• Journal of the Korean Data and Information Science Society
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• 제17권2호
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• pp.355-366
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• 2006

Customer Satisfaction (CS) in Auto insurance market is the important factor which makes customer loyalty and retention increase. Recently On-line companies are threatening the existing Off-line companies with taking advantage of the low price through cut-offing the price by internet marketing. Therefore, the CS is becoming an indispensable survival strategy to the Off-line companies. Under these circumstances, this study finds out what the CS factors are in the auto insurance market, and produces levels of CS, customer loyalty and satisfaction Index of each category. The purpose of this study is to suggest the strategic improvement factor for elevating CS level and strategic direction for CS management by CS portfolio analysis based on the survey result.

• Journal of the Korean Data and Information Science Society
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• 제19권3호
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• pp.877-891
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• 2008

The purpose in this datamining modeling is to maximize the number of L insurance' new customer selected from the S corp.'s customers through the telemarketing. We demonstrated the superiority of this method by comparing the existing marketing method and campaign result. The used software in this analysis is SAS 9.1 and so on.

• Journal of the Korean Data and Information Science Society
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• 제19권4호
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• pp.1007-1018
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• 2008

The purpose of this case study is to demonstrate database-marketing management. First, we explore original variables for insurance customer's data, modify them if necessary, and go through variable selection process before analysis. Then, we develop churn prediction models using logistic regression, neural network and SVM analysis. We also compare these three data mining models in terms of misclassification rate.

• 한국융합학회논문지
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• 제9권5호
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• pp.157-169
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• 2018

본 연구는 보험소비자의 자발적 구매동기가 보험소비만족에 어떠한 영향을 주는지 확인하고자 하였다. 심리학의 자기결정성 이론에 근거하여 자발적인 구매동기를 유발하는 소비자의 심리적 욕구를 포함하여 보험소비만족에 대한 직 간접적 영향을 파악하고자 하였다. 보험소비자 1,225명 대상의 온라인 설문조사 자료를 이용하여 구조방정식 분석을 통해 연구 가설과 모형을 증명하였다. 연구결과, 소비자가 구매의 필요성을 스스로 인지하는 자발적인 구매동기에 의한 구매시 보험소비만족이 높아지고, 보험소비자율성과 보험소비환경에 대한 긍정적 인지는 자발적 구매동기를 높이며, 이를 매개로 소비만족에 기여하는 것으로 나타났다. 본 연구를 통하여 보험회사의 과도한 마케팅과 보험소비자의 자기과신은 보험소비만족을 저해할 수 있으며, 보험소비자의 자율적권리와 책임 인식을 높이는 금융소비자의 소비태도 교육이 필요하다는 시사점이 도출되었다.

• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.297-304
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• 2020

This paper applies the Data Envelopment Analysis (DEA) to compute the managerial efficiency of 30 insurance companies listed on the Saudi stock exchange for the duration of four years from 2015 to 2018. The companies taken as a sample of study included both conventional and Takaful insurance companies. The insurance sector of KSA is one of the largest sectors in the country, contributing a substantial percentage in the non-oil economy. Efficiency measurement and evaluation will provide a venue to introspect and benchmark frontiers to the sector. In the present study, we have utilized the basic Banker Charnes Cooper and Charnes Copper Rhodes models of DEA. Two inputs, namely, general & administrative expenses and policy & acquisition costs, and two outputs (Net premium earned and Investment Income & other incomes) were taken for efficiency calculations. The final outcomes of the study reveal that a good number of insurance companies operating in KSA are found to be efficient on managerial efficiency scale. Three firms remain the leader on the frontier of the managerial efficiency. And no company found with zero (0) efficiency or a negative efficiency. It is expected that the outcome of the study will provide benchmarks to managers and a road map to further improvement.

• Journal of Information Technology Applications and Management
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• 제15권3호
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• pp.91-110
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• 2008

Trust is emphasized as one of the most important factors in various e-commerce related studies. It is no exaggeration to say that in the area of e-commerce, trust-building with customers determines a company's success or failure. That is why most e-commerce based companies spare no time and effort in building trust with customers. Without exception, trust is one of the most critical factors influencing a customer's decision making process of whether to purchase Internet automobile insurance. This study attempts to provide useful guidelines for the sales-enhancing strategies of Internet automobile insurers, by delving into research questions concerning 1) gender differences in Internet automobile insurance customers' recognition of trust, and 2) gender differences in the effective trust factors influencing one's intention to purchase of Internet automobile insurance. The study finds that while the shape of trust-recognition toward three types of trust factors is very similar for both gender groups, the intensity of trust for each gender group in overall is pretty different. The results indicate that there exist gender differences in the trust factors influencing one’s intent to purchase Internet automobile insurance. The results of this study will provide useful guidelines for Internet automobile insurers in establishing effective and differentiated marketing strategies.

