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Scopus© Citations 151 -
PublicationEinsatz ubiquitärer Informationssysteme in der Versicherungswirtschaft : Gestaltung von Pay-Per-Risk Tarifierungsmodellen(Gesellschaft für Informatik, 2012-03-03)
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PublicationResolving the Misalignment Between Consumer Privacy Concerns and Ubiquitous IS Design : The Case of Usage-based Insurance(Association for Information Systems, 2012-12-16)Ubiquitous IS enables novel services and business models, yet require a careful balancing of consumer privacy concerns (PC) - induced by the provision of particular sensors and information types - with functional performance in order to maximize acceptance. For the exemplary case of Usage-based Insurance (UBI), this paper presents a design science approach to the mitigation of PC under parallel consideration of functional system performance. Based on long-term location trajectories from 1'600 vehicles, we assess the predictive power of emulated system designs that substitute location information, presumably the most privacy sensitive type of information in current UBI designs. We find that there are substantial grounds to challenge prevalent design paradigms in UBI and infer general insights from this example for IS researchers and IT professionals, who, when seeking to improve system privacy, often focus on privacy-enhancing technologies instead of considering the socio-technical context of ubiquitous IS.
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PublicationEco-efficient feedback technologies : Which eco-feedback types prefer drivers most?(IEEE, 2011-06-20)Greenhouse gas (GHG) emissions' accumulation in the atmosphere is constantly increasing; since transport sector contributes significantly in rising emissions, substantial action has to be taken, with the support of ICT. Eco-efficient feedback devices, based on smart phone technologies, are becoming more prominent to support and influence drivers to understand their own CO2 footprint. This paper seeks to evaluate how eco-efficient feedback technologies and which feedback types can contribute to environmental sustainability. In particular, how these technologies can support drivers to achieve more sustainable driving behavior. Feedback types, which influence drivers, are most notably financial savings shown over a longer period and peer reviews.
Scopus© Citations 22 -
PublicationThe Role of Telematics Technology in Motor Insurance: From Risk Mitigation to Competitive Advantage(The Geneva Association, 2010-07-25)
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PublicationInferring Usage Characteristics of Electric Bicycles from Position Information(ACM Digital Library, 2010-11-29)This paper describes an experimental setup for the analysis of e-bike usage characteristics based on GPS data. Usage characteristics include parameters such as average and maximum velocity, trip lengths and distribution over daytime. Based on high resolution position measurement these parameters are extracted and compared to other studies on both e-bikes and conventional bicycles. We show that applying location technology to concurrent monitoring of a fleet of e-bikes yields higher quality in terms of resolution and accuracy (1), and is less intrusive (2) than obtaining these data by conventional user surveys. The findings form a proof-of-concept for the adoption of location technology to transportation and behavioral sciences and suggest further interdisciplinary collaboration in these fields
Scopus© Citations 10 -
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PublicationClaims prevention within home insurance : Insights from insurance customers( 2011-06-06)The recent economic crisis has speeded up the concentration process within the European insurance sector. However, nowadays customers are more price sensitive, which increases pressure for the whole industry and in consequence leads to further premium erosions. Thus, some insurers are seeking new ways to differentiate their portfolio by offering innovative insurance products combined with prevention activities to compete with a high value-added service strategy. The objective of this research is to gain knowledge about consumer habits related to prevention articles and the acceptance of prevention solutions to the issue of water claims prevention. We explored this through an online survey (N=197) and Telephone Assisted Web Interviews (N=122) using the same questionnaire to allow a mixed reporting of the data. The respondents are all Swiss individuals which are all responsible for the buying decisions of insurance products within their respective households. About one fifth of all respondents indicated to have at least one insurance relevant claim within the last five years. The main claims cause results in water related damages followed by fire. But in terms of claims prevention individuals are just almost exclusively aware of fire protection than on water claims protection. More than 40% of the Swiss households are featured with fire extinguishers and fire blankets, however less than three percent use water sensors to detect water leaks or related damages. The main reason is that fire protection helps to prevent injuries and may save lives while water claims prevention can be implemented (from an insurance point of view) to save high claims costs. Based on our surveys we are able deriving recommended actions for insurance companies in order to reduce claim costs by motivating claims prevention to their customers. Henceforth, this increases their own differentiation capabilities as well as customer loyalty in the above mentioned weak market environment.
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PublicationTelematics Strategy for Automobile Insurers : Whitepaper(I-Lab, 2013)
