| Abstract [eng] |
The dissertation aims to provide a critical assessment and to model a conceptual framework of combined mass customization and personalization, technology acceptance and decision-making methods within modelling the insurance consumers’ decision- making process in digital insurance platforms. Accordingly, combined online customization frameworks and an integrated digital insurance decision-making process framework were modelled and empirically validated within 3 years of investigation (2020 – 2022). The research focused on the content, trends, state-of-the-art of the non-life insurance market, consumers’ behavioral patterns, and digital insurance platforms in Lithuania, Latvia, and Estonia. Afterward, a combined 2-level recommendation model and usage guidelines for a practical application of both internal and market analyses on digital insurance markets and modeling the consumer decision-making process in digital insurance platforms were prepared. |
