Pub Date : 2022-01-01Epub Date: 2022-02-02DOI: 10.1057/s41288-022-00264-8
Willem Standaert, Steve Muylle
While some consider open insurance to be a buzzword with more hype than substance, the underlying trend of open finance stimulates insurers to use digital technology to exchange data with third parties to realise process efficiencies and develop new products and channels. Based on a literature review and 30 interviews with industry experts in Europe, we define open insurance, identify its key drivers, and discuss the dimensions and performance impact of open insurance strategy. The combined insights can help executives develop a better understanding of open insurance and formulate an open insurance strategy that provides performance benefits to them, customers, and third parties.
{"title":"Framework for open insurance strategy: insights from a European study.","authors":"Willem Standaert, Steve Muylle","doi":"10.1057/s41288-022-00264-8","DOIUrl":"https://doi.org/10.1057/s41288-022-00264-8","url":null,"abstract":"<p><p>While some consider open insurance to be a buzzword with more hype than substance, the underlying trend of open finance stimulates insurers to use digital technology to exchange data with third parties to realise process efficiencies and develop new products and channels. Based on a literature review and 30 interviews with industry experts in Europe, we define open insurance, identify its key drivers, and discuss the dimensions and performance impact of open insurance strategy. The combined insights can help executives develop a better understanding of open insurance and formulate an open insurance strategy that provides performance benefits to them, customers, and third parties.</p>","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":"47 3","pages":"643-668"},"PeriodicalIF":0.0,"publicationDate":"2022-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8807377/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"39590860","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-11-28DOI: 10.1057/s41288-021-00261-3
Jorge de Andrés-Sánchez, Laura González-Vila Puchades, Mario Arias-Oliva
{"title":"Factors influencing policyholders' acceptance of life settlements: a technology acceptance model","authors":"Jorge de Andrés-Sánchez, Laura González-Vila Puchades, Mario Arias-Oliva","doi":"10.1057/s41288-021-00261-3","DOIUrl":"https://doi.org/10.1057/s41288-021-00261-3","url":null,"abstract":"","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":"3 1","pages":"941 - 967"},"PeriodicalIF":0.0,"publicationDate":"2021-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74421030","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-11-25DOI: 10.1057/s41288-021-00249-z
Martin Hodula, Jan Janků, Martin Časta, Adam Kučera
This paper tests potential determinants of the development of the insurance sector. Using a rich dataset for 24 European countries spanning two decades, we identify a set of macrofinancial factors that are the most robust predictors of growth of gross premiums in the life and non-life insurance sectors. We show that both life and non-life premiums co-move with the business cycle and are positively related to higher savings and a more developed financial system. In addition, we provide new evidence on the role of market concentration and price effects. We find that market concentration matters only for life insurance, whereas the price channel is significant only for non-life insurance. From a policy perspective, our empirical estimates can be used to refine the existing macroprudential stress tests of the insurance sector.
