{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,2,12]],"date-time":"2026-02-12T10:38:36Z","timestamp":1770892716671,"version":"3.50.1"},"reference-count":57,"publisher":"Emerald","issue":"4","license":[{"start":{"date-parts":[[2021,8,16]],"date-time":"2021-08-16T00:00:00Z","timestamp":1629072000000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["JICES"],"published-print":{"date-parts":[[2021,12,13]]},"abstract":"<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Purpose<\/jats:title>\n<jats:p>This paper explores and identifies customer-value-related sacrifices that consumers attach to interactive health\/life insurance. This paper aims to increase understanding of why individual consumers are not willing to embrace behaviour-tracking-based insurance applications.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title>\n<jats:p>The authors analysed data from a qualitative survey of Finnish insurance consumers who were not keen on adopting interactive insurance products.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Findings<\/jats:title>\n<jats:p>Developed through thematic analysis, the framework presented in this paper illustrates consumers\u2019 value sacrifices on four dimensions: economic, functional, emotional and symbolic value.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Research limitations\/implications<\/jats:title>\n<jats:p>The framework and insights emerging in the study hold several implications related to increased understanding of consumers\u2019 perceptions of insurance and to developing interactive insurance services. In addition, this work provides a promising foundation and avenues for further considerations related to digital ethics in insurance.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title>\n<jats:p>To the best of the authors\u2019 knowledge, this paper is the first piece applying a value sacrifice perspective in studying consumers\u2019 unwillingness to adopt interactive insurance products.<\/jats:p>\n<\/jats:sec>","DOI":"10.1108\/jices-05-2020-0061","type":"journal-article","created":{"date-parts":[[2021,8,16]],"date-time":"2021-08-16T07:51:12Z","timestamp":1629100272000},"page":"463-479","source":"Crossref","is-referenced-by-count":7,"title":["Analysis of consumers\u2019 negative perceptions of health tracking in insurance \u2013 a value sacrifice approach"],"prefix":"10.1108","volume":"19","author":[{"given":"Antti","family":"Talonen","sequence":"first","affiliation":[]},{"given":"Jukka","family":"M\u00e4h\u00f6nen","sequence":"additional","affiliation":[]},{"given":"Lasse","family":"Koskinen","sequence":"additional","affiliation":[]},{"given":"P\u00e4ivikki","family":"Kuoppakangas","sequence":"additional","affiliation":[]}],"member":"140","published-online":{"date-parts":[[2021,8,16]]},"reference":[{"issue":"3","key":"key2022011914595194800_ref001","doi-asserted-by":"crossref","first-page":"385","DOI":"10.1177\/146879410100100307","article-title":"Thematic networks: an analytic tool for qualitative research","volume":"1","year":"2001","journal-title":"Qualitative Research"},{"issue":"3","key":"key2022011914595194800_ref002","doi-asserted-by":"publisher","DOI":"10.1007\/s11948-020-00181-w","article-title":"Four ironies of self-quantification: wearable technologies and the quantified self","volume":"26","year":"2020","journal-title":"Science and Engineering Ethics"},{"issue":"2","key":"key2022011914595194800_ref003","doi-asserted-by":"crossref","first-page":"120","DOI":"10.1509\/jmkg.66.2.120.18470","article-title":"The influence of multiple store environment cues on perceived merchandise value and patronage intentions","volume":"66","year":"2002","journal-title":"Journal of Marketing"},{"key":"key2022011914595194800_ref004","volume-title":"Risk Theory: The Stochastic Basis of Insurance","year":"1984","edition":"3rd ed."},{"issue":"5","key":"key2022011914595194800_ref036a","doi-asserted-by":"crossref","first-page":"563","DOI":"10.1007\/s12297-016-0353-y","article-title":"Wearables \u2013 a new chance for private insurance companies from the underwriting view","volume":"105","year":"2016","journal-title":"Zeitschrift f\u00fcr die gesamte Versicherungswissenschaft"},{"issue":"4","key":"key2022011914595194800_ref005","doi-asserted-by":"crossref","first-page":"805","DOI":"10.2307\/25148755","article-title":"Influence processes for information technology acceptance: an elaboration likelihood model","volume":"30","year":"2006","journal-title":"MIS Quarterly"},{"key":"key2022011914595194800_ref006","unstructured":"Bieck, C. and Tjioe, L. 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