Тип публикации: статья из журнала
Год издания: 2021
Идентификатор DOI: 10.21511/imfi.18(4).2021.08
Ключевые слова: consumer motivation, frame, insurance premiums, segmentation of the insurance market
Аннотация: Behavioral characteristics attributed to consumers of insurance services are a relevant factor for analyzing the current situation in the insurance market and developing effective strategies for insurers' actions. In turn, considering these characteristics allows the insurer to be more successful in the highly competitive field, acПоказать полностьюhieving mutual satisfaction in interacting with the customer. This study is aimed to develop cognitive models of the situation (frame) “Insurance”, taking into account the specifics of the Russian insurance market and systemic factors affecting participants' behavior in the market. In this regard, the study involves systemizing risks at various levels of the economic system, generalizing factors for the motivation of insurance consumers, developing descriptive and economic-mathematical models for the behavior of economic entities in risky situations. The results obtained represent a behavioral model of interactions among insurance market entities, which determines opportunities for efficient and mutually beneficial coordination of their activities. The developed model includes the following elements: structured individual and institutional frames “Insurance”; a professional index of interest in insurance presented in the form of a mathematical model; methodology for governing the relationships among insurance participants in the digital environment. The recommendations enable predictions of the situation in the insurance market and allow most accurately defining the consumer needs in the conditions of market changes. © Evgenija Prokopjeva, Evgeny Tankov, Tatyana Shibaeva, Elena Perekhozheva, 2021
Журнал: Investment Management and Financial Innovations
Выпуск журнала: Vol. 18, Is. 4
Номера страниц: 80-94
ISSN журнала: 18104967
Издатель: LLC CPC Business Perspectives