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Please use this identifier to cite or link to this item: https://hdl.handle.net/2445/207578
Factors influencing policyholders’ acceptance of life settlements: a technology acceptance model
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The most significant market for life settlements (LSs) is the U.S. LSs are not present in some European countries, such as Spain, and can therefore be seen as a novel and innovative financial service in those countries. This last consideration motivates this paper, which analyses the key factors, from the seller’s perspective, for the development of a secondary life insurance market through LSs in Spain. To do so, we use consumer behaviour findings from academic research on the acceptance of new technologies and services. Our analysis is based on the technology acceptance model developed by Davis (MIS Q 13:319–340, 1989) and Venkatesh et al. (MIS Q 27:425–478, 2003) and it is adjusted by means of a partial least squares-structural equation modelling. The findings show that relevant variables for the use of LSs are performance expectancy, expected easiness and social influence constructs. Ethical problems are not relevant in the decision to accept LSs.
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ANDRÉS SÁNCHEZ, Jorge de, GONZÁLEZ-VILA PUCHADES, Laura and ARIAS OLIVA, Mario. Factors influencing policyholders’ acceptance of life settlements: a technology acceptance model. The Geneva Papers on Risk and Insurance-Issues and Practice. 2023. Vol. 48, num. 4, pags. 941-967. ISSN 1018-5895. [consulted: 11 of October of 2026]. Available at: https://hdl.handle.net/2445/207578