| Summary: | 碩士 === 國立政治大學 === 經營管理碩士學程(EMBA) === 97 === Since the insurers employed insured digital signatures in 2004, they have not only faced difficulties in promotion but also expanded online businesses hardly. However, the government businesses and the financial transactions have fulfilled various applications of digital certificates successfully. In the future, how to well develop the applications of e-insurance and digital signatures at the same time will become a significant challenge for the insurance industries. The major goal of this study is to delve into the insurers’ postures and bents toward the implementation of insured digital signatures. The analysis theory is based on primary factors of affecting the rate of adoption of an innovation. It supports to explore the influence of operational risks and information securities upon the use of digital signatures, and the tendencies of the use of financial digital certificates and government-related digital certificates. To collect the required data provided by insurers, this study used mail questionnaire method, totaling the valid questionnaire of the recovery as 46s. The findings are listed as follows:
1. Both the P&C insurers and the life insurers do not adopt insured digital signatures due to operational risks and information securities.
2. Regarding the compliance of the government policies, the P&C insurers incline not to adopt digital certificates. However, the life insurers incline to adopt digital certificates.
3. The P&C insurers incline not to adopt insurance digital certificates, but incline to adopt banking digital certificates, stock-dealing digital certificates and government-related digital certificates.
4. No matter what kind of digital certificates are, including insurance digital certificates, banking digital certificates, stock-dealing digital certificates and government-related digital certificates, the life insurers incline to adopt any of them.
If the insurance industries would like to continue to advance the development of insured digital signatures, the propositions are listed as follows:
1. In order to create a beneficial environment for the development of online businesses, this study suggests developing directions for the signatures by fax and the other signer authentication mechanism.
2. In order to let the insurers offer differential online insurance services, this study proposes permitting the insurers to sell middle-risk insurance products and access government databases for underwriting risk management.
3. In principle, it is preferable that the insurers employ government-related digital certificates and financial digital certificates. If hardly, the insurers employ insurance digital certificates and financial digital certificates instead. Moreover, both digital certificates have reciprocal usage for each other by means of strategic alliance from different financial businesses.
4. Based on the consideration of keeping e-insurance market order, this study propounds that the e-insurance of brokers and agents are incorporated into directions for the e-insurance of insurers in order to establish a fair market competition environment. It is helpful to insurers’ online businesses and consumers’ preferential premiums.
Keywords: Digital Signatures, Rate of Adoption of an Innovation, Online Insurance, e-Insurance
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