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|Title: ||Insurance multi-channel conflict : a perspective of conflict frequency|
|Other Titles: ||保險多元通路衝突 : 衝突頻率觀點|
|Authors: ||曹亦寧;Tsao, I-Ning|
高棟梁;Kao, Tong-Liang;范姜肱;Fan, Chiang-Ku
|Keywords: ||多元通路衝突;銀行保險;德菲法;層級分析法;Multi-channel conflict;Bancassurance;Delphi study;Analytic Hierarchy Process|
|Issue Date: ||2015-05-04 09:46:55 (UTC+8)|
The use of multiple channels is probably the most common distribution strategy nowadays. In order to increase greater market coverage, and have better firm performance through greater sales, insurers have adopted multiple channels of distribution to sell policies during the past decade. Multi-channel distribution strategies provide tremendous benefits to insurers, but on the other hand, it also triggers certain challenges. Unfortunately, prior studies have provided few insights for insurance decision makers related to multi-channel conflict, especially in terms of exploring the causes of multiple channel conflict in an insurance sector and investigating the frequency of causes of channel conflict. Therefore, the purpose of this study is to identify the multi-channel conflict factors and to assess the frequency of the factors that cause multi-channel conflict.
The methodology in this study can be comprised of two phases. In the first phase, this study employed the modified Delphi method to identify the causes of insurance channel conflict. In the second phase, the relative frequency of factors causing multi-channel conflict was computed by using an analytic hierarchy process (AHP).
According to the results of this study, the intrachannel conflict is more serious than interchannel conflict. Furthermore, “differences in perception of reality used in joint decision making”, “using coercive powers”, and “incompatibility of goals” are the three most important factors of over all causes. The result of this study can help decision makers in insurance companies to clarify the factors that affect multi-channel conflict and to identify how often these factors occur. According to the findings, distribution managers can identify the causes of channel conflict and modify their distribution strategy to minimize channel conflict.
|Appears in Collections:||[保險學系暨研究所] 學位論文|
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