The Light and Dark Side of the Black Box: Sensor-based Technology in the Automotive Industry
The Light and Dark Side of the Black Box: Sensor-based Technology in the Automotive Industry
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黑匣子的光明面和黑暗面：汽车行业中基于传感器的技术
DOI：
10.17705/1cais.04016
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发表时间：
2017
期刊：
影响因子：
--
通讯作者：
Chiara Frigerio
中科院分区：
文献类型：
--
作者：
Marco Marabelli;Sean Hansen;S. Newell;Chiara Frigerio
：我们日常生活的各个方面越来越多地采用基于传感器的技术。尽管了解企业和消费者如何利用和采用这些技术很重要，但到目前为止，信息系统(IS)社区对这个主题的关注相对较少。因此，在本文中，我们通过关注基于传感器的技术在汽车保险行业中的紧急使用，促进信息系统学者对这一问题的探索。保险提供商越来越多地开始转向此类技术，以在风险评估和基于行为的定价方面获得竞争优势。为了研究这一现象，我们考虑了两个在不同国家背景下运营的组织的经验：进步保险(美国)和忠利(意大利)。这两家保险公司在采用基于传感器的技术进行风险评估和保单定价方面走在了前列。首先，我们强调了案例之间在采用的技术、所追求的商业模式以及对公司及其消费者的预期好处和陷阱方面的主要相似和不同之处。其次，我们以更全面的方式讨论了基于传感器的技术在汽车保险行业的影响和意想不到的后果。我们提出了几个研究问题，以提供机会并鼓励在这一新兴研究领域进行更多研究。
: Diverse aspects of our everyday lives increasingly feature sensor-based technologies. Despite the importance of understanding how business and consumers exploit and adopt these technologies, the information systems (IS) community has thus far devoted relatively little attention to the topic. Accordingly, in this paper, we foster an exploration of the issue among IS scholars by focusing on the emergent use of sensor-based technologies in the automotive insurance industry. Insurance providers have increasingly begun to turn to such technologies to gain competitive advantage around risk assessment and behavior-based pricing. To investigate this phenomenon, we consider the experiences of two organizations operating distinct national contexts: Progressive Insurance (US) and Generali (Italy). These two insurance providers have been first movers in adopting sensor-based technologies for risk assessment and policy pricing. First, we highlight the key similarities and differences between the cases with regard to the technologies adopted, business models pursued, and anticipated benefits and pitfalls for the companies and their consumers. Second, in a more holistic way, we discuss the implications and unintended consequences of sensor-based technologies in the automotive insurance industry. We formulate several research questions that provide opportunities and encourage more research in this emerging area of study.
影响因子：
7.2
作者：
Desyllas, Panos;Sako, Mari
通讯作者：
Sako, Mari