The Role of Electronic Commerce In Financial Services Integration

James Garven

North American Actuarial Journal, 2000, vol. 4, issue 3, 64-70

Abstract: In recent years, the combined effects of deregulation in financial services, along with advances in telecommunications and information technology, are forcing far-reaching changes upon the insurance industry. The result is the industry is becoming more competitive. The emerging role of electronic commerce (e-commerce) is particularly important and interesting to study.I offer a brief survey of the role of e-commerce in the insurance industry. The paper is organized in the following manner: Section 1 summarizes Internet trends and discusses various related public policy issues; Section 2 addresses online insurance supply and demand; Section 3 discusses the economics of disintermediation and reintermediation and explains how this applies to e-commerce in the insurance industry. Finally, Section 4 offers a set of concluding remarks.

Date: 2000
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DOI: 10.1080/10920277.2000.10595926

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