인문학
사회과학
자연과학
공학
의약학
농수해양학
예술체육학
복합학
DBpia AI
AI 에이전트
AI 아이디어
AI 리더
AI 뷰어
Citeasy
크롬 서지관리 다운로드
지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
피인용 0
초록·키워드
As of January 2024, the majority of financial firms now provide financial services through digital means. We constructed a framework called the digitalization index in which we could quantify the proportion of digital services to empirically analyze the impact of digitalization on the profitability of life and non-life insurers. The profitability of insurance companies is measured by net income before income taxes and net income and divided by total assets. The results show that for life insurance companies the adoption of AI chatbots increase their profitability. However, providing personal information-based product recommendations and WA authentication services negatively affects the profitability of life insurance companies. In the case of insurance companies that do not offer life insurance, the same variables of interest did not have an impact. Since non-life insurance companies are characterized by a diverse product structure compared to life insurance companies and require rapid response to accidents, each insurer needs to establish a strategy that takes this into account. Our results were formulated from the interpretation of services that were introduced in the second half of 2023. Although the small sample size impacts the validity of our findings we believe we have found clear insights to inspire future exploration in this field.
본문·목차
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