Title: The impact of e-insurance on profitability: the mediating role of competitive advantage and agility

Authors: Mohsen Seify; Ali Sanayei; Seyed Fathollah Amiri Aghdaie; Majid Mohammad Shafiee; Daryoosh Mohamadi Zanjirani

Addresses: Department of Management, Faculty of Administrative Sciences and Economics, University of Isfahan, Isfahan, Iran ' Department of Management, Faculty of Administrative Sciences and Economics, University of Isfahan, Isfahan, Iran ' Department of Management, Faculty of Administrative Sciences and Economics, University of Isfahan, Isfahan, Iran ' Department of Management, Faculty of Administrative Sciences and Economics, University of Isfahan, Isfahan, Iran ' Department of Management, Faculty of Administrative Sciences and Economics, University of Isfahan, Isfahan, Iran

Abstract: This paper aims to investigate the impact of e-insurance on profitability, with the mediating role of agility and competitive advantage in the insurance industry, which has rarely been investigated in the previous literature. The study sample was 320 managers and experts of insurance companies in Iran. Structural equation modelling with the partial least square approach (SEM-PLS) was adopted for analysing the data. The results indicate that e-insurance has a positive and significant effect on profitability through agility and competitive advantage. Moreover, a positive and significant relationship between agility and competitive advantage was confirmed. This study provides insurance practitioners and managers with new insights to implementing e-insurance to gain agility, competitive advantage, and profitability.

Keywords: e-insurance; profitability; agility; competitive advantage; insurance industry.

DOI: 10.1504/IJSOM.2025.144187

International Journal of Services and Operations Management, 2025 Vol.50 No.1, pp.99 - 122

Received: 21 Jul 2022
Accepted: 05 Jan 2023
Published online: 31 Jan 2025 *

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