{"title":"On the macrofinancial determinants of life and non-life insurance premiums.","authors":"Martin Hodula, Jan Janků, Martin Časta, Adam Kučera","doi":"10.1057/s41288-021-00249-z","DOIUrl":"10.1057/s41288-021-00249-z","url":null,"abstract":"<p><p>This paper tests potential determinants of the development of the insurance sector. Using a rich dataset for 24 European countries spanning two decades, we identify a set of macrofinancial factors that are the most robust predictors of growth of gross premiums in the life and non-life insurance sectors. We show that both life and non-life premiums co-move with the business cycle and are positively related to higher savings and a more developed financial system. In addition, we provide new evidence on the role of market concentration and price effects. We find that market concentration matters only for life insurance, whereas the price channel is significant only for non-life insurance. From a policy perspective, our empirical estimates can be used to refine the existing macroprudential stress tests of the insurance sector.</p>","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":" ","pages":"1-39"},"PeriodicalIF":0.0,"publicationDate":"2021-11-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8613733/pdf/","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"39679477","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-11-19DOI: 10.1057/s41288-021-00259-x
G. Deligiannakis, Alexandros A. Zimbidis, I. Papanikolaou
{"title":"Earthquake loss and Solvency Capital Requirement calculation using a fault-specific catastrophe model","authors":"G. Deligiannakis, Alexandros A. Zimbidis, I. Papanikolaou","doi":"10.1057/s41288-021-00259-x","DOIUrl":"https://doi.org/10.1057/s41288-021-00259-x","url":null,"abstract":"","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":"1 1","pages":"821 - 846"},"PeriodicalIF":0.0,"publicationDate":"2021-11-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83148005","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-27DOI: 10.1057/s41288-021-00254-2
Eric Briys
{"title":"Correction to: Fingerspitzengefühl","authors":"Eric Briys","doi":"10.1057/s41288-021-00254-2","DOIUrl":"https://doi.org/10.1057/s41288-021-00254-2","url":null,"abstract":"","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":"19 1","pages":"493 - 493"},"PeriodicalIF":0.0,"publicationDate":"2021-10-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76596149","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-25DOI: 10.1057/s41288-021-00252-4
P. Ghosh, R. Miao, Emir Malikov
{"title":"Crop insurance premium subsidy and irrigation water withdrawals in the western United States","authors":"P. Ghosh, R. Miao, Emir Malikov","doi":"10.1057/s41288-021-00252-4","DOIUrl":"https://doi.org/10.1057/s41288-021-00252-4","url":null,"abstract":"","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":"6 1","pages":"968 - 992"},"PeriodicalIF":0.0,"publicationDate":"2021-10-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83252783","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-08DOI: 10.1057/s41288-021-00251-5
Daehwan Kim, Dong-hwa Lee
{"title":"Does private health insurance prevent the onset of critical illness and disability in a universal public insurance system?","authors":"Daehwan Kim, Dong-hwa Lee","doi":"10.1057/s41288-021-00251-5","DOIUrl":"https://doi.org/10.1057/s41288-021-00251-5","url":null,"abstract":"","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":"83 1","pages":"177-193"},"PeriodicalIF":0.0,"publicationDate":"2021-10-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"85859193","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-06DOI: 10.1057/s41288-021-00250-6
Brandon Saliba, Jonathan Spiteri, Dominic Cortis
{"title":"Insurance and wearables as tools in managing risk in sports: Determinants of technology take-up and propensity to insure and share data","authors":"Brandon Saliba, Jonathan Spiteri, Dominic Cortis","doi":"10.1057/s41288-021-00250-6","DOIUrl":"https://doi.org/10.1057/s41288-021-00250-6","url":null,"abstract":"","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":"19 1","pages":"499 - 519"},"PeriodicalIF":0.0,"publicationDate":"2021-10-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80483794","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-05DOI: 10.1057/s41288-021-00248-0
P. J. Robinson, W. Botzen
{"title":"Setting descriptive norm nudges to promote demand for insurance against increasing climate change risk","authors":"P. J. Robinson, W. Botzen","doi":"10.1057/s41288-021-00248-0","DOIUrl":"https://doi.org/10.1057/s41288-021-00248-0","url":null,"abstract":"","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":"14 1","pages":"27 - 49"},"PeriodicalIF":0.0,"publicationDate":"2021-10-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75215074","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-10-01DOI: 10.1057/s41288-021-00241-7
L. Guiso
{"title":"Trust and insurance","authors":"L. Guiso","doi":"10.1057/s41288-021-00241-7","DOIUrl":"https://doi.org/10.1057/s41288-021-00241-7","url":null,"abstract":"","PeriodicalId":75009,"journal":{"name":"The Geneva papers on risk and insurance. Issues and practice","volume":"114 1","pages":"509 - 512"},"PeriodicalIF":0.0,"publicationDate":"2021-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88025621","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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