Using Technology Acceptance Model to Explore the Intentions of UBI Car Insurance

• Main Authors: SHIH, BO-DONG, 施伯東
• Other Authors: LEE, KUEN-CHING
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/gaq3t6

碩士 === 世新大學 === 資訊管理學研究所(含碩專班) === 106 === Vehicle-insurance (UBI) vehicle insurance, which combines vehicle insurance and vehicle networking, has been in operation for many years abroad and is not yet common in Taiwan. Compared to the flat rate, UBI vehicle insurance rates are based on the driving mileage or habits of the driver. For the owner, the premium is more fair and the vehicle status is collected relative to the On-Board Diagnostics (OBD). It is more convenient to use the method of counting the mileage, but while enjoying the lower rate, the insurance company also adjusts the rate calculation because it needs to collect the driving mileage or driving behavior of the driver, or even the instantaneous location information of the vehicle. Thereby the issue of the driver's privacy is derived. This study combines the technology acceptance model (TAM) to explore the impact of car drivers on rate fairness, privacy protection and perceived usefulness, perceived ease of use on the willingness to use UBI vehicle insurance, and adopts online questionnaires to conduct questionnaires. Investigate, use the google form to create a formal questionnaire for the network, and send the questionnaire through Facebook and Line groups, and collect 260 valid questionnaires. Statistical methods include factor analysis, descriptive statistics, and structural equation modeling (SEM) to validate research hypotheses. The results and conclusions of this study are that the fairness of the rate has a positive and significant impact on consumers' attitudes toward use and intention to use, while the degree of protection of privacy has a positive and significant relationship to the intention of use, but there is no attitude towards use. That is to say, the degree of privacy protection has no positive relationship with consumers' perceptions of using UBI auto insurance to generate insurance premiums, increasing traffic safety and stimulating good driving attitudes, but the impact of privacy protection on intentions is The positive trend is significant. The higher the degree of privacy protection, the more it affects consumers' intention to use UBI auto insurance. Finally, perceptual usefulness and perceived ease of use will positively affect the use of UBI auto insurance attitude and intention.