揭示数字化对保险分销绩效的影响

IF 2 Q2 BUSINESS, FINANCE Risks Pub Date : 2024-08-14 DOI:10.3390/risks12080129
Thomas Köhne, Marija Köhne
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引用次数: 0

摘要

本研究探讨了数字化对保险中介机构绩效的影响,保险中介机构在保险公司的创收过程中仍然发挥着关键作用。通过采用跨学科方法,本研究首次考察了中介机构使用数字技术的程度和类型,其对收入、生产率和与客户互动方面的绩效的影响,以及数字压力在此背景下的作用。这项研究是探索性的,因此建立了一个包含多个变量和变量间关系的研究模型。研究采用了部分最小二乘法结构方程建模(PLS-SEM)的定量多元方法,因为这种方法可以同时估计多个因变量及其相互关系的模型。在此背景下,对 2022 年从德国 671 家保险中介机构收集的数据进行了分析,样本中的人口分布代表了德国保险市场。研究结果表明,与其他行业相比,保险中介使用了许多数字技术,尤其是那些能在日常工作中创造附加值的技术。实证证据还表明,使用数字技术会对业绩产生积极影响,但也会引发感知到的数字压力。本研究表明,后者会削弱对绩效的积极影响。技术乐观主义、技术技能和组织支持会降低压力的严重程度。这意味着保险公司可以从这里入手,为中介提供支持,以减轻绩效限制效应。本研究对保险中介机构如何应对数字化以及数字化对其绩效的影响提供了更广泛的理解,为保险文献增添了新的内容。
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Uncovering the Impact of Digitalization on the Performance of Insurance Distribution
This study explores the impact of digitalization on the performance of insurance intermediaries, who still play a key role in the revenue generation of insurance companies. By using an interdisciplinary approach, this study is the first to examine the extent and type of digital technologies used by intermediaries, their impact on performance with respect to revenue, productivity, and interaction with clients, and the role of digital stress in this context. The research is exploratory, which is why a research model with many variables and relationships between them was built. The quantitative multivariate method of Partial Least Squares Structural Equation Modeling (PLS-SEM) was applied as it allows the simultaneous estimation of models with multiple dependent variables and their interconnections. In this context, data collected in 2022 from 671 insurance intermediaries from Germany, whose demographic distribution in the sample is representative of the German insurance market, were analyzed. The findings show that insurance intermediaries use many digital technologies compared to other industries, particularly those that create added value in their daily work. Empirical evidence also showed that using digital technologies positively affects performance but induces perceived digital stress. As this study reveals, the latter diminishes the positive effects on performance. Technology optimism, technological skills, and organizational support reduce the severity of stress. This means that insurers can start here to support intermediaries to mitigate the performance-limiting effects. This study adds to the insurance literature by providing a broader understanding of how insurance intermediaries deal with digitalization and what it means for their performance.
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来源期刊
Risks
Risks Economics, Econometrics and Finance-Economics, Econometrics and Finance (miscellaneous)
CiteScore
3.80
自引率
22.70%
发文量
205
审稿时长
11 weeks
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