Electronic Insurance and its application in e commerce 1
Situations and procedures of business continuously are changing and every day, more options are delivering to businesses. In recent years, due to rapid growth of information and communications technology, and most importantly, the expansion and development of internet, the trend of these variations has been accelerated. Electronic is one of these options that many debates are performed concerning the implementation and in particular, its impact on business. The financial services sectors and especially the insurance industry were not excluded from this issue and in this regard, there are considerable studies that most of them have been carried out in developed and industrialized countries; moreover, some studies have been performed in undeveloped or developing countries. In present paper, in addition to defining the electronic insurance, the impact of e commerce on insurance industry has been discussed. This paper has been organized through the category in which, in the next part insurance industry and the challenges about it and a review on Iranian insurance industry are presented. Fourth part has discussed the electronic insurance and role that it plays in ecommerce. Fifth section has focused on the impact of ecommerce on the insurance. And next section has investigated the advantages and disadvantages of e commerce in the insurance industry, and finally, in the last part, the conclusions of this paper are presented.