Based on the report “Handicap-Incapacités-Dépendance” of the French “Ministère de la Santé” and on scenarios for the disability of elder persons, the rating, the reserving and the financial balance relative to such a disability porfolio are examined in a prospective approach. The...

The purpose of this paper is to offer customer relationship insights in what is a fast developing new e-commerce development strategy. We examine the potential synergies between digital social networks (DSN) and e-commerce websites, thus bringing e-commerce and DSN websites into the same...

Le potentiel des réseaux sociaux numériques (RSN) reste à démontrer lorsqu'ils sont utilisés conjointement aux sites web marchands. Pour réussir à utiliser les RSN en vue de faire des profits, les organisations de toutes tailles qui pratiquent déjà le commerce électronique doivent...

Private insurance for long-term care is underdeveloped in European countries and in the US. In order to better understand this actual market failure, it is interesting to study the characteristics of insurance demand. This paper uses banking data to estimate the likelihood to buy a long-term...