurance 25

    2-9-1. Cultivation 26

    2-9-2. Pathology 26

    2-9-3. Involvement of all people in the insurance industry 26

    2-9-4. Downsizing the organizational structure 26

    2-10. Conditions for the successful implementation of electronic insurance strategy 27

    2-10-1. Electronic leadership (existence of leadership and strategic thinking) 27

    2-10-2. Creating technological infrastructure 27

    2-10-3. Organizational infrastructure readiness 28

    2-10-4. Existence of knowledgeable and expert manpower 28

    2-10-5. Existence of legal infrastructure 28

    2-11. Electronic insurance risks 29

    2-11-1. Transaction risks 29

    2-11-2. Communication risks 30

    2-11-3. Strategic risks 30

    2-11-4. Credit and financial risks 31

    2-11-5. Liability risks 31

    2-11-6. Operational risks 32

    2-12. The main challenges and limitations facing electronic insurance 32

    2-12-1. Guidance of electronic commerce 33

    2-12-2. Limitations of skilled employees in the field of electronic insurance 33

    2-12-3. Technical infrastructure 33

    2-12-4. Pricing of electronic insurance products 33

    2-13. Implementation of electronic insurance in Iran 34

    2-13-1. Requirements 34

    2-13-2. Challenges 36

    2-12-3. Strategies 37

    2-14. Consequences of implementing electronic insurance in the insurance industry 38

    2-14-1. Reducing management and administrative costs 38 2-14-2. Creating new sales channels 38 2-14-3. Reducing fraud 39 2-14-4. Increasing competition 39 2-14-5. Providing better services to customers 39

    2-14-6. Determining and calculating insurance premiums based on reality and not old tariffs 40

    2-14-7. Improving management decision-making 40

    2-15. Entrepreneur insurance 40

    2-15-1. Establishment philosophy 40

    2-15-2. Company goals 41

    2-15-3. Company financial strength 41

    2-15-4. The subject of company activity 41

    2-15-5. Technical and specialized ability 42 2-15-6. Personnel and branches 42 2-16. Background of research 43 2-16-1. Background of research in Iran 43 2-16-2. Background of research in the world 49 2-17. Conceptual model of research 53

    The third chapter: Research methodology 54

    3-1. Introduction 55

    3-2. Research method 56

    3-3. Statistical community 56

    3-4. Statistical sample 57

    3-5. Data collection tool 57

    3-6. Validity of measurement toolValidity of measuring instrument (questionnaire) 58

    3-6-1. Validity of questionnaire 58

    3-6-2. Reliability of questionnaire 59

    3-7. Data analysis method (statistical method) 59

    3-8. Research field 60

    3-8-1. Thematic field 60

    3-8-2. Time field 60

    3-8-3. Geographical area 60 Chapter 4: Data analysis 61 4-1. Introduction 62 4-2. Demographic information 63 4-2-1. Gender of respondents 63 4-2-2. Marital status of the respondents 64

    4-2-3. Age 65

    4-2-4. Education level 66

    4-2-5. Work history 68

    4-3. Kolmogorov Smirnov test 69

    4-4. Research hypothesis test 70

    4-4-1. First hypothesis 70

    4-4-2. Second hypothesis 71

    4-4-3. Third hypothesis 73

    4-4-4. Fourth hypothesis 74

    4-5. Ranking of obstacles to the development of electronic insurance 75

    Chapter five: Conclusion 78

    5-1. Introduction 79

    5-2. Discussion in analytical results 79

    5-2-1. The results of the research hypotheses 80

    5-2-2. The results of the ranking of obstacles to the development of electronic insurances 81

    5-3. Summary and conclusion 82

    5-4. Research proposals 83

    5-4-1. Practical proposals 83

    5-4-2. Suggestions for future research 85

    5-5. Research limitations 85

    Resources 86

    Persian resources 87

    English resources 90

    Internet resources 92

    Questionnaire 94

    Output of spss software 96

    Abstract 104

    Source:

    Persian sources

    Esfidani, Mohammad Rahim; Main Dakhi, Alireza; Esmaili Ahangarkalai, Elaha (2013) The effect of the Internet on the performance of life insurance marketing, Insurance Research Journal, Year 26, Number 2.

    Aghazadeh, Hashem; Bakshizadeh, Elahe (2009) Evaluating the effectiveness of electronic advertising based on the Hierarchy of Effects model (Case study: Garment industry), Modern Economy and Commerce Quarterly, No. 21 and 22.

    Beikzad, Jafar; Molvi, Zahra (2008) Electronic service quality and electronic customer satisfaction, Bank and Economy Magazine, No. 104.          

    Afkhami, Ahmed; Torabi, Mustafa (2018) The effect of electronic service quality dimensions on customer satisfaction in B2C e-commerce (case study: Iran and Alborz internet insurance), Modern Economy and Trade, numbers 25 and 26.

    Amir Khani, Amir Hossein; Motaghi Thabit, Mahmoud (2009) Examining the obstacles to the development of electronic insurance in Asia Insurance Joint Stock Company, Insurance Industry Quarterly, Year 25, Number 1.

    Bagai Rawri, Javad; Moghdisi, Alireza (2008) Presenting a three-dimensional model of the challenges of implementing e-commerce in Iran, Knowledge and Development Magazine, No. 19. Jaafarpour, Mahmoud; Rahman Sarasht, Hossein (2008) Presenting a conceptual model of online book purchase and its evaluation in the country's universities, Commercial Research Quarterly, No. 52. Haji Karimi, Abbas Ali; Azizi, Shahryar (2008) The model of factors affecting the use of e-commerce in small companies, Business Research Journal, No. 48.

    Hafez Nia, Mohammad Reza (2008) An introduction to research methods in humanities, Semt Publications, Tehran, 4th edition.

    Haqiqi, Mohammad; Sihun, Ali Reza (2007) Presenting the electronic maturity model for service delivery processes in the country's insurance industry and testing it in Parsian Insurance Company, Insurance Industry Quarterly, 23rd year, numbers 3 and 4. Dadkhah, Behrouz; Mohammadi, Mohammad Ali; Pour Naseri, Shahnaz; Mozafari, Naser; Adham, Daud (1387) The views of faculty members of provincial universities on research and obstacles to research in these universities in 1382, scientific and research journal of Ardabil University of Medical Sciences, 8th period, number 1.

    Saei Ersi, Iraj (1387) Research methods in social sciences, volume 1: Theories of cognition and basic concepts of methodology, Tehran, Silk Road.

    Saei Ersi, Iraj (1387) Iraj (1387) Research Methods in Social Sciences, Volume II: Quantitative and Qualitative Research Methods, Tehran, Bahman Barna.

    Sarmad, Zohreh, Abbas Bazargan and Elaha Hijazi (1387) Research Methods in Behavioral Sciences, Aghah Publications, Tehran, Second Edition.

    Sohrabi, Babak; Khanleri, Amir (2009) Effective factors in the use of e-commerce in small and medium-sized enterprises in Iran, Entrepreneurship Development, second year, seventh issue.

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