臺灣博碩士論文加值系統

隨著科技的迅速發展，保險業務也面臨需要不斷變革的壓力，如何適應數位轉型的趨勢以滿足消費者追求專業、便捷、安全的保險服務，已然成為保險業者的重要課題。而應用區塊鏈和人工智慧等新興科技所研發出的的保險科技(Isurance Technology; Isur Tech)系統，保險科技帶來了諸多優勢，不僅縮短了保險公司搜集保戶資訊的時間與成本，同時提升了資訊收集的精確性，進而提高客戶滿意度。對於消費者而言，保險科技賦予了他們更多權限，讓他們能更輕鬆地使用保險服務。對於保險供應商而言，保險科技有助於防範欺詐，自動化資訊收集，並簡化承保流程以因應日益增長的保險需求。總結而言，保險科技不僅轉變了保險業的風貌，提供更加個人化、高效率和安全的服務，同時為保險業者帶來無窮商機。
本研究便以科技接受模型為基礎，以國泰人壽保險公司的保險業務人員為研究對象，探討其對數位保險科技的接受態度。共收集問卷256份研究結果顯示，保險業務人員對新科技的有用性和易用性之感知，會正向影響其對保險科技的使用態度，意即當保險業務人員認為該金融科技是容易使用，也認為使用該科技後對其業務推展是有幫助的，便較有意願使用此技術。本研究實證檢視金融保險於一線保險業務人員間應用的成功性，因而為保險業者提供未來可行的數位科技發展方向。

With the rapid development of technology, the insurance industry faces constant pressure to adapt to the evolving landscape. Adapting to the trend of digital transformation to meet consumers' demands for professional, convenient, and secure insurance services has become a crucial challenge for insurers. Emerging technologies such as blockchain and artificial intelligence have given rise to Insurance Technology (InsurTech) systems, bringing numerous advantages. These technologies not only reduce the time and costs associated with collecting policyholder information for insurance companies but also enhance the precision of information gathering, ultimately leading to increased customer satisfaction. For consumers, insurance technology grants them more autonomy, making it easier for them to access insurance services. For insurance providers, technology helps prevent fraud, automates information gathering, and streamlines underwriting processes to meet the growing demands in the insurance sector. In summary, insurance technology has transformed the landscape of the insurance industry, providing more personalized, efficient, and secure services while presenting endless business opportunities for insurers.
This study, grounded in the Technology Acceptance Model, focuses on the attitudes of insurance professionals at Cathay Life Insurance Company toward digital insurance technology. A total of 256 questionnaires were collected, and the research results indicate that the perceived usefulness and ease of use of new technologies positively influence the attitudes of insurance professionals toward insurance technology. In other words, when insurance professionals perceive a financial technology as easy to use and believe that its adoption will be beneficial for business expansion, they are more willing to embrace the technology. This study empirically examines the success of applying financial technology in frontline insurance professionals and provides insurers with viable directions for future digital technology development in the insurance sector.

摘要.............................i
Abstract.......................iii
表目錄.........................vii
圖目錄.........................vii
第一章 緒論.......................1
第一節 研究背景與動機...........2
第二節 研究目的.................5
第貳章 文獻探討...................6
第一節 保險科技.................6
第二節 國泰人壽的保險科技.......12
第三節 科技接受模型.............16
第三章 研究方法..................19
第一節 研究架構與假說...........19
第二節 資料收集................20
第三節 調查樣本................20
第四節 問卷設計................21
第五節 資料分析方法.............26
第四章 研究結果..................28
第一節 樣本分佈................28
第二節 各變數構面得分排序........31
第三節 各構面變數相關性分析......36
第四節 信度分析.................38
第五節 效度分析.................41
第六節 迴歸分析.................41
第五章 結論與建議.................45
第一節 研究結果.................45
第二節 研究限制與建議............46
參考文獻..........................49
附錄　本研究正式問卷...............53

一、中文部分
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[5.]金融監督委員會. (2016). 金融科技發展策略白皮書. (2016-05-12).
[6.]物聯網(Internet of Things, IoT). 取自https://zh.wikipedia.org/zh-tw/%E7%89%A9%E8%81%94%E7%BD%91.
[7.]保險局. (2021). 金管會訂定發布「保險業辦理遠距投保及保險服務業務應注意事項」. (上網日期2021-11-18).
[8.]保險局. (2021). 金管會備查「壽險業因應新冠肺炎疫情服務涉親晤親簽與紙本作業之暫行原則」暨相關暫行作業細則. (上網日期2021-05-25).
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[10.]張天天. (2019). 科技賦能對保險業未來的影響.
[11.]國泰人壽數位轉型:敏捷數位科技運用全面守護人生專刊,
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progress3.
[12.]黄立強, 沈宇, & 石浩. (2018). 保險科技對保險價值鏈的衝擊與影響. 經貿實踐, 第14期,75-77,79.
[13.]黄劭彥, 林有志, 陳俊志, & 郭博文. (2019). 淺論區塊鏈之發展與趨勢. 電腦稽核, (39), 38-47.
[14.]曾能芬. (2020). 壽險業從業人員對保險科技工具之接受度研究- 以台灣人壽保險公司為例. 碩士論文.
[15.]黃湘容. (2020). 保險科技創新遠距服務-以國泰人壽為例.
[16.]黄穎. (2017). 關於區塊鏈技術在保險業應用的泰人壽. (2023).
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二、英文部分
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[2.]Ajzen and Fishbein（1975). Ajzen, I., & Fishbein, M. (1975). A Bayesian analysis of attribution processes. Psychological bulletin, 82(2), 261.
[3.]Banham, Russ(2017). Banham, R. (2017). Investing in the insurtech toolbox. Risk Management, 64(6), 12.
[4.]Bewley、Roberts、Schoit and Verplank (1983）. Bewley, W. L., Roberts, T. L., Schoit, D., & Verplank, W. L. (1983). Human factors testing in the design of Xerox's 8010. Star" Office Workstation," CHI, 83, 12-15.
[5.]Davis（1989). Davis, F. D. (1989). Technology acceptance model: TAM. Al-Suqri, MN, Al-Aufi, AS: Information Seeking Behavior and Technology Adoption, 205-219.Taylor & Todd, (1995a). Combilned TAM and TPB, C-AM-TPB.
[6.]Davis（1989). Davis, F. D. (1989). Technology acceptance model: TAM. Al-Suqri, MN, Al-Aufi, AS: Information Seeking Behavior and Technology Adoption, 205-219.Taylor & Todd, (1995a). Combilned TAM and TPB, C-AM-TPB.
[7.]Gartner (2017). Insurance providers should understand "insurtech" to strengthen their digital strategies. Modern Insurance, Health, and Financial Electronic Daily News | March 17, 2017 (News)
[8.]Gartner (2018). Although the pace of digital transformation is slow, within five years, AI is expected to become the mainstream application in the insurance industry Research institution Gartner 2018
[9.]KPMG and CB Insight（2016). Pollari, I. (2016). The rise of Fintech opportunities and challenges. Jassa, (3), 15-21.
[10.]Likert (1932). Ferguson, L. W. (1941). A study of the Likert technique of attitude scale construction. Journal of Social Psychology, 13(1), 51.
[11.]Likert, R. (1932). A technique for the measurement of attitudes. Archives of Psychology, 22 140, 55.
[12.]Michael Minkov、Geert Hofstede (2010) Cultures and Organizations