Articles producció científica> Gestió d'Empreses

Factors influencing policyholders' acceptance of life settlements: a technology acceptance model

  • Identification data

    Identifier: imarina:9242269
    Authors:
    de Andrés-Sánchez JGonzález-Vila Puchades LArias-Oliva M
    Abstract:
    The most significant market for life settlements (LSs) is the U.S. LSs are not present in some European countries, such as Spain, and can therefore be seen as a novel and innovative financial service in those countries. This last consideration motivates this paper, which analyses the key factors, from the seller’s perspective, for the development of a secondary life insurance market through LSs in Spain. To do so, we use consumer behaviour findings from academic research on the acceptance of new technologies and services. Our analysis is based on the technology acceptance model developed by Davis (MIS Q 13:319–340, 1989) and Venkatesh et al. (MIS Q 27:425–478, 2003) and it is adjusted by means of a partial least squares-structural equation modelling. The findings show that relevant variables for the use of LSs are performance expectancy, expected easiness and social influence constructs. Ethical problems are not relevant in the decision to accept LSs. © 2021, The Geneva Association.
  • Others:

    Author, as appears in the article.: de Andrés-Sánchez J; González-Vila Puchades L; Arias-Oliva M
    Department: Gestió d'Empreses
    URV's Author/s: Arias Oliva, Mario / De Andrés Sànchez, Jorge
    Keywords: Unified theory of acceptance and use of technology Technology acceptance model Structural equation modelling Secondary life insurance market Life settlements Life insurance
    Abstract: The most significant market for life settlements (LSs) is the U.S. LSs are not present in some European countries, such as Spain, and can therefore be seen as a novel and innovative financial service in those countries. This last consideration motivates this paper, which analyses the key factors, from the seller’s perspective, for the development of a secondary life insurance market through LSs in Spain. To do so, we use consumer behaviour findings from academic research on the acceptance of new technologies and services. Our analysis is based on the technology acceptance model developed by Davis (MIS Q 13:319–340, 1989) and Venkatesh et al. (MIS Q 27:425–478, 2003) and it is adjusted by means of a partial least squares-structural equation modelling. The findings show that relevant variables for the use of LSs are performance expectancy, expected easiness and social influence constructs. Ethical problems are not relevant in the decision to accept LSs. © 2021, The Geneva Association.
    Thematic Areas: Saúde coletiva General business,management and accounting Finance Economics and econometrics Ciencias sociales Business, management and accounting (miscellaneous) Business, management and accounting (all) Business, finance Accounting
    licence for use: https://creativecommons.org/licenses/by/3.0/es/
    Author's mail: mario.arias@urv.cat jorge.deandres@urv.cat jorge.deandres@urv.cat
    Author identifier: 0000-0002-6874-4036 0000-0002-7715-779X 0000-0002-7715-779X
    Record's date: 2024-08-03
    Papper version: info:eu-repo/semantics/publishedVersion
    Link to the original source: https://link.springer.com/article/10.1057/s41288-021-00261-3
    Licence document URL: https://repositori.urv.cat/ca/proteccio-de-dades/
    Papper original source: Geneva Papers On Risk And Insurance-Issues And Practice. 48 (4): 941-967
    APA: de Andrés-Sánchez J; González-Vila Puchades L; Arias-Oliva M (2023). Factors influencing policyholders' acceptance of life settlements: a technology acceptance model. Geneva Papers On Risk And Insurance-Issues And Practice, 48(4), 941-967. DOI: 10.1057/s41288-021-00261-3
    Article's DOI: 10.1057/s41288-021-00261-3
    Entity: Universitat Rovira i Virgili
    Journal publication year: 2023
    Publication Type: Journal Publications
  • Keywords:

    Accounting,Business, Finance,Business, Management and Accounting (Miscellaneous),Economics and Econometrics,Finance
    Unified theory of acceptance and use of technology
    Technology acceptance model
    Structural equation modelling
    Secondary life insurance market
    Life settlements
    Life insurance
    Saúde coletiva
    General business,management and accounting
    Finance
    Economics and econometrics
    Ciencias sociales
    Business, management and accounting (miscellaneous)
    Business, management and accounting (all)
    Business, finance
    Accounting
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