Objective: The objective of the article is to empirically examine the predictors of ROA and ROE for banks and insurance … significant and negative for ROE. Banks earned lower return on their assets and higher return on their equity than insurance … for firms in the insurance industry. …

Using real-time customer data holds great potential for the insurance industry. The frequency and relevance of … aims at understanding the potential path of the development of services in insurance and the challenges faced by insurers … retail customers. We find that customers have high trust in insurance companies and are open to purchasing additional …