Payd Business Model Analysis and Construction

• Main Authors: Ping-Huang Chen, 陳炳煌
• Other Authors: Ruey-Chyn Tsaur
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/84204307029267818105

碩士 === 淡江大學 === 管理科學學系企業經營碩士在職專班 === 104 === Usage based insurance is an innovative combination of telematics system and big data analysis. Through the telematics, we can understand the driver''s driving habits, and his level of driving risk to price the auto insurance premiums. Telematics Insurance is also known as pay as you drive(Payd) to price auto insurance premiums, premiums may be further detailed oriented and differentiated according to the level of risk based on the driver''s driving behavior. This paper analyzed and discussed through the questionnaire from consumers in Taiwan among the relationship of carrier cost, regulations, stability, fashion, brand and purchase intention .We use AMOS and SPSS statistical software to analysis 490 questionnaires. Structural equation modeling (SEM) analysis showed that, Brand will positively affect the reliability and fashion , the carrier cost and brand will directly affect the fashion, and reliability and fashion will directly affect the willingness to use Payd systems.