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Insurance customers increasingly choose between conventional flat-rate car insurance tariffs and innovative usage-based car insurance tariffs such as a pay-per-mile tariff. Usage-based car insurance tariffs require traffic telematics. In this paper, we analyze the decision-making behavior of insurance customers concerning tariff choices as well as the psychological effects. In other service areas, it can be observed that customers often prefer a flat-rate tariff even if their billing rate would be lower on a pay-per-use tariff for a given amount of usage. In study?1, we show that the purchase intention of car insurance tariffs is influenced by psychological effects as well as the customer’s personal experience with the insurance provider and that it is higher for a flat-rate car insurance tariff compared to a pay-per-mile tariff. Customers who have had positive experiences with an insurance provider induce a higher purchase intention for car insurance than customers who have had no experience with an insurance provider. In study?2, we show that the probability of choosing a flat-rate car insurance tariff is higher with increasing monthly kilometers. 相似文献
3.
Drawing on the organizational learning literature, our study examines the role of foreign market knowledge and firm emphasis
on technological innovation in the internationalization of small, entrepreneurial firms in the Czech Republic. It is based
on a sample of 168 SMEs representing a broad range of manufacturing industries that were founded after the fall of communism
and as the Czech economy was transitioning to a more market-based economy. Findings indicate that emphasis on technological
innovation is associated with greater acquisition of foreign market knowledge. In addition, our results indicate that emphasis
on technological innovation directly and indirectly influences the performance of such SMEs in international markets. Our
findings also suggest that foreign market knowledge partially mediates the relationship between firm emphasis on technological
innovation and international performance. Implications of our findings from the perspective of theory and practice are discussed. 相似文献
4.
Martina Schäfer Melanie Jaeger-Erben Aguinaldo dos Santos 《Journal of Consumer Policy》2011,34(1):175-196
In current political and scientific debates on sustainable consumption, the low- and middle-income classes of emerging countries
are gaining attention. One common feature of such debates is the idea that these emerging consumer classes could be motivated
to “leapfrog” directly to environmentally and socially aware consumption patterns and, thereby, avoid adopting the resource-intensive
consumption styles of populations in industrialized countries. To be able to adapt sustainable product development or sustainable
communication strategies to the needs of low- and medium-income classes, it is necessary to know more about the basic consumption
orientations, current consumption habits, and future consumption aspirations of these societal groups. In order to contribute
towards filling that knowledge gap, an exploratory survey was conducted, taking the example of emerging low- and middle-income
classes in a Southern Brazilian city. The survey identified five different consumer types: the Home-Centered Traditionals, the Indifferent, the Up-to-date Privileged, the Wanna-be Materialists, and the Quality of Life-Oriented Postmaterialists. The paper outlines some ideas concerning how these types can be addressed with target-group-specific products and services
as well as differentiated sustainability communication strategies. We conclude, however, that “leapfrogging” of Brazilian
low- and middle-income classes towards sustainable consumption is not a very likely option. There are certain consumption
orientations that sustainability strategies can link to, but these trends are not likely to compensate the general tendencies
towards a resource-intensive lifestyle following the model of the industrialized countries. 相似文献
5.
Land-use change is a phenomenon highlighting significant shifts in human interaction with the natural environment. Different patterns of agriculture and a trend towards non-agricultural land use challenge the sustainability of farming systems. This study aims to identify the causes of changes in land use and cropping patterns, with a special focus on paddy, the staple crop in Asia. In the case of Wayanad, a district in Kerala, South India, we argue for an interdisciplinary analysis of rapid land-use change to unpack the multiple dimensions of sustainability: economic, ecological and social factors, aggregating up to 70% reduction in the area under paddy by 2010. The results rest on empirical field research, participatory rural appraisals and stakeholder workshops conducted during the 4-year period from 2010 to 2013, along with state- and district-level data covering the 1983–2011 period. Reduced economic viability, labour shortages and population pressure on land are the major drivers for the transformation of paddy fields to other land uses. Changes in land use and agrarian structure reflect not only the livelihood strategies adopted by farmers in response to these drivers, but also the impacts of unintended policy idiosyncrasies. At a more fundamental level, they are the consequences of policy conflicts and inadequate sectoral integration of policies and implementation strategies. 相似文献
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Martina Celidoni 《Review of Income and Wealth》2015,61(1):59-74
This paper applies the decomposition of the Foster–Greer–Thorbecke poverty index to the measurement of individual vulnerability to poverty. I highlight that poverty risk can be expressed as a function of expected incidence, expected intensity, and expected variability below the poverty line, three essential aspects for improving the design of appropriate risk‐management policies. An empirical illustration is provided using the British Household Panel Survey and the Italian Survey on Household Income and Wealth. 相似文献
8.
Versuch einer Begriffskl?rung - Die Begriffe „aktivierende“ und „rehabilitative“ Pflege werden meist synonym verwandt – beide
Begriffen assoziieren die F?rderung der Selbstst?ndigkeit. Bislang werden allerdings rehabilitationsspezifische Pflegehandlungen
kaum thematisiert. Eine Betrachtung aus pflegewissenschaftlicher Perspektive. 相似文献
9.
Competing insurance intermediaries provide heterogeneous services that are difficult for incompletely informed consumers to assess. Transaction cost economics, search theory, and principal‐agent theory provide arguments on product quality differences between exclusive agents and independent intermediaries. This article uses a sample of 927 insurance intermediaries in Germany. By performing OLS estimations, we test the impact of the different distribution channels and other factors on intermediaries’ service quality. Depending on the proxies used for service quality, we find mixed evidence for the product quality hypothesis. Service quality depends to a large extent on the information‐gathering and processing activities of the individual intermediaries, independent of the respective distribution channel. 相似文献
10.