• 융합경영연구
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• 제4권3호
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• pp.7-11
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• 2016

The purpose of this study is to examine the long term care insurance system that has been 9 years and to understand issues arose during settlement of the insurance system in accordance with provision of solutions to increase the quality of elders' long term care service. Also, the study is aiming at providing contribution to both satisfaction of customers and workforces at the field along with achievement of the primary goal that the elders' care service policy was aiming at. To achieve the purpose of the study, authors gathered and analyzed reports and literatures from books published domestically, governmental open data and statistical data related to policy on long term care service insurance for elders to examine current problematic issues of long term care insurance and to explore ways to improve by having case studies of advanced countries. The result of this study shows that there are differences in the way how participants of the programs react to registering to insurance of program for supporting elderly persons' social activities and employment despite Korean government is operating the programs along general guidance for the programs as a standardized guideline.

• International Journal of Advanced Culture Technology
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• 제9권3호
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• pp.92-99
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• 2021

In this research, it was investigated the competence of Korean salesmen in the insurance business(B2C, consumer goods marketing) and information communication industry(B2B, industrial goods marketing) at the individual level rather than the organizational level. The salesperson's Guanxi ability means the salesperson's ability to create, maintain, develop the Guanxi ability. Namely, it was investigated whether the Korean salesman's Guanxi ability is the effective and persuasive concept in explaining the sales performance(company performance, business performance). The purpose of this paper was to verify which variables, among Guanxi ability and customer orientation, better explain the sales performance of salespeople. The Western concept of marketing that is closest to Guanxi is the concept of the customer-orientation that is based on the theory of relationship exchange. Confucian culture in the East is the construct concept, Guanxi is the measurement. The relational exchange theory in the West is the construct concept, customer orientation is the measurement. As the result of the analysis, we found that the Guanxi proved a greater correlation with sales performance than customer orientation. In the information technology industry, there was a big difference compared to insurance industry, whereas Guanxi and customer orientation had a similar level of correlation with sales performance. In the case of the insurance industry, we found that the Guanxi and sales performance were significant but the customer orientation and sales performance were not. This means that sales performance can be accurately and sufficiently explained only by adding the Guanxi ability in addition to customer orientation. The result of analyzing the mediating effect of the Guanxi ability between customer orientation and company performance, customer orientation was significant with Guanxi, and customer orientation and company performance were also significant. But, when the Guanxi was used as the parameter, the Guanxi was significant with company performance, but the customer orientation was not. Even when the dependent variable was business performance, when the Guanxi was used as the parameter, we found that the Guanxi was significant with the business performance, but the customer orientation was not. Namely, it proved Guanxi ability and customer orientation are completely independent concepts. In addition, we found that the information technology industry, unlike the insurance industry, mediated the Guanxi ability between customer orientation and sales performance. We confirmed that in the future, salespeople should not only rely on rational methods to maintain and reinforce customer relationships, but must consider the emotional factors through empathy with customers.

• 디지털융복합연구
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• 제10권5호
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• pp.67-78
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• 2012

최근 온라인 자동차보험에 대한 고객의 관심이 급증하고 있다. 그 이유는 경제성 측면에서 온라인 자동차보험이 소비자들에게 유용성을 제공해주기 때문이다. 오프라인에서 판매하는 자동차보험은 서비스 상품으로 온라인에서 판매하는 자동차보험 상품에 비해 상대적으로 높은 가격을 형성하고 있다. 이러한 특징에 힘입어 가격이 저렴한 온라인 자동차보험은 소비자들에게 큰 인기를 얻고 있다. 그렇기 때문에 소비자들은 온라인 자동차보험 상품 가격에 많은 관심을 가지고 있고, 자동차보험 상품 구입에 신중한 선택을 하고 있다. 본 연구에서는 소비자들이 온라인 자동차보험에 대해 느끼는 인지된 이익과 가격 수용성을 중심으로 $2{\times}2$ 매트릭스로 구성해 온라인 자동차보험 고객군을 온라인 수용형, 경제성 추구형, 편리 추구형, 신중 접근형으로 구분하였다. 이에 따라 본 연구에서는 온라인 자동차보험 웹사이트의 인지된 이용 용이성, 유용성, 태도, 구매의도에 사이의 관계를 분석하였다. 본 연구결과는 온라인에서 자동차보험 상품을 판매하는 기업들에게 소비자의 온라인 자동차보험 구매의도를 강화하기 위한 고객관계관리 전략 수립에 있어 유용한 시사점을 제공해 줄 것이다.

• 경영정보학연구
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• 제8권3호
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• pp.125-134
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• 2006

본 연구에서는 온라인 자동차보험 고객 이탈 예측에 있어 의사결정나무를 적용하였다. 우리는 본 연구에서 2003년과 2004년 사이에 온라인 자동차 보험을 계약한 고객의 데이터를 이용하여 의사결정나무를 이용해 고객이탈을 예측하였다. 우리는 C5.0 알고리즘에 기반을 둔 의사결정나무의 예측 결과에 대한 비교를 위해 다변량판별분석과 로짓분석을 이용하였다. 분석결과 의사결정나무 알고리즘은 다른 기법보다 예측성과가 매우 뛰어난 것으로 나타났다. 이러한 실증분석 결과는 온라인 자동차 보험에 있어서 마케팅전략 수립에 유용한 가이드라인을 제공해 줄 것이다.