electronic insurance

The present study aimed to explain the factors affecting the usage of electronic insurance in Iran insurance company and its operating strategies in Khuzestan province. The research method is descriptive-survey method, and data collecting instrument is questionnaire. The study population is consisted of 480 people of all staff and experts the sales network in Iran insurance company in Khuzestan province that 206 statistical sample were selected using Cochran&rsquos sampling method. The obtained data were analyzed using SPSS software after the completion and examination of 160 questionnaires. Data analysis performed using single-sample t-test and Friedman test. The results of hypothesis tests showed that components of the usability of the website, the type of insurance coverage, quality of service and security in the network of the factors affecting the usage of electronic insurance in Iran insurance company are in Khuzestan, however, the internet- advertisement weak impact on the usage of electronic insurance in Iran insurance company. The results of the study hypotheses using Friedman test showed that security in the network and then the usability of the website as the most the importance and influence the usage of electronic insurance in Iran insurance company in Khuzestan. In fact, it said that proposed model is proportional to collected statistical data.

Purpose : This study aims to develop a comprehensive model for digital value creation for customers in the insurance industry within the context of the digital economy. It seeks to identify key factors, strategies, and outcomes associated with digital transformation in insurance, addressing gaps in the literature on practical implementation and socio-cultural impacts. Method : This applied research adopts a qualitative methodology grounded in theory. Data were collected through semi-structured interviews with 14 insurance managers and experts in 2024, selected through purposive sampling. Additional sources included library research and specialized texts. Interviews were coded and analyzed using ATLAS.ti software, applying open, axial, and selective coding to construct the conceptual model. Findings : The analysis produced 91 initial codes, organized into 18 core concepts across six main dimensions. Causal conditions include management, technical, systemic, organizational, and human resource procedures. Contextual conditions relate to policies, laws, and the current state of the insurance industry. Intervening conditions involve financial resources, job conditions, and socio-cultural factors. Strategies identified include incentive policies, training and specialization, digitization, and strategic review. The outcomes highlight improved industry efficiency, better customer management, enhanced employee satisfaction, and stronger project management. Conclusion : The proposed model underscores the importance of continuous adaptation to technological change and market dynamics for success in the digital economy. Key recommendations include implementing automation systems, applying AI for personalized services, strengthening data security, and advancing digital communication channels. This model provides a strategic framework for insurance companies to enhance digital value creation, improve customer experience, and achieve sustainable growth in a competitive environment.