Model to Determine the Impact on the Character and Understand Customers Using Electronic Insurance

The aim of this study is to investigate the effects of customer character and perception on the use of electronic insurance in insurance companies providing insurance electronically services. The selected population of this study includes customers that use electronic insurance services of insurance companies providing insurance electronically services with total number of 420 customers. Based on Cochran formula and random sampling, 200 people were chosen. This study is applied in objective and description-correlation in data collecting. Questionnaire is used to collect data and to verify its validity and reliability, experts’ opinions and software SPSS were used respectively. Cronbach alpha for strategic orientation and markets both were above 0/7 indicating the questionnaire’s high reliability. Data were analyzed using SPSS and LISREL soft wares and path analysis model. The results of the study showed that after character, the usability, social aspects and the impact of security affect the use of electronic insurance.